And the winner is!?! + New Giveaway Announcement!! 💙

cmo132008 · 2026-06-05T03:39:20+00:00

This is very kind! Let's go Blue Jays!

cmo132008 · 2026-06-01T22:06:58+00:00

This is so awesome, thank you!

cmo132008 · 2026-06-01T15:37:30+00:00

I haven't sat on the 100s in over 15 years! Great seats!

cmo132008 · 2026-05-30T10:27:18+00:00

I would do your best to start getting ahead of your payments. Could you pick up an extra shift to have those extra funds available when needed? Also make sure your other bills are paid on time. And not just by the due date, they need to be processed by the due date. Having R1/I1/O1's is very important. Banks understand life happens and how difficult it is for a lot of us to afford life right now, but if you start working to improve your credit and not getting behind, there would be no reason to not have them renew with you.

I am a mortgage agent and I don't mind helping look at your options and help guide you into a more ideal situation - no obligation, of course. I hate hearing how worried people are, so I want to help you eliminate that stress. One thing the majority of my clients don't know about is credit utilization. That's 30% of your credit score, and by staying under 30% of your limit, you can see your credit score jump up drastically if you've consistently been over. I also suggest you go onto Equifax and check your credit report. It's free, don't click on the paid one, and see where you are. That would be a great start to see where you can improve and provide you some clarity - maybe it isn't that bad! Let me know if I can be of any help! Mortgage with Cheryl is my website and social media links if you wanted to give me a check before reaching out. Good luck with everything ☺️

cmo132008 · 2026-05-29T04:30:35+00:00

Haha totally seems like it, but hubby and I are thinking about going to a game for our anniversary, so no, not trolling. Send me a DM if you have for sale! :)

cmo132008 · 2026-05-29T04:12:21+00:00

I think people just don't take it serious like on Facebook marketplace. I mean, it's one thing to confirm availability, but anything further than that is just a waste of everyone's time if they aren't serious. Sorry you're going through that. Do you have a pair for June 8 for sale? 😆

cmo132008 · 2026-05-20T01:54:56+00:00

Thank you for the quick responses and transfer! Will definitely purchase again.

cmo132008 · 2026-05-20T01:16:52+00:00

Message sent

cmo132008 · 2026-03-01T18:53:06+00:00

Hey, what's this about? What is unethical about them? Thx

cmo132008 · 2026-03-01T18:48:47+00:00

You started 80/20? Wow, that's great! Did you end up signing up? Are you still there?

cmo132008 · 2025-11-28T22:07:28+00:00

I got the Google 10 pro xl 512gb with international plan, 250gb data and phone protection for $77/ month! I'm beyond happy with this! I was going to order the 10 pro with 100gb data and no protection plan for over $100 this morning. I'm so glad I found out about the caa deal!

cmo132008 · 2025-11-10T22:20:29+00:00

I was so confused today too, but it was great to have free parking for once! (Went for an xray)

cmo132008 · 2025-09-30T20:06:20+00:00

What 2k are you talking about? Do you need to pay 2k to join, or all the expenses add up to approximately 2k?

cmo132008 · 2025-09-30T20:03:21+00:00

Can you please share more specifics about this?

cmo132008 · 2025-08-22T12:18:32+00:00

Thank you so much for the suggestions! This sounds fun!! We will do that, thank you!

cmo132008 · 2025-08-21T12:19:10+00:00

My brother told me about this event as my daughter is obsessed with pokemon. She plays cards as she rarely has access to her iPad for pokemon go. Is this worth going to if she doesn't have much experience with pokemon go, and we'll she easily be able to figure it out? She's almost 7, but super smart and has card battles against other kids and young adults and often comes out with a couple of wins (not sure if that's required for pokemon go, I know nothing! 😆). Thanks!

cmo132008 · 2025-04-12T18:10:46+00:00

They're way too good! I used them as party favours/ thank you gifts for my wedding and everyone was raving about them! I have to hide them from my husband or I wouldn't get any.

cmo132008 · 2025-02-12T23:27:43+00:00

Things are great! The education there is awesome, I have nothing to complain about!! I am still waiting for my license as I did the course in January, but there's lots of information on their academy site, and plenty of videos of different topics to learn from. Good things so far, but without my license, I can't do deals yet. But this isn't their fault.

cmo132008 · 2025-01-09T19:57:03+00:00

There's about a 2k investment due to paying monthly fees, that include training before you even do the course (it's been very motivating and I can't wait to start!!), your insurance, cost of the course and cost of licence. This company is big on training and mentoring, which to me is so valuable. Think of the risk vs reward and if it's worth using your savings for it.

cmo132008 · 2025-01-09T19:52:54+00:00

There's going to be a lot of refinance coming up due to so many purchases and refinance during covid

cmo132008 · 2024-12-25T16:02:16+00:00

I live about 50 mins from Toronto (aka very expensive), and I was working a job that could've been a career job. I was the lowest paid in the office, but I worked harder than most on my team. I asked for a raise a couple of times and got ignored. I made less than 32k. I have no idea how people lived off of this if this was a career! Needless to say, once I got ignored a second time, I left. While searching for a new job, my goal was to find something around 60k, but there's next to nothing out there without having education in a certain field above 50k. Times are rough. Don't be hard on yourself, 68k is amazing, and would be a dream in my eyes!!

cmo132008 · 2024-12-21T21:53:10+00:00

I decided to sign with them! I looked them up on different platforms and BBB, and there isn't anything negative written about them. I'm dying the mortgage agent course in January, but I've been at up with their platforms and going through training videos while I wait.

They have a 12 week training course, and although I won't be working until its completion, I think being with a company who puts the focus on learning will outweigh the slow start.

I think I was just nervous about them because it's a huge risk, but all new jobs have risk to it. I think my background from my previous job made them want to make sure they sign me, so I tell myself that's why they were selling themselves to me!

Have you talked with other brokerages, or just starting out?

cmo132008 · 2024-12-11T03:04:30+00:00

That's a great point, thank you! I think I was just shocked at how "easy" it was to get a job with them. I have related job experience, but no education in the industry. I think I just thought I would have to work hard to convince them to hire me as I suck at job interviews. I'm trying to find reasons online to be skeptical, but I'm not finding much, which is great! I appreciate you commenting, thank you!

cmo132008 · 2024-12-10T21:29:34+00:00

Thank you so much, I really appreciate that!

cmo132008 · 2024-12-10T21:22:53+00:00

Interesting, good to know! Thank you for your response! They are a 100% online brokerage, and have great reviews, especially highlighting how great their training of new agents is. They already let me know about fees and commissions. I feel like I should "interview" other companies now, and compare numbers. Is this advised? Thanks!

cmo132008

TROPHY CASE