• Only 15% of Canadians use passive vs. active investing and are losing 17 billion to fees every year. Comparatively, USians are 45% invested in passive funds. OOF reading that felt like a punch to the gut. (sub)
17 billion in fees!
• The Annoyance Economy. (sub)
• Takes The Pareto Principal and personal finance. As I have mentioned before, I am not an optimizer. I assume that by doing *most* things right it will make up for the things I get wrong (I hope).
• Finally, in the WTAF? news, Goldman Sachs CEO stops doing controversial DJ gigs. I am just out here, bringing you the useless info that brings zero value to your life.
I did some admin on Friday by booking the family in for covid boosters. It’s incredibly frustrating to have to book individual appointments with some pharmacies and even with ones with bookings for multiple people, the appointments are far and few between. But with two kids in two different schools I figured sooner was better.
Friday night we took a break from #13DaysOfHalloweenMovies and instead ordered Chinese food in and binge watched the entire new season of Big Mouth. It continues to be hilarious, disgusting, and downright creepy in parts. I am glad we got some great laughs out of it though & it was nice to hunker down in the living room eating food we didn’t have to cook and having a relaxing Friday night with the family.
They closed the Queensway this weekend for a bridge replacement which basically meant driving anywhere was a nightmare. The Youngest had Roller Derby – and while they are generally always organized – OF ALL days to forget their roller skates…it was that day. Mr. Tucker – world’s greatest dad – drove home to grab the skates and then drove back downtown. Crisis averted.
Meanwhile, The Eldest spent the day baking! We always buy around 45 pounds of a variety of apples from a friend’s family’s farm in the fall. With them we dehydrate some for snacks, make applesauce and bake some delicious fall desserts with them. The Youngest also eats a pile of them fresh and whatever starts to go we end up chopping up and freezing for winter baking. So now we have an abundance of delicious baked goods!
Saturday night I hosted book club where we had read Writers & Lovers. On one hand, this book was so ridiculously readable that I devoured it in one sitting back in September. On the other hand, I had also just had surgery and couldn’t do anything but lounge around reading books and watching tv. It was a good chat with good company and I am so glad that I got to see friends. The summer/early fall has been challenging as I haven’t been able to get out and be social as much so it was wonderful to have some in-person hangouts with people.
We also decided to go back to full novels and to meet every two months. Given how chaotic the pandemic was with online school and working from home we only did poems and short stories. We also only met outside or online. While that has worked, it’s now the end of 2023 and we are moving back to our regular system. It’s odd to think that I was pregnant with The Youngest when I joined book club 14 years ago!
Sundays are generally a day for prepping for the upcoming week, having a lovely roast dinner & chilling out. Mr. Tucker also took the dishwasher apart because it’s been leaking. While he discovered some things he could clean & fix it does look like we are going to have to call the appliance repair person we use to fix the bigger issue. At least Mr. Tucker tried to fix it himself! We continue to make an attempt to fix things ourselves – it may or may not work but we always learn something.
Work & the condo
The closer we get to Mr. Tucker retiring the more antsy he gets. Who can blame him? You can see the light at the end of the tunnel but you are still IN the tunnel! He also says that he feels like just when he resolves himself that work is pretty ok, some disaster strikes and he gets irritated that he can’t just quit tomorrow. Alas, with the condo still in a state of a (semi!) disaster and with the bills from the condo still needing to be paid, we are not quite there yet. With the road closures and traffic redirection this weekend it didn’t make sense to do some work at the condo but hopefully we can get it all finished by next weekend.
Since the appliances were destroyed by the last family member who lived there I find myself having to purchase new ones. I need to figure out which company will give me a buy-now-pay-later loan/store card for the longest length of time. While I generally ABHOR store cards, it would be great to buy the appliances on time and then just pay it all off when the condo sells (or a worse case scenario I have to design into our plans: pay it off before the condo sells). A friend of mine mentioned that some places will give you up to two years grace, which would be ideal.
The rate announcement for the Bank of Canada will be Wednesday, October 25th and while I think they will leave it at 5% for now, they are definitely not going to bring it down. I think it’s too soon to tell. Analysts are saying it will be 5% until the end of 2024 but I feel like Tiff Macklem is under way too much pressure in a zero-growth economy. Having said that: what the heck do I know? Still, a pause may warm up the market for real estate even a tiny bit and I am crossing my fingers that it sells quickly and for a fair price.
13 Days of Halloween Movies
To recap what this is: when the pandemic hit our kids were 10 and 12 and in their prime trick-or-treating years. It made me sad that they couldn’t do the more traditional neighbourhood jaunt so instead we created a new ritual: 13 days of Halloween movies. We chose 13 movies to watch in the days leading up to Halloween and we bought them each some typical Halloween candy to enjoy while we were watching them. I also posted their reviews to each movie online with a picture of the movie poster and friends and family told me that they really enjoyed the reviews and that they looked forward to them. So even though they’ve gone trick-or-treating since then, it’s a ritual we have continued – with less candy.
Today’s offering is a modern murder mystery called Bodies, Bodies, Bodies. A group of friends ride out a hurricane in one of their mansions and try and play a murder game called …you guessed it: Bodies, Bodies, Bodies. Unfortunately, real people start turning up dead so…whodunnit? As usual, potential spoilers.
So what did the family think?
The Youngest: 7/10 It was good but it is just a bunch of random rich people getting together and dying and blaming each other and strangers.
The Eldest: 2/10 It was just lame. It was watching idiots get drunk and high and then freaking out over a storm and then killing each other.
Mr. Tucker: 3/10 First half was boring. Second half picked up a bit with some funny moments and ok suspense. Ending was quite good. The only thing I kept thinking was, “Wow! Their phone batteries are amazing!”
From the start of this movie you just basically LOATHE everyone. A bunch of spoiled, drug-addled 20-something-year-olds (and a 40-year-old one of them met on Tinder) with a dramatic history who clearly are just friends because they’ve known each other forever. Otherwise, they hate each other and constantly are making digs at each other’s expense. It works because there is clearly some mistrust even before the dead people show up. There are a LOT of terms you would get from a group who is super active on TikTok and have podcasts etc. I feel like someone older wrote these characters so that you will absolutely hate them. The way they speak is grating, like over-the-top-internet speak. You know the acting is fantastic if you have any strong emotion towards a character – even if you hate them. So I have to say, great acting on everyone’s part.
It does pick up halfway through around the scene with the four women fighting over the gun. One woman had been shot in the leg and as they are fighting she is screaming, “My leg! My leg!” over and over again and I couldn’t help but burst out laughing. There is a lot of great criticism about online culture and how it can be ridiculous and over-the-top.
The ending is fantastic! I like the way that the story resolves itself so it is a good watch just based on that.
Anyhow, have a wonderful Monday!