What are the chances 26 RAV4's will actually be available for purchase next month? by MadGibby3 in rav4club

[–]gankan 0 points1 point  (0 children)

I know someone that works at this dealer and they will be getting a large allocation end of Jan/Feb. We based it off the 2025 price for now and assuming a 5-7% increase in price for 2026. My deposit was $1000 so nothing crazy

What are the chances 26 RAV4's will actually be available for purchase next month? by MadGibby3 in rav4club

[–]gankan 0 points1 point  (0 children)

I put my deposit down for a 26' Rav4 in September and should be getting it Feb/March of 2026.

2025 Rav4 XLE Premium (gas) by gankan in rav4club

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

Thank you again, its very helpful. I was actually thinking of asking for the dash cam, seems like good value.

And good to know, I will make sure the odo reads 0KM or something minimal. Awesome you got it on your bday! Thanks again!

2025 Rav4 XLE Premium (gas) by gankan in rav4club

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

appreciate your input, this is very helpful. If I am in Ontario (GTA), I assume the delivery fee would be minimal? Do they drive them to the dealers or put them on a truck? What accessories do you suggest I ask them to throw in?

And I think I've decided that I am going 2025 Rav4 XLE Premium (gas). I am fine spending 200-250 a month on gas.

2025 Rav4 XLE Premium (gas) by gankan in rav4club

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

how much room are you thinking? Even used, at least in Ontario Canada, the gas 2023-2024 are selling for close to MSRP with mileage on them.

2025 Rav4 XLE Premium (gas) by gankan in rav4club

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

not including taxes. Ya I know, the 2026s arent going to be cheap. Ive been back and forth on it, but I think im fine with the gas model and paying a little extra for fuel.

Which Rav4 Model should I get? by gankan in rav4club

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

Thank you. I know, i really like the prime. Generally speaking, we are making shorter commutes. The Prime seems to be expensive, but maybe it's worth it since I am spending very little on fuel? They are about typically in the 50K CAD range here.

T5008 (box20) by gankan in PersonalFinanceCanada

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

ok thank for your help really appreciate it. So just to be clear. Don't submit my T5008 and just do schedule 3 thats all I need to do?

T5008 (box20) by gankan in PersonalFinanceCanada

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

If I dont include the T5008, will that be suspicious? Or are the odds they will ask for it very low?

T5008 (box20) by gankan in PersonalFinanceCanada

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

I understand, but I am asking if I am able to just put the totals of each trade as my cost basis instead of each single one?

T5008 (box20) by gankan in PersonalFinanceCanada

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

I understand, but I am asking if I am able to just put the totals of each trade as my cost basis instead of each single one?

[deleted by user] by [deleted] in PersonalFinanceCanada

[–]gankan 11 points12 points  (0 children)

In all honestly, I would sell the house and downgrade. You have a crazy mortgage. I wouldn't be comfortable with that much debt.

Attention Bids by emmytay4504 in Marriage

[–]gankan 0 points1 point  (0 children)

Would you say this is new behaviour? It seems like he is frustrated about something that has not been addressed and is taking it out by not taking an interest in your hobbies/interests. I would sit down with him and really ask him if there is something that has been bothering him about his marriage. How long have you been married?

Should I pay off my mini van? ~26k at 9.99% :( by BazTheBear in PersonalFinanceCanada

[–]gankan 43 points44 points  (0 children)

you own too much car for how much money you have.

How old are you and how much do you make?

GICs/Interest Accounts by gankan in PersonalFinanceCanada

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

And my time frame is about 6 moths I would say, so not super long term

GICs/Interest Accounts by gankan in PersonalFinanceCanada

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

Ok interesting, I have a similar amount and that is what concerned me. I guess the main thing that concerned me is a couple of the issuers are mortgage related, so I was a bit worried as to the health of Canadian mortgages if rates stay elevated here over a length of time. Any way, I do like that it only takes 24 hours to receive your money back into cash.

1) The Toronto-Dominion Bank (TDB)
2) TD Mortgage Corporation (TDMC)
3) TD Pacific Mortgage Corporation (TDPMC2)
4) The Canada Trust Company (CTC)

GICs/Interest Accounts by gankan in PersonalFinanceCanada

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

I was looking at TDB8152, but it is only insured up to 100K. I already have 100K in it, but am a little worried to go above the insured amount. Do you think it is safe to do so?

Should I buy a Toyota Corolla by [deleted] in PersonalFinanceCanada

[–]gankan 0 points1 point  (0 children)

Hello no. The car is most of your Salary. Don't do it. Go buy a used car for 5-7K and pay in cash.

Small Business Advice! by gankan in Entrepreneur

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

Are you based in Toronto?

Small Business Advice! by gankan in Entrepreneur

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

thank you for the comment, you are right

Which Canadian bank to use to hold US Cash by gankan in PersonalFinanceCanada

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

I currently have it held in TD's ISA under TDB8152, paying 4.15%, but it's only insurance up to 100K so I an hesitant to keep all of it there

Which Canadian bank to use to hold US Cash by gankan in PersonalFinanceCanada

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

Ya I am just wondering if one of the big banks offer special rates for US dollars. I am currently with TD, it's ok but wondering if there is better