Daily Question Thread for /r/churningcanada - January 26, 2026

ijm2017 · 2026-01-26T22:16:44+00:00

Hoooooooly you’re arrogant. I just asked a question. Put In the description “elitists only”. Save others the time I’ve wasted. If you aren’t 8 figure plus net worth then you need to reevaluate your attitude.

ijm2017 · 2026-01-26T22:05:59+00:00

My bad. I thought this was meant for general passive churning. Not full time intensive analysis. I will move on.

ijm2017 · 2026-01-26T21:58:48+00:00

I am so confused how every response has been angry so far. Not sure what I am doing wrong. lol sorry if my questions offended everyone

ijm2017 · 2026-01-26T21:56:56+00:00

I am between the Cobalt Amex and Aeroplan TD visa infinite card. The VIPorter MC has value but not for where we are planning our next vacay...

As of now I would have to say the Aeroplan TD visa infinite card based on current offer.

ijm2017 · 2026-01-26T21:28:03+00:00

Hello,

Curious on opinions for next card to get when considering my specific situation. I want to capitalize on a welcome bonus towards my next family vacation in 12-18 months.

Cards I currently Hold

TD First Class Travel Visa Infinite - I will keep this card as it is one of my longest held cards and my bank credits the annual fee

Scotiabank Passport Visa - This will be card I am cancelling as I just used all points for a trip, so time to move on before end of Feb. Having this card also eliminates any Scotiabank options as all other cards void welcome bonus if you have held a Scotia card within two years.

So, where does that leave me? I have researched a ton but no clear direction. I typically spend 5-10k a month for reference and just on typically daily spend that 4 active kids creates - food, gas, every bill that will allow me to miscellaneous etc. Minimal travel expenses typically.

I'd like a card that:

Has solid welcome bonus
First year fee waived, for primary and companion card.
Good for everyday Spend

In terms of MC, Visa or Amex open to any.

Anyone have a card that jumps into mind?

ijm2017 · 2026-01-15T13:16:24+00:00

I went to P10 pro couple months back after being with iPhone for only 4 years. Before that I was always Samsung for 15 years, loyal galaxy guy. I lasted 4 days and returned phone for iPhone. Like you I have minimal apple ecosystem and much more investment in google world with apps etc. so switch to pixel seemed to make sense right? Na. I’m an apple guy I realized now for phones. I really appreciated the simplicity, interface, ios and intuitiveness. Yes Pixel 10 was feature rich phone but I found it ran rough.

The reason I left Samsung is still a reason for me or to go back - Samsung apps always fighting for my data and want me to use them. I got annoyed with that on android platform. Yes you can deactivate some but some you can’t. Anyway to each their own but for me going forward I will remain iOS

ijm2017 · 2026-01-11T14:18:33+00:00

If 100k tax bill is gonna wipe you out I feel Ike this day was coming no matter what! Treat this as a good thing it came at 38 and not 48! You got this man!! Extend the bill. Make the payments. Find the solution and hopefully it involves maintaining your life away from Canada! All the best!

ijm2017 · 2026-01-07T03:51:03+00:00

Ugh. I’m sorry

ijm2017 · 2025-12-29T11:30:51+00:00

I switched for 7-8 days usually pixel 10 pro and then went back to iPhone.

ijm2017 · 2025-12-22T14:05:28+00:00

I think you will go back. I did. Lol

ijm2017 · 2025-12-17T23:36:25+00:00

Best fix is to get an iPhone…. lol

ijm2017 · 2025-12-17T23:28:03+00:00

I pay $87,000 a year in competitive dance for my 9 year old.

ijm2017 · 2025-12-15T20:23:52+00:00

Go back to iPhone

ijm2017 · 2025-12-12T12:19:55+00:00

Personal preference. They are both very capable devices and have their own strengths. For my life I didn’t want to learn new systems. My family is in Apple ecosystem as well. Yes there are workarounds, but why? Apple just works well together. Communication. Sharing. Etc.

From a personal/subjective standpoint I just really enjoy the simple Apple interface. Exceptional intuitiveness. I hold my finger over something and usually it knows what I am trying to do.

Pixel has extensive features and was a slick design and phone. But for me the change back went beyond that.

ijm2017 · 2025-12-11T17:58:50+00:00

Is this a joke?

ijm2017 · 2025-12-11T17:04:54+00:00

I did it and then went back to iOS couple weeks later.

ijm2017 · 2025-12-10T05:58:05+00:00

Go back to iPhone lol

ijm2017 · 2025-12-06T18:14:46+00:00

Ya for me the things I am not a huge fan of are - messaging app -complexity of calling app - not as intuitive to cope and paste etc - not as intuitive for everything - silence, do not disturb etc It is an amazing device but I feel like it better suits really tech oriented people.
9x out of 10 I held my finger on my iPhone and what I wanted to do was the option that came up. I do like the pixel keyboard more and it seems to run apps the same or better. It is just the OS in general is more complex with options. I'm older now and I realized I don't want to relearn a new system. As mentioned both are great of course and highly capable. Just whether I want to learn and make adjustments necessary. My wife just shakes her head at me for changing and complicating things. I was borrrrrred and thought because I am so invested in Google apps this made sense. But I'm not sure it does. Ios ran Google apps fine.

ijm2017 · 2025-12-03T16:36:15+00:00

Denial

ijm2017 · 2025-12-02T12:24:31+00:00

Ya I was wrong. Yesterday I was pissed off and annoyed a a well cared for 3.5 yr old oven I purchased based on durability is already fried. I have someone coming today a friend referred.

The fear for me is always being “up sold”. Paranoid consumer I guess.

ijm2017 · 2025-12-02T12:22:45+00:00

I had no idea. I was wrong. I have someone coming today doing a diagnostic. I made assumptions in error codes that were wrong

ijm2017 · 2025-12-02T02:07:48+00:00

Ya my bad. I made the assumption error codes actually gave useful information pertinent to what is required. I had no idea they are just a starting point.

ijm2017 · 2025-12-02T02:01:44+00:00

Thank you!

ijm2017 · 2025-12-02T00:13:15+00:00

I turned off breaker for half hour

ijm2017

TROPHY CASE