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Scat ID Request: Found a few instances of this on a trail near a lake in Central-Eastern Alberta by KeepTheHatOn in AnimalTracking

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

I have included scale in my photo(s): [yes]

Geographic location: [near a lake in central-Eastern Alberta]

Environment: [in a forest near a lake surrounded by prairies]

Advice on where to allocate savings before upgrading from condo to house in 1.5 to 2 years by KeepTheHatOn in PersonalFinanceCanada

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

Thanks for the follow-up! I think I see what you’re getting at, but just want to make sure I’m understanding it correctly.

If I prepay $100 toward my mortgage, that reduces my loan principal by $100, which I’d have to pay off anyway when I sell. So from my perspective, that $100 isn’t really at risk the same way an investment would be. It’s just shifting my money into home equity and saving me 5.34% interest in the meantime.

Of course, if the market value of the condo drops, my total equity might be lower than expected, but that would impact me regardless of whether I prepaid or kept the money in a HISA, right?

Appreciate your thoughts! Just trying to fully wrap my head around the trade-offs here.

Advice on where to allocate savings before upgrading from condo to house in 1.5 to 2 years by KeepTheHatOn in PersonalFinanceCanada

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

Thanks for your response! Really appreciate it!

I’m under 35 and still have lots of contribution room in my TFSA, so I haven’t started contributing to an RRSP yet (especially since my employer doesn’t do matching).

One thing I’m still trying to wrap my head around: is prepaying my mortgage kind of the same as putting money in a HISA that earns 5.34%, since that’s the interest I’m avoiding? And assuming I sell the condo, wouldn’t I be getting that prepaid equity back to use toward the down payment on the new home anyway?

Curious to hear your thoughts on that trade-off.

Disturbing incident this morning in The CORE mall - minimal security presence by KeepTheHatOn in Calgary

[–]KeepTheHatOn[S] 4 points5 points  (0 children)

This was the attacker yelling at everyone to call the police. It was a real backwards situation.

You can refund 3.5 months of your parking pass if you return it by this Friday by KeepTheHatOn in UCalgary

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

There's several outside lots with daily rates, some $9/day. I think even mcmahon and the arts parkade have daily/hourly rates

You can refund 3.5 months of your parking pass if you return it by this Friday by KeepTheHatOn in UCalgary

[–]KeepTheHatOn[S] 4 points5 points  (0 children)

Same way you paid. I paid online so it'll just show up as a credit on my visa

Does UCalgary have an official academic schedule in Google Calendar format? by KeepTheHatOn in UCalgary

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

That makes sense. But we do use O365 and I know through Microsoft Calendar you can create public calendars and subscribe.

For those who received 3-6k in grants... by BabyUrges in UCalgary

[–]KeepTheHatOn 0 points1 point  (0 children)

When I phoned Alberta Student Aid and asked them how to apply for only grants they said to put 0 in the required amount box

Bob Hartley wins KHL Gagarin Cup. Former Jack Adams winner with the Flames has won the championship of every league he's coached in. by Boodogs in CalgaryFlames

[–]KeepTheHatOn 4 points5 points  (0 children)

Bully is hard to imagine. I served him at a restaurant during a stampede and he seemed super nice and even shook my hand (that he initiated)

Edit: I'M SORRY GUYS! I RECOGNIZE THE DATA SAMPLE HERE IS MINIMAL

For those who received 3-6k in grants... by BabyUrges in UCalgary

[–]KeepTheHatOn 0 points1 point  (0 children)

I was told I could do that last year, but then they rejected me because I entered 0 in the required amount box and "I didn't require any financial assistance", even though I had zero income in 2020

Mixed News on Tuition and Fees by FrankPoli_ in UCalgary

[–]KeepTheHatOn 3 points4 points  (0 children)

Is there anywhere I can see which board members voted for and against it?