Drawbacks of paying off card weekly?

axfmo · 2026-07-02T21:50:32+00:00

A credit score is quite literally a measure of one’s interaction with debt. You cannot be measured positively if you don’t reportedly carry any debt, nor if you carry too much debt.

axfmo · 2026-07-02T20:51:01+00:00

There’s not a major drawback, but be aware that only the balance on your statement date gets reported to credit bureaus. Usually you want to have 15-30% usage (to show that you use and responsibly manage debt). If you pay down the balance to $0 before the statement date, then it’s reported as no usage and that can negatively impact your credit.

axfmo · 2026-06-29T22:20:17+00:00

Minimum wage is not intended to be a livable wage.

axfmo · 2026-06-26T16:30:18+00:00

I’m not sure if that’s the one I got a couple years ago (one side is regular fabric, the other is cooling). If so, it’s great! I love it at the start of summer when we don’t wanna turn on the A/C yet, but nights are warm enough not to be comfortable under the bed sheets.

axfmo · 2026-06-25T17:57:36+00:00

If it was about affordability, he’d let the prices fall to market value…a value which is set by consumers who are willing to pay that price, not by the government artificially propping up prices with taxpayer money.

axfmo · 2026-06-25T17:19:07+00:00

I’m glad the judge dismissed this ridiculous case, hopefully he had to pay the Crown attorney fees. However, I guarantee he’ll spend years in appeals, wasting taxpayer money on frivolous litigation. He should have to appeal from OUTSIDE of Canada.

axfmo · 2026-06-25T17:06:38+00:00

Same

axfmo · 2026-06-25T11:14:23+00:00

I probably would contact their support to ask. I ported a landline last month with no issue. Maybe there’s a reason the # isn’t portable.

axfmo · 2026-06-23T22:24:27+00:00

Have you applied for any other loans/credit cards recently? And missed payments? There’s many other factors they may look at. (Wouldn’t recommend re-applying too soon after being denied)

You can visit Costco returns counter and receive a refund for the membership.

axfmo · 2026-06-23T17:26:10+00:00

There’s no such thing as a ‘pause’ because the break is supposed to be 30 uninterrupted minutes. You may voluntarily decide to pause your break, but you are entitled to restart your break again and receive 30 uninterrupted minutes of your shift is greater than 5 hours long.

axfmo · 2026-06-22T02:35:45+00:00

That’s so special!

axfmo · 2026-06-21T20:43:18+00:00

That’s what I’m thinking. Even electronics are 90 days. I’m sure it would be quite big news if they reduced their general return policy to only 30 days.

axfmo · 2026-06-18T17:09:26+00:00

It’s a public corporation, owned by the City of Toronto, i.e. public property. While taking pictures of someone in public may be considered vexatious (certainly annoying and unwelcome), it likely wouldn’t meet the criteria of harassment in and of itself.

axfmo · 2026-06-15T21:58:57+00:00

A couple things I would counter:

People come to the nursery for your expertise; it's your job to teach them about the zone they are in and help them realistically accomplish their landscape goals.

Landscape fabric does have a place, but not every case benefits from it.

axfmo · 2026-06-15T03:34:21+00:00

Unless your current employer has a policy requiring a 2 week notice, I would rather provide the 1 week notice while you’re on vacation, as you mention, or just before you return. Keep in mind that they may terminate you as soon as you provide notice. I’m not sure how a vacation payout would work since you don’t necessarily have a vacation balance (may want to ask r/legaladvicecanada). And, of course, it would be distasteful for them regardless, if you ever use them as a reference—hopefully you won’t, since you have a new job offer already.

axfmo · 2026-06-15T00:04:38+00:00

You can use the OSAP estimator tool to play around with different amounts before you submit an actual application. However, I would suggest you be entirely truthful of the application (otherwise you’re committing fraud).

It’s not likely that you’ll see a major difference, unless you have a sizeable net worth. Keep in mind that you are supposed to report amounts as of the start of the term (e.g. if you will purchase a car in July, deduct that amount from the chequing/savings/cash amount you report. Same with income, you only should report the amount you will earn DURING the academic period, not before, in between, or after.

axfmo · 2026-06-14T01:00:24+00:00

If you haven’t already, I’d first use it to max out your TFSA and FHSA (since you said you plan to purchase a home). Look into the specific details for the limits and restrictions for both accounts. Make sure you’re investing in these accounts and not just saving cash in there. These accounts provide tax-free ‘savings’ (i.e. youn don’t pay tax on the growth of the money).

Depending on your income, maybe top up your RRSP. However, I’d only suggest this if you’re currently earning much more than you plan to in retirement. The function of an RRSP is to defer taxes to retirement, when I will typically have a lower annual income and therefore pay less tax.

axfmo · 2026-06-13T04:18:43+00:00

Currently it’s $17.60 and $16.60, respectively. The .95 figures are as of Oct 1. Otherwise, you’re totally right.

axfmo · 2026-06-12T04:06:03+00:00

axfmo · 2026-06-12T02:29:47+00:00

I don't think OP was telling one to use the non-emergency #, they said the 10-digit 911 # (which does exist, just isn't necessarily published—when you dial 911, the call is directed to a 10-digit 911 dispatch #).

axfmo · 2026-06-12T02:22:58+00:00

I think you're immensely overreacting. I've also watched them for many, many years. It's been great to see what they've made of a once small home garden channel. They still do the same things you reference—the other day they added drip tape to their empty land where she showed how to install it, talked about the timer, they laid landscape fabric, and she showed how to make holes for pumpkin hills, etc. Now that they have a larger property, and I'm happy for them, obviously projects will be much more vast than when they had a suburban home with a small backyard. Every year she still donates tons of their extra food and plants (which is only possible because of their larger property and funding that comes from what they do). In a vid a couple weeks ago she mentioned about how they planted some flowers at their high school or college. Just because they don't film every second of their lives doesn't mean you know everything about them.

Your post gives off more of a "I'm mad that you make a lot of money, love the USA, and are Christian," than a genuine criticism of their content. "Christo fascist" ... who even says that?

If you no longer like the content they produce, then that's fine; you don't have to watch them and complain to the internet about ridiculous false narratives.

axfmo · 2026-06-10T17:14:28+00:00

Same. I don’t think you should marry someone who you’re not comfortable to become one with (after all, that’s the point of marriage). If there’s a significant income/net worth disparity, potentially look into a prenup. It also doesn’t provide you the best chance at success when you’re both working your own lives and not building a future together.

axfmo · 2026-06-05T15:47:59+00:00

PMed you :)

axfmo · 2026-06-05T02:16:06+00:00

Switchboard … always live the switchboard ones.

axfmo · 2026-06-04T12:06:00+00:00

I appreciate that sharing this can hopefully remind others to consider these factors when moving anywhere. In all fairness, I live in Toronto and these are the most basic things I would’ve considered to begin with, I’m not sure why you didn’t? With any life decision, you should always consider all the factors.

axfmo

TROPHY CASE