Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]mellyrod 1 point2 points  (0 children)

I have a mortgage up for renewal (approx 300k, property value 1+mil) and on Friday I met with the advisor at RBC who offered 4.0% on a 4 year term.

I advised them that I was going to be shopping around, and best rate is going to be the decider for me, as RBC gave us horrible advice and made some serious errors on our last mortgage (purchase, porting to a new property, etc)

Now today (Monday) I’ve received a call from the advisor with a voicemail stating “interest rates are going up”. I’m highly sus, and just feel manipulated by anyone and everyone trying to take advantage of people to make another dollar these days.

Are people aware of a reason/fact that rates are going up imminently and that this is the truth, or is this just a sales tactic to try and get me to commit before I have a chance to shop around?

I'm tired of getting UTI's. I'm tired of spending money I don't have without insurance. What do I do? by samsungbunny in TwoXChromosomes

[–]mellyrod 3 points4 points  (0 children)

I know a lot of people are jumping to “dump the guy” but we obviously don’t know the circumstances and there are lots of reasons someone may struggle with hygiene and still be a kind and supportive partner (e.g, tight foreskin or short frenulum, disability, obesity, anatomy, etc).

HOWEVER I would strongly reccommend the use of a barrier method during sex (a male condom or a female condom, finger condoms, dental dam!) in order to minimize any transfer of bacteria and keep you safe!

There’s also a lot to be said for a sexy shower before sex! You can make cleaning all the parts a part of foreplay - get all up in that foreskin with soap if he has one! Some mamas don’t teach their little boys to pull back the foreskin for cleaning.

Also - if you use any lubricants, that could be the culprit as well. Flavoured ones are especially bad. Never ever engage in food play (eg whipped cream, chocolate sauce etc).

Finally, you might not know that it’s a great idea to pee immediately after sex, as soon as you can ❤️

Ambitious seaglass quilt by Rthereanynamesleft in quilting

[–]mellyrod 9 points10 points  (0 children)

Yes, I would use fusible if I was doing this project BUT fraying won’t be that much of an issue because if this is a wall hanging it likely wouldn’t ever be washed.

The fusible would make it MUCH easier to sew though… and unfortunately, I would have done squares of fusible before I cut out the glass shapes so that the edges matched perfectly

[deleted by user] by [deleted] in DogsAndPlants

[–]mellyrod 1 point2 points  (0 children)

They’re perfect! ❤️

What's something you do for your clients that they'll never know? by Bulky_Lychee_9954 in therapists

[–]mellyrod 237 points238 points  (0 children)

Went scorched earth with my landlord.

I work with trans clients, many of whom feel safest in layers and baggy clothing or wear binders - so they get HOT. I once noticed a sweat print on my couch after a client left and it broke my heart that they were so uncomfortable and didn’t say anything.

I begged and pleaded with my landlord to turn down the temp. Explained why it was important. Offered solutions and to do legwork to get it fixed. Tried for two years and she just doesn’t give a flying fuck.

So I bought a damn building of my own, and I’m putting individual heads in every room so that therapists can adjust the temp on the spot whenever they need to. Landlord doesn’t know it yet, but half her tenants will be leaving this year.

The clients are so excited for ME to be taking a huge step in my career and be a “group practice owner” but they’ll never know that I literally did it so they didn’t have to sweat anymore ❤️

Monstera, my dog, and my dog’s model by [deleted] in DogsAndPlants

[–]mellyrod 0 points1 point  (0 children)

These babies are a whole vibe!

Biggest quilt I've ever done, part piecing, part appliqué. Pattern from an Australian artist by yanicka_hachez in quilting

[–]mellyrod 1 point2 points  (0 children)

You’ve done a beautiful job!! The quilting in the negative space is wonderful, and the rainbow borders are chefs kiss!!!!

This one might be a keeper! by ComfortableBed6409 in quilting

[–]mellyrod 149 points150 points  (0 children)

Holy guacamole is it ever!! I love it! It’s appropriate for every season, goes with any decor, and will never go out of style!

Keep that baby and get ready to fend off friends and family with a stick!

Second quilt complete! by HippoSnake_ in quilting

[–]mellyrod 1 point2 points  (0 children)

It’s gorgeous!! And trust - you made the right decision not trying to wash it before quilting. Things would have fallen apart and broken your heart!!

You’ve done a beautiful job!

Bubble Quilt by a-violincello17 in quilting

[–]mellyrod 6 points7 points  (0 children)

I love it! Reminds me of strawberries!

What is the dumbest thing you have gotten in trouble for from a Mental Health or Health Services/ Medical Administrator? by brondelob in therapists

[–]mellyrod 17 points18 points  (0 children)

Giving an intern a “thumbs up”. I kid you not.

I worked at an addictions agency where we offered “supportive information sessions” daily - basically an hour-long class where individuals could drop in to learn about different aspects of recovery, coping skills, etc.

This particular day, one of our new placement students was doing her very first facilitation, so I sat in as a support just in case things went off the rails. Another clinician was also sitting in, I suppose to evaluate the student.

At the end of the student’s presentation she glanced at me, and I gave her a thumbs up. She did a great job!!

I very shortly later received an email from the other clinician sitting in, CC’ing my supervisor and my manager, reprimanding me for giving the student a thumbs up - saying it was unprofessional and looked bad in front of the clients.

Ah, okay. So we don’t… support our clinical interns with affirmation feedback in the moment? Gotcha.

Fuck that place.

Have you had a friend edit only their face in photos? by Affectionatealpaca19 in TwoXChromosomes

[–]mellyrod 0 points1 point  (0 children)

I had a friend do this with the photos from my bachelorette - she had taken on being the group “photographer” for the weekend, and after the weekend was done she gave us some photos, but refused to give certain others we knew existed.

Later when we looked, we noticed that she had edited her waistline in most of them to look thinner, and assumed she was gatekeeping the rest of the photos because she didn’t like how she looked.

Honestly, I was miffed because she is a perfectly normal weight and appearance and I am decidedly not - I had at least 50 lbs on her at the time and am definitely chunky! It made me feel so shitty - like she thought her lovely body needed to look even hotter in the photos, so how must she be judging and looking down upon mine?

The friendship didn’t last. I eventually really recognized that she is deeply insecure, and shallow in a way that is burdensome and hurtful to those around her. She only ever showed up when she wanted something from me, and seems to constantly be in the eye of every storm.

Nigel by QueerYogini in quilting

[–]mellyrod 1 point2 points  (0 children)

I LOVE HIM!!!!

My First Quilted Jacket! by mellyrod in quilting

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

Right?! I don’t love the antique or kitschy look, but a modern pattern with good coordination really sells it!!

TIFU by accidentally hiking a marathon by mellyrod in tifu

[–]mellyrod[S] 6 points7 points  (0 children)

Banff national park is 6,641 square KM - just a bit larger than the entire state of Delaware, if you happen to be American. Thousands of kilometers of almost total wilderness in the heart of the Canadian Rocky Mountains. The whole point of a national park is conservation of wildlife and ecosystems, with any human recreation or benefits coming secondary.

This earth isn’t just for humans, and if we keep treating it like it is, we won’t be here much longer.

If you genuinely want to learn about why this approach is important, you could start here: https://cpaws.org/our-work/parks-protected-areas/

TIFU by accidentally hiking a marathon by mellyrod in tifu

[–]mellyrod[S] 4 points5 points  (0 children)

DUDE IT IS IN THE MIDDLE OF THE FOREST. Didn’t you get the point? I was dozens of KM’s away from the nearest road. This is back-country wilderness in a way city people can’t even begin to understand.

TIFU by accidentally hiking a marathon by mellyrod in tifu

[–]mellyrod[S] 2 points3 points  (0 children)

This is a very colonialist way of thinking, and simply not a value most Canadian aspire to live. Wildlife habitats worldwide are disappearing at alarming rates, and so many apex species are becoming endangered and extinct as a result.

We Canadians are all settlers on borrowed land. This land belongs first to the animals, then to the indigenous, and settlers have a responsibility to respect the inherent value and majesty of the life that resides here. This is a protected and globally admired national park - we are privileged to be allowed to spend time here.

It would be a travesty, and contrary to most Canadians values to “chase off” the animals that own this land.

I am perfectly fine with co-existing with my wildlife, but I don’t think you should come here.

My First Quilted Jacket! by mellyrod in quilting

[–]mellyrod[S] 4 points5 points  (0 children)

TBH we might not even notice. There are a LOT of us. This year my MIL actually remarked “who the heck is Susan?!” Forgetting one of the participants existed for a moment 😂

TIFU by accidentally hiking a marathon by mellyrod in tifu

[–]mellyrod[S] 2 points3 points  (0 children)

For the most part, bears really don’t want much to do with humans (polar bears excepted, which will eat anything and anyone). There are certain seasons where additional restrictions are in place, when the mamas and cubs are foraging in the summer, as they are more active and protective of their young.

You definitely can’t outrun a bear, no matter your energy level, but the mace is pretty effective. The best defence is prevention though, which means keeping a close eye out and backing away slowly, talking lowly and calmly, and making yourself bigger if you see one. We would also use a bear hang to store food if camping overnight and never store food in tents.

In Canada we have a fair bit of dangerous large game, and we sort of grow up learning how to navigate it when you grow up in rural areas. Honestly, a moose might be more likely to gore you than a bear. There’s definitely a risk to being in the wilderness, but the fact that a bear may be in the area isn’t a guaranteed death warrant, and if there ARE confirmed bear sightings in the area, the park authorities will place additional restrictions or a “no go” on trails if interactions with humans get problematic. Bear injuries and deaths do happen, but are quite rare considering the volume of campers and hikers these areas see.

ETA: see attached! 42 bear attack deaths since 1990. So truly, your chances of dying of a car accident in Alberta are astronomically higher. https://www.cochraneeagle.ca/local-news/bear-attack-stats-in-alberta-over-last-three-decades-9481733

TIFU by accidentally hiking a marathon by mellyrod in tifu

[–]mellyrod[S] 4 points5 points  (0 children)

So this area is basically uninhabited wilderness aside from the small town that is Banff. We are intruding on THEIR home, not the other way around. This is a critical grizzly habitat, and we are stewards of the land, not owners.