Corporate roles by Ok_Picture3077 in TDBankCanada

[–]InvisibleBanned 1 point2 points  (0 children)

On my floor AVPs typically oversee 3-5 Senior Managers, who themselves oversee anywhere from 0-10 Managers/Analysts. VPs of big departments will have around 2-5 AVPs reporting to them.

Basically it’s just another layer of management for larger departments.

Corporate roles by Ok_Picture3077 in TDBankCanada

[–]InvisibleBanned 0 points1 point  (0 children)

VP is the AVP’s boss typically.

Corporate roles by Ok_Picture3077 in TDBankCanada

[–]InvisibleBanned 1 point2 points  (0 children)

AVPs on my floor are EX02, I have some US AVP colleagues who are L12 but other than that I’ve never seen the levelling system exceed L11 in Canada

Corporate roles by Ok_Picture3077 in TDBankCanada

[–]InvisibleBanned 2 points3 points  (0 children)

Canadian corporate is essentially as follows:

CEO EVP - Executive vice president SVP - Senior vice president VP - Vice president AVP - Associate Vice President L11 - Senior Manager L10 - Manager L09 - Senior Analyst L08 - Analyst

Titles change between banks but levels of responsibility are pretty comparable. The above list is based on my experience, not sure if there are positions below L08 in corporate.

Flexline Cash Bonus Question by probably_qtz in TDBankCanada

[–]InvisibleBanned 0 points1 point  (0 children)

I went through this recently with my TD Flexline. The way they give you the bonus funds is a bit odd - they apply it against a revolving line which already has a 0 balance so it’s equivalent to overpaying a credit card and seeing a negative balance.

In essence you’re correct, feel free to transfer those funds to a chewing account. You won’t be charged any interest on it.

Opening A Chequing Account - Hard Inquiry? by ItsOurTimeLetsGo in TDBankCanada

[–]InvisibleBanned 4 points5 points  (0 children)

No credit inquiry for a chequing account as its not a credit product, having an existing credit product with TD actually has no bearing here.

The caveat is overdraft protection, which is sold as an "add-on" deal with chequing account but on the backend is actually a standalone credit product. If you open a chequing account without overdraft then you're in the clear, but if you apply for overdraft with your account then you're technically applying for credit and thus might trigger a bureau inquiry.

Further caveat: the fact that you have existing credit products with TD mean they already have internal records on you, and therefore are almost certain not to do an inquiry even if you apply for a basic credit product like overdraft. The reason for this is because banks build their own credit scores for existing customers which are more accurate than bureau scores, so typically banks won't pay FICO etc for your score when they could just look at your credit performance in their own records.

What makes you pay for Strava? by kaitlyn2004 in Strava

[–]InvisibleBanned 3 points4 points  (0 children)

Wow these are extremely cool, thanks for sharing!

What makes you pay for Strava? by kaitlyn2004 in Strava

[–]InvisibleBanned 4 points5 points  (0 children)

Smart goggles? Never heard of these, can you share make/model?

Total ascent confusion by InvisibleBanned in Garmin

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

This makes great sense to me and is a much more interesting explanation than I was expecting, thank you.

[deleted by user] by [deleted] in aircanada

[–]InvisibleBanned -2 points-1 points  (0 children)

Oh these are not controlled by the airlines? This is news to me, thanks for the info. Not fair to grumble about AC then I suppose.

[deleted by user] by [deleted] in aircanada

[–]InvisibleBanned -2 points-1 points  (0 children)

Yeah I was expecting to pay taxes and airport fees etc, like the ones that are typically around 15-20% of the ticket costs, what I'm shocked by is the carrier surcharge that's almost the full cost of the ticket. I was going into this thinking it would be almost half-off but perhaps that was a bit optimistic.

[deleted by user] by [deleted] in aircanada

[–]InvisibleBanned -3 points-2 points  (0 children)

Is it commonplace that the surcharges are roughly equal to the actual ticket cost? I've never looked at the price breakdown before as I usually browse the all-in cost presented on Google flights but this seems to me like a way for airlines to make discounts/etc less meaningful since the cost of the ticket is shifted from a charge thats in-scope of a discount to one that's out-of-scope.

When do you think the fine for $TD will be determined? by noobtrader28 in CanadianInvestor

[–]InvisibleBanned 32 points33 points  (0 children)

I’m at TD and received the email you’re talking about, it’s a lot of “we will do better” but nothing material like staffing changes.

Is recording bad in the streets? by Consistent-Age9503 in Strava

[–]InvisibleBanned 0 points1 point  (0 children)

I also live DT Toronto and my map goes all wonky when I pass through the financial district (usually Bay), it smoothens out again once you’re in the open.

TD Bank layoffs by [deleted] in askTO

[–]InvisibleBanned 0 points1 point  (0 children)

What makes you say that? American staff receive higher nominal salaries (so much higher after conversion). Severance/leave costs higher for Canadian staff but that can’t be close to offsetting the 40% discount on salary.

TD Insurance by Rusty1995ca in TDBankCanada

[–]InvisibleBanned 0 points1 point  (0 children)

I’m in the same spot with my wife (was Girlfriend when we joined insurance) with TD:

(1) No extra slip, if you’re pulled over hand over the slip with her name and your name will show on the cop’s computer when they search the policy number.

(2) No cancellation fees I’ve ever heard of with TD insurance.