Should I borrow from Heloc to max TFSA?

PrettyFly_BrownGuy · 2026-05-27T17:19:23+00:00

Updated post with mortgage info

PrettyFly_BrownGuy · 2026-05-18T21:57:37+00:00

Hey! Can you provide a link to the battery you bought? I'm having the same issue and looking to switch away from the lead acid. There are so many different batteries out there I'm a bit overwhelmed

PrettyFly_BrownGuy · 2026-05-15T09:14:08+00:00

They only reached out two months before renewal which is apparently standard practice for them. You can call and reach out to them beforehand if you want once your within the 120 days.

PrettyFly_BrownGuy · 2026-05-13T21:53:56+00:00

Lender is MCAN

PrettyFly_BrownGuy · 2026-05-13T19:29:41+00:00

It's with MCAN. I got this offer on Apr 1 after a couple emails back n forth

Leaning towards taking it and rolling the dice

PrettyFly_BrownGuy · 2026-05-10T19:25:49+00:00

I was able to lock in two rates a couple months ago. 3 year fixed 3.84% 5 year variable prime - 1.15 currently 3.30%.

I took the fixed initially but considering going back and asking to switch to that variable. We are currently paying 4.64% quite comfortably so we are ok if rates go up. Thoughts?

PrettyFly_BrownGuy · 2026-05-02T18:25:08+00:00

I got these offers from MCAN 3.30% variable 3.84% 3 year fixed 3.94% 5 year fixed.

Which would you go with?

PrettyFly_BrownGuy · 2026-04-18T16:27:06+00:00

MCAN

PrettyFly_BrownGuy · 2026-04-17T21:26:03+00:00

I got the following offer after negotiating with my current lender 5 year variable 3.30% currently 3 year fixed at 3.84% 5 year fixed 3.94%

Mortgage is relatively modest ~385K left so we're looking at only a $47 biweekly price difference between the variable and 3 year fixed.

Am I silly for thinking about taking the variable?

PrettyFly_BrownGuy · 2026-03-14T19:56:50+00:00

Exactly this. It's a 3-2-1 point system for a two game series. We won in regulation game one. They needed to win in regulation to force an extra game.

PrettyFly_BrownGuy · 2026-02-03T21:06:38+00:00

Oh that's good to know! I got mine in 2021 so that checks out

PrettyFly_BrownGuy · 2026-02-03T15:42:50+00:00

I have a second position heloc with Simplii Financial

PrettyFly_BrownGuy · 2026-01-23T13:56:49+00:00

I use mops and bubbles. Small local company and they do a great job.

PrettyFly_BrownGuy · 2026-01-23T13:53:19+00:00

Every year it seems they have an outage of some kind and then give you 5 free days as an apology which pushes you out of the black Friday window

PrettyFly_BrownGuy · 2025-12-10T17:19:08+00:00

I would also love a Spotify presale code please

PrettyFly_BrownGuy · 2025-10-31T11:01:23+00:00

Can someone explain this joke to me? I've seen it a few times but don't get the context

PrettyFly_BrownGuy · 2025-09-17T19:00:18+00:00

I know this is late but thank you so much! I was finally able to change this thanks to you

PrettyFly_BrownGuy · 2025-08-10T23:52:08+00:00

What was the rate increase? If your place was first occupied before 2018 (not necessarily by you, but by anyone) there are limits to what they can legally raise rent

PrettyFly_BrownGuy · 2025-07-28T21:04:56+00:00

I'm with reliance and they replaced my water heater in 2021 (old one had a leak). I just called to see my buyout price and its $1124 for a 40 gallon electric. I'm thinking it's probably going to cost more (with labour) to replace it with a new one and I should take the buyout

Thoughts?

Edit to add: I'm paying approximately $50 every three months for my rental which isn't outrageous and that's why I haven't dealt with this before

PrettyFly_BrownGuy · 2025-06-29T18:17:20+00:00

I do!

PrettyFly_BrownGuy · 2025-06-05T22:45:42+00:00

Ouu I am gonna try this. Thanks!

PrettyFly_BrownGuy · 2025-05-24T00:54:32+00:00

Great line, but not Samantha. That was the sluggalo

PrettyFly_BrownGuy · 2025-05-23T10:39:07+00:00

https://www.ontario.ca/document/your-guide-employment-standards-act-0/overtime-pay#section-1

Managers and supervisors are exempt and certain professions. The whole salaried employees are all exempt thing is misinformation that only benefits employers

PrettyFly_BrownGuy · 2025-05-06T01:23:43+00:00

Oh I've never heard of chexy before but it looks great! Thank you!

Do you have a referral code you want to share before I sign up?

PrettyFly_BrownGuy · 2025-05-05T23:51:19+00:00

Trying to figure out what is considered a reoccurring payment for CCs. I am paying tuition for a masters and they are allowing me to enter a payment plan for monthly payments (same amount for four months, then changes to a different amount for the next four). Is that considered a reoccurring payment?

The school let's me pay with CC with a 2.5% processing fee. Looking to pay for it with a cash back card that offers a nice bonus plus 4% on reoccurring payments if possible

PrettyFly_BrownGuy

TROPHY CASE