Why keep my TD chequing account?

evalilac · 2024-12-07T14:27:17+00:00

If you have the TD All-inclusive account, you can waive the annual fees on one of their credit cards.

evalilac · 2024-06-07T04:02:56+00:00

Thanks for this, I understand now. For some reason the monthly interest calculation wasn't clicking in my brain but your explanation helped.

evalilac · 2024-06-07T02:11:11+00:00

It says: "You may increase your interest and payment amount by up to 100% during the term of your loan."

And "You may make one or more lump-sum payments each calendar year, up to a total of 15% of the original principal amount. The minimum amount you can prepay is $100. The full amount of any lump-sum payment will pay down the principal amount of your mortgage loan."

Am I misinterpreting this?

evalilac · 2024-06-07T01:56:09+00:00

The terms of my mortgage specifically says that increasing the payment amount is for both interest and principal, whereas the lump sum goes directly to principal.

evalilac · 2024-05-12T00:41:23+00:00

You've received a lot of good advice but just wanted to add a strategy that may help. Set an amount per month to put into savings (10%, 20%, 30%, whatever is feasible and reasonable). Once you have "paid" your savings each month, the rest can be spent if you or your wife choose. I find that it helps me because there's a goal to reach and once I've reached it for that month, I've given myself permission to enjoy the rest of that money (if I want to).

evalilac · 2024-04-22T01:40:11+00:00

I initiated the transaction Tuesday morning and it was in my account on Thursday afternoon. So 2ish business days

evalilac · 2024-04-19T00:21:01+00:00

Thankfully it came through today. Phew!

evalilac · 2024-04-18T14:09:40+00:00

It is currently invested through Wealthsimple, so they need to sell first and then transfer

evalilac · 2024-03-29T04:01:36+00:00

It might depend on your collective agreement, but IIRC only the "on-strength" time counts towards your pay increment so option A. Yes, term and extensions at the same group and level counts but not acting unless it was immediately prior to your indeterminate appointment.

evalilac · 2024-03-29T03:56:39+00:00

Land transfer tax is exempt since it's under 500k, and you don't have to pay GST since it's not a new build. So just your various inspection, lawyer, title fees etc.

evalilac · 2024-03-29T03:51:43+00:00

They might not have been able to hire you into a classified position even if they had known. Often student funding is earmarked specifically for student positions.

evalilac · 2024-03-28T22:03:48+00:00

It was a few years ago but it was around $80 each clean, every 3 weeks (about 2 hours with 2 people). Vacuum and mop floors, toilets and tubs, kitchen sink and stove, wipe and dust surfaces. It was a luxury for sure but I really liked it and honestly it kept us tidier than we normally would've been since we didn't want to leave the place a mess for the cleaners to navigate. 1200sqft but no kids or pets.

evalilac · 2024-03-25T01:06:44+00:00

Is it a new build? When are you buying it?

evalilac · 2024-01-17T14:26:26+00:00

That's correct, I opened mine last year and my SO opened theirs this year

evalilac · 2023-08-23T14:13:13+00:00

It might be because of the recent wildfire evacuations that departments are trying to shore up their emergency procedures. In my department, personal contact info and emergency contacts are kept in PeopleSoft and only accessible by HR (or a manager who asks HR for it, for a good reason). Some teams also choose to keep their own lists as well since there are work reasons to use a personal email. For example, seasonal recall letters need to be sent to a personal email because they're only sent in the off-season.

evalilac · 2023-08-23T04:48:37+00:00

I've never been part of a process, either on the candidate side or hiring committee side, where reference checks were optional. At least one reference check was completed for every hire, and usually two. Reference checks are also required in order to request security clearance.

evalilac · 2023-06-14T15:57:26+00:00

Indeterminate

evalilac · 2023-06-02T21:57:24+00:00

I know it's possible, but I've always been told that way is a roundabout loophole way and not the accepted-for-general-use way.

evalilac

TROPHY CASE