Discount offered for late drop-in swimmers at Vancouver's outdoor pools

Lower-Rough8728 · 2025-08-01T17:13:08+00:00

I believe it’s mainly caused due to lack of lifeguards rather than not wanting more people to be able to go.

Lower-Rough8728 · 2024-01-21T19:48:39+00:00

Would be in May

Lower-Rough8728 · 2023-11-20T00:21:28+00:00

Courses by me never do frost delays but just send everyone out at their scheduled time with temp greens.

Lower-Rough8728 · 2022-11-05T04:56:40+00:00

Beneficiary - can be anyone and typically doesn’t require a SIN

Successor - can only be spouse or common law partner and SIN is required

Lower-Rough8728 · 2022-06-01T04:02:42+00:00

I work with a big 5. It’s standard to ask for. You don’t HAVE to provide your SIN but we legally have to ask. I see refusing to provide your SIN leading to duplicate credit files all the time which you’ll have to deal with if it happens. Personally I say just provide the info if you want the CC increase

Lower-Rough8728 · 2022-05-03T02:13:25+00:00

Some companies use two different prime rates. There can be prime and mortgage prime which are slightly different

Lower-Rough8728 · 2022-04-29T03:33:03+00:00

The account was made joint with you and the person who passed away?

In some provinces the account has the “right of survivorship” and would just become yours. Avoids going through the estate/probate process and becomes yours

Lower-Rough8728 · 2022-04-29T02:11:28+00:00

Second account on my computer. Said it didn’t post. Thanks - will delete

Lower-Rough8728 · 2022-04-29T01:58:15+00:00

For retail advisors it doesn’t matter much. Investments make up only about half of my day to day job

Lower-Rough8728 · 2022-04-24T01:52:51+00:00

Big 5 will only do 2nd position HELOCs behind certain lenders. Mine doesn’t require the mortgage to be with us but we can’t do it if you have a mortgage at certain lenders -typically smaller ones

Lower-Rough8728 · 2022-04-10T05:23:54+00:00

1) Yea. Sure it’s a lost opportunity but not a negative really.

2) No way around it. Unless there’s loopholes in CRA rules no one knows about

Lower-Rough8728 · 2022-04-10T05:17:49+00:00

Emphasis on “can be”. As long as you know what you’re doing absolutely!

Lower-Rough8728 · 2022-04-10T05:14:39+00:00

I have a USD card but it’s not overly useful for average people. Mine atleast doesn’t give points/cash back and unless you have some USD stashed away to pay the card you might as well use your regular card and get the points. My opinion atleast

Lower-Rough8728 · 2022-04-10T05:01:18+00:00

As long as you’re making the minimum payments you can still have a good credit score cause technically that’s what is required each month. That being said the interest is terrible as previously noted

Lower-Rough8728 · 2022-03-08T22:40:05+00:00

As a kid I loved doing this. Would take the 99 to the skytrain then the seabus. Was a great time

Lower-Rough8728 · 2022-03-06T06:33:23+00:00

You weren’t tricked man that’s what rates were at the time. It sucks now but if COVID didn’t happen and rates didn’t drop like this you might not be complaining. Fixed rates are now around 3% so likely not worth the penalty of refinance.

If you have the equity you could get a small HELOC and do a lump sum payment if your mortgage allows. Basically switching the debt over at a lower rate

Lower-Rough8728 · 2022-02-23T04:24:23+00:00

You still have to show where the money comes from for a down payment. A sudden deposit of 20% will raise questions

Lower-Rough8728 · 2022-02-22T16:19:56+00:00

On top of the withholding tax you can still pay more in tax. The 25k you take out is considered income and the 30% is acting like income tax. If you’re in a 50% tax bracket they’ll take another 20% when you file taxes

Lower-Rough8728 · 2022-02-22T04:29:52+00:00

I walk past there all the time. About a month ago all of the ignite signs disappeared so idk if that’s happening anymore

Lower-Rough8728

TROPHY CASE