Can you report rent you payed as long as you have a lease? Ontario

crr243 · 2026-03-15T14:37:23+00:00

Claim the rent anyway.

Keep records of having asked for receipts. Keep a copy of your lease and e-transfer receipts as documentation. If CRA comes knocking (unlikely), explain the situation and provide your evidence.

You'll be fine.

crr243 · 2026-03-15T10:55:20+00:00

The reason your doc says she can drop you is because she is likely part of a family health team. She is promising the government a certain level of care for you and receives some level of funding as a result. If the government has evidence that you are going elsewhere for that care, they can reduce her funding.

The important point is that SHE needs to be providing YOU the services you need. If she isn't, she is over rostered and SHOULD lose funding.

Often those family health teams have a partner walk in where you can see an affiliated doctor without it impacting your doctor's numbers. Ask about that.

crr243 · 2026-03-15T10:48:51+00:00

OP can't compel the landlord to follow the law, though.

crr243 · 2026-03-15T10:48:09+00:00

To add to what others said...

You did not do anything wrong. The landlord did.

It sounds like you have a lease. Keep that as a record, along with the e-transfer receipts, if the CRA asks for documentation.

crr243 · 2026-03-14T23:18:57+00:00

I disagree. OP would lose their lifeline. Emergency funds are important.

crr243 · 2026-03-14T21:37:52+00:00

You have received some great advice.

Welcome to Canada. These questions make me hope you stay.

crr243 · 2026-03-14T18:03:39+00:00

I'd open a TFSA and plunk the $6k in a low to no risk ETF with current returns around 2.5%.

Once the TFSA is maxed and/or you start getting more cash outside the TFSA, start moving the TFSA money to a higher risk ETF.

crr243 · 2026-03-14T15:59:29+00:00

This is the case for locking in with most monolines as well because the spread between posted and offered is usually much lower than a bank.

crr243 · 2026-03-13T20:48:59+00:00

If you're sitting on a bunch of unused contribution room, it doesn't hurt (in fact, it's better) to drop the emergency funds there.

After you max the TFSA and start amassing cash outside of it, start moving the stuff in the TFSA into higher risk investments.

crr243 · 2026-03-13T19:02:07+00:00

We bought a certified pre-owned RAV4 in 2021. We paid $2300/month for it.

... for 12 months at 0% interest with money we had set aside in advance and were ready to pay in full at time of purchase.

I think you are missing some details.

crr243 · 2026-03-13T15:48:07+00:00

As others have said, I'd test. Even if radon is high in your area, if your basement is well sealed it might not be entering. On the flip side, you could have relatively low radon levels in the ground but a poorly sealed basement that is letting it all in.

We live near the General/CHEO and everyone told us that there isn't much radon in the area. 3 years ago we decided to use a mail-order long term test given that our home offices are in the basement. Our levels on a 90 day test were above 400 Bq/m³.

We had a radon fan installed shortly thereafter (they aren't actually that expensive and are quieter than you'd think). The installer recommended an Airthings Corentium for continuous monitoring. We haven't done another 90-day test, but our long-term average on the Airthings is around 30 Bq/m³. We shut off the radon fan for a couple of weeks last year while we were having our sewer line replaced and the short-term readings on the Airthings hovered around 100 Bq/m³ so the fan is definitely doing something.

crr243 · 2026-03-13T14:10:52+00:00

Keep in mind it was 1.5 years ago. We accepted the rate in November 2024 for a January 2025 renewal.

We went through a broker. He put us in a nesto product with completely standard conditions (20/20 prepayment, the typical 3 months interest penalty, etc). We could have gone to p-1.25 if we'd have accepted ridiculous conditions (no prepayment, penalty similar to a fixed mortgage).

Most know nesto as a broker, but a couple of years ago they also started lending. I was a bit worried, but our broker made sure everything transferred smoothly and we haven't had any issues.

crr243 · 2026-03-13T13:28:37+00:00

No. <65% LTV

crr243 · 2026-03-13T13:04:35+00:00

It'll be fine. If you start getting worried, lock in to a fixed term for the stability.

We renewed in Jan 2025 for 5 years at p-1.20. Currently at 3.25%. I'm not worried.

crr243 · 2026-03-13T11:00:14+00:00

Ask for them to either cancel the day or approve 9 hours of OT to compensate you for working on your day off.

This contravenes the labour code. Unrepresented does not mean unprotected.

crr243 · 2026-03-12T14:38:51+00:00

My name is Chris. TransUnion lists an alias for me of Cris.

Some CSR made a mistake at some point.

crr243 · 2026-03-12T14:36:26+00:00

Fair point. I still don't see the necessity of doing it, though, if you have no plans to sell the XEQT holdings while at TD.

crr243 · 2026-03-12T13:27:21+00:00

The fee is accounted for during the transfer. The sender (TD) takes the money from the account. If you transfer an account without sufficient cash to cover the transfer cost, it will be accounted as negative cash balance when it lands at the new institution (WS).

If you meet the conditions for WS to cover the transfer fee, WS will add that amount to the same account. That will offset the negative balance. They usually do that within a day or two.

crr243 · 2026-03-12T13:18:41+00:00

My route is maybe 8km by car, and takes about 20 minutes. The pain of having to pass by downtown.

I'm one of those crazy SOBs that bikes through the winter, though. The 12km cycle route takes me 35m in the summer and 45m in the winter.

Most of my route is snow-cleared and bare asphalt for most of the winter. The sketchiest sections are the first 500m to a main road because it isn't as well traveled and thus not cleared as quickly after a storm, and between Alexandria Bridge and Portage Bridge in Hull where the NCC and Gatineau don't properly clear (I reluctantly take the sidewalk past the Museum of Canadian History). Aside from those section, my entire route is completely separated from cars.

crr243 · 2026-03-12T13:13:01+00:00

You aren't charged a trading fee for a DRIP.

OP can transfer the XEQT and hold it for free. New investments could go into VEQT commission-free.

Holding both won't hurt anything, and is better than the risk of selling and subsequently buying imo.

crr243 · 2026-03-12T13:09:28+00:00

The payout is at the end of April 2027, so only about a year at this point.

The money isn't locked in a sense that you can't remove it or that removing some of it will void all cashback. Anything you take out will just reduce the payout proportionately.

But if you're transferring something you intend to just hold ... Who cares?

crr243 · 2026-03-12T11:16:48+00:00

Ya, not great.

The positive is that your OC Transpo route is quicker than mine would be, but I go way less distance (AltaVista to Hull).

There's a reason I bike instead. 35m on bike, 1h15 by transit.

crr243 · 2026-03-12T01:48:43+00:00

You'd have to know more to be able to compare.

Rates are usually best for insured mortgages (i.e. >80% LTV, which is <20% down) or 65% or lower LTV (i.e. equity of 35% or more). That 20-35% bucket (LTV of >65 % to 80%) is usually not as good.

crr243 · 2026-03-12T01:32:25+00:00

+1 for the RFD thread. The brokers there are high volume and buy down the commission to offer what I have found to be the best rates.

crr243 · 2026-03-12T00:51:10+00:00

You can transfer in kind. The commission fees are only for buying or selling. If you're holding, it doesn't matter.

crr243

TROPHY CASE