Canada <> US

Sounds more coincidental than work related.

Although i think long hours of sitting lead can lead to blood clots more generally. A good reminder to get up and moving regularly throughout the day.

Those US porch pirates…

Other than sometimes a public pool or the beach, I’m unaware of a public fitness center anywhere near where I’ve lived in the US. We have bike paths and hiking trails, but nothing intended specifically for fitness.

And the public fitness centres here are not free. They are however good value relative to a private club and are well-maintained and well-equipped.

My relatively well-to-do suburban “city” has a rec center that costs $150 a year for a family membership, which is obviously way less than it costs to actually run the place. There’s a tot room where they’ll watch your kids certain hours for a nominal fee, nautilus equipment, free weights, room for fitness classes, exercise machines (treadmills, stairmasters, step mills, ellipticals, arc trainers, several varieties of stationary bikes) an indoor track, a climbing wall, indoor basketball & volleyball courts, squash courts, locker rooms with saunas & showers, a hot tub, outdoor swimming pool with lap lanes & family section & water slide, kiddie pool, tennis courts, and probably a bunch more that I’m forgetting.

Until the pandemic everything was maintained really really well. Since the pandemic they seem to have said “F it” and I’ve been really annoyed by how little they’re doing to keep it up these days.

My assumption is that their tax revenue is probably down a bit since there are a number of office buildings within the city limits that probably house fewer employees than in the past and thus bring in less revenue.

But don’t let the place fall apart IMO. Charge more and maintain it. Alas…

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Our city has a Rec center that competes against local health clubs. Fees are reasonable but not solely nominal. They have an indoor pool; most health clubs here don’t.

What about the local YMCA? It’s a non-profit rather than government, most large cities have several of them, and I believe the fees are pretty cheap (my parents belong to one, so it must be reasonable).

The Y is the only local competitor to the city rec that also has a pool (outside of country clubs and neighborhood pools, which don’t really compete in the health club side).

There was a YWCA attached to the building I worked in before retirement. It was well-priced and probably had the best fitness facilities of any downtown health club and I (yes, males could join) used it during my working years. The Y doesn’t have fitness facilities outside the downtown core so the municipally owned community centres are a good option here.

US has better free outdoor fitness options than Canada. Ones that aren’t frozen half the year.

Not so good if you like to skate outdoors?

America solved that by inventing rollerblades.

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I’ll be flying into the USA in the next few weeks and my travel agency sent an email obviously aimed at US citizens about travel advisories, visas, etc.:man_shrugging:

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I never tried rollerblades and probably won’t now. My kids enjoyed them.

I am a fan, but the great outdoor spaces near me are mostly unpaved trails, or hilly, so they don’t get used anymore. I played a few pickup games of roller-hockey on the weekends back in college at an outdoor roller-rink. That was a lot of fun.

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Does the US have the concept in law of a criminal rate of intetest?

CIA is working on new standard for Canadian actuaries. Thought folks might find it interesting:

ASB approves final standard following change in definition of criminal rate

On June 22, 2023, the bill regarding a change to the definition of “criminal rate” in Section 347 of the Criminal Code received Royal Assent. Although it has not yet come into force, it is expected to become effective in the coming months. In response to this change, the Actuarial Standards Board (ASB) established in December 2023 the Designated Group on Criminal Rate of Interest to revise Section 4600 of the Standards of Practice accordingly.

Member feedback in response to the exposure draft on the matter was reviewed, in accordance with due process, and the final standard regarding the definition of “criminal rate” in Section 4600 of the Standards of Practice was approved by the ASB on May 8.

This final standard will become effective on June 1, 2024. Early implementation is permitted if the Criminal Code amendments come into force prior to June 1, 2024.

Review the final standard

“Criminal rate of interest” is, I believe, a uniquely Canadian phase.

Most US states do have usury laws, although I hadn’t thought before of whether there would be any application of such to insurance.

What about the criminal rate of discount, or the criminal force of interest?


Even though he was American, if Michael Jackson’s civil cases had been in Canada would he have been subject to a smooth criminal rate of interest?


2nd death reported at BofA.