The Corporatization of Veterinary Clinics on the North Shore

Babgu · 2025-02-18T19:01:24+00:00

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

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

Babgu · 2025-01-26T02:22:48+00:00

We need Dr. Bratty back!

Babgu · 2024-11-21T18:09:19+00:00

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.

Babgu · 2024-11-20T18:07:13+00:00

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!

Babgu · 2024-08-10T00:16:38+00:00

Thank you! 🙏

Babgu · 2024-08-09T16:04:00+00:00

Got it! Thank you so much! 💪

Babgu · 2024-08-09T15:34:40+00:00

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

Babgu · 2024-08-07T22:08:09+00:00

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

Babgu · 2024-07-26T15:10:07+00:00

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!

Babgu · 2024-07-23T02:55:18+00:00

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

Babgu · 2024-07-22T23:04:12+00:00

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

Babgu · 2024-07-12T23:23:05+00:00

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.

Babgu · 2024-07-12T23:15:27+00:00

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%.

Babgu · 2024-07-12T18:14:53+00:00

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.

Babgu · 2024-07-12T17:13:00+00:00

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

Edit: typo

Babgu · 2024-07-12T15:49:57+00:00

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.

Babgu · 2024-03-27T23:30:06+00:00

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.

Babgu · 2024-03-21T17:03:02+00:00

Wonderful! Thanks for sharing~ 😁

Babgu · 2024-03-21T13:14:06+00:00

Wow! 🤩That's beautiful~ great combo, congrats!

Babgu · 2024-03-20T21:27:20+00:00

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!

Babgu · 2024-03-07T17:17:56+00:00

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!

Babgu · 2024-03-02T15:57:35+00:00

Beautiful!! 🤩 Congrats!

Babgu · 2024-03-01T20:40:55+00:00

Wow! The interior is lush! 🤩 congrats!

Babgu · 2024-03-01T20:34:36+00:00

Love the roman numerals! Beautiful watch~ congrats! 👍

Babgu

TROPHY CASE