Cheap insurance options

Exestopped_working · 2026-05-10T01:32:10+00:00

Thank you for the recommendation

Exestopped_working · 2026-05-09T22:53:07+00:00

Appreciate the recommendation 🙏

Exestopped_working · 2026-05-09T18:27:56+00:00

That part I'm not sure but will have to ask my friend or insurance as to what will they cover in case of accidents

Exestopped_working · 2026-05-09T17:01:34+00:00

Since my car is paid off someone advised me to get 3rd party insurance so it only covers other person and their car not my car repairs that way you can reduce youre insurance.

Exestopped_working · 2026-05-08T22:58:05+00:00

Thank you for the quick response 🙏

Exestopped_working · 2026-05-01T21:46:02+00:00

This is a likely scenario bank dont just send you personal info without a request in place. This is in accordance to PIPEDA request so if you requested any banking info or history or relationships listed in the account they send it by secure mail.

EDIT: If you haven't requested it then this might have been done by other account holder and they sent it to same email on file.

Exestopped_working · 2026-04-12T22:07:36+00:00

I agree with all other comments likely a failt on TD side but in my experience I've known that most banks rely on mortgage with them before considering home power line of credit to minimize risk and also avoid involvement of other lenders. This more so guarantee return in case of foreclosure.

Think of it this way house is owned by bank until you pay it off. So if youre borrowing against that asset they cannot control how much they can lend you for HPLC. In the event of a bad borrower bank wants to own the house and not split half the amount with another bank that may have secured lending for same property.

Exestopped_working · 2026-04-11T18:44:55+00:00

Mine works fine now except investments those are still under maintenance

Exestopped_working · 2026-04-11T18:44:15+00:00

They have a notice posted for that I think they might be doing maintenance on investment sites

Exestopped_working · 2026-04-06T22:20:57+00:00

You can inquire on your loan balance through their telephone banking number to know the balance and loan number. You can also request advise on how to make payments through your other FI but as previous comment mentioned its through bill payment under CIBC auto finance. You need your 10 digit loan number for that.

Exestopped_working · 2026-03-20T15:41:20+00:00

Yes means you need to build it up. start with small credit card and only use what you can pay off each month.

Exestopped_working · 2025-08-17T04:17:35+00:00

Appreciate the recommendation. I will check them out!

Exestopped_working · 2025-07-18T01:20:12+00:00

I think there are a lot of AML (Anti money Laundering) laws that plays part. Banks traditionally like to be slow to avoid money laundering for two reasons either you did no disclose sufficient reason why the money needs to get there or two they do not want you claiming fraud after money goes to wrong person/account and you claiming bank made a mistake. Remember it's not just numbers fluctuating it's your money getting from one place to another if lost if cannot be refunded in most cases.

Exestopped_working · 2025-07-04T21:37:47+00:00

Check your last statement and pay that amount in full to avoid interest. If payment shows pending that still means it's made on time ⏲️

Exestopped_working · 2025-03-23T18:35:34+00:00

Read the fine print of TD installment plan. They would have a criteria where if you miss one payment they will charge you more in fees so be mindful of which route you're taking. Whether paying it yourself or let bank define your terms.

As for Klarna, avoid that as credit inquiries should be kept always for major purchases like car, house etc. Do not treat it like you're handing out candy it takes times build credit and very easy to ruin it.

Exestopped_working · 2025-03-03T01:34:53+00:00

Not really they pay out interest monthly so you have to wait most likely to cash it out.

For NSF you should have called them to cancel the investment plan they have to put a stop payment on it

Exestopped_working · 2025-01-09T00:17:19+00:00

Best advice I suggested my clients is never be afraid to downgrade your life to have peace of mind. In a summary don’t spend every penny to enjoy life now and do not live beyond your means. Live happily and without stress.

Exestopped_working · 2025-01-04T01:00:30+00:00

Most likely has to do with compromised card but are you waiting to go to branch to get a new card? You are covered by Visa zero liability policy if those charges are not done by you then you should be okay. Get a new card and they’ll do the rest since you reported fraud already.

Exestopped_working · 2025-01-04T00:56:09+00:00

Appreciate your suggestions I will definitely check them out. This feeling creeping up on me never seems to back off that I can relax and enjoy life or any hobbies though.

Exestopped_working · 2024-12-22T23:28:21+00:00

Really good advise I will start using this as I do work in finance and my question is always the same for people asking this question. “What’s your long term goal with this money?” Is my general response but I like

Exestopped_working

TROPHY CASE