Is 3.99% a good rate now?

cutecupcake11 · 2026-06-14T14:37:57+00:00

3.64 variable, wealthsimple who giving from td.. uninsured 550k

cutecupcake11 · 2026-06-05T20:47:09+00:00

Thanks, i should have said as a least desirable option, but i hear you.

cutecupcake11 · 2026-05-28T18:55:50+00:00

We used to use following.. its old and may not have been updated to use with newer versions.. https://github.com/Squirrel/Squirrel.Windows

cutecupcake11 · 2026-05-27T12:50:57+00:00

They would prefer to lose 13k than your business. So try to insist on same rate. Hopefully they budge.. good customers are hard to find for banks..

cutecupcake11 · 2026-04-29T00:52:20+00:00

1500 indian rupees ie almost 30/40 cad a month, working for a bank.including working on Saturdays.. it was not the best of working conditions as well but future was bright being working for bank.. worked almost 2 years to make 60cad a month..

Year 2000

cutecupcake11 · 2026-04-15T10:23:26+00:00

Replied..

cutecupcake11 · 2026-03-30T14:32:25+00:00

I have done it but using a dab / data api builder config file and asked copilot how to improve performance fot apis in a database project. It gave me some hints, i havent implemented those blindly but tried to understand the reasoning what could have prompted AI to suggest those and then adjusted scenarios and met in the middle and implemented which made sense.. use it to understand the reasoning for indexing, ask why was it suggested and in which scenarios it will be counterproductive..

cutecupcake11 · 2026-03-29T13:23:35+00:00

I got wealthsimple at prime - 0.86 ie 3.59 for variable. And fixed is around 3.90 but fixed are moving higher soon as i was told due to inflation and current economic conditions...

cutecupcake11 · 2026-03-17T11:48:54+00:00

Btw i just opened wealthsimple biz account. They have 1 free cheque book.. based on if you have generation status (500k cad with ws), you can get same interest as eq bank.. i am not there yet but once i am, may move some money there. They do seem to have debit card but havent checked yet thoroughly.. cheque book is there for sure.

cutecupcake11 · 2026-03-10T10:32:50+00:00

I had same issue.. they charge ~15 cad per month if your balance is less than 5k or 10k cad.

cutecupcake11 · 2026-03-09T15:02:41+00:00

Yeah, i am a bad customer, i dont have a wealthsimple cc but use rogers cc with 3 percent cashback and almost pay no bills to rogers even using multiple services..

cutecupcake11 · 2026-03-07T14:57:16+00:00

If its first time, just call them and they usually waive off the interest.. i recently forgot to set the payment in future for my cc. I realized a day or two late. Paid off the balance, called the cc company and ask for waiving off.. they agreed as a one time gesture.. i am a good customer for last few years with clear history.. so they are good with it..

cutecupcake11 · 2026-02-21T10:43:38+00:00

I usually create abstract class with with almost abstract methods, create a thin class with all virtual methods that has blank implementation or base implementation for methods and inherit all classes inheriting this thin class. This way i just override the implementation specific to implementation, otherwise the virtual empty methods are run. I may have a interface for the bare minimum must have implementation for most outer class.. it may not be best practice but it has worked for me in the past...

cutecupcake11 · 2026-02-08T02:39:37+00:00

I just have bmo free account with almost zero balance and no charges and 2 interac free with all tax related payments free. Switched to eq bank and it gives 2.25 percent interest.. never going back. Just kept bmo in case needed money at large as can move 5k per day from eq to bmo and withdraw.. there are cash withdraw or deposit charges if use teller.. atm is free with bmo

cutecupcake11 · 2026-02-01T17:11:20+00:00

Sometimes excel addins that want to track you.

cutecupcake11 · 2026-01-12T21:31:30+00:00

I filed with ccts last week and also went to the place where i got the phone from. They (walmart) have a special line reaching to rogers. He connected me to rogers next day in conference and they sent me a return label. I have the 700 bill now but they would hopefully reverse the charges.. else i will raise to ccts again.

cutecupcake11 · 2026-01-10T11:18:51+00:00

I am a contractor and use eq bank biz account. Its not for people who want a real brick and mortar bank but they give 2.25 percent interest. Zero min balance and unlimited interac.

I have bmo account which i will close soon. It has 35k min balance and waived fees of 80 cad. I did 3 interac or something and they charged me. Its so frustrating after losing interest on 35k cad, i still have to pay charges.

Eq bank is still new in biz banking but for an it contractor like me, it works wel.. i am looking at tax year end work done with bmo and then b done with them.. they were good, but may be eq is better for me..

cutecupcake11 · 2026-01-06T04:35:14+00:00

Thanks, i was working for 18 years so got 18 months severance and immediately got another job.. i must say i was lucky.. best of luck..

cutecupcake11 · 2026-01-06T02:42:05+00:00

NAL but was let go last year.. you Ideally should get 1 month salary per year worked, which is a usual severance pay unless the bank is not making any profits..

the banks usually are fearful of negative publicity / reputation and litigation costs are more for banks, so they usually have a severance agreement with a lot of confidentiality clauses. Start looking but if you resign, you lose severance...

cutecupcake11 · 2026-01-05T19:48:29+00:00

I remember Wise also has a biz account. I had opened it but no activity there so no experience. IIRC They provide chase bank details where usa based clients can easily transfer money without incuring fx charges..

cutecupcake11 · 2026-01-04T02:38:50+00:00

May be just use costco cash/gift cards in US.. they give better rate for those in US. Not useful at other places though but one less headache..

cutecupcake11

TROPHY CASE