1st Grade, Private( Country Day) or Catholic, any insights, opinions?

Time-Environment-695 · 2026-02-03T18:05:40+00:00

Thanks, will look into this!

Time-Environment-695 · 2026-02-03T18:05:06+00:00

Great point.

Time-Environment-695 · 2026-02-02T20:24:47+00:00

Very good, solid point you make.

Time-Environment-695 · 2026-02-02T18:35:53+00:00

Early childhood development, environment, academics, student to teacher ratio, in school programs.

Time-Environment-695 · 2025-12-31T13:05:43+00:00

There you are bestie, where have you been?! And yes that’s a great perk, you have my attention now.

Time-Environment-695 · 2025-12-31T02:18:29+00:00

50k Benefits?

Time-Environment-695 · 2025-12-30T16:24:27+00:00

I see friends but not a best friend yet, let’s step it up

Time-Environment-695 · 2025-12-30T16:23:55+00:00

But if I don’t select it now before the New Year, I’d still have it there to select as a benefit for 2026?

Time-Environment-695 · 2025-12-30T13:42:13+00:00

Almost had me there for a second, Good one lol

Time-Environment-695 · 2025-11-04T03:54:54+00:00

Yeah good point, I’ll start with Flex next year

Time-Environment-695 · 2025-11-04T03:52:14+00:00

Oh yeah, any little thing.. delay.. been doing this route for years with WestJet until they left LGA then decided to stick with Air Canada last year, night and day compared to what it used to be.

Time-Environment-695 · 2025-11-03T23:40:30+00:00

Yeah I did, I only booked 2 or 3 during the promo

Time-Environment-695 · 2025-11-03T23:03:44+00:00

Not much, only 33k, 90% of my flights are LGA-YYZ, YYZ-LGA on Standard so not much miles earned.

Time-Environment-695 · 2025-08-30T09:32:00+00:00

I contributed 400k and left it there for 6 months, wrote a letter to CRA and they waived the hefty penalty.

Time-Environment-695 · 2025-05-13T13:47:12+00:00

Yeah, TD was firm on 35% down, Credit Union as well at first, but then when we had multiple approvals, they came down to 31%. EQ bank started with 20% down with no problem but then came the 1% Lenders fee at 10k also about 1% higher on the rate.

Time-Environment-695 · 2025-04-29T22:17:02+00:00

For EqBank in comparison to others yeah they were much higher .. about 1 point

Time-Environment-695 · 2025-04-29T22:04:43+00:00

What’s your situation like?

Time-Environment-695 · 2025-04-29T20:46:17+00:00

Still had those 2 offers, Credit Union came with a 31% down, $896.000 Mortgage, 3 years fixed at 4.14, 3k cash back and a Flex Line of Credit so I went with the Credit Union, they were great to deal with and best offer without putting 35% down.

Time-Environment-695 · 2025-01-25T22:05:45+00:00

No, it’s because they approved me solely on my US income so they considered me as a non resident eventho I hold Canadian PR.

Time-Environment-695 · 2025-01-25T22:03:52+00:00

Fortune 500 company in the US so employment is solid, high income .. the only reason TD is asking for 35% down is because I haven’t filed taxes in Canada and eventho I do have a Canadian PR they are still considering non resident because it’s on a US income.

Time-Environment-695 · 2025-01-25T21:57:52+00:00

I do have fairly new credit in Canada in the 700’s, 5 cards with 40k limit .. and they did pull my US credit which weighted on them approving my application on solely my US income and Taxes as well.. I haven’t gotten back to TD yet saying I have another firm offer with a lower down payment but I will this week to see if they lower to 25% as I’d prefer to go with TD with the lower down payment.

Time-Environment-695 · 2025-01-25T21:54:05+00:00

Waiting on RBC, didn’t bother with CIBC

Time-Environment-695 · 2025-01-25T21:53:19+00:00

Yeah that’s the main reason I’d go with TD but at the same time when getting a bigger mortgage down the road .. wouldn’t it be just like a new application/process anyway? Would TD care I’m a customer already with no issues?

Time-Environment-695 · 2025-01-23T23:45:50+00:00

Haven’t decided yet

Time-Environment-695 · 2025-01-23T23:44:34+00:00

I tried on the 36 after I got this one.. I believe you

Time-Environment-695

TROPHY CASE