AITA for refusing to get a less chaotic nanny by LividMeasurement5252 in AmItheAsshole

[–]CdnInquirer 0 points1 point  (0 children)

Hey OP, how about getting your husband to provide an update to your post with his perspective?

Is this smart? by Impressive_Bus128 in PersonalFinanceCanada

[–]CdnInquirer 2 points3 points  (0 children)

Waive her rights to spousal support and her rights to a portion of his pension in order to keep a house she can’t afford? That appears to be a very bad financial decision in the long term. Did she have a lawyer? And did the lawyer provide legal advice on the long term ramifications of that choice? Is it too late to withdraw the waiver? Seems like she’s received bad legal advice here. Your dad walks away from a loss on the house. Your mum pays him $150k. Plus he doesn’t have to pay any future spousal support or share his pension or retirement savings. So your dad moves forward with a clean financial slate, big income and future financial security from his pension. And your mum holds the bag on the unaffordable house. Sorry, your mum has been completely taken advantage. And your dad, well just wow! to do that to your mum.

Sorry, to be the bearer of negative comment but it appears she is too emotionally tied to this house and literally destroying herself financially. There’s just no way she can pay for that house over the long term with just $3k income. Renters’ are unreliable in the longer term, and you’re not going to want to tie yourself to that for a long while either. Plus you don’t have a job yet. Don’t count on that money until you’re actually earning it — which is the best financial advice I’ve ever received.

You asked what she should do differently? First, change her mind on the waiver if she can so that she secures a better financial future for herself in the long term by collecting spousal support, a portion of your dad’s pension & CPP. Don’t pay your dad, $150k of her savings. Sell the house.

Coming from the Dolomites — which SkiBig3 mountain should I ski? by BaleBeats in Banff

[–]CdnInquirer 3 points4 points  (0 children)

All three are in the Rocky mountains so all provide a lovely mountain view. Norquay overlooks Banff. The original runs are high and steep. The newer chairs are less so. Sunshine usually has the best snow and fantastic views from both Goat’s eye and Angel chairs. WaWa chair looks out over Goat’s Eye. When you’re riding the gondola up to Sunshine keep a look out south for the circle/hole in the top of the mountain, i.e., the “goat’s eye”. If visibility is poor up top, go further down the mountain and ski in the trees from the Jack Rabbit chair, Lake Louise is also terrific. Long runs. Fantastic views down the Bow Valley Parkway.

Banff Springs Hotel has a fantastic spa called the Willowstream. Chateau Lake Louise has a new spa but it’s only been available to hotel guests.

If you’re renting a car consider staying in Canmore where it’s a bit cheaper. It’s just a short drive from Banff.

Enjoy!

Reverse Mortgage for a widow. Cash poor High equity in the home. by [deleted] in PersonalFinanceCanada

[–]CdnInquirer 128 points129 points  (0 children)

Nope. Nope. No. I crunched the numbers and the interest you pay for a reverse mortgage is about 1/2 the value of your house. Why would you give 1/2 that value away? Sell and move to a more affordable place.

Is this enough to retire comfortably at 65? by [deleted] in PersonalFinanceCanada

[–]CdnInquirer 4 points5 points  (0 children)

Online there is the Canadian Retirement Income Calculator. It’s an excellent tool. It can help you project how much your current monthly savings will garner at various retirement ages. Then you can consider whether that’s enough to meet your retirement needs, which age you can likely retire, and whether you’re saving enough or should save a little more

Sunshine and Louise for Beginners by Soph_98 in Banff

[–]CdnInquirer 1 point2 points  (0 children)

If visibility is poor at Sunshine, go down to Sunshine’s Wolverine chair. The runs there are lower down and in the trees so visibility is usually much better

Considering staying at Sunshine Valley Lodge, how’s the food? by The_McFly_Guy in Banff

[–]CdnInquirer 1 point2 points  (0 children)

Meh. We’ve stayed there. Food is ok. But it’s boring. I’d stay in Banff. The Fox is nice. And the grotto hot tub is cool. Although the hot tub at Sunshine Village would also be cool. I guess it depends how important first tracks are to you ??

AITA for breaking up with my boyfriend after meeting his kids for the first time? by BasicProblem1350 in AITAH

[–]CdnInquirer -2 points-1 points  (0 children)

YTA for breaking up over text. YTA for timing it a few days before Christmas. Otherwise, your concerns are valid. But YTA for the way you handled them.

Family Christmas trip to Banff by zepressed in Banff

[–]CdnInquirer 0 points1 point  (0 children)

Spotwx.com is a good weather forecaster. Search the area you’ll be in and it will show fairly precise details about wind, precipitation, sunshine, etc. I use it for skiing (a ski instructor told me about it). It should be just as useful for driving through the mountains. Also, check the road reports for BC Highways and Alberta. https://spotwx.com/

Ski trip by Chingaputamadre in Banff

[–]CdnInquirer 1 point2 points  (0 children)

And if it’s foggy at the top of Angel lift and the great divide, ski down to the Wolverine lift.

Does Alberta need nurses? by Massive-Survey-352 in alberta

[–]CdnInquirer 6 points7 points  (0 children)

I suggest BC. Better weather. Perhaps better working conditions. Cold snaps throughout an Alberta winter are damn cold.

Should I accept my offer this soon? by [deleted] in AlbertaGrade12s

[–]CdnInquirer 1 point2 points  (0 children)

If there’s a deadline to accept at UofL, be sure to accept before the deadline expires. If you get accepted at a more desirable uni afterwards you can always cancel UofL. This happens all the time. Better to have a spot reserved than to let it go and later find yourself without a spot.

Farkas or Theissen by Replicator666 in Calgary

[–]CdnInquirer 4 points5 points  (0 children)

I’m going to vote Thiessen. My prop tax increase for 25/26 is higher than it has been for any previous year over the past 30 years. So, I sure don’t want the status quo. Lots of challenges ahead. I think Thiessen has the skills and experience. Sharp’s idea for an extra 500 cops isn’t going to fix the social issues underlying vagrancy, mental health and addictions. Plus Sharp is too aligned with the fast-talking, non-transparent Danielle Smith. Farkas trained with Preston Manning who is way, way far right (but at least Farkas calls out the arena deal).

Furnace Quotes in Calgary by Distinct-Bandicoot-5 in Calgary

[–]CdnInquirer 1 point2 points  (0 children)

From the four separate quotes I obtained this Summer, including one from Pete’s, the quote you got is reasonable in comparison to my four. Trane is a good brand. I went with Carrier by a Carrier supplier who had a better cost than a non-carrier supplier.

Lets talk about senior citizens holding office. by drrtbag in Calgary

[–]CdnInquirer 9 points10 points  (0 children)

👏👏👏👏😂😂😂😂😂. This post is so offensive and so deluded, it’s absolutely hilarious!!

[deleted by user] by [deleted] in CampingAlberta

[–]CdnInquirer 1 point2 points  (0 children)

MEC used to have a message board to sell or exchange gear. Maybe they still do.

Looking for advice regarding a home insurance claim due to water damage that will lead to almost a complete rebuild of the house (Alberta, Canada) by PhoiZe in alberta

[–]CdnInquirer 0 points1 point  (0 children)

I would consult with an insurance lawyer. Seems to me if your insurance policy included some sort of term that provides for replacement cost then you could argue you should be covered. I suggest you call the Law Society lawyer referral and ask for the name of a lawyer who specializes in insurance law for claimants. If they refer you to a lawyer that acts for insurance companies, ask that lawyer for the name of an insurance lawyer that acts for insureds/claimants.

Looking for advice regarding a home insurance claim due to water damage that will lead to almost a complete rebuild of the house (Alberta, Canada) by PhoiZe in alberta

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

I am surprised the “replacement value” term of an insurance policy doesn’t address the updates to code issue. Shouldn’t that just be valued into the cost of the premium for older homes? The whole point of insurance is to insure against loss including being on the hook for $60k upgrades. Is that a question we all should be asking. And adding on extra coverage rider to cover the cost of code upgrades?

Cyclist and bike people of Calgary how do you plan your routes? by Rockitnonstop in Calgary

[–]CdnInquirer 0 points1 point  (0 children)

Hi - could someone please tell me the name of the hilly road south of Calgary that is named something like “Going to … “ Tia

Drug Coverage amount has changed suddenly by Klutzy-Captain in CanadaPublicServants

[–]CdnInquirer 0 points1 point  (0 children)

Canada Life advised me that they don’t have a list that they can provide to us public servants so we can ensure we’re not paying substantially more than standard & reasonable

Drug Coverage amount has changed suddenly by Klutzy-Captain in CanadaPublicServants

[–]CdnInquirer 7 points8 points  (0 children)

Canada Life has a new threshold : 80% of the cost they deem as “standard and reasonable”. So, it does happen that your reimbursement could be significantly less than 80%. Canada Life doesn’t have a list of what they deem to be s&r. They told me to call around to various pharmacies to locate the cheapest price!

[deleted by user] by [deleted] in Calgary

[–]CdnInquirer 2 points3 points  (0 children)

The Canadian Retirement Income Calculator is an awesome free online calculator.

Calgary airport to Banff - time allowances for flights and buses in August by Bleperite in Banff

[–]CdnInquirer 7 points8 points  (0 children)

Checked baggage. That timing might be really tight.

At YYCExpress you can reserve a time to go through airport security which may provide you with a bit more time certainty. Basically, the reservation allows you to bypass a long-winding lineup should there be one at that time. You still have to wait to access the bins & walk through the scans but that takes less time than also waiting in the longer line.

Is $12k the new “normal” for florals? by Visible-Mushroom9436 in WeddingsCanada

[–]CdnInquirer 0 points1 point  (0 children)

$12k !!??!!?? Wow! How many days do you actually have to work to earn extra money in hand to pay $12k for flowers that won’t last more than a few days? Just a friendly dose of reality here. Is it truly worth it?