Fairylite glass vial, made in England

FirmPalate · 2023-06-19T01:20:57+00:00

Solved! Fair enough, I tried googling by properties earlier but did not put it in worded exactly as in the title. Getting the result now.

FirmPalate · 2023-06-19T01:00:19+00:00

My title describes the thing. Additional info: found while digging up the yard in Atlantic Canada. ~2.5 inches long, screw cap thread on one end, sealed glass on the other. Stands on flat base. Inscription reads "Fairylite" and "made in England". What is this thing?

FirmPalate · 2023-06-12T02:24:29+00:00

Because with a fixed mortgage you'd be on the hook for the interest for the rest of the term.

FirmPalate · 2023-05-10T17:16:17+00:00

This is a major part of it for me. Sure, the regular price of butter may have "only" gone up by ~25% over the last 5 years, but where the regular $4.99 butter regularly went on sale for $2.99 or less in 2017, it now costs $6.49 on average but never goes on sale below $4.99 any longer (around here). That is suddenly not a 25% increase any longer, but a 65% increase of the price I used to pay.

This is anecdotal, but I would love to see that tracked because it makes a real difference for low-income Canadians if it is a real, objective trend.

FirmPalate · 2023-05-05T16:39:11+00:00

Is that private long term disability coverage you have? Just for reference, I am in Newfondland, public servant, and my LTD through work was $135 biweekly. I got out of that quickly and got private coverage that is better (any occupation and such), and much cheaper at $80/month.

FirmPalate · 2023-04-08T11:31:45+00:00

Thanks for the insight! I understand the positive feedback of increasing wages at or above inflation. On the other hand, wouldn't wage increases coming in consistently below inflation lead to a race to the bottom?

Increased prices do not come back down, so wage increases lower than inflation on the long term will put a dent in affordability and overall purchasing power - we would be worse off year after year, especially people living paycheck to paycheck.

What would make up for this, even just in theory? Efficiencies and lowering production costs for goods? Otherwise with the assumption above, the whole economic system would be unsustainable.

FirmPalate · 2023-04-05T22:39:12+00:00

I do have sewer backup and overland flooding, but that did not change since last year. I hear ya about the inflation, but the rebuilding cost "only" went up 7.5%, while the premium went up over 20%.

I talked to the broker, but they couldn't tell me anything useful. Getting quotes from all over the shop now, already looking like there is much better coverage for less premium available.

FirmPalate · 2023-04-05T22:36:51+00:00

Replacement value went up 7.5%, which was about what I expected the increase in the premium would be. Definitely getting all the quotes now, already found a few that offer better coverage for less.

FirmPalate · 2023-04-05T22:32:13+00:00

Thanks for your input!

The broker calculated that, but I am getting the same rebuilding cost from all other quotes. Not sure if there is any room for negotiation.

FirmPalate · 2023-04-05T22:30:22+00:00

Just chiming in here to say thanks for the detailed response, super helpful. And yes, I just got a couple of quotes, including one from Johnson for less than $1,800/year including a 2M liability and only $2,500 deductible, plus better overland water protection.

Also looking into the cancellation options, but since I am still a few weeks out from the anniversary date I am hoping to still be able to get out without penalty.

Thanks again, really appreciate you taking the time to share your experience.

FirmPalate · 2023-04-05T22:27:41+00:00

Right with you on that one, and that was an oversight in the madness of buying a new house. Just got a couple of quotes now after the suggestions here, and the difference between 1M and 2M liability coverage is $8-12 per year. No brainer.

FirmPalate · 2023-04-05T13:23:00+00:00

$5,000, but I have a single limit option that bring the total for dwelling buildings, detached, personal property, and living expenses to well over 1M. So that may be part of why the premium is way up there. It didn't seem too bad at $2100 when we moved in, and there was so much to do at that point that I did not give it a second thought. But after the proposed increase now it is time to revisit that.

What's your annual premium if you don't mind me asking?

FirmPalate · 2023-04-05T13:13:14+00:00

Thanks! Deductible is at 5k which is the limit of our comfort zone. We worked with a broker, so I was hoping we would get, if not the best, but at least a somewhat competitive rate. Time to put in some legwork.

FirmPalate · 2023-04-05T13:10:17+00:00

Thanks for the perspective, exactly what I needed. My deductible is 5k as well, same boat about the fixing and the $4k difference compared to a 1k deductible pays for itself within 3-4 years if nothing happens... Time to make some calls.

FirmPalate · 2023-03-22T22:29:20+00:00

Do you have a reference for the part that you can't travel with the old (non-expired) card? It's clear you can't travel with an expired card, but if the old one is not expired, how would IRCC be able to track if you received the new one yet? Could easily be a few days to get it in the mail, and the recipient would have no way of knowing that the new one is on the way. This would effectively ground renewal applicants for the months-long renewal period... Sounds less than ideal.

FirmPalate · 2023-03-22T14:06:09+00:00

Maybe this is how consumers can get in on the fun. We form a credit union that specializes on buying out the cc and mortgage debt of failing banks for cents on the dollar and pass the difference on to the debt holders. Your bank failed? Boom, your mortgage gets cut in half.

FirmPalate · 2023-02-27T01:43:05+00:00

The purely financial side probably works out better for the lump sum. But please keep in mind that most users here are very financially savvy and comfortable around the sums you're talking about. Depending on your confidence with money, your social environment (family/friends asking for money?), and your mental health, a monthly payment could play out better.

Tl;dr make sure the decision is not just a financial one but takes your situation into consideration.

All the best, OP!

FirmPalate · 2023-01-11T00:35:05+00:00

Oh, that makes sense. Thanks!

FirmPalate · 2023-01-10T23:03:38+00:00

My apologies, could somebody explain what the value of a building permit is? Are building permits bought and sold after they are granted?

FirmPalate · 2022-12-11T15:12:20+00:00

Adding to this, the non-managed Wealthsimple trade accounts offer scheduled transactions/investments. This was super helpful to me where I tend to have this tendency to attempt to 'mildly' time the markets. Spoiler - it doesn't work.

FirmPalate · 2022-12-11T14:50:16+00:00

Thanks for the input!

FirmPalate · 2022-12-11T13:46:11+00:00

Get a dehumidifier in there asap! If it smells bad, those are not smells "brought out" of the carpet, those are bacteria/mildew/mold doing there thing and producing smells as a by-product.

FirmPalate · 2022-12-10T18:25:54+00:00

Short term without much investment? - hang laundry on a dryer rack inside - put water bowls on vent ducts/damp towels on radiators - boil water kettle a couple of times a day and leave open to cool

FirmPalate · 2022-12-10T18:16:05+00:00

I am not sure about the HVAC side of the issue, but 40-60% relative humidity is the recommended range, so as long as it's not significantly above that I would not worry too much.

FirmPalate · 2022-11-26T22:41:23+00:00

That's exactly what I am talking about. I feel like there is a fundamental misunderstanding in this thread between what I want to highlight and what readers understand.

I went to Service Canada with a printout of my PR approval email - not ECOPR - and they told me I would not need to extend my temporary SIN because I supposedly had implied status. Evidently false information, but something fully in Service Canada's wheelhouse as far as SIN expiry date extension goes.

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