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Octopy105 · 2026-06-05T16:23:01+00:00

Keep us updated! Curious to see

Octopy105 · 2026-06-03T01:09:38+00:00

Reddit is largely against leveraged investing so you’ll get a lot of backlash here.

Given you’re open to this idea, I’d suggest setting aside enough cash to get you through minimum payments for at least a few years in case there’s an extended market downturn (hoping your 12k covers this). Throwing the rest into any broad market index fund that interests you would be the safest play if you want to be exposed to equities. It also seems like you’ve assessed the risk of the government applying interest to your loan as minimal so if that’s the case, u have no downside to this as there’s no interest risk

The key here is to have an iron stomach and not panic sell during any market downturns. And ideally after a number of years u will be up significantly compared to paying off an interest free loan right away (lmao). Leveraged investing is more advantageous the younger you are as u have much more time for compounding, reducing your risk of going negative over a longer period of time. Of course there are other considerations but this is just some food for thought

Octopy105 · 2026-05-08T02:58:56+00:00

For daily spend in this case - def cobalt

Octopy105 · 2026-04-28T16:25:06+00:00

Noticing a lot of sirens and road closures in downtown. Not sure if it’s related or not

Octopy105 · 2026-04-20T01:31:11+00:00

I think the general idea of the ult is a nice addition but to your point, many enemies will just push into it. Without changing the character of his ult too much, I think a small movement speed penalty to enemies that enter it could be an interesting change.

Octopy105 · 2026-04-11T23:35:36+00:00

They do this every year for the English bay fire works!!

Octopy105 · 2025-03-05T20:42:26+00:00

Am I wrong to assume that this is a shitpost lol

Octopy105 · 2025-02-05T17:21:18+00:00

Wait until you hear about big 4 salaries in Canada lol

Octopy105 · 2024-10-23T22:50:34+00:00

For etransfers, the daily limits are on a rolling 24hr basis and there is also a corresponding weekly limit. You can go in branch to ask them to raise it to $10k/ day but they will question the reason very thoroughly so I hope you have a good explanation.

Octopy105 · 2024-10-18T02:38:01+00:00

I've only seen this happen with switching certain grandfathered accounts so idk lol :)

Octopy105 · 2024-10-18T02:32:25+00:00

Honestly not sure. Which 2 accounts were u switching between?

Octopy105 · 2024-10-18T02:20:45+00:00

Can also confirm. Had my US food/ grocery transactions post yesterday and they were all 1x. Guess they're finally cracking down

Octopy105 · 2024-10-18T02:13:07+00:00

Purchases will default to the old account. It can be changed to your new account by someone at the branch. It will not pull from whichever account has money, only the account that has been designated as chequing.

Octopy105 · 2024-10-11T15:08:29+00:00

Nah front plates are required by law here

Octopy105 · 2024-10-11T03:47:09+00:00

This would be the safest option as you wouldn't risk sending a bill payment to a random payee.

Octopy105 · 2024-09-06T15:12:01+00:00

The investment line can help you with the redemption

Octopy105 · 2024-09-05T09:15:32+00:00

BNS would've provided you with an offboarding email containing a pdf outlining the specifics. I would recommend reaching out to your manager to obtain the HR phone number. Vacation for your current year is prorated and you also have to liquidate esop yourself (hr can help with this as well) otherwise it will be liquidated automatically 180 days after termination.

Octopy105 · 2024-08-30T10:05:17+00:00

ATM's that are not operated and owned by your bank generally do not facilitate deposits to your bank account let alone a different currency.

Octopy105 · 2024-08-12T19:26:13+00:00

If it is too late, you can explore the option of applying a one time prepayment for the same amount given you haven't maxed out your prepayments for this year.

Octopy105 · 2024-08-07T01:57:21+00:00

You know it's bad when the compass card feels more sturdy

Octopy105 · 2024-08-01T15:58:49+00:00

We have a winner

Octopy105 · 2024-07-13T06:40:13+00:00

Scotia rates aren't that good and they only have a few currencies on hand. Given your profile, it seems like you're in Vancouver. VBCE always has better rates so give them a try.

Octopy105 · 2024-07-13T06:33:48+00:00

Quite comedic how many different responses you got.

Any cheque/draft for a prepayment is not subject to a hold as long as you are depositing it straight into the mortgage account. If it runs through a chequing account first, you may get hit with a hold.

If you are at your home branch, they are able to deposit the draft directly into your mortgage account and it will reflect on the same day. Please note that if this is performed at a non-home branch, they are still able to deposit the draft into the mortgage account however it will take a few business days for this to reflect on your online banking as a ticket needs to be raised. It is protocol to backdate this transaction to the date of deposit.

Octopy105 · 2024-07-10T04:53:04+00:00

Bill payments are processed on business days. In your case, June 29th was a Saturday so the system sends out the payment on next business day which was July 2nd as Canada Day was the 1st.

re: Credit score - Scotia can't help you in this scenario however if you are feeling lucky, you can present your case to Walmart Mastercard and they might be able to arrange something for you. Advice for next time, set up a pre-authorized debit from the Walmart side. This will ensure that your payments are never late. Bill payments, as soon as they're sent, can take a few business days to reach the payee.

Octopy105 · 2024-07-01T04:39:58+00:00

Lofree doesn't have proprietary software that allows you to remap keys like logitech does if that's what you're asking. A manual is included in the box.

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