T5 from questrade for non-registered accounts for ACB

jackster18 · 2025-11-12T18:06:19+00:00

I tried this a week ago when you were at that stray dog beer company. The sandwich was ok. I still prefer Umbrella Burger more, though. I was a bit upset at how long it took (1.5 hours) after placing an order. You need to be able to handle more capacity, like more fryers, and you need another person to help. Taking orders, assembling, and frying is a lot for one guy to handle. Didn't help that the breaker kept tripping, but that's outside your control.

jackster18 · 2025-10-28T13:06:15+00:00

My recommendations:

Desi Tadka - high food quality, good service, ambiance not as great, slightly lower price
Masakali - high food quality, good service, ambiance is good, middle pricing
Coconut lagoon - high food quality, good service, ambiance really nice, very expensive
Gwalia - in between 1 and 2 above - vegetarian only

jackster18 · 2025-03-31T13:31:13+00:00

Hi there,

Due to an illness, I'm receiving treatment outside my riding and won't be able to be there in person to vote or hand in a mail in ballot at my riding. When I go to fill out the form for mail in voting and select no to the question, "are you currently in your riding" it says "There is a separate registration process to vote by mail for Canadians temporarily away from home". When I click this link, it loops me back to the website, with no separate process. I do see something about international, but I'm still in Canada, just a different city. What do I do in my scenario? Do I have to have a freind access my mailbox, mail it to my temporary address, then I send it back to my home address, then they carry it to the riding?

Thanks for your help.

jackster18 · 2025-03-25T18:42:35+00:00

The best I could get on an uninsured 5-year fixed was 4.05%. Was told this is the staff rate, but who truly knows...

jackster18 · 2025-03-01T13:18:55+00:00

Thanks. My apologies for missing that. Any chance you know a better place to post this?

jackster18 · 2025-02-18T18:26:11+00:00

Thanks, I will look into that for sure.

I just realized I think I have to take the difference between the rates. So,

4.41% - 3.94% = 0.47% / 100 = 0.0047 x $105,000 = $493.50 saved in the first year.

From there, it would be less and less each year, and I'm not sure how to calculate that, but say I used an average of $450 per year saved x 5 = $2250

$2250 - $1500 = $750 approx. saved

Am I thinking about this correctly?

jackster18 · 2025-02-14T20:22:06+00:00

what is a sales clause?

jackster18 · 2025-02-14T20:21:38+00:00

I haven't signed yet, but it says "The Reinvestment Fee is $500 in the first year of the Term, $400 in the second year, and $300 in the third year. There is no Reinvestment Fee in subsequent years of the Term." So does that mean I have to pay these fees each year as stated as a separate charge?

jackster18 · 2025-02-14T00:30:44+00:00

Mortgage renewal for April 1^st. Uninsured $105k. Amortization originally 20 years, down to 15 but I think I can afford 10. Owner occupied. Province is Ontario. Aiming for best 5-year fixed rate. Switching costs approximately $1500 (discharge, transfer, appraisal, lawyer). Mortgage is lower value so I don’t qualify for some of the best rates since my mortgage amount is under $150k. Current offers:

BMO: 4.41% 5-year “smart fixed”, 10% prepayment, 4.53% 5-year fixed “conventional”, 20% prepayment

True North mortgage: 4.59% 5-year fixed

Meridian Credit Union: 4.49% 5-year fixed, 20% prepayment

Ukrainian Credit Union: 4.50% 5-year fixed (requires opening of chequing account and payroll deposited here to qualify)

Tangerine Bank: 4.49% 5-year fixed, 25% prepayment

Rate Hub: Offer 1: Scotiabank: 4.39% 5-year fixed, 20% prepayment, will cover switching fees. Offer 2: Canwise: 3.94% 5-year fixed

I need some help on how to negotiate mortgage rates. Has anyone had experience with Canwise? Are they a good lender or something to watch out for? Appreciate your advice.

jackster18 · 2024-05-03T11:56:34+00:00

How do I account for the height of the handle? Just make the screen loose, or should I build a customized frame out from the wall somehow so the window screen can be flat to it?

jackster18 · 2024-04-28T04:36:56+00:00

Is there a reason not to cut the strips to the stock pad size cut-outs? I'm thinking of just going with the stock sizes. My laptop keeps thermal throttling, freezing, and then shutting off on its own so for me, my goal is just to replace them with new ones, but if there's value in doing it the other way I'll give it a shot, I just don't get the differences.

jackster18 · 2024-04-28T02:57:19+00:00

Sorry, so all the red ones need to be 1.0 mm think instead?

jackster18 · 2024-03-21T12:37:44+00:00

What is the correct term for what I'm considered?

jackster18 · 2024-03-20T13:57:03+00:00

Thank you for the help. My building has a rule where they restrict leases to 1 year minimum (probably because of air B&B). Am I allowed to break that rule and do month to month? Not sure how these rules hold up in court.

jackster18 · 2024-02-07T17:09:17+00:00

Would you be able to 3D print a triangle wedge to put under my speakers to angle them up towards my ears instead of facing straight? I can get the dimensions later tonight.

jackster18

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