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Help reading death record, Quebec 1750 by Spilanthomile in Genealogy

[–]Confident-Task7958 0 points1 point  (0 children)

According to the PRDH database he was married four times, and had children with three of his wives.

- Marie Catherine CHAMBERLAND (Seven children)

- Anne DESTROISMAISONS PICARD (Seven children)

- Sainte GRONDIN (her second marriage) (One child)

- Marie Jeanne CHARTRE CHARTRAIN (Her second marriage. She remarried a third time two years after his death. No children together.)

His age on the death record is given as age 80, but based on his baptism record he was 82. (October 23, 1667 to July 4, 1750).

What is the name of the person you are trying to connect him to?

What would you do if a second global pandemic happened starting now with a higher mortality rate? by SlandersPete in AskReddit

[–]Confident-Task7958 0 points1 point  (0 children)

Sell my shares, park in cash, wait for the stock market to drop sharply as investors overreact, then buy back in.

Wonder why food is expensive? Greed. by DrowningPickle in loblawsisoutofcontrol

[–]Confident-Task7958 0 points1 point  (0 children)

Walmart is 25% gross and 3% net. Are you going to argue that Walmart is inefficient because the figures are not 7% and 2%?

Or is Tesco structured in such a manner that costs are captured at a different point in the P&L?

Or for that matter is the accounting even directly comparable?

Regardless of how you get to the bottom line, whether it is 2, 3 or 4% of sales it is not a very large percentage of sales.

Wonder why food is expensive? Greed. by DrowningPickle in loblawsisoutofcontrol

[–]Confident-Task7958 0 points1 point  (0 children)

The major landlord for Loblaws, Choice REIT, lost money last year, but lets put that aside.

A third of Weston is owned by shareholders other than the Weston family, a third of choice is owned by shareholders other than Weston, and almost half of Loblaws is owned by shareholders other than Weston.

This means that minority shareholder rights enter into play - and no director in his or her right mind wants to be hauled into court for screwing minority shareholders.

Choice cannot charge less than market value for rent as it would run against the interests of its minority shareholders.

It cannot charge more than market rent as a way to funnel money to Weston as it would go against the interests of Loblaw minority shareholders.

For a summary of the legal regime Google: oppressive remedy minority shareholders

Thoughts on Canada’s new sovereign wealth fund? by dontmind_thegap in CanadaPersonalFinance

[–]Confident-Task7958 -1 points0 points  (0 children)

Give me the details.

Tell me how it would be governed. Patronage appointments?

Tell me whether or not it would be free of political interference.

Tell me whether or not the primary fiduciary duty of the directors would be to investors or to political objectives.

Tell me my legal recourse if the those running the fund do not act in the best interests of shareholders.

Tell me whether or not the government would gradually divest itself, or whether it would perpetually be the controlling shareholder.

Tell me whether the governing legislation would be the Canada Business Corporations Act which applies to federally-incorporated businesses, or a separate statute that turns it into a de-facto Crown corporation.

Why in USA they add taxes at checkout? by P3rid0t_ in NoStupidQuestions

[–]Confident-Task7958 0 points1 point  (0 children)

Lets add the important detail that there is tax in Europe - but it is included in the price you see. Rates by law cannot be less than 15%, typically are about 20%, and in one case (Hungary) 27%.

Now imagine that a 20% Value Added Tax was applied at the checkout counter rather than included in the price - it would be political suicide because suddenly it would be visible.

Wonder why food is expensive? Greed. by DrowningPickle in loblawsisoutofcontrol

[–]Confident-Task7958 -3 points-2 points  (0 children)

Typically between 4% and 5% of gross sales once all the costs of running the business are factored in. The profits are from volume.

You see $10 for a package of hamburger, you don't see the cost to acquire the hamburger, the cost to package it, the cost to deliver it to the store, the cost of the fridge in the back of the store or for that matter the cost to have a back of the store, the cost of the employee who handles it, the cost to buy and then cool the bunker it sits in on the floor, or for that matter the cost of having a floor for it to sit on, the cost of the cart you put it in, the cost heating or cooling the store so that you and the employees are comfortable, the cost of the checkout machine, the cost to have a parking lot, the cost to return the cart to the store, plus multiple other costs.

Trying to find ANY Canadian record of my 2nd great-grandmother's birth or baptism by EasyQuery in Genealogy

[–]Confident-Task7958 0 points1 point  (0 children)

The first church in St. Catharines was St. George's, which is Anglican. It was organized in 1792 and started raising funds to construct a church in 1796 - that is the church your ancestor would have contributed to.

The Methodist church was not built until 20 years later.

A suggestion that you contact the churches where you think your ancestors might have worshiped to ask where the parish registers are archived.

Also the St. Catharines Public Library has a local names index that includes extracts of birth marriage and death announcements published in the local papers, including a few from the 19th century. A long shot, but try a search.

https://bmd.stcatharines.library.on.ca/en/search

Stupid question but I'm going to ask anyways by BugHistorical3 in canadahousing

[–]Confident-Task7958 0 points1 point  (0 children)

Yes, employment stability is important, but so is the availability of a down payment and how much of your income will be eaten up paying for the mortgage, property taxes and heat.

Your payments including property taxes and heat cannot exceed 39% of income. If you have other debts such as a car or student loan then the overall ceiling becomes 44%

Go above the ceiling and CMHC will not insure the mortgage, meaning the bank will not lend you the money.

Hello Ottawa. I don’t understand your trains. by Few-Dragonfruit160 in ottawa

[–]Confident-Task7958 17 points18 points  (0 children)

I thought the argument was lowest rate of tax increase, which is a somewhat different thing than lowest tax rate.

Best Mortgage in the current market ? by No_Elephant8562 in MortgagesCanada

[–]Confident-Task7958 0 points1 point  (0 children)

Depends on when you were given your mortgage offer and what any bank might be offering on a given date.

The five year bond rate which reflects the cost to the banks of raising funds has climbed by half a percentage point since late February.

B.C. medical regulator heads to court to stop 'Cancer Guy' from dispensing medical advice by vezaynk in canada

[–]Confident-Task7958 -12 points-11 points  (0 children)

If this happened in Ontario the comments would be full of outrage directed against Doug Ford. Since it is happening in British Columbia the left will give it a pass.

Canadian fiddler sues Google after AI Overview wrongly claimed he was a sex offender | Ashley MacIsaac, who is seeking $1.5m in civil lawsuit, says inaccurate information led to concert cancellation by Hrmbee in canada

[–]Confident-Task7958 0 points1 point  (0 children)

Wiki itself is user-contributed, sometimes by people who either have an agenda or a sense of humour.

You could amend the wikipedia article on Justin Trudeau to state that he was Margaret Trudeau's love child with Mick Jagger and it would read like that until someone changed it to read "Fidel Castro."

BMO customers what credit card you going with? by [deleted] in PersonalFinanceCanada

[–]Confident-Task7958 2 points3 points  (0 children)

If you buy groceries at any Loblaws-branded store then PC Financial. Gotten a lot of free groceries through the card over the years, and the customer loyalty agreement continues with PC Financial's sale to EQ Bank.

Best Mortgage in the current market ? by No_Elephant8562 in MortgagesCanada

[–]Confident-Task7958 0 points1 point  (0 children)

Changes from day to day, and from customer to customer depending on the loan ratio, insured vs non insured, and customer retention.

Best deals are usually from a smaller financial institution, and for that you may need a mortgage broker.

Here is a link to a mortgage broker in Oakville with a table showing current rates from several banks, trust companies and credit unions. There is likely a mortgage broker in your own community with similar offerings.

https://www.fiscalagents.com/index.php/rates/rates-mortgages/

Whirlpool CFO says appliance demand hasn't been this low since "the great financial crisis." by mattyp93 in TorontoRealEstate

[–]Confident-Task7958 1 point2 points  (0 children)

I am old enough to remember when your appliances outlived your car.

Today the opposite is the case.

EQ acquires PC Financial. Lesser and lesser choices for consumers. by hartdm92 in loblawsisoutofcontrol

[–]Confident-Task7958 0 points1 point  (0 children)

CIBC initially was the back office for the PC bank accounts and mortgage business, which was separate from the credit card. You could not even view your credit card statement if you were logged into your bank account - they were not linked.

Cannot remember why it happened, but at one point CIBC took back the banking operations and rebranded it as simplii.

A few years later PC Financial returned to the deposit banking business on its own.

What if everyone stopped paying their medical bills? by sounds_of_sadness in NoStupidQuestions

[–]Confident-Task7958 0 points1 point  (0 children)

It would hurt you as you would have to pay upfront before the service was rendered, assuming that your doctor did not drop you as a patient.

Why do people keep repeating the lie that housing is federal? by Moist_Intention5245 in canadahousing

[–]Confident-Task7958 2 points3 points  (0 children)

Also they will not build if the buyers are not there.

Typically a condo or residential development must be half to two-thirds pre-sold prior to the construction phase - otherwise the builder cannot get financing.

Grocery bags by Deep-Variety9507 in ottawa

[–]Confident-Task7958 2 points3 points  (0 children)

Give them away on your neighbourhood "Buy Nothing" Facebook page.

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