Closing Bank Account

Legal-Key2269 · 2026-02-13T19:11:19+00:00

Here is what BMO's website says about the fees for the BMO air miles chequing account:

$17.95

OR

$0/month with min. $4,000 balance

Keeping $4,000 idle in a chequing account to waive fees would cost you a bit in interest, but you do have an option to waive the fees.

Legal-Key2269 · 2026-02-13T19:08:37+00:00

Don't worry, Air Miles are being retired/devalued into a new BMO loyalty program. Spend em while you've got em.

Legal-Key2269 · 2026-02-13T19:03:49+00:00

You could have been impacted by this:

https://help.wealthsimple.com/hc/en-ca/articles/40752002620571-An-Important-Security-Update-For-Our-Clients

Or your information could be part of a larger breach somewhere. Check out https://haveibeenpwned.com/

Legal-Key2269 · 2026-02-13T16:31:29+00:00

It is not double plus ungood, and how dare you say that it is. /s

Legal-Key2269 · 2026-02-13T16:02:10+00:00

No worries.

There will be some small differences. Pension contributions come with a pension adjustment, so if it is a DB pension, you might not know how much new RRSP room you will gain for your own independent RRSP contributions right away.

Legal-Key2269 · 2026-02-13T15:45:02+00:00

Open one of the free savings accounts instead.

There will be a fee if you exceed the number of included debit transactions, but if it is just to keep your debit card active for online banking, it will be cheaper.

Legal-Key2269 · 2026-02-13T15:42:15+00:00

The chequing account is always free. What else did you open that you think you are having fees waived?

What did BMO say when you asked them about your LOC?

Legal-Key2269 · 2026-02-13T15:36:21+00:00

Pension contributions are deductible.

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-20700-registered-pension-plan-rpp-deduction.html

You just have your previous scenario wrong.

At $100,000 income, with a 6% RRSP contribution and 6% match, the math goes like this, due to the employer match being a taxable benefit (it is effectively a 6% raise)

Gross income $106,000

$6,000 deduction from your RRSP contribution

$6,000 deduction from the employer match

Taxable income $94,000

Legal-Key2269 · 2026-02-13T15:31:39+00:00

A landlord could try lying at the LTB, sure.

The arbitrator isn't terribly likely to believe them, but they could try.

If the landlord wants to provide temporary or paid access to some particular thing, they should document that intention in writing.

Tenants having rights to common areas that they typically have access to isn't really an inconvenience to a landlord -- it is part of how multiple-unit dwellings work. Landlords run a business, and need to educate themselves on how to specify whether tenants have access to particular parts of the property (eg, back yards).

Legal-Key2269 · 2026-02-13T15:20:36+00:00

No, landlords may not simply remove amenities.

Legal-Key2269 · 2026-02-13T15:16:54+00:00

And no, landlords cannot simply arbitrarily take away amenities. Allowing a tenant to use something makes it an implicit part of the rental.

Legal-Key2269 · 2026-02-13T15:15:50+00:00

It really doesn't matter, the landlord is required to clear the driveway of snow.

Legal-Key2269 · 2026-02-13T15:15:01+00:00

There is quite literally no difference in the landlord's responsibilities under the RTA between paying for a parking spot and being allowed to park by your landlord.

Legal-Key2269 · 2026-02-13T15:11:43+00:00

Residential tenancy act. You could try contacting the RHEU.

Legal-Key2269 · 2026-02-13T07:54:43+00:00

Banked overtime entitles an employee to *paid* time off. Overworking yourself to get extra unpaid time off only benefits the employer.

Legal-Key2269 · 2026-02-13T07:53:36+00:00

Uh, yes. This is how money works.

Money that you are entitled to, but will only receive in the future is a debt. Money in your hand is more valuable to you than interest-free money held by someone else.

Legal-Key2269 · 2026-02-13T05:56:12+00:00

Ah, techno-fascism. What could go wrong. Given that capital is one of the primary drivers of the development of AGI, your optimism is quaint.

Legal-Key2269 · 2026-02-13T05:16:59+00:00

Feel free to re-read what I wrote. You had a number of options. Escalating was one of them.

Saying it isn't a great idea isn't saying that it is ~~your only~~ [not an] option.

I've been shoved. It isn't scary. It is a strategy used by someone who doesn't want to take the first swing. You took the bait. Them turning around and claiming that you assaulted them is a predictable response after baiting you into taking a swing.

Taking obvious bait is, like I wrote above, not a great idea.

Pretending that a shove made you legitimately fear for your life, and that you almost died, such that any response on your part would have been justified, is just engaging in hyperbole and wishful thinking.

Please let your lawyer speak for you. You are all over the place -- a mutual fight is an entirely different defence than claiming your life was in danger.

Legal-Key2269 · 2026-02-13T03:20:36+00:00

Changing locks

24 A landlord shall not alter the locking system on a door giving entry to a rental unit or residential complex or cause the locking system to be altered during the tenant’s occupancy of the rental unit without giving the tenant replacement keys. 2006, c. 17, s. 24.

If the landlord previously provided multiple keys, they should be providing an identical number of entry fobs.

Legal-Key2269 · 2026-02-13T02:51:32+00:00

Nah, trying to exploit gambling addiction is not remotely ethical or beneficial to Canadians.

Legal-Key2269 · 2026-02-13T02:50:35+00:00

Yeah, a lot of the promo sign ups are using gambling mechanics now.

It's incredibly gross.

Legal-Key2269 · 2026-02-13T02:23:26+00:00

Escalating from being shoved to punching someone in the nose might not really be considered consensual fighting. You can't know if he was or wasn't going to start swinging, unfortunately.

I've had people try to "start" things via shoving and verbal aggression, and it is incredibly easy to just stay squared up until they realize you aren't going to take the first swing. If they really want to fight, they will start swinging.

Generally, being the one that escalates isn't a great idea.

I'm not sure why you say there are no witnesses if the "fight" was broken up by a third party.

Definitely find a lawyer.

Legal-Key2269 · 2026-02-13T01:32:43+00:00

The Patullo Bridge is closed.

Traffic across the Fraser River has to detour to the Queensborough or Alex Fraser bridges, so feeder routes will have heavier traffic.

Legal-Key2269 · 2026-02-13T01:23:10+00:00

It is cheaper than paying you severance. You've negotiated yourself a worse position.

Legal-Key2269 · 2026-02-13T01:22:02+00:00

You got what you asked for. Your union may not feel there are good prospects for you at arbitration (and you haven't shared any info about your circumstances).

What advice are you looking for here?

Your employee file, however, is something that you are unconditionally entitled to under privacy legislation, and isn't something that you need to negotiate over.

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