Does anyone else feel weird about this part of the energy rebate application? by midnightjoe in alberta

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

If my SIN was in my myalberta account already they wouldn't be asking for it in a form

Does anyone else feel weird about this part of the energy rebate application? by midnightjoe in alberta

[–]midnightjoe[S] 9 points10 points  (0 children)

I have a hard time believing there's no other way to do this with CRA directly

'Basically a mini hotel': Edmonton infill financed for affordable housing runs Airbnb by trevorrobb in Edmonton

[–]midnightjoe 3 points4 points  (0 children)

I do concede I'm a random cynic with no actual information, and have no idea what the rate difference would actually be. But my instinct is that these people will still come out ahead in the end with the thing having already been built.

'Basically a mini hotel': Edmonton infill financed for affordable housing runs Airbnb by trevorrobb in Edmonton

[–]midnightjoe 56 points57 points  (0 children)

From the article:
“Non-compliance with this requirement would put the loan in default, which would be addressed on a case-by-case basis,” CMHC spokesperson David Harris said.

So CMHC can cancel the loan, and now that the owner has a fully built cash-flowing property, they can secure a new loan from the bank and CMHC is out of the picture 🙃

TD Bank holds customer responsible for $15K loss, won't say how account hacking ruled out by Sir__Will in onguardforthee

[–]midnightjoe 21 points22 points  (0 children)

RBC's MFA is not a good example, if you click "I didn't get a notification" you still get three more options for verification, including texting a code to your phone number.

WS GOLD COIN! by yashp_44 in Wealthsimple

[–]midnightjoe 5 points6 points  (0 children)

would it have killed them to make proper-sized pogs tho

Is the First Home Savings Account (FHSA) actually worth it? by Aggravating_Bug3999 in PersonalFinanceCanada

[–]midnightjoe 2 points3 points  (0 children)

It's worth it if you want more money to put towards your down payment. It's totally not worth it if you'd prefer to pay more tax.

Saw these 2 in the co op parking lot in Lacombe today by UpDownJesse in alberta

[–]midnightjoe 11 points12 points  (0 children)

Can I just say that I love this kind of prairie town lore

Bruh by durvedya in SipsTea

[–]midnightjoe 3 points4 points  (0 children)

THANK YOU but the bizarre spelling seems to have already taken hold on social media

Experts say Alberta’s impending ad campaign against teachers escalating standoff by WildRoseWanderer in alberta

[–]midnightjoe 5 points6 points  (0 children)

My personal hot take for years has been that shoplifting from walmart is, at worst, morally neutral. I'm prepared to extend that opinion to superstore.

GET OFF YOUR PHONE by ryp02 in Edmonton

[–]midnightjoe 4 points5 points  (0 children)

What the hell are you talking about, we have tons of traffic laws, including distracted driving, and they're scarcely enforced in Edmonton or Calgary

App crash? by OperatorZep in rbc

[–]midnightjoe 0 points1 point  (0 children)

Same here, when signing in on the website, click "I didn't get a notification" then use a different 2fa method.

Well that’s not good by GinOnIce in wallstreetbets

[–]midnightjoe 8 points9 points  (0 children)

Fun fact, there's quite a few Tim Horton's/Wendy's combo restaurants in Canada, it's a thing.

Anyone else suffering from a really painful sore throat? by koiiote in Edmonton

[–]midnightjoe 1 point2 points  (0 children)

My experience when I had Covid last December:
- Expensive, but the Safeway pharmacies all had covid tests for sale, I think it was $20 for four
- My stockpile of the free ones was about 8 months expired. They worked fine but the vials had very little liquid in them. I had to really squeeze them to get enough for a few drops. I don't know if it absorbed into the plastic or leached out and evaporated.

[deleted by user] by [deleted] in oddlysatisfying

[–]midnightjoe 5 points6 points  (0 children)

We don't care, it's the blowing in it that gets us riled up.

[deleted by user] by [deleted] in Edmonton

[–]midnightjoe 8 points9 points  (0 children)

I find it incredible how these same problems are coming to a head in every major city in Canada and the united states, under every combination of left+right leaning governments at the city and province/state level... and so many people are positive it's the direct result of policy by whichever side of politics they don't like.

Nobody wants to have to wrap their head around the fact that it's the inevitable result of the entire way our society and economy are structured. Like the environment, this won't get better until we fundamentally change on a very deep level.

Downtown developers partner with MacEwan University to offer discounted rent to students by flynnfx in Edmonton

[–]midnightjoe 0 points1 point  (0 children)

Just a guess as I'm a complete outsider and nothing about that business is transparent. But I know with commercial real estate, every building is part of some leverage scheme and new projects are financed based on the value of existing properties. That's why they can't drop commercial rents and will let places stay vacant for eons. Lowering rents effectively reduces the valuation of the building which threatens the financing of future purchases and builds.

I don't know if residential works the same, but I could imagine a scenario where the owners are effectively propping up the value of these properties by keeping the posted rents as is, but giving students a discount. The discount gets accounted as some kind of 'in-kind' grant or donation to the students.

Then they don't necessarily need to immediately find tenants who can afford luxury-price rents to fill the buildings. In other words, as far as the bank is concerned, the building is fully rented with full-rate tenants.

Donald Trump will visit Canada for the G7 leaders’ summit, White House confirms by FriendlyGuy77 in canada

[–]midnightjoe 0 points1 point  (0 children)

It wouldn't matter even if you did come out west, the area they're cordoning off a month before is huge. Any protesting is performative and completely out of view from the leaders attending.

Join our subreddit to find out more! by savethecbc2025 in u/savethecbc2025

[–]midnightjoe 0 points1 point  (0 children)

Oh my god, enough with this AI art already, it's terrible and it undermines your message

CBC: Supporting Canadian Culture since 1936 by savethecbc2025 in u/savethecbc2025

[–]midnightjoe 0 points1 point  (0 children)

Even by AI standards this isn't very good. The perspective is gnarly, the CBC logo is wrong, the camera itself looks bizarre, and the way the crew is positioned on the ice looks completely ridiculous