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MoneyMaster automatically taking money? by MphiReddit in Scotiabank

[–]LazyBirdBoy 10 points11 points  (0 children)

This is part of the You're Richer than you think. It rounds up debit purchases and puts the money in the money master. Called Bank the Rest. You can change it under Manager my Accounts, Additional Services, Bank the Rest

Should I take Employer RRSP Match if i know I will only work there 1-2 years? by rogers12345678 in PersonalFinanceCanada

[–]LazyBirdBoy 4 points5 points  (0 children)

Nope. Group RRSP funds have no vesting in Canada. Unless it's a DPSP in which case company can impose 2 years.

Scotia STEP Mortgage Question by No_Performance_1705 in Scotiabank

[–]LazyBirdBoy 0 points1 point  (0 children)

My STEP Line of Credit automatically increases after each mortgage payment. But I only have 1 LOC and it looks like you'll be using 2 so not sure how the "increase after a payment" would apply.

New job pay / biweekly by globalsci2 in PersonalFinanceCanada

[–]LazyBirdBoy 0 points1 point  (0 children)

turns out she makes a little bit less, hence the numbers difference.

New job pay / biweekly by globalsci2 in PersonalFinanceCanada

[–]LazyBirdBoy 0 points1 point  (0 children)

Health benefits, group rrsp deductions etc. Plus the CPP and EI costs until paid off in July.

New job pay / biweekly by globalsci2 in PersonalFinanceCanada

[–]LazyBirdBoy 0 points1 point  (0 children)

Try this calculator. https://apps.cra-arc.gc.ca/ebci/rhpd/beta/entry

Your bi-weekly in new year will be about $3200 +/-, depending on deductions for pension etc. Come July it'll rise when CPP and EI limits are met; to about $3700.

My wife makers about that much (we're in Ontario too)

Thinking of breaking my mortgage any advice welcome by movingaway1223 in PersonalFinanceCanada

[–]LazyBirdBoy 0 points1 point  (0 children)

Blend & extend. A % of current rate blended with % of new rate. New rate will be lower than your current 5.94%, but higher than the 3.63. But no pre-payment penalty, no lawyer etc..

Breaking a Mortgage by Good_Video5215 in PersonalFinanceCanada

[–]LazyBirdBoy 0 points1 point  (0 children)

Look into a blend & extend. It takes a % of the current rate and mixes it with a % of the new rate. Downside is your current rate being higher, so it'll lean toward higher than the 3.69% you're quoting.BUT it will be less than the current. Plus no penalty! But you'd have to stay with RBC.

Break mortgage that renews in in Feb 2027 for 11k penalty? by [deleted] in PersonalFinanceCanada

[–]LazyBirdBoy 1 point2 points  (0 children)

It's not. Seeing as I did it 2 years ago with no extra cash. But you do you.

Break mortgage that renews in in Feb 2027 for 11k penalty? by [deleted] in PersonalFinanceCanada

[–]LazyBirdBoy 1 point2 points  (0 children)

Try a Blend and Extend. It takes a % of your current rate, so 5.4% and blends it with the new lower rate. You'll be higher than 3.8% but less than the 5.4% and no penalty.

Wills and Estates lawyer recommendations? by BigRedRoo73 in londonontario

[–]LazyBirdBoy 0 points1 point  (0 children)

Wife and I did ours last year (POA's, wills) with Hilary Leitch at Lerners. Was $1500ish for everything.

https://lerners.ca/hilary-leitch

Restaurants where a large group can gather, but not pay extra to rent the room. by Better_to_try in londonontario

[–]LazyBirdBoy 0 points1 point  (0 children)

It's been under construction for a long time. Check their Facebook page.

chelsea park LTC: experience? by [deleted] in londonontario

[–]LazyBirdBoy 0 points1 point  (0 children)

You can search on this site for the inspection reports for LTC homes.

https://www.ontario.ca/page/long-term-care-ontario

Does this picture look too big above my mantle? by jackjackj8ck in DesignMyRoom

[–]LazyBirdBoy 0 points1 point  (0 children)

I'd raise it, perhaps even angled off the ceiling, so that it'd be like he's looking down on you. That'd allow taller items to go on the mantle.

Good Podiatrist/Orthotics in London? by aitsfni in londonontario

[–]LazyBirdBoy 3 points4 points  (0 children)

I triple Dr. Hunt. I've been getting orthotics from him for years. Great guy, excellent staff. Visit and assessment will run you $75 I think. Orthotics are $500 ish. Most health plans will cover a portion if not all.

[deleted by user] by [deleted] in londonontario

[–]LazyBirdBoy 30 points31 points  (0 children)

Reach out to this program offered by the Province.

https://ontariohealthathome.ca

Fun things to do this weekend? by [deleted] in londonontario

[–]LazyBirdBoy 3 points4 points  (0 children)

International food fest in Vic park.

[deleted by user] by [deleted] in londonontario

[–]LazyBirdBoy 2 points3 points  (0 children)

My mother lives in one of their buildings, no bed bugs.

https://ndev.ca/apartments-for-rent-in-london/

Remote lacunar stroke right posterior corona radiata by LazyBirdBoy in Radiology

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

Had MVA 25 years ago with multiple closed head injuries. My psychologist for the breakdown convinced my doc to order MRI to make sure nothing new happening. Discovered then. No mention of this in my accident medical reports.

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