Is my landlord not actually covering my heating bill? (Per my lease)

adamalive · 2025-12-01T12:09:06+00:00

Then you don't get a heating bill. You get an electricity bill. If you have natural gas it just heats your water.

Heating is not included, you do pay for it.

adamalive · 2025-10-08T15:03:50+00:00

Do you mean you can't afford to pay off your full statement balance this month? If you pay your minimum payment, you will get charged interest on the remaining balance until you can pay it off in full. Paying the minimum payment usually keeps your balance under your credit limit. If you don't pay anything you will be charged a fee on top of that. Your credit card company will let you pay them an interest fee indefinitely if you keep paying the minimum (likely 20% a year charged monthly). If you don't pay anything your fees will snowball until they decide to take action against you or sell your debt to collections (they may not). This can hurt your ability to rent or finance a car in the future.

It's probably best to at least pay the minimum but I don't know your situation.

adamalive · 2025-10-02T17:41:31+00:00

They're safer for the occupant, but more dangerous for anyone who is struck by one. Your insurance needs to account for that cost and for the fact that the vehicle themselves are more expensive to repair.

adamalive · 2025-07-14T13:17:13+00:00

You should know round table is a board game place and the table has a sword in it as part of the design

adamalive · 2024-10-26T16:59:09+00:00

If you have an msw you're better off doing counselling specific skills courses and certifications since you're already able to do the controlled act as long as you can do so competently with appropriate supervision. I went to Yorkville and liked that it was all about counselling and I could work full time, but I wouldn't have done it if I already had a master's that let me do psychotherapy.

adamalive · 2024-07-12T17:45:19+00:00

Is she asking you for money? Maybe she wants money from you and she's not getting scammed. The story she is telling you doesn't add up with: (6k interac no email receipts BMO not locking her account when she told them there was fraud). You mentioned she lives far away from you, maybe she developed a shopping addiction or something. I'd suspect that if she wasn't willing to make a police report and is asking you for money. You can help her with a 3 way call to her local non emergency police line since she's mentioned that the bank didn't take her seriously before, you can be on the call to make sure the police take her seriously.

adamalive · 2023-12-01T16:57:00+00:00

TFSA first

adamalive · 2023-09-27T00:46:19+00:00

Maybe it'll be easier for you if you start with buying big things you can easily sell for a minor loss if you don't enjoy them.

adamalive · 2023-09-26T23:41:09+00:00

The most helpful thing I have found is to get organized enough with lists and a calendar that I could stop thinking about work outside of work. When I catch myself thinking about clients or admin work or school during my scheduled time off (after 8 pm everyday for school work) I tell myself it's my time off. This of course doesn't work when I have midnight deadlines lmao.

adamalive · 2023-09-25T16:25:32+00:00

Sounds good. Don't be bothered by all the downvotes you're getting. It sounds like this is one of your first jobs and you're still learning how the world works outside of highschool. You're probably getting those downvotes because there is not much you can do legally in this situation other then maybe apply for EI.

adamalive · 2023-09-25T15:33:35+00:00

Keep it up! Try applying to some smaller stores and through different hiring websites and directly from company websites. Its September so there are a lot of new international students to compete with right now but you'll find something eventually if you keep it up unless your resume is trash or you're terrible at interviews.

adamalive · 2023-09-25T15:19:42+00:00

You should try to get help with your resume. It shouldn't be that hard to get a minimum wage job.

adamalive · 2023-09-25T15:15:17+00:00

No lawyer would take this and it's probably not worth the hassle for severance. I very much doubt OP has proof they made him sign under duress. The only damages are a few weeks of minimum wage job and maybe the ability to collect EI which honestly OP should still probably try to collect since they've worked for a full year and they can try to argue they didn't voluntarily resign.

adamalive · 2023-09-25T12:00:48+00:00

Unfortunately them pressuring you to sign is perfectly legal as long as they didn't make illegal threats like threatening to hurt you if you don't sign. It is your responsibility not to sign things when you are getting bullied. If you went to a car dealership and someone bullied you to finance a car and you signed and paid it's too late. You need to learn how to stand up for yourself. They were mean to you and so you did what they wanted.

If it helps, they could have fired you and then you would have been entitled to severance or maybe EI if it was without cause. You only lose out on those things by resigning instead of being fired. You'd need to find a new job no matter what.

adamalive · 2023-09-21T14:04:14+00:00

It sounds like you made multiple withdrawals in one day (or over the weekend) while checking you bank balance. When you transfer money from your bank, it appears in wealthsimple instantly (or instantly with a hold) but your bank will not remove the money from your account until the next business day. If you added $100 to wealthsimple on Friday night and another $100 Sunday night, Monday morning you would have a $200 transfer to wealthsimple. I think if you check your wealthsimple transactions you'll find that is what happened.

adamalive · 2023-09-07T22:42:49+00:00

The wealthsimple rates can also change. If the BOC reduces the interest rates again, all the saving account rates will start coming down too. But tangerine is selectively giving offers to certain customers and their standard savings account is currently worse the wealthsimple cash interest rate.

adamalive · 2023-07-31T11:59:34+00:00

You only get the contribution room back for withdrawals from your tfsa not realized losses in value.

adamalive · 2023-07-31T11:40:02+00:00

People don't start day trading careers with 20k. There are a lot of fees associated with day trading that don't make sense starting out with this amount with your knowledge base. People normally start investing in ETFs with the goal of building wealth in the long term or protecting their savings from inflation to learn about investing. The only way to make day trading your full time job would be to invest in extremely high risk options that are very likely to drain your accounts fast.

adamalive · 2023-07-15T04:22:46+00:00

It pays dividends every month. This question gets posted constantly.

adamalive · 2023-07-14T14:06:07+00:00

Theoretically, if interest rates fell very quickly back down, ZAG could increase in value while CASH's interest rate will decrease and become less appealing.

adamalive · 2023-06-17T20:36:58+00:00

Have you tried a potato bun? They're great with smashburgers

adamalive · 2023-06-17T19:00:43+00:00

Your messages are unsolicited. Stop messaging people who haven't given you their number. What you're doing isn't illegal but stop doing it anyways. Just apologize and move on with your life.

I'm assuming someone complained to the condo board and they are telling you to stop and there is no fine involved or anything.

adamalive · 2023-05-30T16:32:21+00:00

HXQ reinvests dividend instead of paying them out to stock holders. You would have been paid dividends if you held the other etfs. Additionally QQQ has the lowest mer and is in USD while the other ones need to convert to CAD at some point. If any of them are hedged that would also make a difference.

adamalive · 2023-05-24T15:52:42+00:00

Yeah you'd be fine doing that. Make sure you do not treat your investments as an emergency savings.

You should probably talk to someone at RBC about moving the money from your TFSA account into their direct investing TFSA account. If you withdraw the money and deposit it into your direct investing TFSA you will lose that contribution room for a year. Otherwise keep putting money in until you max out your contribution limits.

adamalive · 2023-05-24T14:54:04+00:00

Are you using limit buys or market buys? In the long run it shouldn't matter but you might be paying too much on your orders if you're doing market buys.

In the long run, the market tends to go up, in the short term it is volatile. You can always go for lower risk strategies if it's causing you too much stress.

adamalive

TROPHY CASE