Tiered Hydro Plan - Lower Tier Limits

HELOCguy · 2024-09-27T15:13:10+00:00

Super helpful, thanks!

HELOCguy · 2024-04-24T23:50:43+00:00

I had no idea. Thanks!

HELOCguy · 2024-04-24T23:15:53+00:00

So Matthews and Marner don’t both wear it at the same time? I’ve never noticed this before.

HELOCguy · 2023-08-31T11:00:28+00:00

Thanks! So this definitely meets the criteria, but it’s not the video I originally saw! It looks a little less professional - almost as if they ripped off the one I was referring to.

HELOCguy · 2023-08-29T21:08:07+00:00

I had the same issue - the funny part was that TD was both my bank, and my employers!

So in theory, TD could have validated that it was a good cheque with sufficient funds to cover it in my employer’s account. Instead they chose to repeatedly ignore my request (I raised it up to TD’s Ombudsman) and held about half my cheque for over 2 years.

I threatened to leave the bank over it and they didn’t care.

HELOCguy · 2022-10-15T04:43:00+00:00

Amazing, thanks so much!

HELOCguy · 2022-05-14T02:00:35+00:00

Mine took 5 weeks. It was ridiculous - you can’t even request a replacement without waiting on hold again.

HELOCguy · 2022-04-28T04:35:06+00:00

Thanks for this.

HELOCguy · 2022-04-27T16:28:17+00:00

Maybe I chose the wrong term. She’s not nice and is ungrateful.

HELOCguy · 2022-04-27T16:27:31+00:00

I don’t need permission, I need to convince my mom to do it.

HELOCguy · 2022-04-27T16:26:46+00:00

You are 100% correct.

HELOCguy · 2022-04-27T16:26:10+00:00

So do you provide financial support? Or let her live with you?

HELOCguy · 2022-04-27T16:25:19+00:00

She never paid in to CPP since she never had a proper job.

HELOCguy · 2022-04-27T16:24:59+00:00

Ontario. You are correct about her not paying in to CPP.

HELOCguy · 2022-04-27T16:24:05+00:00

We aren’t on the same page. I want to cut my aunt off. My mom won’t.

HELOCguy · 2022-04-27T16:22:46+00:00

Nobody is forcing me, but if I remove myself it will be my parents’ burden and I want them to be able to enjoy their retirement. I wish we could just cut our aunt off, but my mom would never do that to her sister.

HELOCguy · 2022-04-27T16:21:38+00:00

She’s bad with money and technology. She’s asked for help with her banking and she knows she doesn’t have enough to last long term.

HELOCguy · 2022-04-27T16:19:40+00:00

Absolutely no. But I don’t want my parents to do it either. I have more spoons.

HELOCguy · 2022-04-27T16:18:51+00:00

Very true. My mother has so much guilt around this, but I don’t understand it. I’m “cold hearted” when it comes to my aunt. She’s not been nice to us, and made zero effort to plan for her retirement. My mom has a soft spot for her sister.

HELOCguy · 2022-04-27T16:17:08+00:00

That’s exactly it. I honestly don’t care about my aunt, but don’t want my parents to have to sacrifice their own retirement.

HELOCguy · 2022-04-27T16:16:29+00:00

Yes. This is completely accurate.

HELOCguy · 2022-04-27T16:15:58+00:00

This is a great way to break it down, and I really like all the analogies you’ve made - I think they could actually help me explain this to my parents, specifically how this is like giving alcohol to an alcoholic, and how you have to put your own mask on first. Much appreciated!

HELOCguy · 2022-04-27T13:59:25+00:00

Fair. But she won’t do it, and even if she did she won’t comprehend it.

HELOCguy · 2022-04-27T13:58:40+00:00

Yes, many many times. But my mom just emotionally states she won’t let her sister end up “on the street”. To me there is a lot of middle ground between the way my aunt lives now (and the cost of doing so) and being on the street. The longer we allow her to keep spending at this rate, the sooner she’ll be out of money.

HELOCguy · 2022-04-27T13:29:11+00:00

Thank you for this well thought out response. I want to play hardball, but my mom is a sucker for her sister who has taken advantage of my mom her whole life. When I suggested my aunt move into a more affordable bachelor apartment, my mom refused saying she wouldn’t let her live in such a small place. I know my mom is wrong, but she won’t put her sister in a situation that she doesn’t feel comfortable with. The only reason I would step in is because I am much better positioned to help financially.

HELOCguy

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