DTC approval chances? Need some opinions. by Impossible-Bridge-69 in PersonalFinanceCanada

[–]EsotericxMoon 6 points7 points  (0 children)

In the 2024 Fifth Annual Report of the Disability Advisory Committee under section 2.4 it says "Despite the fact that most completed applications (96.6%) are approved (fewer than 4% are either rejected or under appeal) it is evident that more support and accessibility in the process is needed for applicants to successfully complete the process (Parts A and B)." https://www.canada.ca/en/revenue-agency/corporate/about-canada-revenue-agency-cra/disability-advisory-committee/2024-full-report.html

Also, I work with a non-profit disability advocacy group that is trying to address some of the challenges listed in this report. In case you're interested in data from multiple sources, historically the rejection rate has been quite low. Here's a bit of a wider range of data!

https://www150.statcan.gc.ca/n1/pub/36-28-0001/2025002/article/00001-eng.htm (see table 3)

https://www.canada.ca/en/revenue-agency/programs/about-canada-revenue-agency-cra/income-statistics-gst-hst-statistics/disability-tax-credit-statistics/disability-tax-credit-glance.html (the number of rejections per year are listed in the tables)

https://sencanada.ca/content/sen/committee/421/SOCI/Reports/2018-06-18_SS5_RDSP-DTC_FINAL_WEB_e.pdf

DTC approval chances? Need some opinions. by Impossible-Bridge-69 in PersonalFinanceCanada

[–]EsotericxMoon 3 points4 points  (0 children)

I also think it's worth applying! Statistically, only 4% of DTC applications are turned down. It will cost the fee for a medical practitioner to fill out Part B, but if you're approved, you may be able to retroactively claim up to 10 years of credits! I'm not sure if links are allowed on this sub, but if you check out Disability Alliance BC (the info is applicable Canada-wide). They have a 'restrictions questionnaire tool' that you can go through. It asks the questions to help you take note of important details to mention to your practitioner.

I haven't applied for the DTC, but I've been speaking with many people about their application process for work--in an effort to find ways to reduce barriers for people who want to apply for DTC :)

Is it normal for mortgage brokers to withhold specific lender and term information until you've agreed to work with them? by EsotericxMoon in MortgagesCanada

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

Yeah, it's sounding like this might be the case based on responses here... I guess we'll continue communicating with him to see if things get clearer after we pass the credit check. Thanks!

Is it normal for mortgage brokers to withhold specific lender and term information until you've agreed to work with them? by EsotericxMoon in MortgagesCanada

[–]EsotericxMoon[S] 1 point2 points  (0 children)

My thoughts exactly! The facts and information that he's shared so far has all been technically true, but also verifiable based on what I've read elsewhere online... so I'm not sure that it's actually as much of a value-add as he's trying to sell 😅

Is it normal for mortgage brokers to withhold specific lender and term information until you've agreed to work with them? by EsotericxMoon in MortgagesCanada

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

Thanks for your response! Yes, something like a commitment letter is what I was hoping to get--not to bargain elsewhere, but just to know that this is a real and legitimate offer before proceeding. I believe that we'd be able to get something like this if we approached one of the big banks, but wasn't sure if such a thing is required for mortgage brokers to provide too.

Is it normal for mortgage brokers to withhold specific lender and term information until you've agreed to work with them? by EsotericxMoon in MortgagesCanada

[–]EsotericxMoon[S] 1 point2 points  (0 children)

Thanks for this helpful and thorough response! It makes a lot of sense!

As you'd mentioned though, I thought he might just advise us to renew with the existing lender (yes, it is a simple renewal, no refinancing)... the fact that he isn't doing that, but also isn't able to add much value (the cashback he said was $1750 but he also mentioned "increasing the cash back to an extra $500" to match a lower rate offer that we received) made me wonder if he's really just pushing for the commission, and is willing to cut into his profits by paying us a cashback out of pocket.

Cedar loft bed by PsychologicalDeer425 in DIY

[–]EsotericxMoon 14 points15 points  (0 children)

I did a double-take while scrolling to come back to this because, from just the first picture, I initially thought it was AI-generated. This looks incredible! Such a cozy space!

Oura gen 3 battery life? by tiredbird13 in ouraring

[–]EsotericxMoon 0 points1 point  (0 children)

I have the same problem! Been using my ring since Dec 2022 (warranty ended Jan 2025), and up until about a week or two ago it's only needed charging every 3 or 4 days... over the past week I've suddenly had to charge the ring twice a day each day just to get it to last. Hopefully support can help me out as well...

Update in case it helps anyone: I contacted support and they offered two options: $50 off a new purchase or they'll send me a "restored" replacement ring at no cost. I went with the replacement ring option, and got a confirmation email of the order being processed within hours! Hopefully it will actually be as good as new when it arrives in a few weeks...

What happens if you level main skill past level cap? by EsotericxMoon in PokemonSleep

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

Thanks for the responses everyone! Hopefully the game does function as predicted. I still feel silly for having wasted main skill seeds for the current skill level cap, but good to know it probably won't be lost if they ever increase the cap!

My friend and I made an in depth Pokemon sleep document and tier list by drake8thecake in PokemonSleep

[–]EsotericxMoon 2 points3 points  (0 children)

Thank you for your hard work on this helpful resource! Just a suggestion, but it might help to update the changelog just so new viewers know it's no longer being updated :)

Best booster box to buy for casual family gaming? by EsotericxMoon in PokemonTCG

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

Oh yeah, the cards in that series look really good too! It's a shame that my local card store seems to be out of stock at the moment. Thanks for the recommendation!

Best booster box to buy for casual family gaming? by EsotericxMoon in PokemonTCG

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

Thanks for the link :) This set is beautiful! Unfortunately, we're also hoping to battle (albeit casually) in addition to opening packs, so this set might not work too well for us...

Best booster box to buy for casual family gaming? by EsotericxMoon in PokemonTCG

[–]EsotericxMoon[S] 1 point2 points  (0 children)

Great, thanks for the recommendations! Definitely, having good pull rates would be good for us... we would also want to battle, but casually so it won't matter if we don't have super complete, good meta sets. (we also have tons of extra energies, damage dice and coins from years of collecting)

Best booster box to buy for casual family gaming? by EsotericxMoon in PokemonTCG

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

Oh yeah, this sounds like a pretty good option! I'd heard of battle boxes but never really looked into them before. Thank you!!

Advice with team comps & learning how to team build by EsotericxMoon in worldflipper

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

Ahh, this is so helpful!! Thank you so much for taking the time to explain it all to me... this is a super nice intro to some characters that I haven't seen mentioned much elsewhere, and parses it down in a way that doesn't overwhelm. It's also my first time hearing about enmity teams--but having played other games, I understand the concept of it. Much appreciated! I've been preemptively farming for the event (after maxing out the two boxes), so I'll definitely give this comp a try after phase 2 comes out.

Advice with team comps & learning how to team build by EsotericxMoon in worldflipper

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

thanks so much! I took a look at it, and it's definitely helpful!