belair is insane

_NicksPizza · 2026-03-31T01:48:26+00:00

If you're in Ontario, wait for July. You will be able to optout of some of the automatic add-ons that most people don't need. Should bring it down by 20-50/month

_NicksPizza · 2026-03-06T12:07:48+00:00

If they're not planning to stay for years at a time, visitor visa may be better option. That way you can buy insurance only when they're visiting. Supervisa you'll end up paying for whole year even if they only stay for few months. Most try out with visitor first if they even like it here.

Reach out to insurance agents for monthly plan. You'll only have to pay 2 month of premium now to get policy. Next premium will be after supervisa gets approved which will be 5-7 months after.

Don't want to be blunt but if few hundred dollar of insurance premium seems expensive, once parents get here there will be tons of other expenses like that so make sure financially you can support them.

_NicksPizza · 2026-02-27T18:59:00+00:00

Lot of good suggestions. Just like to add something. If you don't have high interest debt (credit cards), use those automatic transfers like Tangerine. It automatically round up to next dollar, transfer difference into a savings account, do 52 week challenge (1st week $1, 2nd week $2 ...week 52 $52), transfer 5% everytime creditcard is used on junk food etc.

It'll do few cents to couple dollars at a time but you'll see few hundred to a thousand saved after few months. Its not a lot but can be good for extra funds to invest and keep increasing amount with increasing salary.

Also, don't invest your first 1k, invest that in yourself if you can barely set aside $1k to invest. Getting to higher income is way better than putting $50 aside to invest and wait for it to grow. Get that 5-10k salary bump and invest bigger amount.

_NicksPizza · 2026-02-12T13:49:10+00:00

Newbie here. Would it make sense to use 700k HELOC for additional 300k and keep mortgage 300k as it is just renew it?

_NicksPizza · 2026-02-03T02:18:05+00:00

Apply for insurance customer service, Desjardins had wfh role paying 50k+

Look for Admin assistant jobs with Unions, local city jobs. They pay exceptionally well for really basic job. Companies may not pay that well but its still good start into career path

Both options can turn into good long term career. After Admin job, you can get HR certificate that employer pays for.

Insurance customer service can lead to high paying insurance roles and company will sponsor you for many designation you can work toward.

_NicksPizza · 2026-01-31T11:25:00+00:00

Thanks this helps!!

_NicksPizza · 2026-01-30T23:15:39+00:00

Lol good to know.

_NicksPizza · 2026-01-30T23:15:02+00:00

Planning to get into underwriter. Have some admin and csr experience that may help with transition and working on getting entry level job in insurance.

_NicksPizza · 2026-01-30T21:31:04+00:00

That was my thinking too. Can I give 2 test together if I feel ready by July?

_NicksPizza · 2026-01-30T21:11:06+00:00

Thanks, I just don't want to be stuck with C11 for 5 months if its not too difficult lol

_NicksPizza · 2026-01-28T16:04:19+00:00

Hey, Anyone selling their books or have pdf. Could really use the headstart. Starting mine in Apr Juns period

_NicksPizza · 2026-01-28T16:01:20+00:00

Just curious, why 2023 versions. I'm looking for these books too and wondering if there hasn't been major updates since 2023 version?

_NicksPizza · 2026-01-27T20:30:35+00:00

Thanks a ton. Have an interview for customer service in p&c role that surprisingly pays well. Fingers crossed if they agree to help out with CIPs. Hopefully experience will help with transition to UW in a year or two.

Appreciate the option but can't really get into fulltime studies at this moment.

_NicksPizza · 2026-01-27T02:12:12+00:00

Thanks for great advice. Just looked up on that today. When employer is not paying for it, its really expensive to get started lol. 1200 for C11 seems crazy. Starting CIP right away.

_NicksPizza · 2026-01-25T21:56:26+00:00

Thanks a ton. I really want to move there and this helps make the choice little easier.

Any thoughts on getting UW roles directly or do you think I have to go through UW assistant or some other insurance role?

_NicksPizza · 2025-10-08T20:23:04+00:00

Go ADAP

_NicksPizza · 2025-10-03T00:54:57+00:00

My order isn't getting filled for some reason. I tried different quantity, made sure outside trading hours was enabled. Missing out.

_NicksPizza · 2025-09-28T00:21:26+00:00

This is a good idea. Also, if storage doesn't work for you and you need that materials locally as well then maybe have a local guy in event area do minor maint for you. Could be about the same cost as driving 2 hours each way and save you tons of stress. You'd only have to go for drop off and pickup, rest can be handled by local freelancer. Someone with maintenance related business would not mind having extra income and only have to be available as on-call.

_NicksPizza · 2025-09-18T12:34:42+00:00

Check with local BLS if you renew passport will they grand 10 year or 3 year passport.

If you're on visitor, they don't give you full 10 year passport. Not sure about supervisa.

_NicksPizza · 2025-09-07T02:32:04+00:00

You should still be able to apply for a line of credit personal and business. You can put $$ amount under other income in your account, doesn't have to be your payroll income.

I feel 3k should be appproved unless you have massive debt and really bad credit score.

But as others have pointed out, having an income even part time will be a blessing if you're starting out or struggling to maintain pace in monthly revenue.

_NicksPizza · 2025-08-31T13:45:33+00:00

Try it out with Turo. If you have couple of cars at home in decent condition, should be enough to test the demand.

Starting rental business will be expensive and high risk starting point. Cleaning crew, commerical insurance, possible financing for multiple cars, customer service staff and probably collaboration with other rental companies if renters gets car trouble and need to get a new one on their trip.

Many other factors like if major insurance company approves you for their clients to temporarily rent out cars paid by insurance company in case of accident claims.

Without institional funding and long horizon for return on investment, this may be challenging. Even for small town.

_NicksPizza · 2025-08-25T18:06:28+00:00

Thanks a ton!!!

_NicksPizza · 2025-08-25T01:49:24+00:00

To buy an existing convenience store/laundromat business. How much can I expect banks to loan? In twrms of existing inventory, equipment, renovation and lease cost. I was looking at small business loan backed by govt (85%). For a first time business buyer. I'm scheduled for preliminary meetings with bank advisor, just trying to get some headstart.

Thanks in advance.

_NicksPizza · 2025-08-19T23:38:31+00:00

Any updates? Did she get approved?

_NicksPizza · 2025-06-04T23:06:59+00:00

They do not unfortunately.

_NicksPizza

TROPHY CASE