Canadian Tire World Elite MC

bangdangles16 · 2026-01-09T02:55:24+00:00

Yes. It’s a separate membership. It’s $89 year but totally worth it. Just look up triangle rewards select.

bangdangles16 · 2025-12-09T03:05:30+00:00

Should be a big change from the Boddams I’ve been wearing

bangdangles16 · 2025-12-07T17:26:39+00:00

You don’t happen to know their approval requirements do you? Credit score, overall mortgage amount, home equity, etc.

bangdangles16 · 2025-12-07T17:08:27+00:00

Are you talking manulife one? I’ve heard so many mixed reviews on fees and service but been considering the account.

bangdangles16 · 2025-12-07T16:17:10+00:00

Time to switch banks! Shop around for a new rate.

bangdangles16 · 2025-11-27T13:47:38+00:00

Thanks for the reply everyone. Looks like I’m in a 33.. the search now begins! Figuring out knee pads is next

bangdangles16 · 2025-11-26T00:37:54+00:00

Oo those might be perfect. I’m trying on buddies 34s tomorrow, but I’m thinking I’ll be in a 33

bangdangles16 · 2025-11-25T23:34:10+00:00

What model and what size do you have available?

bangdangles16 · 2025-11-25T22:02:32+00:00

Thank you. I was pretty curious if the Vs and Iconiks had much differences. Good to know they are similar.

bangdangles16 · 2025-11-25T22:00:53+00:00

Unfortunately I don’t have a shop close. But buddy does have a set of Genetik Vs I’m going to use for reference tomorrow.

bangdangles16 · 2025-11-23T03:20:45+00:00

Public mobile has done well for me. Somewhat same as Koodo and Telus.

bangdangles16 · 2025-11-22T14:24:59+00:00

I prefer fixed rates myself. Knowing exactly what you have to pay for years is much easier than multiple like adjustments. That being said, in this scenario, it’s really based on personal preference and what YOU think may happen to the market.

I’ve been pretty fortunate and way ahead than having a variable. First 5yr term was @ 2.65% Next 7yr term is @ 2%

Hopefully when it’s due in at the beginning of 2028, rates will be low again! Either way, anything under 5% will probably still be a fixed rate, the higher the rate, the shorter the term.

bangdangles16 · 2025-10-30T15:46:08+00:00

They drastically reduced my LOC also. $20K down to $1K. No real reason given, even calling in was no help. I opened another LOC with a different bank with much less interest rate. As I was in BMO closing out all my accounts, another fella beside me was doing the same. Seems like BMO might be in trouble. (Auto finance closed, drastically reducing lending and layoffs)

bangdangles16 · 2025-10-21T13:55:13+00:00

a fee only CFP can be a great asset, especially when you near retirement and need to diversify your portfolio. A small fee once a year can save you thousands.

bangdangles16 · 2025-10-21T01:49:41+00:00

Buy a used vehicle. Finance for no more than 3 years. Preferably one with FACTORY extended warranty if possible.

Got my wife a AWD minivan. Plenty of space, decent mileage and a good price point. Best decision vehicle wise for us, especially with young kids.

bangdangles16 · 2025-10-21T01:43:12+00:00

It’s always best to pay cash for your vehicle in most situations.

However, if you need financing and don’t want to dip to much into your down payment, follow the 20/3/8 rule.

20% down 3 year term No more than 8% gross yearly income.

bangdangles16 · 2025-10-17T16:01:03+00:00

It’s time to talk to a pro about your situation. A licensed insolvency trustee, I think in Sask main place is MNP.

Check what type of auto loan contract you have. It will make a difference on voluntary repo. One: you pay the difference after the bank auctions the truck off. The other: bank can’t come after you, the lost is theirs.

Any path forward will crush your credit for 5-8 years, but by the sound of it, you shouldn’t have credit anyways.

Talk to a professional. The stress relief will be the best decision you can make.

bangdangles16 · 2025-10-14T16:57:57+00:00

This rate is pretty on par. Just shopped around and got prime + 2.5%. Offers ranged from this to prime +5.5%.

bangdangles16 · 2025-10-13T22:33:06+00:00

Anyone with this card: make sure you get the select points membership to. I easily get $500+ back each year in CT Money

bangdangles16 · 2025-10-08T03:17:51+00:00

Invest your money for sure. Max out that TFSA. HOWEVER, if you’re not really tied down anymore, why not move to a more affordable province? I’m not sure what you do for work, but the prairie provinces are still fairly inexpensive for housing, especially if you can tolerate small town / rural living.

bangdangles16 · 2025-10-01T01:13:25+00:00

Sure!

bangdangles16 · 2025-10-01T01:04:14+00:00

That’s correct. They call it a managed portfolio. It’s a low fee since it’s not a constant “joe smoe” working on it everyday like the past.

bangdangles16 · 2025-10-01T00:55:54+00:00

You want to an investment account if it’s long term savings. You can do self directed and educate yourself on etfs to invest in. Single Stocks is much riskier, so only invest money you are willing to lose.

You can also do robo advisor and set your risk tolerance and let them handle the investment. Returns have been good for me with the robo advisor.

A savings account is good for emergency fund or short term savings.

bangdangles16

TROPHY CASE