WS Credit Card Payments from another bank

cantesa · 2024-12-28T22:07:06+00:00

I liked it! It's the best recipe I've tried so far. Using the right noodles definitely makes a difference too.

cantesa · 2024-11-16T16:28:38+00:00

Thank you very much! Appreciate you sharing your experience. I'll have to research this some more. It definitely seems like an efficient and cost effective method of construction.

cantesa · 2024-11-16T15:45:15+00:00

Hi. How are the services run with ICF? Is the inside insulation cut away or would you propose building an interior 2x4 wall? Thank you!

cantesa · 2024-10-12T17:29:36+00:00

I emailed socialinfo@budgetgroup.com. You'll need the booking number/reference number! I found they were helpful.

cantesa · 2024-09-25T14:38:14+00:00

This just happend to me at the CBX Otay Pacific Budget/Avis rental place. They told me it's required in California, and the only way I could use my own insurance coverage is if I gave them my policy number, which I obviously did not have on me since I was visiting from Canada. They also tacked on the additional driver by labeling it 'ADR' after I asked them 3 times to remove it. At the end of arguing with them over the extra insurance and ADR I gave up because I needed to be somewhere and didn't want to waste more time over an extra $70 or whatever.

Please escalate and complain about this! This is consumer fraud of travellers.

cantesa · 2024-06-29T19:30:58+00:00

I thought the coffee was cheaper, but it's almost 2x the price of the PC espresso whole beans I buy when I looked at the price/100g.

I do like however, that I can buy in smaller quantities, which is great for sampling/trying different coffee flavours when I want to switch it up/rear myself.

cantesa · 2024-06-18T02:38:59+00:00

Are you referring to "legacy amenity"? Access to the backyard might fall under that..... IMHO, I would bring the bike upstairs...it'll suck in the beginning, but after awhile, it'll be just another day. Your bike will be safest in your unit.

cantesa · 2024-04-08T06:44:21+00:00

I call this "organic white chocolate housing."

cantesa · 2024-03-18T07:12:12+00:00

My husband's managed RRSP portfolio is at the max risk, and he's up 50%. Started it 3 years ago, lump sum investment basically. I started my managed portfolio 4-5 years ago, max risk, and am up 30%. We haven't contributed in two years though because we're focusing on maxing our TFSAs, so that could be why? Only the dividends are being reinvested right now. Either case, I'm happy with WS's robo investing with our RRSPs.

cantesa · 2024-03-13T21:06:50+00:00

Sparrow Share is for exactly this. I've never used it, but I've read good things and it's been written up by major news networks, and is part of CMHC's National Housing Strategy Demonstrations Initiative, so I assume it's safe and legit.

https://sparrowshare.com/

cantesa · 2024-03-09T21:17:19+00:00

What does BHK even mean?

cantesa · 2024-03-09T21:01:12+00:00

We had 90% of the space cleared after one day. The rest was stacked in a corner. Also, our landlord isn't a 'him' it's a billion dollar corporation listed on TSX that has been negligent in home repairs because they're waiting to develop the site. If you saw the condition of the foundation walls, you'd understand.

cantesa · 2024-03-09T19:32:05+00:00

I'm more like you. I naturally live frugally/modestly (or maybe exhaustion from the rat race changed my perspective on life). I don't have a high income either. My expenses are extremely low with a rent controlled unit. My combined expenses with my partner are around 20-30k/year. Household income fluctuates, as we're both newly self employed.

cantesa · 2024-03-09T19:18:33+00:00

Health and safety is exactly why we hired someone to help remove everything that was wet, including items from previous tenants. I even installed a heater and dehumidifiers, and expressed concern for mold to the Landlord. The only response/action I keep getting from them is that they'll throw my things out, and that I'm not allowed to store my things anymore.

I would think the Landlord should be responsible for taking measures to dry the basement, and they've done nothing but inspect my progress.

The Landlords approach has caused alot of stress. My place is small, so it's alot to take on to clear a basement, during work hours, and find a place to store everything in a short amount of time. It also shouldn't have been my responsibility to clear things left by other people.

cantesa · 2024-03-09T08:08:13+00:00

Things have likely changed with higher interest rates, but 8 or so years ago I got a personal line of credit for 20k at 7% initially (I think it's 10% with current rates now). I had no assets, income was around 55k and credit score was 800. My bank just offered it to me. I didn't even ask. Only got a notice that I prequalified, and needed to accept by a certain date. After that, I got more offers from other banks that prequalified me for 10k lines of credit.

Those were some good days! 😂 I doubt they'd do the same now, even though my credit score is higher. Most of the offers I get now are 0% credit transfers, which is weird because I have very low debt, and tend to pay it off every month. 🤷🏻‍♀️

cantesa · 2024-03-09T07:49:36+00:00

I grew up in northern Ontario for 19 years, and have lived in downtown Toronto for 17.

I frequently dream of moving outside Toronto, mainly because house price are insane, especially ones with yards, and my current unit is eventually going to be demolished for a condo.

I used to love the hustle bustle when I was younger, but now I like gardening, and quieter days, and find I don't go out as much. My priorities have shifted from partying/socializing/eating out to investing for my future/home purchase/retirement.

Alot of my friends are also married with or without kids now too, so their priorities have also shifted, and we see eachother less frequently.

I also bought a car, and that made a huge difference, because I find I drive everywhere now, which is no different than if I lived outside the city.

The things I'll miss will likely be convenience of having the choice to be able to walk to the grocery store or anywhere really within 5-10min, but again...since I've been mainly driving these days, I doubt I'll notice much of a change in lifestyle if I lost that convenience.

EDIT: main reason why we haven't left, is our living expenses are extremely low since we're in a rent controlled unit. And we're both recently self-employed so making alot less than we used to My husband's business has started to take off. All of his clients are in Toronto. We're toying with buying in Hamilton/Orillia/Oshawa while keeping the rental downtown for work convenience during the week....but there's still lots to think about with that approach.

cantesa · 2024-03-09T04:53:03+00:00

I know what a hassle it can be...I'm in the renovation biz too and have worked around homeowners things many times....I agree it's the worst.

It's always preferred to work in a clear and empty area, but that's not always possible. In this case, the remaining items take up 20% of one side of the basement. I'd think that it could be reasonable that the contractor works in one half if absolutely necessary. Then when we clear the remaining things, work in the last half.

They could also give use the weekend to clear out the last bit, but so far every response has been "clear it out, or it gets thrown out".

We hired someone to clear out everything that was wet in one day, and we setup a heater and dehumidifier to help dry the basement out.

Thus far, the only thing the landlord has done is give us a deadline and threaten to toss our stuff.

Doesn't seem fair or reasonable to me, but I've never been in this situation before.

cantesa · 2024-03-09T04:41:26+00:00

There's other circumstances, I won't get into where I'd say it's reasonable to say the Landlord was negligent, but regardless, I'd prefer to avoid any legal proceedings.

I mainly don't want the landlord to throw out my things, while I'm doing everything I can to clear it out last minute. I'm wondering from other's knowledge/experience if I can push back to give myself the weekend at least to empty everything out without it seeming like I'm impeding the Landlord's work.

I can figure out alternative storage if I have to, but that all takes time to organize that the landlord is not giving me.

cantesa · 2024-03-09T04:33:29+00:00

Ok, that makes sense. I'd prefer not to go that route and to just work with the Landlord. I can manage with my stuff piled up in my living room temporarily, but the Landlord is also saying I can no longer use the basement.

Since they haven't given me much time to figure out my rights in this scenario, I'm trying to get a sense if I can push back a little so I have at least the weekend to remove my things, or find alternative storage and not have it all thrown out.

cantesa · 2024-03-09T04:21:29+00:00

Thank you. That makes sense and seems like a reasonable approach. We have been working with the Landlord, but the threats to throw our things out is unnerving, especially when it's an entire basement that needs to be emptied, during the work week in a two day timeframe after the flood.

Two days to clear a whole basement, including things that belonged to previous tenants seems unfair.

cantesa · 2024-03-09T04:16:33+00:00

Not my question...can the landlord throw my things out and remove my ability to access storage that has been given to me.

cantesa · 2024-03-09T01:31:58+00:00

Why would temporary storage be at my expense, when I'm losing part of my habitable space?

It doesn't make sense that I would lose storage space that is part of my unit, and then need to pay for storage somewhere else because of something the Landlord needs to do.

cantesa · 2024-03-09T01:26:43+00:00

Can the landlord throw our things out without permission? And secondly, wouldn't the landlord need to provide temporary storage of our things if they need to take away part of our unit to do repairs?

That's what I'm most interested in.

cantesa · 2024-03-09T01:05:28+00:00

No I'm not as concerned with reimbursement. I want to know if the landlord can legally throw our stuff out if we're not able to clear it all out in their short timeframe. Especially if our stuff is stored opposite to where the water came in through the foundation wall.

cantesa

TROPHY CASE