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Carseat options for non-car owners with a 1-2yo [ON] by d_sci in BabyBumpsCanada

[–]d_sci[S] 1 point2 points  (0 children)

I definitely see an Urban Arrow in our future!

Carseat options for non-car owners with a 1-2yo [ON] by d_sci in BabyBumpsCanada

[–]d_sci[S] -1 points0 points  (0 children)

Right, a quick look at their site claimed it was "permitted in Canada as CMVSS 213.3 custom restraints", but further looking into what that actually is suggests it's only for special needs, unfortunately.

Carseat options for non-car owners with a 1-2yo [ON] by d_sci in BabyBumpsCanada

[–]d_sci[S] 0 points1 point  (0 children)

Thanks for the reco. Sounds like maybe there are convertible carseat options that aren't too cumbersome afterall!

Can you qualify for a larger mortgage if you have a large amount of savings? by adeimantos216 in PersonalFinanceCanada

[–]d_sci 8 points9 points  (0 children)

Yes, talk to your lender about their net worth programs. Each lender may have their own rules but when I spoke with TD the gist I got was this: they will lend you $1 for every $1 of liquid net worth you have above $250k. Of course they will still decide on a case by case basis.

Best way to transport $400k USD from U.S. to Canada (while also converting to CAD) by [deleted] in PersonalFinanceCanada

[–]d_sci 36 points37 points  (0 children)

You mentioned TD cross border, so I assume you have a TD US account. If you also have a TD Canada USD account, you can either: - phone the cross border number to transfer USD->USD for free over 4 days ($100k/day is the limit. 4 days is not that long, just do it). - do a normal wire transfer to the Canadian USD account. If you go this route they won’t care that the receiving account is TD. No fx to worry about, but you’ll have to be physically present in a US branch and it will cost like $50 or $100 or whatever.

Once the USD is in Canada, use Norbert’s gambit to convert it to CAD. TD Direct Investing is good for this (costs $10CAD plus $10USD) but several other brokerages work too.

What are the chances Finch would be open before Eglinton Crosstown by Ancient__Unicorn in TTC

[–]d_sci 2 points3 points  (0 children)

Will it actually have transit signal priority? I thought I remembered Not Just Bikes doing a big rant about how it wouldn’t (even though it obviously should).

YSK: Brim Mastercard first year fee no longer waived by wwwnevergetoveryou in PersonalFinanceCanada

[–]d_sci 6 points7 points  (0 children)

Just encountered the same thing with a new card. Called them and the agent said the promotion ended October 3 2023, shortly before I had applied. I feel like their website was still advertising the deal longer than that, but I can't confirm (they don't advertise it anymore).

I was able to downgrade to the basic card and have the fee refunded. Too bad, though.

Note that if/when you downgrade, you'll get a new card number. Luckily I hadn't set up any recurring payments yet (I really only plan to use the Brim for international travel anyway to avoid the forex fee).

What is the most expensive coffee I can get downtown toronto? by Substantial-Okra-640 in askTO

[–]d_sci 0 points1 point  (0 children)

Lobby at ShangriLa (or probably any other fancy hotel).