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Hi Reddit,​I’m Sophie Zhang. I was fired from Facebook in September 2020, sending a 7.8k farewell memo on my last day that was leaked to Buzzfeed and went viral on Reddit w/ 52k upvotes. Earlier this week, I chose to go public with the Guardian in a deep-dive, because everything else has failed.​Please ask me anything. I might not be able to answer every question, but if so, I’ll do my best to explain why I can’t.​Proof: https://twitter.com/szhang_ds/status/1381700231654301696photo of me with sign https://ift.tt/2QlQVWa [compare to the pictures in the Guardian article]Sorry that this is an hour later than intended – intended to do it earlier, but the admins never got back to me on my calendar scheduling and verification.Edit: FYI – I have a call with a reporter at noon PST [an hour after this post was created]; any responses will be more intermittent after that point.​Edit 2: I’m leaving for my call now. Thanks so much for the questions; I’ll try to come back and respond to any further ones later, but I’m quite busy so can’t promise unfortunately. Good luck everyone!​Edit 3: Answered some more questions from 1-1:30 PST. I’ll try to be back later in a few hours, but my afternoon is very booked.Edit 4 – 4:05 PST. Wow this, really blew up while I was gone! All my calls for the day are done now, so I can just stay here and answer questions until it gets late. Sorry for the wait!Last edit – 8:15 PST. I’ve spent the last 4 hrs answering questions, so calling it a night. Thank you so much for the questions, and I hope you found my answers to be reasonably fair, informative, and helpful. Since there was so much interest and I couldn’t get around to everyone, I may do a further AMA on reddit again at some later point. I’ve also learned more about AMA protocol by now, so will definitely book much more time for question-answering in the future.In the meantime, I don’t plan to use this reddit account beyond AMAs, but you can follow my twitter account to see what I’m up to – I’ll usually share new news articles of my work as they come out at https://twitter.com/szhang_ds.Good night, and good luck to all. via /r/IAmA https://ift.tt/3tl4ZxB

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I was speaking with my son while walking our dog the other day and we agreed that most critters seem to be a variation on other critters, be it a long neck deer or a chompy water rat. When asked about seahorse however neither of us could come up with an answer. So what is up with the seahorse how did it come be? What other animals can we see that it’s genetically close to? via /r/askscience https://ift.tt/2PTB0yB

“That won’t happen to me” I said those words a few years ago when seeing a homeless man moving his possessions in an old zellers cart. The virus happened, lost my job and savings, then came my sanctuary, my home. Not a huge place but it was mine. A place to lay my head and forget about the unpleasant things happening elsewhere.I don’t use drugs, drink. I smoked the odd joint when I could afford it. Never had a dui and no criminal record. If you met me, you wouldn’t know I sleep on a friends couch or that a week ago I was in a tent. The homeless of Toronto today are changing. Years ago you had to have a major addiction or severe mental health issue to be homeless or had a character defect that most likely would result in being homeless, there were people in the same situation but the percentage was alot different. Not today. Mom and Pop shops that have been a staple of this community are closed or closing. Your favorite place to eat has closed its doors. And before you know it you’re closing the door on your place, one last time. The final goodbye.Because of years of inflation and a society built on greed, Toronto has become a luxury that only the rich can truly enjoy.It’s in this OPs opinion that the homeless population is going to increase significantly around Toronto and that the people making up that number are going to be upstanding citizens that just didn’t have enough money to live a decent life.We need a change Toronto. People born here shouldn’t have to be a slave to rent and low wages. People born outside of Toronto that move here, seeking a better life shouldn’t have to. And finally, YOU shouldn’t have to. Stay safe Toronto.Homeless Guy via /r/toronto https://ift.tt/3gaPy7J

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I grew up on welfare with a disabled parent in extreme poverty in rural BC, I moved to Vancouver the day I graduated and then dropped out of college after six months in 2008, right as the GFC exploded, to join a tech startup.Worked at the tech startup until 2015, growing it from 3 employees to over 250 and $20 Million a month in revenue by the time I had a falling out with the CEO and was “terminated”. Retained a couple thousand shares.Disgusted with tech, and how it was changing society for the worse, age 25, nobody in the industry would look at me despite my resume because I had no degree. Twenty thousand cash in my savings account after seven years of work. My salary topped out at $45k at that startup, pre-tax, negotiation wasn’t my strong suite.Did a few random jobs, later got a rope access ticket. Down to twelve thousand in cash.Worked as a window cleaner and general rope access technician / dirtbag rock climber until the end of 2018, by the fall of 2018 I was homeless and living in a minivan in Vancouver due to the spiraling housing crisis, with a $7000 LOC tapped out and down to my last $1500 in cash. Rope Access pays decent but keeping up with friends making tech industry money is not a budget friendly lifestyle. Contrary to popular belief, living in a van is not cheap. A disabled parent and underemployed sibling you’re helping out every month puts a bit of strain on the accounting. At this point I’d really been living paycheque to paycheque my entire adult life, with no breathing room for financial planning since my early twenties.Took a gamble on a job building wind turbines in Ontario in the winter, drove across the country with my last few pennies. Pretty brutal work, 18 hour days where it was dropping to -45c. Climbing over 500m of ladder in a day, some days. Learned a lot, left with almost $20k in my pocket, lined up another project for the summer.Next project went decently, left half way when I was hired on with a major Turbine OEM, and spent all of 2020 traveling North America for work. Put in over 3200 hours last year. Of my annual earnings, $30k is tax free LOA. Employer matches my RRSP contributions to 6% of my gross pay each period.Now I’m 31. My monthly expense budget is $1350 for absolutely all non-discretionary, and I’m contributing $6500 to my savings portfolio every month depending on my overtime. I currently have:An EQ 1.5% savings account with $56k in it as my liquid emergency fund. Now that this is comfortably padded, the monthly balance is going towards:TFSA with $15k spread across various cleantech and passive income ETF’s, which I manage using Passiv.TFSA $12k – My bullish / high-risk portfolio which is focused on water and water-adjacent (treatment, desal, etc) funds and equities, foresee massive growth potential there through the late 2020’s.RRSP sitting at $15k, sunlife really fucked up and somehow managed a 2% return during the largest bull run in history. Criminal, honestly.A margin account holding $68k worth of startup stock which extremely recently exited lockup, after sitting on it for a decade expecting to get nothing for it ever, and I’m waiting for the price to improve before liquidating this to pivot into a passive dividend portfolio within the margin account.If I stick to my budget for the next few years and avoid gadget temptation, I’ll hit age 35 with $610,000 just from raw savings. If my portfolio manages a consistent 4% return to be reinvested over that time period – I will be able to comfortably retire to working strictly contractually on an as-needed basis so I don’t touch my invested principle. Ideally 4-6 months of the year spent working and the remainder of my time spent on enjoying the limited horizon industrial civilization has left before it implodes.Go get a job in renewables if you want to get out of poverty, we already can’t find enough people for love or money to do the work who have a brain and aren’t addicts, and this industry is going to explode to three times the size over the next decade as infrastructure spending goes into overdrive.2018: Broke, in debt, and homeless.Today, 2021: $136k in cash & invested assets. $65k of this I saved in the past 12 months from work.EOY 2021: Currently forecasting $190k if I work my ass off. I mean hyperinflation is probably going to decimate this, but hey, looks nice on paper.This feels like a very tiny safety net to me and totally insufficient after being as poor as I was growing up, but I know it is an absolutely huge net worth for an unfathomable percentage of my age group.Poverty is corrosive, it has a long-lasting effect on your psychology when it comes to money. You end up being afraid to take risks which see it locked away or potentially end up losing it, such as with investing it, so instead you spend it on little things and you stay poor. It took me almost thirteen years and what amounts to sheer dumb luck to break this cycle and start managing my finances properly. Recognizing this early, if you come from the same background, is the most important thing you can do. via /r/PersonalFinanceCanada https://ift.tt/2PVDuMO

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This is based on Stats Can 2019 data. I’m a little surprised to see how much is concentrated at the tophttps://preview.redd.it/2nce7b3h39s61.png?width=347&format=png&auto=webp&s=4b978346cff6c731a90a16ef47ce9ef27854817e via /r/canadahousing https://ift.tt/3s6oeJV

The Federation of Canadian Municipalities is the main national lobby group of mayors, councillors and other elected municipal officials.They meet online on May 31. We need to make sure they recognize the housing crisis as their central issue.How can we lobby the lobbyists and make sustainable home prices & a fair housing market their priority? (They talk about “affordable housing” to some extent, meaning low-income high-density housing, which is a crucial policy point but one already well-covered by lobbyists.) Officials are not recognizing the crisis of unsustainable prices/unfair market practices and that must change.A few ideas:lobby FCM directly to make sustainable home prices and a fair housing market their priority (via email pressure campaign or direct 1:1 advocacy with officials)find and propose speakers who they should add to the conference — people who are good on this issue and can advance our agenda (the schedule is not yet set) <- do you know anyone worthy? maybe a good professional/economist with a YouTube presence?attend the conference virtually and force officials, mayors and speakers to answer questions on this issueAre you a student? You can get us access or attend yourself! We will pay all conference fees. DM me if you can help.Thanks to u/TeamDiversify for pointing this out. via /r/canadahousing https://www.reddit.com/r/canadahousing/comments/mmr2ac/protest_opportunity_mayors_are_meeting_at_a_big/?utm_source=ifttt

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