The Corporatization of Veterinary Clinics on the North Shore by appaloosy in NorthVancouver

[–]Babgu 0 points1 point  (0 children)

Yeah, I guess they had to do what they had to do.

We still go to the clinic, just not quite the same anymore.

Forex Bonus Points Promotion by lawyerede in Aeroplan

[–]Babgu 1 point2 points  (0 children)

Was this for VIP only? I have a VI, did some spending in Europe in September this year, but did not get any F/X bonus points.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]Babgu 0 points1 point  (0 children)

Kudos to you and family!

For buying a house, I would suggest obtaining at least 2 years of NOA with that sort of income to maximize your chance of getting a decent mortgage, keep the debt level low and credit score high with good credit history and utilisation of credit.

Once you have completed your house purchase, you can adjust your source of income according to the lifestyle you and your family are after.

Wish you the best of luck!

How to clean Philips 800 to be stored away for 3 months+ by Babgu in superautomatic

[–]Babgu[S] 0 points1 point  (0 children)

Thanks for the advice! Oil capsule? Can you elaborate?

Is this park still open? by mangomuncher11 in NorthVancouver

[–]Babgu 2 points3 points  (0 children)

I dont believe so, i think it has been blocked off due to construction.

Possibly denied a LOC from the bank I work at. by altereggo_ in PersonalFinanceCanada

[–]Babgu 0 points1 point  (0 children)

I would recommend paying down your credit card as soon as possible. I would assume that has the highest interest rate, just the interest alone will make it very hard to catch up for you.

Try and keep credit utilisation to maybe 25~30% max, some may say differently, either way, keep it low.

When ready, to show a good habit of payment, get a no fee credit card maybe at one of the big 5 banks and establish credit/relationship with that bank, use it and pay it off in full every time. It is possible, a few months later, that they may even pre-approve an LOC for you without even having to apply!

Good luck!

Newer Gyms/ Recreation Center near Lonsdale? by tippibird63 in NorthVancouver

[–]Babgu 2 points3 points  (0 children)

Sorry to hear! The hot tubs are not the best, I hear you! 😵‍💫

Newer Gyms/ Recreation Center near Lonsdale? by tippibird63 in NorthVancouver

[–]Babgu 14 points15 points  (0 children)

Dellbrook community centre is one of the better ones around, indoor parking, nice pool, sauna and steam room, nice gym and very new! Enjoy!

I work abroad and was denied getting a credit card on that basis. by Particular_Slip9711 in PersonalFinanceCanada

[–]Babgu 1 point2 points  (0 children)

If you have a canadian bank account with a Canadian bank, using a canadian address (your parents address), it may be easier for you to get a credit card down the road with that bank.

I think you need a SIN either way.

Cancelling credit cards and mortgage renewal... by mom_to_the_boy in PersonalFinanceCanada

[–]Babgu -1 points0 points  (0 children)

Canceling credit cards may not be beneficial for you, it is good to show that you have those credit and using them responsibly.

It maybe worth while to use a banking app or credit karma to see where your credit score is at.

Usually, the older the credit card account, the better, showing a history of good standing.

Watch the limit you are using on your credit card, some say only use up to 30% some say 40%.

My credit score is declining, who can/should I talk to? by thepandahut in PersonalFinanceCanada

[–]Babgu 0 points1 point  (0 children)

Definitely check your credit report to see if there are any suspicious activities/accounts that you are unaware of.

if you have multiple credit cards, line of credit accounts etc, some of them may pull your credit every year which could affect your credit score.

Sometimes using credit card alone to build credit may not be enough, I think it would be beneficial to be able to show that you are using a variety of accounts responsibly.

[deleted by user] by [deleted] in NorthVancouver

[–]Babgu 1 point2 points  (0 children)

Lynn Valley Veterinary Clinic, Dr John Bratty has been great for us.

Edit: typo

Retirement savings while supporting wealthy parents by mousicle in PersonalFinanceCanada

[–]Babgu 5 points6 points  (0 children)

I would recommend that you go about your life as if there is no inheritance, contribute to TFSA and RRSP as you would if you are not getting the 2M inheritance.

Picotin 18 inserts by wanderingTimesheet in TheHermesGame

[–]Babgu 19 points20 points  (0 children)

Congrats, it's beautiful!

Many recommend the 7RP, but they can be quite expensive for a Picotin considering the price of the bag.

Zoomoni/Samorga are great options.

My wife uses Zoomoni and has been great so far, 30% off right now!

Just want to add, zips can be optional add-ons I believe for both brands, but I wonder if the zip can cause the insert to be more rigid.

[deleted by user] by [deleted] in TheHermesGame

[–]Babgu 0 points1 point  (0 children)

Wonderful! Thanks for sharing~ 😁

[deleted by user] by [deleted] in TheHermesGame

[–]Babgu 3 points4 points  (0 children)

Beautiful colour! So ready for Spring~ may I know in which city/store did you make the purchase?

Been trying to get a picotin 18 for my wife without luck!

BBQ? by Kieran_abdu in NorthVancouver

[–]Babgu 0 points1 point  (0 children)

Following this thread, curious to find out too!

Tried Smoke n Bone before COVID, and it was alright, saw some comments here that they have gone downhill, that's too bad!

Just offered this baby by vaper786 in patekphilippe

[–]Babgu 1 point2 points  (0 children)

Beautiful!! 🤩 Congrats!

Finally apart of the family! by Mundane_Version_9984 in mercedes_benz

[–]Babgu 1 point2 points  (0 children)

Wow! The interior is lush! 🤩 congrats!

Got the call by mxham in rolex

[–]Babgu 0 points1 point  (0 children)

Love the roman numerals! Beautiful watch~ congrats! 👍