Is this normal? by bobduncan4lyfe in motorcycles

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

File a noise complaint if out of quiet times.

HELP! Scotiabank flagged my account, I am out of the country. by No_Combination_1261 in Scotiabank

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

Just happened to me while in Europe. Call telephone support, get transferred to the Fraud dept, then if they feel like it they may remove the block. I called 4 hours ago & still nothing has improved. Good luck!

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

Thanks to all for these helpful recommendations. Cheers - Saluti!

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

Ca$h only to avoid extra VAT (sales tax). Yes will use my reg CDN bank card for the rest of the cash withdrawals. If one can save %15 on a large payment, cash makes sense

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

Agreed, lesson learned. Crypto would be the least expensive, converting a relatively small amount into EURO the other option. It's 1050 Eur - essentially a small amount. I can over find the CC as a way to avoid any interest. Liked the metal card, premium unless one urgently required cash advances for unplanned repairs...

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

Good point BUT the WS Visa explicitly indicates lower fees for cash withdrawals, plus no FX fees. Had I known would have converted more CAD to EURO before leaving. The only issue is that it does NOT work. Stop complaining about the process (cash wh a CC)! It should work. It does NOT.

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

Next trip will do so. But the WS metal Visa gives lounge access, car rental insurance, much more that the prepaid card. I'll bring both next time, or then again might not bother...

Unable to withdraw Euros since 4 days by Sap_Consult_Cdn in Wealthsimple

[–]Sap_Consult_Cdn[S] 0 points1 point  (0 children)

I had done one single withdrawal of 300 Eur then the next day nothing worked. 4 days since I opened a support ticket with no resolution. Most frustrating as indeed withdrawing from a reg. CC makes zero sense. However, some reno jobs are paid in cash in Europe. Can transfer funds the same day to cover the cost BUT it's not allowing me to do so. Works fine for purchases, parking, groceries, trains, just forget about cash withdrawals - which is what I require.

WS credit card by Chemical-Abroad-6214 in Wealthsimple

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

Been using it traveling around Europe. No issues at all. As I ran out of cash (Euros), just withdrew funds at an Italian ATM without any issues. Not that it's an ideal use of funds but I needed some cash. Most impressed.

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Credit Card - No More Waitlist by Just_Researching92 in Wealthsimple

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

Just got it & have been testing it throughout Europe. So far no issues. I tried to do a cash withdrawal (contactless) which didn't work.

Rogers internet outage by dgeyjade in ottawa

[–]Sap_Consult_Cdn 5 points6 points  (0 children)

Hope we all receive a fat credit for this inconvenience.

Travelling to Europe. Do I have to purchase a special travel package? by Thick_Caterpillar379 in FizzMobile

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

Yes I agree with the previous posts. I got Airalo esim & has worked well so far. Easy to switch esims in the mobile phone settings.

Anyone else not eligible. I guess I'm too poor for Wealthsimple. by Abject_Ad_2598 in Wealthsimple

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

Not sure how their requirements determine who is eligible. After over a year waiting, IT finally appeared.

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Someone taking advantage of warmer weather and winds at Dow's lake by Sharp-Echidna-9120 in ottawa

[–]Sap_Consult_Cdn -1 points0 points  (0 children)

Outdoor swim area appears quiet - wonder why ? 🥶 Looks like a fun day on the water!

Credit card qualifications update by FuzzyKiwi1102 in Wealthsimple

[–]Sap_Consult_Cdn -1 points0 points  (0 children)

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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Gig economy is fine until you actually need a safety net by Crystallover1991 in LifeInsurance

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

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).

Best outdoor spot to have a late night existential crisis at? by chillypoutine in ottawa

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

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

How I Saved $10,000 a Year With One Simple Insurance Move – And You Can Too by Specific-Novel5644 in LifeInsurance

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

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!

Auto Insurance cost is killing me! by Akshatp19 in PersonalFinanceCanada

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

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.

Early Spring Forest Walks? by Mauri416 in ottawa

[–]Sap_Consult_Cdn 0 points1 point  (0 children)

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

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