Reminder that “engagement” is likely a major factor regardless of whether it’s agreement or not. Commenting that you disagree with something is the same as commenting agreement as far as the algorithm is concerned. Ignoring things that you don’t want to spread seems like a good way to combat this, but that leaves you with the “echo chamber” issue. If we only engage with things we agree with then our ideals are never challenged and we don’t have an opportunity to improve. Seems kind of damned if you do damned if you don’t.

For a regular personal loan it might be close. I can say over the last year my TFSA did a little better than the rate on my line of credit, but that’s just an anecdotal data point. Where it usually makes more sense is something like having a mortgage, which is generally a lower rate, making the minimum payments on a long amortization period and using any extra cash to invest. For a minimal risk investment like GICs and such the return is minimal. For a longer horizon, more volatile equity investments will do better, but also more risky for short term gains.

Exploitation is the key term here. Things like Co-ops and Crown corporations work to put capital back in the hands of the workers/customers/tax payers, but they can have a hard time competing with private industry. People like the idea of supporting local/sustainable/family owned/etc. but budgets are tight and Walmart or Loblaws fill your grocery cart for 10% less than the local Co-op. This all snowballs, the chains can pay less because they’ve got more positions to fill, they keep things cheap through economy of scale or negotiating power and keep that scale because they’re a bit cheaper then the socially responsible options. People work for the chains because there’s not enough jobs available at the local stores and they can only afford to shop at the chain because they’re being paid chain wages. If we could get enough people together we could enact a change, but that’s hard to do when so much of the population is one missed paycheque away from not being able to pay rent or groceries.

That kind of leaves regulatory or Crown-corps as the better solutions.

It gives more options to customize layout. Removing the second staircase also removes the need for a hallway all the way through the middle between staircases. Since bedrooms need windows, removing the staircase also opens up space to add 1-2 more bedrooms per floor. Part of the issue with the hallway and 2 stairs is you get a corner unit on each one and everything in between gets just one outside wall. Making a bigger building footprint doesn’t help a lot because the floor area increases more than the wall space(which you need to put windows so your apartment doesn’t feel like a dungeon. Which is why apartments tend to be long and narrow, or sometimes wrapped around a central courtyard.

I read somewhere about North American vs European apartments, particularly the smaller 2-4 floor/3-4 units per floor ones, and the European ones tended to have a smaller footprint, but more wall space and more practically usable space than the North American designs.

Sounds about right. We took advantage of the Greener Homes Grant a few years ago to get all our windows replaced in our late 70’s build. It’s a very long process where you have to pay up front for an inspection/evaluation from one of their approved providers, which are often booked months in advance, then you have to pay up front for all the work done. In our case we paid 50% up front then had to wait a few months for the work to be done, then had to book another inspection/evaluation. If one wants get multiple qualifying items done they all have to happen between both evaluations. After that second evaluation you can ask to close it out and receive the grant. Most, but not all of the cost of those evaluations is covered when the grant is approved. IIRC the grant ended up covering about 20% of the cost, but it was over a year to go through the whole process. The Greener Homes Loan came out after we had already received our grant, and if we wanted to do more work to take advantage of it now we’d be on the hook for another post-work evaluation. It is a step in the right direction since you it helps cover some of the up front costs of eligible retrofits. Sask also had a home renovation tax credit available at the time(conveniently implemented just after I built my shed which would have qualified) so it was nice to double dip and get another 10% of the cost rebated, but it’s also something where a person has to pay up front and wait for tax time to see the benefits.

Its great for people that can afford to have the work done and in our case it was probably the difference between us being able to do all our windows at once vs just doing the high priority ones and leaving others for later. It’s pretty much worthless for so many that are already struggling day to day and would probably see more energy savings than those who can otherwise afford to keep up with modernizing their home.

I feel like I’ve also seen the same effects of overestimating energy savings that the article brings up. It’s like they’re standard is a home that’s 50+years old and has seen minimal upgrades done in that time. Air sealing and insulation is more impactful if you have an ancient, lower efficiency furnace, than a modern high efficiency one. That goes the other way too in that an old drafty house will see more benefit from a new furnace than a well sealed and insulated one. Really, without these kinds of grants available it’s rare for energy upgrades to actually provide a real return, aside from a handful of relatively cheap/simple ones like air sealing or adding attic insulation.

One program that does really benefit those in need is the one from Sask Energy. It’s free to participate, and rental properties are eligible(with landlord approval). It includes things like a clothes drying rack, sink aerators, LED bulbs and a smart (ecobee lite) thermostat. They also have a newer program that I haven’t really had a chance to look into yet that does things like doors. These are the kinds of programs we really need.

I think you still need a minimum wage, probably something in the range of 1/1800th of what the UBI is. Otherwise we end up with UBI essentially subsidizing businesses that would get away with paying arbitrarily low wages. Then you just scale up regular income taxes so people can still see a significant benefit from working those minimum wage jobs compared to the current system where benefits can get clawed back so hard that the difference between working full time min wage and being on benefits is negligible.