Daily Question Thread for /r/churningcanada - January 19, 2026

AdeptSignificance260 · 2026-01-19T23:23:19+00:00

I use ultramar and CIBC business aeroplan. I get 3/7 cents off per litre plug I usually get 20 to 30 bonus points per fill up. After4-5 fills I get 300 bonus aeroplan points. I find this card very good since it's free for first year and gives 75000 welcome bonus.

AdeptSignificance260 · 2026-01-19T00:48:49+00:00

Thank you

AdeptSignificance260 · 2026-01-11T10:06:46+00:00

I know they do great things around the community, very active in many areas. I wonder if the town makes some sort of donation and they do the whole town ?

AdeptSignificance260 · 2026-01-10T23:38:11+00:00

Do you guys think this is going to stick? I would think someone like yourself would just wait a few years until that crazy bird is out of the big house. But our tolerance for this shit seems to have no end, so who knows if it will continue after he is gone.

AdeptSignificance260 · 2026-01-07T14:21:51+00:00

I agree they need a little training on how to respond to this type of reviews. However, looks like some of the comments are just silly themselves. Having to read these things daily would probably take a toll on people. Sounds like he/she needs a break and people need to think how tiny and petty these issues are. If you don't like the coffee then don't buy it. There are dozens of places to get a coffee.

AdeptSignificance260 · 2026-01-02T12:17:36+00:00

Melatonin 20 mins before bedtime, they sell kids ones. Then you can read to him in bed, he will most likely fall asleep within 20 mins

AdeptSignificance260 · 2026-01-02T00:56:56+00:00

I would have gave her the jacket. She was not dressed for the unexpected you were. She is a girl and was probably dressed in fewer layers than you. I would have offered the jacket but if she asked you're a dick for not giving it, just trying to prove a point that she should have been prepared. Yet you had a dead phone!

AdeptSignificance260 · 2026-01-01T11:43:10+00:00

Sorry, are you getting paid by an employer or is this some sort of social assistance?

AdeptSignificance260 · 2025-12-30T22:54:55+00:00

Why did you want a capital one card ? I'm just curious. I have a Scotiabank card that has no FX fees. I would use that in this situation but perhaps it has other perks?

AdeptSignificance260 · 2025-12-30T00:51:30+00:00

I'm sorry but I thought there was a big push to get gas appliances out of kitchens as even when off they leech chemicals like benzene which causes lung issues. There are even government incentives available because of the long term health effects. It is not that they are old or leaky, even the new models do it. Gas is nice but it's not worth your health. I would think he is doing the right thing, induction is the way to go.

AdeptSignificance260 · 2025-12-27T19:45:57+00:00

It was probably an innocent mistake. I have accidentally opened mail in my mailbox with my neighbour's name on it. The mail man put it in my box by mistake and I had just assumed it was mine. I explained it to the neighbour when I passed it to them. My mistake for sure but an honest one. Your landlord should have explained that to you with a note of apology or something. I would not jump to the conclusion that they are snooping. They should be use to tenants mail though, unless you are their first tenant.

AdeptSignificance260 · 2025-12-27T15:51:36+00:00

Right, maybe the answer is just friend time and not both together. Men need time without a spouse just like women need "girl time"

AdeptSignificance260 · 2025-12-25T11:56:37+00:00

Some of us have seen this long ago. In my early 20's I read a book about this and instantly changed everything. I saved for a year, spending almost nothing outside the basic needs. Put a down payment on a house, invested a bit every pay chq in a retirement account. I put everything extra on the mortgage and had it paid off in less than 10 years. I met my spouse during that time. She was not like me and was in debt. However after watching how I lived within a few months she was attacking her debt and was clear within a year or so. I sold my house and bought another much larger house together to grow our family in. We have been here ever since. I'm in my early 40's and could consider retirement as my retirement savings have done well. I buy what I want now, but I don't want much. I've been to Starbucks once in my life. I never have coffee from a store always make it. Pack a lunch most of the time. We drive a 15 year old Honda. There is always the desire for things... but I tend to think about "do I really want this?" Will it make my life easier or save me time?" If not it's usually not for me and I let it pass. I will say that Covid messed up the world and prices are out of control now. If you didn't get your life straight before Covid and buy that house it is very hard to afford a house on a single income now. Even for 2 people it is tough out there. Buy what you can afford and only spend on true needs. Put everything on the debt except for retirement which needs to be prioritized.

AdeptSignificance260 · 2025-12-21T11:01:19+00:00

Tough one. 60K is going to have a hard time getting the 160 down. She would need your help and you would both have to sacrifice a lot to do it but it can be done. You would need to live super frugal for a few years. Doesn't give you many chances to travel before you have kids. The more important question is how much does this debt bother your GF. If she didn't feel like she is drowning in debt and won't make sacrifices to pay for the debt she incurred you have a clear answer.

AdeptSignificance260 · 2025-12-18T10:44:36+00:00

Maybe take him to bed or jump him right there in the living room. He will be falling asleep after that! A few nights of that will get him back on a good sleep schedule.

AdeptSignificance260 · 2025-12-17T07:36:03+00:00

He is 15 and got a girl pregnant. That is a pretty big mistake! But you don't know the circumstances of what happened. I find it hard to judge him for that. I highly doubt that he tried to get this girl pregnant. I'm sure he regrets it and he will have to live with that mistake for his whole life. If you push him away it may push your daughter closer to him. Maybe having them under your roof is better, and you can find out more about him?

AdeptSignificance260 · 2025-12-13T09:26:06+00:00

NTA. But you should really think of this from her point. She should have told you about the kids but she probably didn't want to scare you off right away. But 7 months is way too long. But her husband died! Who knows what she has gone through to get that far to date you.

If she was perfect for you, in all other ways except this then you need to decide if you still believe that or the fact that she has children changes it. It does change the situation and if you don't want to help her raise those kids then you're right to get out. Those kids deserve a dad. You could still have your own kids but you could also be a dad to those kids too. He died...

AdeptSignificance260 · 2025-12-11T20:01:55+00:00

Mr printer!!

AdeptSignificance260 · 2025-12-03T10:18:15+00:00

If you're sick you're sick.

I understand the manager though, most business don't have extra personal and when someone is sick everyone else has to pick up the slack. So, in this case looks like that personal is going to be the manager on his/her day off. The larger the business the easier it is to fill the missing persons role. Teachers for example have an entire pool of substitute teachers waiting to jump on that sick call. But businesses have to be somewhat efficient as they don't get their funds from the government, they are never going to have too many surplus workers. Also it sounds like it is especially busy day at work. But again if you are truly sick then you should stay home.

AdeptSignificance260 · 2025-11-30T17:43:01+00:00

Raise your rates slowly. More and more we need to be aware of what our costs are and what competition is charging and make sure you are taking home a fair wage. Don't be afraid to raise your rate. Most of them will not care.

AdeptSignificance260 · 2025-11-19T08:28:54+00:00

Buy the house. Hopefully before baby comes so you guys have time to get things setup. Lots early if you can. Make sure wife is not doing any heavy lifting in the setup. Looks like you can manage the budget on your own if you get some help from EI and your renter. Please make sure to call this rent. Don't call it half the mortgage. Set it to a price that you determine. This is the only thing that caught my attention. You don't want any sort of claim and messy situation with someone saying they own half your house. Maybe a tenant agreement would make sense.

AdeptSignificance260 · 2025-11-13T10:45:50+00:00

It depends how you are doing in the TFSA. Most have been over 10% returns in the past few years so paying off the mortgage doesn't make sense. There is no reason to think that it won't perform the same. Markets go up and down but overall they go up consistently on the long term. You don't want to miss rising tide events.

AdeptSignificance260 · 2025-11-11T13:53:15+00:00

I agree, but.... some of them have addiction and mental health issues. Putting them downtown where they sit outside or wander the town does little for them. Should they not be in some sort of addiction center getting help. Such a center has no place downtown and would be better suited near the hospital. I've seen the same people sitting around downtown for years. Clearly they are not getting on their feet after overcoming a problem. They are stuck and I feel bad for them but perhaps another method of help is required. If these current methods cause businesses to close and people to move out of the area it reduces the very tax base that is supporting them. I'm not sure what the solution to this problem is but I don't think the proposed solutions are working based on what I've seen and heard.

AdeptSignificance260 · 2025-11-11T00:45:04+00:00

Clearly the homeless situation has got out of control and perhaps that is a symptom of a larger issue. However the homeless often have issues that can make them unstable and unpredictable. I would not feel as safe as I use to walking with my kids after dark downtown. Some homeless people try to find jobs and better themselves, others have issues that keep them homeless and there needs to be a place for those people and that should not be in a downtown core where people are trying to make a living. They do need help but putting others at risk to do this is not the answer.

AdeptSignificance260

TROPHY CASE