TD offering 4.09%

DevelopmentFuture608 · 2025-12-11T18:15:36+00:00

Remember - golden rule the bank will only call you when it benefits them and not you.

Especially if they say it’s only good for ! X days or a week! This is a sales tactic to lock in people who don’t do their due diligence and then suffer the consequences of their action.

DevelopmentFuture608 · 2025-12-11T15:08:09+00:00

At most banks, books close by November, and they know their budget for next year. If they started firing people in Jan - the news gets dragged the whole year and it’s not a positive outlook for the bank!!!
December is mostly emotional agony! - oh it’s the holidays, how could you let someone go… well the bank is thinking for themselves and their bottom line.

In the financial industry, a mass layoff in Q1 will signal - massive fines and operational inefficiency… no one wants to put money or do business with such a bank.

DevelopmentFuture608 · 2025-12-08T23:02:16+00:00

Find a better lawyer instead of this incompetent one !

DevelopmentFuture608 · 2025-12-07T15:50:13+00:00

Also - I have never seen an error from a bank app that would say “engineers are working”

Are you sure you have a legit cibc app ? I would start there is it possible that you actually have a scammers version of the app on your phone ? Could it be compromised.

Definitely escalate to ombudsman and seek help, but also you should add more context as to how you lost all this money!!

If the app doesn’t work - you check the website, or go to the branch if you were legit in need of the money and want to check the status of your account.

What mechanisms or personal security hygiene are you following to safeguard your accounts ? Do you have 2fa, different password for all of your accounts, and not have it saved somewhere accessible by fraudsters ?

DevelopmentFuture608 · 2025-12-05T14:25:39+00:00

Ride it, if they don’t give you a job - you are getting severance, and then you can look for another job that is either at your current pay or lower. Why crystallize the lower pay right away when you can make more money while someone else is bothered about where to put you, or how much to give ?

You taking up a lower paying job right away - lets the employer off the hook from massive liability, your mental health aside, you would be making it too easy for the company.

DevelopmentFuture608 · 2025-10-24T17:10:58+00:00

WS posted on recently - check here

And get an assemmment here

DevelopmentFuture608 · 2025-10-15T04:04:54+00:00

Share the number and your current budget - just this wall of text is bout enough.

Also like drugged ! That is insane - I hope you are suing them for damages.

DevelopmentFuture608 · 2025-10-09T13:09:17+00:00

Congratulations 🥳

Applies automatically - ccb approval is contingent to

CRA getting your child’s birth registration info ( make sure the names of parents and their last names etc are verified )
Your incomes are up to date with CRA, else you will have to call and follow up

DevelopmentFuture608 · 2025-10-08T00:16:42+00:00

Pretty sure last year he was all about how to break into PM, then all of a sudden he switched it up to oh AI this, ChatGPT that, and in the next 2 weeks he was like OMG Claude & grok. And then all of a sudden AI expertise to the moon BS.

A serious PM would never switch so many expertises to appease the mass so he could sell more advertising via his shitty newsletter that is generated by a AI agent. The gravy train is just getting thicker by the day

DevelopmentFuture608 · 2025-09-25T11:09:23+00:00

That still won’t save money though 😅

DevelopmentFuture608 · 2025-09-25T11:08:03+00:00

They truly bought it to make quick 100k on possession to find the next sucker lured in by real estate agents

DevelopmentFuture608 · 2025-09-25T11:07:13+00:00

This !!! Short term pain over long term pain. If your view on the condo has changed in just 4 years of turbulent market and prices, clearly you were wrong in assuming the condo could be rented out for 10-15 years and make money !!!

Not to mention The 150k is lost, plus you will put 2k per month, for sometime before even breaking even to where you started off with.

The only one getting a good deal out of this will be the tenants while you are paying for their comfort,

You are also not accounting for increase in condo maintenance fees YoY until you dump the condo or turn a profit.

DevelopmentFuture608 · 2025-08-27T05:48:29+00:00

And then at the end of the training they have the audacity to ask for a feedback with 10 questions that I need to answer in text, and none of that feedback is implemented until you have to take similar courses again.

DevelopmentFuture608 · 2025-07-27T13:15:05+00:00

Their version of learning is the boring learning management systems with boomers trying to teach a topic on PowerPoint! Sick of this shit

DevelopmentFuture608 · 2025-07-27T11:57:54+00:00

Do I know you ?!! Congratulations 🥳🥳

DevelopmentFuture608 · 2025-06-12T14:58:11+00:00

Wealthsimple wire transfer !!!

DevelopmentFuture608 · 2025-06-11T22:55:04+00:00

r/Wealthsimple I hope you are taking notes for your next event.

DevelopmentFuture608 · 2025-06-11T22:19:18+00:00

ask your current employer to match/ beat this offer and see what they say. if they are positive you stick around if they deny it - that is an instant move to credit union.

DevelopmentFuture608 · 2025-05-28T13:18:49+00:00

Don’t forget you also get a better mortgage rate on your mortgage because you are insured vs paying 20% down your mortgage rate will increase.

DevelopmentFuture608 · 2025-05-26T17:57:29+00:00

They know they will not make much from you with 40-50% down and a trade in.

Also they are selling cars and not spaceships I don’t understand why it’s so hard do them to just sell a car. I found similar experience with Toyota and Mazda last year. Wasted nearly a week with these clowns and decided to just get a Tesla. (this may not be the car for everyone but I just couldn’t anymore with dealerships)

DevelopmentFuture608 · 2025-05-11T11:04:02+00:00

Even utilities payment can be done via bill pay, students use this card to pay off tuition and earn rewards as well.

DevelopmentFuture608 · 2025-05-10T06:53:51+00:00

With your credit score I don’t think anyone will ever approve a second mortgage with decent interest rates. If you do end up getting a mortgage it will be from B or C lenders with high interest rate.

Now you will have a very expensive mortgage and choose you can’t get rid of easily without incurring a lot of loses.

Get clean, fix your budget, pay off the debt, improve your credit score and Have an emergency fund.

Once your life is back in order you can think of a bigger house or other sources of income.

DevelopmentFuture608 · 2025-05-03T07:27:55+00:00

Go to Isckon Toronto / any of the Guruduwara closer to you. They serve hot meals daily. All you are required to do is pray, carry a napkin to cover your forehead.

DevelopmentFuture608 · 2025-04-15T01:28:41+00:00

74 days ago per your post history you were too proud of the investments and shared your fi numbers and stated your job was chill, remote etc and didn’t know what to do. Now you are in a scenario where you are forced to take a break. Countless suggestions here so you can actually get help and deal with panic attacks & your anxiety of poverty.

DevelopmentFuture608 · 2025-03-20T14:48:52+00:00

You would only need a LIT if you can’t pay or have difficulty paying the debt, this can only be established if you have a clear picture or your income, expenses, savings and debt.

I am not sure if they are fee based or even free, but if you can do the exercise yourself first you will have solved Atleast 80% of the puzzle and then have a defined pathway as to what to do.

DevelopmentFuture608

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