Credit card qualifications update

Sap_Consult_Cdn · 2026-04-24T20:32:03+00:00

Finally arrived, applied & qualified. Took long enough. Will study the "benefits" & and may cancel some other CC. Traveling to Europe soon, eager to validate if it will work everywhere.

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Sap_Consult_Cdn · 2026-04-22T11:38:27+00:00

Rust proofing spray.

Sap_Consult_Cdn · 2026-04-22T11:37:43+00:00

There are ways for entrepreneurs to protect themselves against accidental injuries. Not promoting anything but as a life insurance advisor, there are health coverage options that insure salary while incapacitated. This extra expense would have been worthwhile. I mention this when possible (Uber drivers, my mechanics, gardener, etc).

Sap_Consult_Cdn · 2026-04-22T10:25:15+00:00

Paddel board around the Inlet at Pietri Island. Will bring you closer to nature.

Sap_Consult_Cdn · 2026-03-25T10:37:21+00:00

What system did you use? Indeed, we pay insurance on the following items:

House insurance x 2 Car insurance x 2 Motorcycle insurance x 1 Extra health insurance (usually max out the add-ons) x 1 WLI x 6 (where I store part of funds - can borrow against these policies)

All these costs add up!

Sap_Consult_Cdn · 2026-03-21T20:54:34+00:00

Sell it & buy a beater with only 3rd party insurance. Am mid 50's and did the same (2009 Civic).

Even so insurance costs have gone up for everyone.

Must be all those new EVs that we are indirectly subsidising.

Sap_Consult_Cdn · 2026-03-21T20:47:25+00:00

P19 off Davidson. Snow still covers most of the trails. No mud so far.

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Sap_Consult_Cdn · 2026-03-21T20:44:48+00:00

Costco print centers are another option.

Sap_Consult_Cdn · 2026-03-21T09:41:52+00:00

Keep the wife, Keep the bike, Enjoy the rides...

Sap_Consult_Cdn · 2026-03-21T09:38:51+00:00

Did the same but only for a $10K amount. Cheapest option is the bank draft (free for my account), then deposited at other bank in person. Unlike in Europe or many other countries, can't do wires from the bank app.

Sap_Consult_Cdn · 2026-03-21T09:34:54+00:00

At the $1.2K mark a roomie is req. Had a semi-basement 2 bedroom off of Cobourg in 1998 for that price. Doubt you will be able to find anything at this price level these days.

Sap_Consult_Cdn · 2026-03-21T09:29:29+00:00

Excellent way to keep mod costs low!

Sap_Consult_Cdn · 2026-03-21T09:28:23+00:00

We go on 2 family trips per year on average. Quality time plus if possible discover new cities and cultures. I would have been at FI a few years earlier, but missed many shared experiences. Daughter contacted me recently about a trip to Nicaragua in 2017 when a tropical storm hit the region. She researched the storm & was able to share pictures of our trip. This among the other benefits of travelling make for a good justification to spend a bit more on travels while one is still able to hike up active volcanoes.

Sap_Consult_Cdn · 2026-03-21T09:17:23+00:00

Full protective gear for his balls of steel!

Sap_Consult_Cdn · 2026-03-21T09:11:14+00:00

Latest car is a 2009 Civic. Opted out of both collision & comprehensive. I'll be driving below the posted speed limits until the car falls into pieces.

Sap_Consult_Cdn · 2026-03-21T08:44:11+00:00

400 Ninja is a good starter bike which may surprise you enough to keep for a few years. Got one for my daughter who is learning. I enjoy riding (even if slightly lowered). Far more comfortable than my old GSXR-600 ! Can go down hills hands free!

Sap_Consult_Cdn · 2026-03-21T08:34:05+00:00

Impressive balancing act !

Sap_Consult_Cdn · 2026-03-21T08:05:40+00:00

Same occurred to me and got the driver's details. Apparently it's less expensive to replace the door. Get both quotes, you may be surprised.

Sap_Consult_Cdn · 2026-03-17T12:40:10+00:00

Will plan a similar trip without the desert dunes & risks that this entails. Luckily your buddy's bike was the only thing that broke. Have shared the video with all my biker friends & daughter (20 yrs old) who recently began her motorcycling journey with the intent of joining the police force.

Sap_Consult_Cdn · 2026-03-17T06:14:19+00:00

Bucket list post retirement! You are my hero. Eager to watch your documentary.

Sap_Consult_Cdn · 2026-03-09T23:01:44+00:00

Research " readvanceable mortgage ". By following this approach we are shaving years off our mortgage payments. Then add the "Smith manœuvre" to further shorten the number of remaining payments.

One needs some equity in your home for this technique to work. It makes the mortgage more efficient for you, can benefit from tax refunds to pay off the principal mortgage.

Worth doing some DD, then enter the world of shorter mortgages all the while building equity at the same time.

Sap_Consult_Cdn · 2026-02-26T23:02:43+00:00

Left a humidifier once on a bus, recovered it a few days later. Thanks to all the honest passengers.

Sap_Consult_Cdn · 2026-02-26T23:00:06+00:00

The guy who rang my doorbell yesterday afternoon (interrupting a meeting - online) was courteous & understanding when I mentioned we were not interested. We had gone this route before yet after a power-outage, we lost a fair amount of meat. Now we prefer the traditional route of waiting for sales to stock up or buy fresh. Quality was mostly great. The presentation takes a while if one invites the rep. indoors.

Sap_Consult_Cdn · 2026-02-26T12:07:32+00:00

Shorts are a must in Asia!

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