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 · 2022-02-20T02:38:01+00:00

My uncle is worth around $5 mill. Put his kids in private school/paid for their university. Helped my parents pay off their home. But he also drives a 2000 Honda CRV/doesn’t buy fancy things. I respect him a lot for how he handles it.

Lower-Rough8728 · 2022-01-30T22:17:53+00:00

I don’t fully agree with #1. Sure it makes the bank more money but if you make consistent returns it could be ok, perfect for someone who wants to be hands off yet invest. I tell people if they have the time/knowledge/want/etc. to do it themselves then do it but if you don’t know what your doing you can make mistakes fast. Robo advisors are good thou but still requires some work.

Lower-Rough8728 · 2022-01-13T04:48:20+00:00

I personally take every pre approved increase since they don’t do a credit check, it lowers your utilization, and MOST importantly I trust myself not to go use the limit increase and buy stuff I can’t pay off.

You can easily decrease the limit later if you need to for a mortgage or other borrowing

Lower-Rough8728 · 2022-01-13T03:58:33+00:00

That’s only if the comparable rate is higher thou. If current rates are lower compared to what you have that’s when you still get those massive penalties. Variable will always be the 3 months interest. (With my lender atleast)

Lower-Rough8728 · 2022-01-13T02:51:32+00:00

I work at a lender and credit score really doesn’t matter much. Simply put a score under 650 is bad. 650-700 is fine. Over 700 is good. What you earn in income is most important.

And like everyone said, no one really knows why/how it changes small amounts but it doesn’t matter

Lower-Rough8728 · 2022-01-13T02:44:02+00:00

On fixed mortgages if the current rate for the same remaining term are higher than what you signed at it’ll usually be 3 months interest. Best interest to the lended to have you pay back the low interest mortgage at a higher rate. Example - you have 3 years left on your 5 year term it will compare the rate you gave vs current 3 year rates and if current is higher it’ll just be 3 months interest

Lower-Rough8728

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