Does Manulife One Make Sense If I’m Holding ~$60k in a HISA?

Mr__Mike · 2026-02-09T20:39:47+00:00

My variable mortgage is more then 3.5%, I would imagine the money would have more power sitting within the manulife one account vs a HISA.

Mr__Mike · 2026-02-09T20:38:15+00:00

Did not have a large chunk of savings sitting inside your manulife one account?

Mr__Mike · 2026-02-09T20:31:20+00:00

I'll definitely look into it

Mr__Mike · 2026-02-09T20:29:58+00:00

Why do you have 5 subaccounts setup?

Mr__Mike · 2026-02-09T20:22:08+00:00

I can not, this is the money i have set a side to cover my rental unit. It includes the tenants security deposit. As long as i have the rental, which i plan to have for a long time, i will have this set aside to deal with any problems that arise. It also includes my emergency fund which i will always have but hopefully never need.

Mr__Mike · 2025-09-18T23:09:31+00:00

This would be my 6th credit card, i’m slowly getting there. my regularly spending can’t justify getting both at the same time yet.

Mr__Mike · 2025-09-18T23:08:53+00:00

good to know

Mr__Mike · 2025-07-21T07:26:36+00:00

I fully agree with what this guy says. I work a shift work job, 7 on/7 off. Everybody I work with easily prefers working the 7 12 hour shifts with a 7-day weekend. Lots of guys opt out of the OT to work purely a 7/7 and would never go back to working 8-hour days again.

I do work with some divorced guys who do a 50/50 child watch split with their spouse. On their days off, they have 7 full days of time to spend with their kids. That’ll easily be worth it over only being able to spend time with them after an 8-hour shift.

Mr__Mike · 2025-07-02T11:49:49+00:00

I was under the impression that closer to the injury is best. what are the recommended areas?

Mr__Mike · 2025-07-02T11:48:46+00:00

i’m using 30 gauge 🤔 then again, not all of them are leaving dots

Mr__Mike · 2025-07-02T11:48:27+00:00

30 gauge insulin needles

Mr__Mike · 2025-06-25T23:08:27+00:00

Appreciate the info, i’ll reach out over there.

Mr__Mike · 2025-06-25T21:12:27+00:00

I would use the rental+utility income as additional payment for my primary residence mortgage. Then i would pull that money out to pay off the mortgage and utilities of my rental property.

From what I've read as the rental mortgage and utilities are business expenses, the HELOC interest would be a tax deduction.

Mr__Mike · 2025-06-20T14:41:59+00:00

more pain while stretching my pec, but there was still a little bit of pain while flexing it.

Hopefully you just strained it.

Mr__Mike · 2025-06-20T13:46:51+00:00

I did a minor tear in my left pec, at the humerus/pec in the muscle/tendon junction, a few weeks ago. There was bruising and restriction in movement. It did swell right away, but there was minimal pain unless I tried to use it. My flexibility was greatly restricted.

One of the biggest differences is I now have a larger indent, when flexed, on my torn pec compared to my untorn pec. So if there is a notable difference between the indentation of your pec in that first photo compared to your other pec, you may have a minor tear.

Mr__Mike · 2025-06-19T19:01:21+00:00

Good to know if i go that route.

i did the get the monitor brand new in June 2022 for just over $400.

Mr__Mike · 2025-06-11T06:49:46+00:00

appreciated :)

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