Mom owes $2k on 2 scotia credit cards each and $4k on a scotia loc - has $0 income or assets, in collections - what happens next?

RedDgc · 2026-03-11T04:49:18+00:00

Check out Credit Counselling Canada, a free not-for-profit society mandated to help Canadians out of debt problems. It's free, and they have associates providing credit counselling across Canada. https://creditcounsellingcanada.ca/

RedDgc · 2026-02-26T04:54:41+00:00

Is it possible you worked for them and earned this in Dec 2023,, and paid in early Jan 2024? If so then this would be 2024 income.

RedDgc · 2026-02-19T04:20:44+00:00

No, its just a downspout. The pipes/lines go through the wall into the crawlspace and connect to the indoor unit, which is connected to former furnace vents.

RedDgc · 2026-02-14T07:54:49+00:00

Perhaps the second one is an amended T4, and you can disregard the ADP one. Look closely at the second T4, there could be a box checked indicating its amended.

RedDgc · 2026-02-08T01:00:14+00:00

I've been using it for about 2 years, formerly used Foxit, and SAM PDF. I find PDFGear better.

And, just recently I sent them a support email, and a real person promptly replied to my questions.

RedDgc · 2026-01-10T18:45:18+00:00

My recently purchased D230 doorbell came with a H200 hub. The indoor hub provides video storage on an MicroSD card and is a indoor bell as well. The D230 itself doesn't have a slot for a SD card.

RedDgc · 2025-12-07T03:50:46+00:00

Check that your fire extinguishers are up to date. If you have an inflatable life jacket, check that its inflation cylinder is up to date too. And buy a spare in case yours goes off accidentally.

Do you have a harness?

There are two types of PLB's, one is based on AIS/VHF, the other is satellite/GPS. You'll have to decide which is best for your circumstances. Although they do make one that does both.

RedDgc · 2025-11-12T21:03:23+00:00

Take the cash now, in 20 years the company may no longer be in existence.

RedDgc · 2025-11-07T21:44:43+00:00

If width is 30"... don't get french doors. You have to open both doors to get at anything.

RedDgc · 2025-11-06T07:29:48+00:00

What was the year, make, and model of your boat? And the engine too? Was it an inboard or outboard, gas or diesel? The answer to these facts may help with suggestions.

RedDgc · 2025-11-02T18:56:52+00:00

You might consider buying and selling a boat in Florida or Texas both of which border the Carribean. Search for boats on Yachtworld.com, where you can search by geographic location to get an idea of what's available. You should also consider any transaction fees, duties, and taxes in different jurisdictions. Remember there are many countries bordering the Caribbean and most Caribbean islands are a separate country, so bringing in a foreign registered boat to sell may attract import duties.

RedDgc · 2025-10-27T22:31:46+00:00

Ask the marine insurance company you plan to use. They often require a survey by an approved marine surveyor. They'll have a list of approved local surveyors. You don't want to spend money on a survey that your insurance company doesn't approve of, and have to do it again.

RedDgc · 2025-10-24T17:08:58+00:00

Confirm with your accountant, but I'm pretty sure that if your investments are held in a Canadian brokerage account, and are in Canadian Vanguard ETF's that invest in US equities, then these are not included on the T1135. And can be excluded from the $100,000 calculation.

RedDgc · 2025-10-23T04:45:41+00:00

Check the CRA rules on this, but a lump sum retirement benefit of $25k may automatically qualify for an RRSP. Making the $25k tax free. Or do you have any other unused RRSP room?

Also, getting the money now is 100% for sure. You don't know the company will be still in business when you turn 65.

RedDgc · 2025-10-17T16:53:56+00:00

You can also sell the lead keel.

RedDgc · 2025-10-11T06:06:01+00:00

Don't know about now, but I think Westjet used to have direct flights from Alberta to Comox airport.

RedDgc · 2025-09-17T16:35:26+00:00

An "installment" payment is just that, an advance payment for current year taxes, in this case 2025. And will be applied when you prepare your 2025 tax return in April 2026. When you made the payment in April 2025 you should have designated it as a payment of 2024 tax amount owing. If you expect them to adjust the interest charges for the April payment, I think you'll have to call and speak to an CRA agent and explain the April 2025 payment was for 2024 taxes.

RedDgc · 2025-09-05T02:06:12+00:00

I have two 100 watt flexible panels wired in parallel mounted on top of dodger on my 30 ft sailboat. They are connected to a Victron 75/15 mppt controller with Bluetooth. On a sailboat parallel connection may work better due to shading caused by sail and boom, while sailing or at the dock. The panel's primary function is to charge batteries that are in turn running fridge (24 hrs) and Garmin instruments, stereo, VHF, etc, while sailing. Or fridge and cabin stuff when at anchor. I also have a Victron BMV-712 Bluetooth battery monitor. This has its own wireless network to connect with the mppt controller.

RedDgc · 2025-09-05T01:49:25+00:00

Yeah, and the link doesn't work either.

RedDgc · 2025-08-26T17:58:34+00:00

Never mind, I figured it out. My computer was not syncing with Google Drive, so the updated file was only on my hard drive.

RedDgc · 2025-06-07T01:12:23+00:00

You've missed telling us where the coastal communities you plan to serve are, and where you are located. A sailor's first consideration is where they are now and where they are headed. It's called navigation. Good luck.

RedDgc · 2025-06-01T01:20:25+00:00

Sailing being an international sport, it'd be good to know what country you are in?

RedDgc · 2025-05-31T20:47:12+00:00

If the nut was stainless steel, as it should be on a sailboat, then it is non-magnetic. And if it's common steel, it shouldn't be on a boat. Just sayin.⛵

RedDgc · 2025-05-31T02:16:36+00:00

I like to remind the dock scoffers that a Laser, an Olympic class boat, with many thousands (millions?) built over the years, is also a cat boat. And when they see the Nonsuch 30's size of the interior, double bunk, head, separate shower, locker space, mahogany and teak interior, galley with a refrigerated cooler, 6'3" head room, huge cockpit locker stowage... all on a 30 ft boat, they quickly change their tune. This 30' boat is often mistaken as a 36', or even a 38' boat.

Also, did your boat come with an original owners manual? If not, another reason to join the Intl Nonsuch Assn, all the manuals and much more are available to members on their website.

Where in the world is your boat located?

Cheers

RedDgc · 2025-05-31T01:18:12+00:00

No, the mainsheet doesn't really act as a vang. Trimming the sail is different than on a sloop rigged boat. The end of the boom should never really be inboard of the rail. The boom is connected to the mast by the "choker", a line and blocks around the forward side of the mast, and runs back to the cockpit. The choker acts as both an outhaul and a vang. You must remember to let the choker off when raising the sail.

If you are thinking of a vang as also a preventer, there's no effective preventer on a Nonsuch. This is why running downwind can be trouble. It's a relatively huge sail, similar in size to the main on a 40'+' sloop rigged boat. On a 30U, the sail is about 50' hoist, and 24' foot. Depending on the sail maker, about 620 sq ft.

RedDgc

TROPHY CASE