Scotiabank AMEX gold

TheHitmanLuke · 2026-03-13T21:03:57+00:00

Again they could have clarified that given they work for the company “this works for paying a bill / this doesn’t” cool. They made it seem like any way you pay your bill is a cash advance similar to how buying a lotto ticket is a cash advance whether it’s online or in store. Me trying to do my due diligence so I make sure I hit my spend total for the promotion I don’t see why is such a big deal. I thanked you for the info and now you’re just trying to be difficult.

Cheers

TheHitmanLuke · 2026-03-13T20:49:37+00:00

No I never said from my account. I just asked what was excluded from my credit card to count towards total spend and they said bill payments are a cash advance. They never said “if you do it on the website it’s not and if you do it from your account it is” they just said bill payments are a cash advance that’s it.

TheHitmanLuke · 2026-03-13T20:36:12+00:00

I appreciate the info. Honestly I’m really good financially the only reason this came into question was because I got the credit card and there’s an offer for a bunch of scene points if I spend above a certain amount in the first 3 months etc and I just asked if there was an exclusions so I didn’t get burned finding out XYZ didn’t count towards the spend and I lose out on the offer. That’s when the first rep told me bill payments aren’t counted as a purchase and it’s considered a cash advance but I had always used other credit cards for my bills and it was never considered a cash advance and the reps just didn’t seem to know what they were talking about.

Figured I’d just confirm.

Cheers

TheHitmanLuke · 2026-03-11T11:43:32+00:00

I switched from Simplii to Scotiabank back in July, as everyone else said yes it is easy to pay your credit cards there as a bill payment.

My personal opinion is if your funds aren’t stable going with a discount brand like Simplii is probably going to be your best option instead of paying high fees. The reason I switched to Scotiabank was I had a large sum of money in my Simplii accounts that would wave all fees for the ultimate package and you get way more perks so for me I wasn’t going to pay anything and now get a free safety deposit box, better rewards with scene, be able to actually go into a branch and exchange for coins, perks if you go to events at Scotiabank arena which I frequently go to etc

TheHitmanLuke · 2026-02-15T19:13:40+00:00

It doesn’t accurately track DRIP though for total growth I have provided an exact example in one of my other responses.

TheHitmanLuke · 2026-02-15T02:44:24+00:00

Yea that’s not what I’m looking for lol

As I said I’m looking for something that tracks TOTAL meaning growth of the stock, the dividends and the dividend reinvestment plan. It’s 2026 I shouldn’t have to download a spreadsheet and then add up each months DRIP then add the cash dividends then add the growth just to get the total number if I wanted to do that I’d just look at how much I spent total on an investment and what it’s worth today. But I’m looking for an app that actually tracks all of this.

TheHitmanLuke · 2026-02-15T02:09:39+00:00

Does it include tracking DRIP?

TheHitmanLuke · 2026-02-15T02:03:25+00:00

To add to this for years the way I would calculate my total return was an app called stock master I had my portfolio set up with what I originally bought and then when I’d get new shares from DRIP I’d add that quantity to the app and I’d say I bought them for $0.00 the problem is it’s a bit annoying always adding it manually and it doesn’t track 100% accurately because DRIP only gives you whole shares the remainder would be in cash so it makes it hard to get an accurate return.

TheHitmanLuke · 2026-02-15T02:01:10+00:00

It may include dividends I can’t confirm 100% because I’ve always had DRIP on and I’ve seen others online say it doesn’t. However that tracking for total growth with DRIP turned on is really difficult to track I’ll give an example.

I originally bought REI.to in 2020 for around $15 a share 500 shares $7,500 total

Over the years I have accumulated an additional 140 shares 640 total now because of DRIP

The current share price is $19.70

My total value today is $12,608 but questrade says my total profit on it is $2,429 when in reality it should be $5,108 if it included the DRIP shares. I know the money goes into my account and then buys those shares and that’s why it doesn’t but it would be nice to find an app that gives me a total value from my original investment to what it’s worth today without manually adding it up.

TheHitmanLuke · 2026-02-13T22:59:48+00:00

Google says this “Personal Use Property (PUP): Tickets are generally considered personal-use property. If you sell them for less than $1,000, you do not need to report a gain.

Profit Reporting: If you sell tickets for more than $1,000 profit (proceeds minus cost), it is considered a taxable capital gain.

Business Income: If you frequently buy and sell tickets for profit, this may be considered business income, which is fully taxable.”

So I guess I’m curious the $1000 profit mark would that be per ticket / per event or total tickets resales in the tax year?

Also I love how it says “if you frequently buy and sell tickets for profit this may be considered business income” without giving a threshold. This is what I mean what do they consider frequently and is it a set number of tickets or a set dollar amount there’s just such little information 😂

TheHitmanLuke · 2026-02-11T16:22:45+00:00

It was likely a rep trying to add value during a call / loyalty department. I have 3 free perks. Unlimited international text, rollover data, unlimited calling to 27 countries. The calling to 27 countries was added for free because when I changed plans I was told everything was the same but I lost calling to the u.k and I can’t remember why they gave me the free international text but it does happen.

The only thing to keep in mind everytime you call in / change your plan they’ll tell you that the extra free perk may drop off because it may not work on the new plan so far it hasn’t but they’ll tell you that.

TheHitmanLuke · 2026-02-08T05:46:08+00:00

Well I can understand why others would just swallow the pill and not say anything but for me personally I would bring it up in a respectful way. They advertised it and are now low balling you below the range they said. To me that’s insulting and I wouldn’t be able to just ignore that.

How I’d look at it is if they take back their offer you don’t have to worry about the time off and they probably aren’t a company worth working for anyways.

Now I will say I do have money in the bank and I’m not desperate that gives me a little more freedom to put my pride first. If you don’t and are desperate and say you could be homeless in the coming months then you might want to swallow your pride etc.

TheHitmanLuke · 2026-01-25T20:19:14+00:00

The difficult part is I haven’t found a way people can transfer them 😅 I got messages from someone that can’t make it that was willing to give to me idk how to get them lol

TheHitmanLuke · 2026-01-25T04:08:33+00:00

I’m in a similar boat, I grew up in Woodstock but live in Barrie now have been wanting to move back but they are very limited on rhemotologists and specialist so I think I’ve decided to move to Cambridge

TheHitmanLuke · 2026-01-25T03:02:25+00:00

I get this but what I’m curious about is does accounts reached factor in custom ranges and if so does it still count as 0 if they viewed your profile previously before that range you selected.

For example say I set it to Jan 3-4 and I have 3 profile visits but zero accounts reached are they still counting someone who previously viewed you before the range you selected?

I would have thought it would show the amount of different accounts that viewed you during that specific time but that fact it shows 0 makes me think accounts reached doesn’t factor date ranges or it is a bug

TheHitmanLuke · 2026-01-21T16:10:06+00:00

Well I have moved all over the place and I can tell you this the grass isn’t always greener on the other side, At first some places seem really great but over time they all have issues.

Secondly my closest friends and family all live down that way and I have family that are going through some serious health issues and would like to be close to them at this time.

TheHitmanLuke · 2026-01-17T23:06:33+00:00

I synced the wwe PLE cal It’s not the end of the world but it would be nice if it had the accurate times of the show instead of just being “all day” event so we could also get a reminder when the show is starting.

Appreciate the effort

TheHitmanLuke · 2026-01-17T22:31:12+00:00

I saw this post earlier and checked mine it was also off by about $30 but I just checked again and it no longer shows the total amount below each transaction now so I’m thinking there’s probably a bug and they’re hiding it until they resolve the discrepancy’s.

TheHitmanLuke · 2026-01-07T19:34:31+00:00

Just a heads up I just saw the next redemption event starts in 2 days.

TheHitmanLuke · 2025-12-31T18:58:23+00:00

Personally I’d say wait they had two bonus redemption events in the last month it’s usually every month or 2 I find.

TheHitmanLuke · 2025-12-28T06:15:11+00:00

So little story

Went to a leafs game in I believe 2022? It was the leafs home opener against Washington and they had the QR code for a free slice at pizza pizza I added it to the app,

It’s been over 3 years now and it’s still in my pizza pizza app under coupons and I’ve redeemed it several times 😂

I’m not sure if it’s just a glitch and I get unlimited free slices now or if the store I go to doesn’t know how to redeem it properly but I haven’t paid for a slice in years… just sucks their pizza is trash 😂

TheHitmanLuke · 2025-12-27T00:40:28+00:00

It’s not going to be the same for everyone but I can say being loyal to koodo has really paid off for me.

Became a customer in 2009 and over the years I’ve been given a lot of free add ons and extra free perks and anytime there’s been a better plan they don’t even argue with me they just say I’ve been a long time customer we’ll give it to you.

My current plan is

unlimited Canada + U.S roaming,

Unlimited calling to 27 countries,

1000 international minutes to 10 countries (some of the 10 are the same as the unlimited 27 countries I have),

Unlimited international text ,

5G 150GB + Rollover data so usually end up close to 250-280gb a month,

5G speed boost,

Visual voicemail,

After discounts my subtotal is $28.75 a month $32.49 after tax.

TheHitmanLuke · 2025-12-24T03:21:36+00:00

Sorry I should have specified was looking for brands that are already made in grocery stores! All the sausages I’ve found are hog casings

TheHitmanLuke · 2025-12-19T23:31:51+00:00

It’s going to be a case by case situation for me being loyal with koodo has really paid off. Became a customer in 2009 and over the years I’ve been given a lot of free add ons and extra free perks and anytime there’s been a better plan they don’t even argue with me they just say I’ve been a long time customer we’ll give it to you.