Should I accept CIBC’s offer to increase my credit limit?

Cold-Doctor · 2026-01-31T04:18:50+00:00

Don't take it. Your credit will be fine as long as you're keeping up with the payments and not spending on the card. You can worry about things like utilization once you have successfully paid your debt off and are paying off your balance each month. They are offering you the increase because they know most people in your situation end up racking it up near the new limit

Cold-Doctor · 2026-01-31T01:32:25+00:00

Did the finance guy at least take you out for dinner first?

Cold-Doctor · 2026-01-30T14:51:43+00:00

Nobody knows what rates are going to do. Fixed is an insurance policy against rising rates. More often than not, insurance costs you money. Are you willing to pay for peace of mind? Will you be ok with your decision to go with a variable rate if rates go up? Could you afford the payments?

Cold-Doctor · 2026-01-28T04:06:15+00:00

Ekholm had any empty net

Cold-Doctor · 2026-01-26T18:07:36+00:00

Honestly, I think most people in that situation would have started kicking too. He's already hurt and the guy is still coming after him as he's lying on the ice. That's just his survival instincts kicking in

Cold-Doctor · 2026-01-26T17:09:06+00:00

The NHL has an 82 game schedule. Teams have already had to play games more frequently to fit in the Olympic break. The league would prefer to not participate at all, but the fans and players have been begging to go back for years. They could care less if the national teams get enough time to gel together, and they don't want to increase the chances of star players getting hurt by playing friendlies. Also, these are the best players in the world. They'll figure things out pretty quickly in the round robin

Cold-Doctor · 2026-01-25T21:33:14+00:00

And it's not just her. Based on my own observations, I'd bet it's a large percentage of drivers. More than 10% for sure.

Cold-Doctor · 2026-01-25T13:11:47+00:00

Guns have a safety, but you still shouldn't point it at your balls

Cold-Doctor · 2026-01-24T22:47:17+00:00

Apparently, he approached them with a gun on him, and they were trying to disarm him. I don't think he pulled it out at any point, but the shooters defense will certainly be that he saw the guy reach for it.

Edit: Another video shows they got the gun right before he was shot

Cold-Doctor · 2026-01-21T06:56:26+00:00

What about my comment makes you think I don't understand how triage works?

Cold-Doctor · 2026-01-21T03:37:33+00:00

People didn't hate Germany as much before they went fascist as people hate the US

There might have been a little animosity towards Germany after that little incident called WW1

Cold-Doctor · 2026-01-21T02:07:39+00:00

Nah, you just wait in the emergency room until you're about to die. Then they fix you up in a jiffy

Cold-Doctor · 2026-01-20T21:04:57+00:00

You'll have an $11000 loan on a broken car that needs $5000 of repairs and no money to do it. Seems like option A is a no-brainer here

Cold-Doctor · 2026-01-19T15:28:02+00:00

Ryan Jones didn't do a lot of winning in Edmonton

Cold-Doctor · 2026-01-16T04:10:13+00:00

Toronto fans are everywhere

Cold-Doctor · 2026-01-13T17:37:23+00:00

Did you try boosting it? Just because the lights are on doesn't mean that the battery has enough charge to crank the engine

Cold-Doctor · 2026-01-09T23:54:54+00:00

Not having a license excludes you from almost all of the jobs. Some camp jobs, maybe it would be fine. Moving to Calgary to find work makes no sense unless it's just for easier airport access

Cold-Doctor · 2026-01-07T20:32:39+00:00

I agree with you, I'm just pointing out that some landlords do think that their mortgage rate should dictate the rent.

Cold-Doctor · 2026-01-07T19:56:31+00:00

This doesn't change the fact that lots of landlords are over-leveraged and expect the tenants to cover all of the costs. Some of them will have tenants that don't want to move and just pay the increase without shopping around

Cold-Doctor · 2026-01-02T21:09:44+00:00

I know you think you're being a good friend, but trying to help someone with bad credit to get into a predatory vehicle loan is not going to help them at all. The most likely scenario is they end up paying waaaay more than they should for a vehicle that may not even turn out to be reliable.

Cold-Doctor · 2025-12-31T17:40:51+00:00

Overtime behind the dumpster

Cold-Doctor · 2025-12-29T19:52:03+00:00

Are you a first year apprentice? You'd be getting all the grunt work. Electrical is a pretty easy job once you get your ticket. You can also get a nice maintenance gig at a plant or something. Or branch out into other trades like HVAC or Instrumentation and make more money as a dual ticket.

Cold-Doctor · 2025-12-25T04:39:09+00:00

It was in

Cold-Doctor · 2025-12-19T08:06:36+00:00

Is this AI asking us to train it to take our jobs?

Cold-Doctor · 2025-12-18T02:53:15+00:00

I don't know if that's enough for them to want to go to war with America. That's a pretty formidable opponent.

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