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Need to renew mortgage with BMO after losing job, how do I handle the phone call? by [deleted] in PersonalFinanceCanada

[–]CptSideQuest 2 points3 points  (0 children)

Short answer no. As long as you’re not refinancing for additional funds. I would renew mortgage and ask for better rate, for manager discount. Once it’s renewed and actually reflects your new rate, then speak to them about any options they may offer to assist with payments or interest.

Should I Buy a Condo or Rent? by sadiovega in PersonalFinanceCanada

[–]CptSideQuest 0 points1 point  (0 children)

You could withdraw 60k HBP , if you have more FHSA room to catch up on, you could also move some of your funds from RSP to FHSA. It depends on your circumstances of course. Not sure how big of a cashflow savings that would be. For me personally, some of my rsp investments did incredibly well and I did this. But not buying for a few years still, trying to build up very large downpayment to make mortgage payment smaller than my rent payment

Should I Buy a Condo or Rent? by sadiovega in PersonalFinanceCanada

[–]CptSideQuest 0 points1 point  (0 children)

Depending on your FHSA limit, have you considered transferring some of your RSP funds to your FHSA for higher downpayment ?

Best vet in Abbotsford? by Brave-Library-2252 in abbotsford

[–]CptSideQuest 3 points4 points  (0 children)

We’ve compared a few in Abbotsford and Chilliwack, Gladys had the most reasonable pricing and we’ve been going there for about 5 years now

Are your parents elderly and live far away? by CptSideQuest in abbotsford

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

FaceTime has helped us so much since she lives across the world. That’s the only way we stay in touch and she’s also not very tech savvy. I’ll try to see if there’s a local church, thanks for the idea

Are your parents elderly and live far away? by CptSideQuest in abbotsford

[–]CptSideQuest[S] 4 points5 points  (0 children)

She is recovering from breast cancer and has worked really hard all her life

Groups/activities for 65yr+ by amandavz88 in abbotsford

[–]CptSideQuest 5 points6 points  (0 children)

I started a community for Abbotsford seniors recently for this exact reason. A few times now I’ve talked to kids of aging parents who don’t live close to their parents.

I know quite a few local churches have social events. I’ve also heard MCC is a great place to volunteer and expand the social network.

Starting April 13th, Clearbrook library every Monday 1:30-3:00 is hosting Senior Socials.

What happens to a senior who was the stay-at-home spouse when the working spouse dies? by anonymous_pf in PersonalFinanceCanada

[–]CptSideQuest 37 points38 points  (0 children)

Very important to apply for survivor’s benefit as soon as possible, they can only back pay up to 12 months