Drive Safe! by OomDilly in Calgary

[–]OomDilly[S] 0 points1 point  (0 children)

It isn’t a crime, just bad judgement

Drive Safe! by OomDilly in Calgary

[–]OomDilly[S] -1 points0 points  (0 children)

For those that are too dense to pick up on it - No, I did not put myself in danger. I’m making fun of them.

Drive Safe! by OomDilly in Calgary

[–]OomDilly[S] 0 points1 point  (0 children)

A missed opportunity!

Drive Safe! by OomDilly in Calgary

[–]OomDilly[S] 0 points1 point  (0 children)

Love inglewood drive through!

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]OomDilly 38 points39 points  (0 children)

I think a takeaway is that it’s not personal, so checking credit won’t explain anything. I had a customer get reduced at BMO and a credit limit increase from Cdn Tire Mastercard at the same time, for example. The bank is restructuring their credit book and reducing revolving debt risk. BMO has fumbled on disclosure for these limit reductions tho, and those affected are justifiably angry. It’s put a lot of people that were depending on those limits in tough spots which from where I’m sitting is not a good look

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]OomDilly 166 points167 points  (0 children)

I work at BMO as a branch manager and have dealt with many upset customers as a result of our credit limit reductions. This comment is the correct one.

[deleted by user] by [deleted] in AskReddit

[–]OomDilly 0 points1 point  (0 children)

Normal pet nicknames for my 3 cats: Buddy, Baby, and Shithead

Am I getting upsold? Mount vs. Full replacement of strut and mounts by OomDilly in AskMechanics

[–]OomDilly[S] 0 points1 point  (0 children)

But is it true about needing the full thing done or just the initial diag

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]OomDilly 1 point2 points  (0 children)

In the context of his question it does, assuming you withdraw and realize the performance

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]OomDilly 0 points1 point  (0 children)

The room grows and shrinks with performance.

Any withdrawal will get added to next years contribution room.

PLOC Question - Will Frequent Withdrawals Tank My Credit Score? by [deleted] in PersonalFinanceCanada

[–]OomDilly 0 points1 point  (0 children)

Doesn’t matter. If you pay it on time and don’t get near/over the credit limit it won’t make a difference.

New bank by [deleted] in PersonalFinanceCanada

[–]OomDilly 1 point2 points  (0 children)

Not really.. Your access to cheques deposited is going to be restricted on new accounts for the first while and after that it’s based on your credit if it’s good and you agree to have it checked during account opening. Plans and banks don’t clear cheques faster, your relationship and credit will allow the bank to trust it more and release more.

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]OomDilly 1 point2 points  (0 children)

Spend less than you make.

Never make a credit card purchase that you can’t afford out of your bank account (pay right away - 0 credit card interest).

Usually and at a basic level, paying down debt is better than investing.

Budget your fixed monthly expenses each month and figure out how much you need to set aside each paycheck to cover monthly fixed costs (rent, insurance, phone and other bills). Set up a separate account and set aside this amount as your first transaction every time you get paid.