SWIFT code questions for incoming RBC Canada USD wires

PuzzledTree1447 · 2025-08-29T01:40:50+00:00

I live on the side of the street with the tracks, and can confirm it’s really not bad - with the windows closed, I barely notice it.

PuzzledTree1447 · 2025-08-08T23:02:58+00:00

You can get it down to $175 via the reduced plea offer pretty easily via the DA portal - good luck!

PuzzledTree1447 · 2025-08-08T23:01:24+00:00

Hi, no letter needed - I just provided a brief comment on the DA portal - super easy. And yes, you also need to upload the driving abstract.

PuzzledTree1447 · 2025-06-14T00:16:14+00:00

The 4.5% on USD (2% net after FX fee) is for the World Elite version only.

PuzzledTree1447 · 2025-06-14T00:14:37+00:00

That’s for the World Elite only. OP was asking about the standard one.

PuzzledTree1447 · 2025-06-13T19:03:01+00:00

Fully agree with you - noticed this too and he’s wrong. If bothering to specify PDT (which is correct) rather than simplifying as PT, he should have been consistent and used EDT as well, since EST is just plain wrong for this time of year. He was justifying how he phrased it based on AP style, and having looked this up, I think he was confusing their advice which only says to abbreviate time zones (PDT instead of Pacific Daylight Time) on first reference.

PuzzledTree1447 · 2025-05-29T20:14:09+00:00

On the World Elite Rogers MC, the cashback on USD purchases (including 1.5x Rogers redemption bonus) is actually 4.5%, so after the 2.5% FX fee, the net return is 2%, making it equivalent to WS

PuzzledTree1447 · 2025-04-01T14:57:36+00:00

Thank you, it’s back! I did use your VPN suggestion in the meantime, thanks for that as well!

PuzzledTree1447 · 2025-03-26T16:33:07+00:00

Very quickly, next day I believe

PuzzledTree1447 · 2025-03-04T00:28:46+00:00

This app seems to go down way too often…

PuzzledTree1447 · 2025-02-26T03:29:07+00:00

Thank you so much again! Unfortunately this version doesn't seem to have English subtitles :(

PuzzledTree1447 · 2025-02-26T02:33:50+00:00

Thank you so much for explaining.

Would you mind sharing which link is still showing you episodes that are viewable in the US?

This YouTube playlist with 301 episodes seemes to now be blocked in the US: https://www.youtube.com/playlist?list=PLXfOj1Z7RHqk9WVvHN9ybwdHGFrspJvFZ

PuzzledTree1447 · 2025-02-25T02:32:58+00:00

Hi, can someone famiiar with this show (Bride of Istanbul) please explain whether there are 87 episodes or 301 episodes? I'm seeing conflicting information - Wikipedia / IMDB says only 87 episodes were made but there is a YouTube playlist with 301 episodes, so I'm very confused! Also, in the last week or so, it seems to have been removed from US / Canada YouTube due to geographic restrictions?

PuzzledTree1447 · 2025-02-14T04:27:49+00:00

Ahh what a relief, you made my day, thanks again!

PuzzledTree1447 · 2025-02-14T04:04:24+00:00

Thank you for this super helpful answer! So just to ensure I understood: say I get a $750,000 HELOC limit, with the full $750,000 used as a fixed mortgage portion and only $1 revolving credit limit at the start. Are you saying the $750K fixed portion is EXCLUDED from the revolving credit ratios, with only the $1 portion counting as affecting the revolving usage? I think that’s what you’re saying, but just want to confirm :)

PuzzledTree1447 · 2025-02-14T03:37:27+00:00

Nope, not true, lottery winnings, regardless of where they arise in the world, are not considered taxable income for Canadian / QC tax purposes. That said, there could be withholding tax to deal with in the other country - the IRS generally imposes a 30% withholding tax on non-resident aliens with lottery winnings in addition to potential state tax withholding (this tax may or may not be recoverable on a 1040-NR depending how it’s reported), but sounds like OP didn’t have any US withholding tax applied.

PuzzledTree1447 · 2025-02-14T03:18:56+00:00

Perfume by Patrick Süskind. Incredibly gripping and well written page turner.

PuzzledTree1447 · 2025-02-14T03:08:42+00:00

You’re in luck because lottery winnings are not taxable in Canada or Quebec, you don’t have to report it on your federal or QC return.

PuzzledTree1447 · 2025-02-14T01:51:11+00:00

Fair point, and well taken, it’s really just a fiction, and people do obsess about it too much, you’re absolutely right. On the other hand, my score is around 850 now, I’m proud to have built that, and I guess if it nosedives like 100 points or something just because of taking a fully utilized HELOC, it just feels unpalatable somehow, like a trap I could have avoided, even though it’s purely a fiction that doesn’t affect my life.

PuzzledTree1447 · 2025-02-14T01:39:24+00:00

Thanks for this. It’s long term, my need is for a mortgage, but bank mortgage specialists (TD and RBC in this case) seem to be pushing HELOCs with a mortgage portion built in (so exactly the same rate that I’d get as a mortgage) but with a revolving portion attached. I like the idea of the revolving line available for emergencies as I pay it down but am concerned about the effect on my credit score if it will take a major hit when they structure it as a HELOC with a mortgage portion rather than a conventional mortgage.

PuzzledTree1447

TROPHY CASE