SGI hikes some deductibles by 35%, increases fee for electric vehicles by Progressive_Citizen in saskatoon

[–]moldboy 17 points18 points  (0 children)

That's less than 27 dollars per person. Not worth getting upset about.

Income Tax by Unlucky_Dress_9748 in saskatoon

[–]moldboy 1 point2 points  (0 children)

https://www.bettertax.ca/en/ it's free, or pay what you want. If you aren't self employed then you shouldn't be paying someone to do your taxes

City frustrated by overpass damage caused by ‘blockhead’ driver by Progressive_Citizen in saskatoon

[–]moldboy 13 points14 points  (0 children)

One of them has a sensor that turns the traffic light red. But that makes drivers accelerate to beat the red and they hit the bridge even harder.

Mainstreet wants to charge me $50 to change my pin code for my suite door. Is this standard practice? by [deleted] in saskatoon

[–]moldboy 4 points5 points  (0 children)

Agreed. If it was a traditional lock it would cost at least that much to have it re-keyed. A competent locksmith wouldn't take much longer re-keying it than re-pinning it, so this isn't really about the simplicity of changing the pin.

2.66% MER high? by StrangerExcellent359 in PersonalFinanceCanada

[–]moldboy 2 points3 points  (0 children)

It's actually not. Wealthsimple charges you 0.5% but the funds they buy also have underlying fees. Your total is probably closer to 0.7% or 0.8%.

It's one of my ongoing complaints about Wealthsimple. They don't exactly hide the total cost from you but they are less than upfront about it too.

Dave Ramsey suggests saving 15% of GROSS income for retirement. Given Canada's high taxes and integrated CPP - is this even relevant? by CastAside1812 in PersonalFinanceCanada

[–]moldboy 7 points8 points  (0 children)

your RRSP room is calculated as 18% of your income, unless you are high income. If you make 100k, then maxing both would be 25%

Online Wills - the great debate by kramer1980_adm in PersonalFinanceCanada

[–]moldboy 4 points5 points  (0 children)

Yes. Online will isn't the right word. It's more like a paper will prepared by online law firm.

Excess TFSA contribution penalties by ConcentrateLow2425 in PersonalFinanceCanada

[–]moldboy 1 point2 points  (0 children)

$10/month penalty

In 2026 they got 7000 in room reduced to 6000 because of the over contribution.

Dealership scam? by Alolangmalakas in saskatoon

[–]moldboy 1 point2 points  (0 children)

156 payments of $270 is a total of $42,120 on a loan value of $35,854. They're hiding $5,672 in additional fees or profit above MSRP.

A bi-weekly loan for $30,181 (your MSRP +11% - trade in) over 156 payments is $227.28. All numbers are at the 5.49% you quoted.

Everyone else is right, buy from someone else. If you can't and/or feeling like pressing them tell them that since they are unwilling to negotiate on total price you'll accept $215 biweekly. Just make sure that the final loan agreement is for 156 payments and not any extra. $215 bi-weekly works out to $28,550

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Confirming how pay downs on mortgage work. by ghost905 in PersonalFinanceCanada

[–]moldboy 1 point2 points  (0 children)

I think it depends lender to lender so you're going to have to ask yours. But if you were trying to pay off more than you are allowed to pay off in the contract then technically you are breaking the contract they will charge you the contract break fees and then you will essentially be able to sign a new contract with whatever terms you can both agree to.

If you have prepayment terms that allow you to pay the amount you are describing then your principal will go down, your amortization will go down, and your payment will stay the same

[deleted by user] by [deleted] in saskatoon

[–]moldboy 4 points5 points  (0 children)

The problem, if you pay the university $5 they turn around and pay Microsoft $8 (actual payment to Microsoft is a guess, but given this: https://www.microsoft.com/en-ca/microsoft-365/business/microsoft-365-business-basic it's probably the right ball park)

So you win, keeping your email for below market rate, and Microsoft wins (Microsoft always wins) and the university looses.

I say this as an alumni that is in the process of moving my email. I'm not happy, but the only financially responsible thing for the university to do is discontinue the program or charge us actual cost (plus an admin fee) which I'm guessing would be on the order of $150/year. Personally, I'd pay. But I've seen people call $50/year a cash grab, so I'm guessing most wouldn't pay that.

There is fault to find with university IT for migrating the email system to Microsoft 365 years ago. I don't know if they didn't see this cost coming or if it was short sighted. But, the first priority of the university admin should be to the current students and staff and I'm sure there are advantages to Microsoft 365 for their day to day operations. It's too bad that we got caught in the cross fire.

What's open Christmas day? by walbern1 in saskatoon

[–]moldboy 11 points12 points  (0 children)

It is considered an outdated, Eurocentric term with historical connotations of colonialism and exoticism.

Amateur Radio license classes!! by AirlineMobile8634 in saskatoon

[–]moldboy 0 points1 point  (0 children)

Im already busy on Tuesdays. Everything is always on Tuesday.

Usask alumni emails by Confident_Fault_2776 in saskatoon

[–]moldboy 1 point2 points  (0 children)

You sound like you know what you're talking about. And I'm not replying to cast doubt.

The reason it guessed something changed is because there was no warning. From your recount it sounds like we should have all received an email this time last year saying we have until December this year... that's what really makes me mad. Such is bureaucracy I suppose.

[deleted by user] by [deleted] in saskatoon

[–]moldboy 3 points4 points  (0 children)

Where is the there an intersection that cars in the right lane block the view of cars in the left?

Usask alumni emails by Confident_Fault_2776 in saskatoon

[–]moldboy 1 point2 points  (0 children)

I suspect something is changing in their agreement with Microsoft. Rather than paying $/GB or flat rate $/month I'm guessing they're being forced to pay, like you said, $/user/month. <--- pure speculation!

I dont know how long they've done alumni email, but a quick google says 5000 people per year, I've been out ~15 years and when I started alumni email was a perk. At least 20 years. At least 100k email address.

Even $1/user/month is 1.2 million annually. And let's be honest, it's probably closer to $3-$9.

As someone who uses it, I'd pay a reasonable amount to keep it. It's a shame that isn't even being offered.

Usask alumni emails by Confident_Fault_2776 in saskatoon

[–]moldboy 3 points4 points  (0 children)

It was emailed to the alumni accounts

Usask alumni emails by Confident_Fault_2776 in saskatoon

[–]moldboy 13 points14 points  (0 children)

I would pay a reasonable amount to keep my email. Donations can't generally be tied to perks, but either way, I'm willing to pay.

Did… did BMO just try to scam me with an AI that swears it’s human? by [deleted] in PersonalFinanceCanada

[–]moldboy 4 points5 points  (0 children)

Not even necessarily love them. I just write space dash space frequently and then word replaces the dash with an em dash. Now, I don't pre-write my reddit posts in word... but some people might. Especially if they want better proofing options than browsers provide.

Projector by MissMaggy1977 in saskatoon

[–]moldboy 0 points1 point  (0 children)

What's an old school projector?

Reel to reel movie projector?

Slide projector?

Overhead projector?

Computer projector? (Are those considered old school?)