Early 30′s: A How-To

A friend forwarded me a list of what women in their 20′s think about, and it got me wondering what me and my friends are doing that’d make good hipster list fodder.  So I collected my thoughts about what it means to be a “single guy in his early 30′s.” Pardon the Canadian bias, mileage may vary, but self-reflection is good.


Women like you more now than when you were in your 20′s, but you’re not sure why. Is it the slowly expanding gut, or the workaholism? Don’t care.

Going to a college bar goes one of two ways: best night ever!! Or a pathetic waste of a Saturday. Clearly no longer one of the bro’s. Did I just get called “sir”? These people sure are sloppier than I remember.

You shop mostly online and at 24hr mega-stores. You pretend to know a “great little bakery” when you need to go on a date. Yelp and Foursquare are better help than your hip and trendy friends (which you have less now).

Salt and pepper hair: soon!

When did you get so many peacoats? And leather shoes. Also, you like plaid again. The “Refined Yet Scruffy Off to the Cottage” look is a good look. Couple that with a craft beer on a patio and you got yourself a Saturday afternoon, friend.

You see something you like, you buy it. Simple! Treat yourself, after a decade of alcoholic poverty.

Hopeless devotion to a cause is slowly fading: you’re into good decisions now. Bike (Eco-green!) or drive (Ride or die!) to work?  Neither.  Move closer to the office, and walk if you can. Drive when you have a client meeting. Bike when it’s nice out. Rational.

The stock market and mutual funds: no longer stupid! 42-year old you will divest into index funds, but for now, have fun day-trading.

You want a house. Nay, a slick bachelor pad! Before someone demotes you into some man-cave. Advice: date someone trendy so they can help you pick a nice kitchen island.

Tired of shitty coffee. Just done with it.

Working out means flaring up that old basketball/soccer/breakdancing/no-longer-being-21 injury. And boy … will your friends hear about that shit. Please, tell me again why your ankles and knees aren’t what they used to be.

Dudes with babies: you’re OK with that. In fact, you’re impressed by how well put together they seem about it. Family is important. WHAAATT AM I A CONSERVATIVE NOW?! NOOO!!

Ex-girlfriend? Waah waah, someone else’s problems now. Sincerely hope they’re happy, because I sure am. (Mostly)

Some Advice for Picking RRSP’s

Retirement saving scares the hell out of me.  I can’t imagine putting away enough money to survive 20 years from age 65 onwards.  Especially once you entertain fears about inflation, interest rates, or having to sell a house at the beginning of a mortgage crisis.  More than anything, I’m not even sure what to do with the advice people give me to avoid these problems.

I got some good advice from my friend Jeff that I can actually act on, so I wanted to share it here.

Side note:  Now that I understand things a little better, the Globe & Mail’s Investor Education and Investor Education Fund are great resources.

RRSP’s are generally good, especially if you get free money from work via RRSP matching.  My employer matches up to 4% of my income from personal contribution, but locks me in to a single RRSP vendor (more on that later).

Government says you can put away about 18% of your income away in RRSP’s tax free.  That is totally awesome.   On an $70k income, that amounts to about $5k in tax savings if you put away that 18% away in RRSPs.   $5k annually is a lot of “free” money … if you can afford to put away 1/5th of your paycheque, yikes.  But that’s the personal challenge.

When picking RRSP’s, the type you pick depends on how many years you have left before retiring.   If you’re in your early 30′s “normal” is having 70% of your portfolio be more long-term, and 30% be safe.

30% Safe Things.  The key here is “debt instruments.”  Bond Funds based in the US and Canada qualify, end of story.

70% Future Things. Historically it’s a good idea to bet on the market indexes, specifically ones like S&P 500.  That one specifically is American, really well diversified (farming, pharma, tech, auto, you name it ..).   The Canadian TSX Indexes are more focused on banking and resources, less diversity, but historically also very good.    By buying funds that closely match the S&P 500 and TSX indexes, you’re basically betting that the economy in Canada and the US will get better over time (historically, ~10% growth per decade since the 1940′s).

Working against you are a few things:  inflation (gotta outpace that),  interest rates (make sure you make money when interest goes up), and the infamous cost of managing funds – the MER.

The MER (Management Expense Ratio) of a fund is how much money the fund manager takes as their cut.   You want this to be super low.  Lowest MERs are around < 1%, unless you’re dealing with hundreds of thousands of dollars. On the high end, 3% is very high.  Most of the RRSP funds my employer lets me pick are in the 2.2-3% range.

For example: a Canadian Bond Fund from Great West Life has a return of about ~4%, and an MER of ~2%.  That means a $10,000 investment over 10 years will cost me $2,681 in fees.  No joke.

So when selecting index and bond funds, favour the ones with a low MER.    If you have trouble finding the MER listed for the funds you’re buying, GetSmarterAboutMoney has a great tool to look that up and see how much fees eat into your investment.

So in summary, my strategy is:

  • Try to put away that 18% in RRSP’s every year, take the money I save in taxes and re-invest.  30% in bond funds, 70% in index funds.  Rebalance when I get a chance, reconsider at 35.
  • MER is hard to find, but really cuts into your investment. Try to keep that at a minimum, favour funds with lower MERs.
  • Even if I rock this investment stuff, debt is the enemy.  No matter how well my portfolio is doing, likely not better than my 19.8% per year credit card debt!  Paying off credit card = best, paying down mortgage = also good.

Hopefully that helps.

 

Tires Sizes for a Hyundai Genesis Coupe

I’m shopping for winter tires for my Hyundai Genesis Coupe, so I wanted to share some experiences.

First off, I have the 3.8GT Track version, so my stock tire size is a bit insane, but fits on any 2.0T or 3.8L coupe.

Front: 225/40/19  Rear: 245/40/19

The bolt pattern is:

5x114.3mm (5x4.5")

A 40 point profile (height) is not great in the winter, as ice and snow will ruin the rims.  The wide 245mm rear tire is not good in snow, so I’m looking at a 225mm tire for the rear as well.  Unfortunately, my Brembo brakes need the 19″ wheel to clear. Serves me right.  :(

If you have the 2.0T or other non-Brembo-braked versions,  and you want a staggered setup, you can switch to a smaller wheel. These are the sizes that seem to work:

17" - 225/55/17 - 0.1% faster than stock
18" - 225/50/18 - 0.5% faster than stock

Sites like 1010tire.com actually have a wide range of results for these sizes, so hopefully they’ll be no problem finding them at your local tire shop.

[Edited: 19" wheels are my only option.]

Australian Opportunity

Somehow the gods smiled upon me last week, because I got sent to Australia (!!) for a conference by Desire2Learn for 12 days.  Coles notes:  conference was a hit, everything is expensive, Australians in general don’t go to Tasmania but think it’s beautiful and charming (which it is!), Brisbane is like Miami on a river, and in broad strokes Australians are … intense. As a people.  Needless to say, awesome experience.

The Conference

Desire2Learn hosted a successful Asia-Pac Teaching and Learning Conference in Melbourne. The conference itself was a hit (Jill said enrolment was about 50% higher than expected), and the Marriott was a great venue. The majority of attendees were either D2L clients, prospects, or participants in our ecosystem.  D2L sent about a dozen people from North America, but primarily it was great meeting the Australia-based team (growing to 30 by year’s end?!).

Four D2L'ers at the Queen Victoria Market in Melbourne

The Conference Crew

From what I saw the quality of the presentations and conversation was very high – clients were excited about the platform and what they’re doing with it, so the energy in the crowd was natural. I didn’t experience a Mini-Fusion - the focus was on new opportunities and potential projects, more so than the established usage patterns that dominate my attention at Fusion.

Tasmania the Beautiful

We spent a few days in Tasmania on the request of the good people at UTAS, and that was my trip highlight.  Tasmania is nature at its finest, especially that bit around Port Arthur.  We saw the tessalated rocks, giant arches, and that silent coastline that reminds you there’s nothing between you and Antarctica.

Dariusz at the Tessalated Rocks in Pirate Bay

Tessalated Rocks, Tasmania

Hobart was a surprising city.  It was very hip and modern, much like the rest of the Aussie cities I visited, but with a distinct East Coast feel.  Take Halifax, inject a museum of modern art,  ”buy local” dining, and you get Hobart.  We ended up spending most of the second day there at a wildlife sanctuary feeding kangaroos and watching Tasmanian Devils be crazy.

The City Life

I split my urban time in Australia between Melbourne and Brisbane.  Both cities were modern (80′s pants), trendy (hair in top bun), expensive ($4.50 “coffee”) .. whatever you want to call it, definitely inspiring places to be.  The cities were more approachable than Toronto or New York.   Good food, good art, and well dressed working people seem normal there, not confined to King West or wherever is cool in Manhattan now.

Architecture isn’t something that really draws my attention but holy shit, Melbourne just smashes you over the head with it.  The mix between modern and Victorian is in your face and hard to miss.  Especially on the RMIT campus, which is worth spending an afternoon just walking around in.

RMIT Building 8

RMIT Building 8

Brisbane was different.  The city is about an hour from the gorgeous Sunshine Coast, with a dominant river snaking through it.  The city scape is impressive.   It sprawls in ever direction from this river, albeit urban planning is a mess.  Main roads just … end, after winding and turning between these really distinct neighbourhoods.   The CBD is littered with trendy rooftop patio restaurants and beautiful people from a distinctly private school crowd.  The Valley, about a 10 minute walk away, comes to life with night clubs, dive bars, drug addicts, hip hop joints … and had me in a death grip of partying from 1-4am.

Brisbane Skyline from the River

Brisbane Skyline from the River

Intense is Normal

And it was in Brisbane I really picked up on the intensity that Australians put out there.  Backpacking through Europe you hear the warnings of staying away from the Aussies unless you want to end up in a drunken yelling match with some guy who doesn’t see a sucker-punch as anything worth ruining a friendship over.

Kangaroo Staring at Me

How Ya Goin’

But that’s the social character:  boisterous and in each others face, especially if you’re mates.  The side product is lots of swearing, machismo, and a “be mean to keep ‘em keen” attitude after midnight. I didn’t appreciate how much shit-talk Aussies hurl at each other.  Michael, one of my gracious hosts, explained that being too nice to your buds is generally loser-talk, and it’s your job to reign in your best mate from getting an ego.

Though the expectation then is that people get egos because they are generally awesome, in shape, go-getters who are doing something with themselves. And that’s the impression I left Australia with.

Canadians could learn a thing or two from the Aussies – do a better job of making things happen, and embracing this world as your oyster.  Their opportunism is contagious.

 

Media and Polish Day: Challenge Accepted

There are about a million Poles in Canada (one in every thirty people you meet), who have been contributing to Canadiana for about 150 years. My name gives it away – my family is Polish, we moved to southern Ontario from Germany in 1989, and count ourselves amongst that large Polish diaspora who moved to North America at that time.

Though until recently, I had never been too interested in supporting my Polish-Canadian heritage.  So for some unknown reason, I decided to try my hand at media relations, for an event I’ve never attended.

Polish Day in Waterloo

I volunteered myself to be the Media Co-ordinator for Polish Day 2012, an event that runs every two years and sees a packed arena in Kitchener-Waterloo enjoying food, dance, art, and hopsy beer. Having never worked in  media/marketing I thought it’d manageable: a couple of emails, phone calls, hand shakes, and all would be fine.

Boy was I wrong. Managing the media activity for an event like this was a challenge in patience and persistence. Making connections with newspapers, TV and radio stations proved … fickle, to use a better f-word.

I sent hundreds of emails to ask for in-kind sponsorship or deliver a press release, and got only several responses. Following up with those responses via phone during business hours proved to be the big difference, and if I were to do it all over again I’d spend my time doing phone calls and office visits instead.

As far as some personal “wins”:

  • Raising money for the Grand River Hospital – Paedeatric Unit.  I reached out to the hospital foundation and Sandra was super happy to work with us, which lent the whole event more street cred.
  • $9,000 sponsorship offer from Rogers Radio (570 News, Kix 106, and CHYM FM) which included an awesome ad that they produced, and great airtime.
  • Rogers TV appearance on Daytime, which was actually fun thanks to the hosts, Jay and Isabela.
  • Great “event calendar” coverage.  If you were looking for something to do in any event guide, Polish Day was there.
  • Tweeted the living hell out of the event. Those pictures and tweets live on, well after the event is over.

The local newspapers, The Record and Chronicle, did run short pieces before the event, and proved to be very influential.

The Facebook event ended up being a driver of non-Polish attendees.  If I were to do that all over again, I’d set up a Facebook Page before the Event, and take advantage of the ads and metrics Facebook has to offer.

All in all – an awesome professional experience. Media communication is nuanced, realistic campaign plans are key, focusing energy on influential media beats broadcasting to everyone.

Four little boys, dressed as gorale, dancing on the main stage.

Little Gorale @ Polish Day, Stealing the Show

Gzowski Club

I was happy to see my friends from Gzowski Club at Polish Day. Tomasz, Kacper, Paul, and myself started Gzowski Club in December 2010. The goal was to create a social club to help young adults party in the company of their Polish peers.

Three epic events later, I’m no longer part of the organizing committee. But the club is well established, has great T-Shirts, and is pretty unique amongst other Polish clubs for not having any sort of heritage angle: it’s fun, and purely for socializing.

I probably shouldn’t be associating with a bunch of young punks throwing sweet keggers to support their international love ambitions – but night life is synonymous with culture. These guys have done an excellent job encouraging young Poles and their friends to celebrate, and elevate the “cool factor” of that cultural association.

Now that’s a great feat: make Polish cool in your circle of influence.

PISK, Gzowski Club, and ISKRA at a table @ Polish Day

First attempt at a 5 year Career Plan

Full Speed Ahead by Nikolay Dolgorukov, 1931
Five year plans, hmm …

My manager recently asked me to develop a five-year career plan. He suspects that my career challenges are going to hit me hard, heavy, and soon. If I’m not prepared I’ll end up doing something I’m not any good at, or passionate about – and I’ll be a victim of the Peter Principle. I don’t even know what I want for Christmas, let alone how I want to make a living in five years.

But being a computer scientician, I’m taking a structured approach to this problem. Break it down to a series of questions I can actually answer: what am I doing now that I’m good at/enjoy, what do I want to develop, and who does something I’d like to be doing (someone who is about 5+ years my senior).

Continue reading

My brother has a blog!

Hi everyone, my brother Krzysztof has a great personal blog:

kgrabka.wordpress.com

This is notable because a) he doesn’t have Facebook or Twitter …. awkward b) he is a very eloquent writer. He’s in Poland with dad right now, so feel free to check out his adventure.

Explain your job to someone in 1950

Sometimes my mind is blown about what I actually do for a living, just based on the fact that I have a really hard time explaining it to people. Despite being in a world where cell phones, the internet, and Microsoft Office are part of the daily fabric of life, how many of us are aware of the finer points of creating this software?

So as a fun little exercise, a colleague of mine at work (Michael Swart) was wondering how one would explain their job to someone in 1950 – a time before computers.  His explanation inspired this post.

Explaining it in 1950

Grandma and Grandpa Suski in 1953

Grandma and Grandpa Suski in 1953

All of us use some sort of tool to help us with our jobs -  a sewing machine, a reciprocating saw, or a typewriter. When you use that thing, you can tell if it has been well designed. Does it do what it’s supposed to do, and does it in such a way that makes that task easier? Does the spindle move without jerking, does it stop on a dime, do the keys mash or click gracefully?

It’s a little more abstract, but think about reading a book. The form of the book itself makes a big difference in how you you read – are the pages a pleasure to flip, is the print too small to read on the trolley, does it stay open or force itself closed, does it look rich, cheap, well worn, or brand new?  All of those things are part of the design of that book, and that’s what I do – but not for books.

In the future, reading and writing will not be done with printed books and pens, but with a device called a computer. Computers will have  television screens that can show words and pictures (rather than printed paper), and be hooked up to typewriters. This is how schoolchildren will read and write, teachers teach, and most of us send letters and notes to one another.

Computers can do many, many different types of things – each one of these things is called a program. I work for a company that makes computer programs for Universities. My boss tells me “improve this program where people write mathematics equations”, or “make sure that Chinese people can use this as well.”  I work on a design for a program, that runs on a computer.

I work with a small team of people: I figure out how a program is supposed to look and behave. Others work on the nuts, bolts, logic, and engineering. Others make sure it works how it’s supposed to (quality inspectors), others write the manual, and others still deliver it to the client, and help them use it. It takes months, sometimes years, for a program to be “done.”

Believe it or not, someone pays me good money to do this. :-)

Hey I found your purse

When I came home from vacation a couple of days ago I found a bag / purse lying near my driveway.  Today, I decided to ruffle through it in case it wasn’t garbage.

Sure enough it had a large set of keys in, some gum, two digital cameras, and some stuff that obviously belongs to a young woman. I’m sure this person is upset about losing their stuff, so I’d like to help!

If you know any of these people (most likely from the Kitchener/Waterloo area), please leave a comment and help me return her stuff.

1.

2.

3.

4.

So yeah, please circulate amongst your friends and social circles.

Spelled the Same, but Opposite?

I just had my mind blown by the English language, yet again.   There’s actually a word whose opposite (or close to it) is the same word, spelled the same, but pronounced differently.  That word is: resigned.  “Jon resigned his position on the basketball team.” vs. “Jon resigned his contract with the team for one more season.”   As in, that BP CEO who resigned and got an $18 million bonus.

Not knowing if I was using resigned incorrectly, I had to look it up.  Merriam Webster and Dictionary.com demonstrate the disparity on the front page of Google. Pretty cool – I feel like I just won the word nerd lottery.

resigned!  sign again, or quit.

Proudly powered by WordPress
Theme: Esquire by Matthew Buchanan.

Switch to our mobile site