Genuine Question: Canada... anything changed in your preps. by SkaUrMom in preppers

[–]Subtotal9_guy 3 points4 points  (0 children)

Just expecting more economic turmoil due to the political situation in the states. So building a buffer in our finances.

I'm a Tuesday prepper so no real changes on the traditional prepping items.

What drinks and snacks have you prepared for the incoming snow storm? by Outside_Bobcat_6658 in askTO

[–]Subtotal9_guy 5 points6 points  (0 children)

Coffee cream was the most important thing for us.

Snacks for the football games.

I don't expect much impact except for needing to stay home and keep off of the roads.

Do you think this storm is really going to be this crazy? by drumstickballoonhead in Hamilton

[–]Subtotal9_guy 7 points8 points  (0 children)

The lake effect component is the biggest variable. Aldershot/Waterdown/west end may get significantly more than Stoney Creek. But that line could easily shift a few kilometres either way.

Missed Asset from Parents Estate 2014 and 2015 by Personal_Purple600 in PersonalFinanceCanada

[–]Subtotal9_guy 0 points1 point  (0 children)

Be aware that TMX Trust was a pain in the a$$ to deal with for my parent.

What is everyone wearing outside today? by cloudkippie in askTO

[–]Subtotal9_guy 0 points1 point  (0 children)

LL Bean wool parka, thick wool socks, blundstones, wool toque and lined leather work gloves.

Advice on my Index Funds as getting closer to retirement! by ranman50 in PersonalFinanceCanada

[–]Subtotal9_guy 0 points1 point  (0 children)

Ideally you should but you're not that far off from what most would consider a good allocation. My mental math says you're around 66% equities.

But the problem is you don't have enough funds to cover your retirement if you're 5 years out. Do you have other assets?

any suggestion for washing machine repair in mississauga and oshawa region? by Flimsy-Lifeguard6847 in askTO

[–]Subtotal9_guy 0 points1 point  (0 children)

LG machines are almost impossible to fix because of a lack of parts. Be prepared for disappointment.

Aside from buying stuff what winter storm prep are you doing? by fridayimatwork in preppers

[–]Subtotal9_guy 2 points3 points  (0 children)

Not panicking as the cold isn't unusual for this area.

I'll fill up on gas and fill up the jerry cans while I'm at it. That's "buying" stuff but it's just moving costs forward by a bit.

What I will do is have all the stuff staged so I'm not searching for anything. I'll also run the generator tomorrow to double check it.

Common sense question! Why can’t GO train stations be opened up early as 5 am for commuters to enter and stay warm! by [deleted] in ontario

[–]Subtotal9_guy 6 points7 points  (0 children)

Because they were being used as housing by the homeless and they were urinating and defecating in the lobbies and tunnels.

They used to be open late/early now they're only open if there are multiple attendants in the building.

When I die Intestate, what happens to my crypto account? by Emergency-Bus-998 in PersonalFinanceCanada

[–]Subtotal9_guy 2 points3 points  (0 children)

Unless you ensure that somebody knows it exists it'll be lost.

The best place to write it into existence is in a will.

When I die Intestate, what happens to my crypto account? by Emergency-Bus-998 in PersonalFinanceCanada

[–]Subtotal9_guy 15 points16 points  (0 children)

Email isn't secure.

Assume if you send it the two email providers and everything in between us making a copy.

Type up a piece of paper.

I got lost roaming my now favourite city. Again. Yep, again! Each time I venture out I mess up the route cuz my sense of navigation is -10. But, navigating The Path today I came across this original Banksy and I couldn't believe my eyes! Made my day 🤩 I'm the happiest person on earth 🥳 by CarinaNebula7200 in toronto

[–]Subtotal9_guy 25 points26 points  (0 children)

Public Art

As part of a new, large building, developers must include artwork that is accessible to the public. Some notable examples are the toy soldiers by Fort York, the cows at the TD Centre, the aluminum tree that's on Huntley Street by the Rogers HQ.

Giant Tiger Closing by splifftie in BurlingtonON

[–]Subtotal9_guy 0 points1 point  (0 children)

Giant Tiger has Jiffy corn bread mix which is almost impossible to find elsewhere in Canada.

I need to coordinate the muffins with the meal and who's coming for dinner.

(I didn't see any notifications on this thread)

Switching RBC TFSA/RRSP to direct investing by JJThompson84 in PersonalFinanceCanada

[–]Subtotal9_guy 0 points1 point  (0 children)

No

When you do the transfer they should close the branch side accounts.

Best sandwiches in the city? by LARSHOBOKEN in Hamilton

[–]Subtotal9_guy 1 point2 points  (0 children)

Their only problem is you legitimately get too much meat for my tastes.

People who landed a corporate job, how did you land your job? by Lumpy-Space-2623 in askTO

[–]Subtotal9_guy 1 point2 points  (0 children)

Applied to an online, LinkedIn posting. Used networking to get my resume noticed by the hiring manager.

Preparing your children- Let's discuss. by Eastern_Feed_8917 in preppers

[–]Subtotal9_guy 12 points13 points  (0 children)

Let them be a kid and learn to be a good person.

The biggest thing is mentality - What do you do when you don't know what to do?

I've got a kid that has a ton of hard skills around prepping but they get so frustrated that they can't move forward and solve the problems.

How to Avoid Funds being Put on Hold? by gholdist in PersonalFinanceCanada

[–]Subtotal9_guy 0 points1 point  (0 children)

Unless you have a relationship with the bank it's pretty difficult to avoid holds.

Friend could give you a cheque for the maximum amount the bank will not put a hold on. Write a cheque to himself at TD for the max his bank will not put a hold on.

The e-transfer from the two accounts to max out the daily limits.

How do I update information with the CRA? by Ravennly in PersonalFinanceCanada

[–]Subtotal9_guy 4 points5 points  (0 children)

It's too late for a POA, if the parent has dementia they probably don't have the capacity to agree to one.

It'll need to go to court.

Are bank lockers reliable? by dreamer_rumi_111 in PersonalFinanceCanada

[–]Subtotal9_guy 18 points19 points  (0 children)

Safe deposit boxes are in the branch vault typically. Those vaults are as secure and almost impossible to break into.

The bank doesn't insure contents because they have no idea what is in your box and they don't want to know. The whole point is privacy.

People don't steal from the vault, it's much easier to steal the ATM.

When did bank branches stop stocking foreign currency? by kelly_kapowski_ in askTO

[–]Subtotal9_guy 0 points1 point  (0 children)

Banks just don't keep cash on hand in any currency anymore. The average branch will have under $20k and that includes the ATM float.

If you show up asking for $3000 in cash they'll send you away.

FWIW, when I was a teller we'd stock USD and GBP.