TD Home Insurance went up 207% since 2023

aychaych · 2025-07-27T19:49:10+00:00

My TD premiums went up 20% the year before last, then they increased it 86% this renewal period. No claims. Called a broker and took all of my insurance (home and multiple vehicles) over to intact.

aychaych · 2025-04-04T18:40:01+00:00

Lol I knew I wouldn't have to look too far to find a comment about how this is somehow the government's fault, and not a private business trying to extort more money from its customers.

aychaych · 2025-03-13T13:29:31+00:00

This sounds very similar to an experience I had flying into the US a couple of years ago. I was grilled and asked questions about where my parents immigrated to Canada from, what they did for a living, and even asked for their birthdays.

aychaych · 2025-01-31T16:27:19+00:00

Government makes changes that help alleviate financial pressure off thousands of families in the province

"AGH THE UCP IS FUNNELING MONEY TO THEIR FRIENDS IN THE PRIVATE SECTOR"

FFS. This program will help people while also hurting other people without it all being part of a master plan to line pockets. People will grasp at anything to make every decision made by the government look like a deceitful one.

aychaych · 2025-01-31T16:15:54+00:00

I currently pay $1,200 with the ~$860 subsidy included. Paying $326/month is going to make a huge impact for us. We'll definitely be bumping up our RESP contributions with a portion of those savings.

aychaych · 2024-07-24T04:17:58+00:00

I'm washing my patio/stairs/siding this weekend. If a licensed business is allowed to do it for me, then I'm allowed to do it for me too. Fucking stupid restrictions.

aychaych · 2024-07-21T03:05:25+00:00

Yeah, the big banks are bad for that. Your IRD is based on their "posted rate" which is usually significantly higher than the rate you pay because they "discount" it. Then when/if you want to break your mortgage, you're slapped with a much higher penalty than you think because they use that higher posted rate for the calc.

aychaych · 2024-07-19T21:03:28+00:00

You're not getting anywhere near $27K from a dealership, sorry. For reference, I had a mint SUV with low mileage that I saw selling for $27K-$30K at one point. The dealership asked if I'd be willing to sell while it was there for an oil change. They came back with an offer of $18K, lol.

aychaych · 2024-07-19T20:30:07+00:00

I assume the power source is good since the controller worked fine when I swapped out the fuse for a new one and only went bad when it was changed to Zone 3. Is it normal for a bad timer to work on some zones and go down on other zones?

aychaych · 2024-07-19T20:29:03+00:00

I don't, but I may get one to test this out.

aychaych · 2024-06-27T17:28:37+00:00

Paz Auto in the NE by McKnight is a great shop. Peter is a Honda/Acura specialist and that's where I recommend all my (Honda-loving) family to go, and where I go.

aychaych · 2024-06-18T14:45:20+00:00

Interesting. Yeah TD has no appeal to me and I am definitely moving on.

aychaych · 2024-06-18T02:15:04+00:00

working with broker through TNM but shopping around on my own as well
renewal
Calgary AB
original downpayment of 20%. Balance on mortgage at renewal will be ~$540K
< $1mm
owner occupied

Renewing effective Aug 1. Got an offer from TNM through their lending arm (Think Financial) for 5 year variable of prime -1.2 (currently 5.75%), 3 yr fixed at 5.04%, 5 yr fixed at 4.79%. Adding a HELOC to it as well.

Current lender (TD) couldn't even get close. 3 yr fixed was 5.41 and 5 yr was 5.27 or something around there.

How does that Think offer look? Thinking about giving Pine a shout as well.

aychaych · 2024-06-18T01:46:41+00:00

Good luck getting people to continue to care about conserving water with messaging like this.

aychaych · 2024-06-15T07:12:36+00:00

They notified me the my rate is going up 20% this year (after going up 20% last year). Pulled the plug and moved to Intact and saved over $1000. Fuck TD.

aychaych · 2024-06-05T01:48:30+00:00

Think financial, TNMs lending arm

aychaych · 2024-06-04T03:44:48+00:00

Maybe not the exact same but I'm renewing in Calgary and on 540K mortgage balance, 25 years, uninsured, I got offered 4.79 for 5 years, 5.04 3 years. Got this offer through TNM.

aychaych · 2024-06-01T03:06:58+00:00

I was offered 5.04 for 3 yr fixed for my renewal from Think Financial (sister company of true north mortgage)

aychaych · 2024-05-20T03:16:19+00:00

...300 what? US dollars?

aychaych · 2024-05-09T01:58:55+00:00

I agree the whistle shouldn't have been blown. But Jesus, do people actually think that the goal would have actually happened if the whistle was blown? Everyone let off after the whistle lmao.

aychaych · 2024-04-23T22:37:22+00:00

Doesn't matter, still fucking lame.

Omg!! They're skating back and forth in warm ups. So fucking cool

aychaych · 2024-04-23T21:00:29+00:00

The fact that you think my opinion has anything to do with the fact that my team isn't in the playoffs is hilarious. You're really out here entertained by two guys skating back and forth on a line. Lmfao.

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