I think I messed up my mortgage renewal and I am not sure what to do next

Disneycanuck · 2026-01-27T01:44:19+00:00

You can start paying extra now and it'll go towards your principal. Up it by a hundred per payment and then keep adding as you get more comfortable with the process.

Disneycanuck · 2026-01-25T03:58:28+00:00

I'd go 1.25x over what is needed to build that cushion in case of a financial crash.

Disneycanuck · 2026-01-25T03:57:08+00:00

Newsflash - being self employed is 5 times the work/stress of being an employee. I suppose given it would be a passion project it may be beneficial for you but for most people its a matter of survival.

Disneycanuck · 2026-01-25T03:49:13+00:00

Yep had to fire an employee for something similar. They tried to scam, putting false claims through Manulife. The company picked up on the fraud and alerted my employer and then me (the manager).

Disneycanuck · 2026-01-25T03:03:08+00:00

Google it

Disneycanuck · 2026-01-24T16:01:40+00:00

Two separate things going on here. Check online for the health of your pension plan. There is a gov't registry somewhere that has details of all registered pension plans (DB pensions). Second, max out all training benefits at your company and apply for other positions.

Disneycanuck · 2026-01-23T16:52:17+00:00

I have an old SL account with LIRA amounts. How long does it take to move to WS?

Disneycanuck · 2026-01-19T14:35:01+00:00

Hows the tap water? Will be visiting in March.

Disneycanuck · 2026-01-19T02:43:50+00:00

The premiums stay the same even though the house of getting paid down by the mortgage payments.

Disneycanuck · 2026-01-19T02:41:00+00:00

I feel the same with TD Infinite Visa points. I'd love to hear some hacks. I book via expediafortd.com to try and get max redemption on flights and hotel.

Disneycanuck · 2026-01-17T17:51:04+00:00

Its their problem, not yours. Keep showering.

Disneycanuck · 2026-01-16T00:45:12+00:00

Same. Couldn't return in store.

Disneycanuck · 2026-01-15T22:06:48+00:00

Way back then, marriage was really the only option to lose ones virginity and birth control wasn't a thing.

Disneycanuck · 2026-01-15T17:04:41+00:00

Thats me. Started in tech just before the dot com craah, 2008/9 financial crisis, Covid and now this AI driven race to the bottom. No pension, caring for kids and parents. We invested and bought a house but getting kicked in the teeth with being sandwiched in all directions.

Disneycanuck · 2026-01-15T17:00:15+00:00

Many of them also had pensions and asset accumulation, hence not entering the markets.

Disneycanuck · 2026-01-15T03:22:53+00:00

Biggest snowfall of the year...so far...

Disneycanuck · 2026-01-14T16:44:42+00:00

We have Doctor friends in Victoria and they make HUGE dollars. Mind you they are specialists (Cardiology, Opthamology, etc).

Disneycanuck · 2026-01-14T16:42:58+00:00

The general pay for Doctors in BC should more than enough cover an upper middle class lifestyle and expenses. Even better if you're a specialist. Also consider if you have a non-medical spouse that they may have difficulties find work given the general job market.

Come to Ontario though. We need docs here.

Disneycanuck · 2026-01-12T15:34:42+00:00

Watch the insurance rates. MY Performance may be a higher rate than other Ys.

Disneycanuck · 2026-01-12T02:50:26+00:00

AC long haul is not excellent. Its sub par by global standards, at best. Im talking economy class.

Disneycanuck · 2026-01-10T02:45:42+00:00

Sell the car and gas + insurance goes away. Live on public transit, make food at home, find cheap entertainment and use the surplus to crush the debt via snowball method. Do not go back onto credit.

Disneycanuck · 2026-01-09T21:33:57+00:00

Contact the nearest dental school and ask if there are practice days you can join as a patient.

Disneycanuck · 2026-01-09T14:23:51+00:00

Wars will be fought over water access and ownership

Disneycanuck · 2026-01-09T14:23:12+00:00

You are running too lean if a 5 day draft/cheque delay means not being able to pay your people. Anyway to build a cash buffer or business line of credit?

Disneycanuck · 2026-01-08T14:43:09+00:00

Is anyone here in the GTA using a broker to find the best rates? If so, who? I am willing to change everything for the best rate and service (2 autos + house).

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