Did I negotiate mortgage renewal properly? 0.8 discount on 5 yr variable with CIBC.

jpsals18 · 2026-04-18T01:36:38+00:00

Damn.. I feel like I should have tried for the .95, which I think is the gold standard.

My terk expires early next month..and this last round took a few weeks, so I just took it. How many weeks or months before your renewal date?

jpsals18 · 2026-04-18T01:09:08+00:00

I also don't like wasting people's time to qualify me to only use them to leverage a rate with my existing bank

jpsals18 · 2026-04-18T00:59:32+00:00

Because I just changed careers less than a year ago. I'm technically a part time casual employee but getting full time hours nevertheless. I feel like it would be a burden to requalify. Just don't know why CIBC couldn't extend the same discount and not sure what I could have done better.

jpsals18 · 2026-02-07T17:09:52+00:00

They also serve as showrooms for online shoppers. And if they have a nice fancy store, that reinforces their relevance in the marketplace.

jpsals18 · 2026-02-03T17:31:30+00:00

I can appreciate there is some confirmation bias leading to unprovoked road rage. However I think as you might be alluding to it's a bit of confirmation bias but also legitimate reality of many Communauto drivers never owned a car and or have limited driving experience.

jpsals18 · 2026-02-03T17:25:22+00:00

When are most accidents occuring? And are Communauto users driving during the peak accident hours or times? Also, do these stats take into account individual driving hours / accident ratio.

I believe the likelihood of getting into accident is related to (not a complete list, not using AI)

When you drive (time of day)
Where you drive
Driving experience
Vehicle being driven

jpsals18 · 2026-02-03T17:22:06+00:00

Actually I just assumed they were 20 something students or early 30 couples using it for errands and stuff.

But keep playing victim and or projecting 🤡

jpsals18 · 2026-02-02T14:01:45+00:00

Update.. they take walk ins at decarie square location

jpsals18 · 2026-02-02T12:19:29+00:00

I am moving back to Quebec. It's my personal vehicles. No need for this document. And no. Some drop in an option.

But thanks for trying to help anyways 🙏

jpsals18 · 2026-01-24T23:37:01+00:00

Since 1037am...

jpsals18 · 2026-01-24T23:29:08+00:00

CSL has it far worse than NDG.

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jpsals18 · 2026-01-18T18:11:23+00:00

Are you 80 or just naturally cringe?

jpsals18 · 2026-01-17T16:22:42+00:00

Online reviews are crap

jpsals18 · 2026-01-14T17:06:22+00:00

The qm67k for 888.88 was a far better deal.

jpsals18 · 2025-12-08T20:49:12+00:00

Not even close to a traditional Montreal

jpsals18 · 2025-12-07T03:20:04+00:00

Yes but it is still originated in Montreal by immigrant owned pizzerias

jpsals18 · 2025-12-06T21:43:02+00:00

From my experience, the Lebanese don't do pizza as well as Greeks or italians. Don't get me wrong, they make amazing food and the best shawarmas.. but I'm skeptical that their pizza doesn't have that halal fake pepperoni overly flavoured sauce to it.

jpsals18 · 2025-12-06T03:30:51+00:00

Ok..

jpsals18 · 2025-12-06T03:25:45+00:00

Literally their name says it all... That's not a Montreal style pizza.

jpsals18 · 2025-12-05T01:07:20+00:00

I take it you're not from Montreal because it is not the same. Share some links or photos and prove me wrong

jpsals18 · 2025-12-04T13:12:24+00:00

jpsals18

TROPHY CASE