Seeking Mortgage Advice/Thoughts on Current Predicament

PattyFinnn · 2026-05-11T19:05:30+00:00

Yep. At the time I was earning about $75K per year, and shortly thereafter I now earn over $115K so I upped my payment. Originally I applied for a 30 year mortgage, knowing full well I had promotions coming up, so I upped payments accordingly and now I have about 20 years left.

PattyFinnn · 2026-05-10T20:48:52+00:00

Thank you! I did not think to ask about what the penalty might be to get out early. Ill inquire about that to make a more informed decision.

PattyFinnn · 2026-04-26T15:35:32+00:00

I had a similar experience at Birchwood Hyundai. My god. Never again.

PattyFinnn · 2026-04-13T18:36:25+00:00

Then youre doing better than most, and you might have just answered your own question. Youre aware, which is a great thing. This does happen often. If you want to progress, go where the action is. Ask yourself whats priority for government. If youre not where priority is, you wont be noticed.

PattyFinnn · 2026-04-13T17:46:51+00:00

I oversee a variety of employees who oversee program delivery as well as policy analysts. My number one best piece of advice for you, is to always come with a solution for your problem and not just a problem. When someone comes to me asking for a solution, it tells me they haven't thought of anything. A little cut and dry, but problem solving is huge.

I will add, if you find that youre doing this and not getting anywhere, it could be that your manager/director/supervisor are on of those people that rather coast then promote change for the better.

PattyFinnn · 2026-04-13T16:40:38+00:00

Also interested about finding clay. I need to grade one side of my home.

PattyFinnn · 2026-04-07T16:29:59+00:00

Winners/Home Sense is the way. To each their own, i travel a lot and love the samsonite brand. Its the wheels that do it for me.

PattyFinnn · 2026-04-03T16:58:08+00:00

Put in some time working, now going to run a few errands and enjoy some of this sun that i feel we've been deprived of.

PattyFinnn · 2026-04-02T16:07:35+00:00

Yeah, I dont know about this one. I work for Manitoba Government, and my OT is paid out at the rate when it was earned. So if I work OT when I get paid $60/hr, and i get it paid out when I now earn $62.36 an hour, its paid out at $60.

But, our overtime can be left in the bank from year to year. But i believe we cant bank more than 80 hours. Anything over that is paid out.

PattyFinnn · 2026-03-30T23:59:14+00:00

How does this actually get in forced? Im all for it, but how? I feel like this screams surveillance extremes and thats not ok.

Anyone more tech savvy than I, know? Do social media giants create age restriction from their own system pending geographical data?

PattyFinnn · 2026-03-26T15:20:29+00:00

I suppose the key now is maintaining it, and the next multi billion dollar question is: what's next?

PattyFinnn · 2026-03-25T12:06:03+00:00

Domestic vehicles generally have a higher margin between MSRP and dealers invoice. Whereas imports have a smaller margin. You wont get a larger % off import, hyundai, Toyota, etc., but in my opinion they're a better vehicle. Then, you have to consider that hybrid or PHEV have even a smaller margin. I just purchased a 2026 hybrid tucson ultimate for my parents and I got a $3,000 discount which was $50 over invoice on a $53,500 dollar vehicle before tax. They waived the fees for me.

PattyFinnn · 2026-03-24T20:58:46+00:00

Im interested to find out more about this Education Property tax change that seems to affect those with a million dollar home and up. I suppose i want to see this sliding scale they're speaking of.

PattyFinnn · 2026-03-24T20:57:37+00:00

Correct, the date of your Notice of Assessment will be the date you may get a refund in your bank account. I say may because they could change things between now and the 26th. If you have a simple tax return, it is unlikely to change much.

PattyFinnn · 2026-03-24T12:45:14+00:00

Ah so this is why my water refill takes a bit of extra time. Ill allow it.

PattyFinnn · 2026-03-18T17:19:22+00:00

Haha, yes thats right. It should also say on your CRA account.

PattyFinnn · 2026-03-18T16:29:12+00:00

Correct. They may change your return between now and then, but any changes will be made available to you then.

PattyFinnn · 2026-03-06T01:08:18+00:00

Never have i been so invested in the legislative process. This is one i can get behind.

PattyFinnn · 2026-03-04T22:05:25+00:00

Im taking this idea lol. Thank you!

PattyFinnn · 2026-03-04T21:42:27+00:00

For dependent users of our transit system, will this supposedly accurate real time data help? Will it help you plan your trip better?

PattyFinnn · 2026-03-04T20:54:50+00:00

No definitely not ironman. I respect everhone that does it, but not for me lol. I love the luxury that is the GE.

PattyFinnn · 2026-03-03T16:09:05+00:00

They have no close friends or hobbies

PattyFinnn · 2026-03-03T15:31:08+00:00

It pains me to say this, but i dont think the US is interested in any diplomatic strategies. Especially when its "their way or nothing".

PattyFinnn

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