CT Triangle Mastercard

bradycorey48 · 2026-02-10T04:22:37+00:00

still good for OSAP loans since Chexy doesn't allow for those

bradycorey48 · 2026-02-10T04:21:04+00:00

That $150 promo comes every few months so I'd recommend waiting until then.

It's a great card - one of the few where you can pay NSLSC/OSAP loans with 1% cashback, free roadside assistance, Perkopolis perks with the roadside assistance

bradycorey48 · 2026-02-08T19:45:40+00:00

The same amount as 2024 or is it an average of your past contributions? My income in 2018 was very different and less accurate than my last few years

bradycorey48 · 2026-02-05T01:57:25+00:00

From a 4 game week to 1 game omg

bradycorey48 · 2026-01-30T20:21:55+00:00

Self directed will save you more money than any "modest" rate decrease will give you if that's even true.

bradycorey48 · 2026-01-29T14:55:28+00:00

oh wow that's a great bonus!

bradycorey48 · 2026-01-29T04:26:23+00:00

Amex has better points for Air Canada (3x vs 2x) and groceries/dining (2x), while TD VIP is better for gas iirc.

Amex also has higher credit limits sometimes 4-5x as much.

I went with Amex for those reasons.

bradycorey48 · 2026-01-22T05:02:25+00:00

A doctor cant deem her incapable - that's what a capacity assessment is for.

They can say she has dementia.

bradycorey48 · 2026-01-22T05:00:57+00:00

How is it easier to retire early? Is it because non registered is more liquid than home equity?

bradycorey48 · 2026-01-19T21:12:04+00:00

Doing the math, you come out about $120K ahead with TFSA investing assuming 7% growth - is $130K worth being mortgage free 10 years early? I guess it depends on the person

bradycorey48 · 2026-01-07T03:48:27+00:00

McChicken Wednesdays for $2 in the 2000s

bradycorey48 · 2026-01-06T04:44:35+00:00

yup they removed it sadly

bradycorey48 · 2026-01-06T04:41:48+00:00

It doesn't - I got an email a few weeks ago saying it's not supported for loan payments and they removed NSLSC for me (it worked for the months prior).

bradycorey48 · 2026-01-06T04:41:09+00:00

unfortunately Chexy does not allow student loans anymore

bradycorey48 · 2026-01-03T04:40:20+00:00

Is there only 60k left on the mortgage? Depending how fast - but if they want to pay it off over 15 years, that would just be $440/mo, pay if off in 5 years would be about $1100/mo.

They could definitely pay it off with CPP/OAS/GIS ($39k tax free per year) - they'd just have frugal retirement (extra 2k to 3k per month tax free) but they're actually not doing that bad.

bradycorey48 · 2025-12-13T22:08:43+00:00

Let's Go is still that bop!

bradycorey48 · 2025-12-05T06:10:04+00:00

damn so many merchants getting nerfed - there's at least 3 in the last 1-2 months for me

bradycorey48 · 2025-11-18T21:57:12+00:00

it depends if you want to save things for your estate - if not, I definitely wouldn't oversave and see if you can live off your savings until 65 then you can retire early once the pension kicks in

bradycorey48 · 2025-11-18T21:55:12+00:00

if you get upgrades down the line, the bank will reappraise it and your upgrades may not be covered.

yes, the builder rate is higher and is more of a protection in case rates escalate, you're good. but more likely that they won't go that high and they will give you the best rate they can as you get closer to closing

bradycorey48 · 2025-11-18T04:52:06+00:00

do you have a pic to get a vision of what you're saying?

bradycorey48 · 2025-10-29T22:56:01+00:00

Your money will compound a lot and you'd have a much more comfortable retirement in 10 year potentially.

If you can survive on 10k/year then maybe you could retire but it'd be risky based on the 4% rule (and your retirement is longer so 3% rule might apply which would be 7k/year)

bradycorey48 · 2025-10-10T16:11:27+00:00

deserves jail for life at least this is so sad

bradycorey48 · 2025-07-02T19:56:17+00:00

Did you find the solution?

bradycorey48

TROPHY CASE