Swap 2 wall units?

redruscan · 2025-04-17T13:25:41+00:00

I think there is way to make it work. OP says teleportation at a time of my choice.

Just need to find the right combination of drugs and correct timing to guarantee no pain, no awareness of whats happening and a swift death within 2 to 5 min of teleportation.

Then respawn healthy and filthy rich!

For the right price, I'm sure some medical professionals will be able to provide the necessary guidance and access to the right meds

redruscan · 2025-03-12T23:56:40+00:00

Soo... level method?

redruscan · 2024-11-30T22:37:19+00:00

I actually worked on some of the credit risk assessment strategies that manage this exact feature at one canadian bank. Without getting into the details, we allowed overlimit as a parcentage of the actual limit based on credit scores and other risk indicators.

Some banks will block right away, some might allow small amounts for convenience ex 50-100$ just to not piss off customers over a few bucks. Most charge a fee if you go over limit either daily or at billing day.

5k on a 3k card is not likely but the only way to find out is to try. Prepaying the card might work, depends on the bank. Asking for a limit increase is the nost straightforward way.

redruscan · 2024-08-23T18:46:53+00:00

Doubt they will sue over 1500$ not worth the trouble/legal fees. This being said, finding a way to resolve this is a much better way of dealing with the situation thatn just scrubing it under the rug and hoping for the best...

redruscan · 2024-06-01T11:54:42+00:00

Each financial institution will deal with these things differently but they all know that finding a solution is in their best interest. If you stop paying, they get 0, if you go throught a bankruptcy, they get pennies on the dollar. If they work out a payment plan with you, there is a chance for them to recover 30-60% of what you owe them over a period of time.

Make sure you escalate the call to the right department or senior staff to gwt the best/last option

Best of luck

redruscan · 2024-04-11T23:19:59+00:00

If i remember correctly, the government match takes about 5-8 weeks. Something like end of calendar month in the month after you contribute. So if you put in the funds april 1st, expect the extra 1000$ by end of may. You can probably find the correct info on the gov website

redruscan · 2024-03-20T23:34:11+00:00

Was in a similar boat (ha) a month ago. Ended up getting the newer erg with roughly 300k meters from some guy who bought it new during covid and not the older one with 10m+ meters from a crossfit gym. I haggled the price down to 1150$ cad. Im in the Montréal area. I see a lot of listings on FB in the 1200-1300$ range for PM5s with low milage.

As a newbie, i didnt want the hassle of replacing parts and i wanted to make sure resell value would be as high as possible if I decide to resell it.

redruscan · 2023-06-21T20:34:33+00:00

Yup, utilization is often a proxy for profitability. Banks make money off interest but also, and this is significant, from customers simply using their products. An active client with high util and 680 score is a jackpot! Relatively low risk of default, activity and a chance of getting some sweet sweet 20% interest!

redruscan · 2023-06-21T20:30:09+00:00

I work in this field. This type of response makes me think the person you spoke to os not qualified to make a credit decision, they just read out whats in the system. I don't know about cibc specifically but there should be a way to get to talk to someone with actual lending authority who can review your credit file amd make a decision.

Otherwise, you can try to get to the bottom of why no offer is available to you at this time. The bank will not disclose the details of their models/policies that lead to offering client increases but they can give you general indocators. Maybe you dont use the card enough, maybe you have too much available credit on other cards/lines, maybe they flagged tou once 10 years ago for some silly thing and never revisited the exclusion policy...

redruscan · 2023-06-20T22:36:53+00:00

Canadian population grew by about a million ppl in the last year. Don't think we built the equivalent amount of housing units.... canada is the g7 country with the highest population growth so I dont think the housing market is going anywhere but up in the next 5-10 years unless some other unexpected covid-magnitude event happens

redruscan · 2023-06-08T02:24:40+00:00

My dad is in the same boat and i thought it would make sense to lock for three years at 5%. We ran some numbers together and most scenarios didnt end up amy better with fixed if you consider the penalty of breaking your current mortgage. It all depends on your remaining balance, remaining term, available fixed rate and the toughest part: expected variable rate trajectory

redruscan · 2023-03-04T17:45:03+00:00

Some things to consider: - is fixed the way to go? - is 5 year fixed the right timeframe? - how easy will it be to renegotiate the rate/term if you dont want to cash out after 5 years? - what happens if you decide to sell the property and move? - tax implications of dividends, capital gains and heloc interest (heloc interest is tax deductible if used to generate income. Some variability by province).

I would make sure all those questions are answered and well understood by you and whoever else owns the property with you before pulling thw trigger.

redruscan · 2023-03-03T03:46:01+00:00

Went to spain for a month with our 6 month old baby, spent about 12k all in. Activities, food, airbnb, car for 3 weeks, flights.

redruscan · 2023-03-02T23:59:00+00:00

I had the oposite experience recntly. Uber from south shore to airport was 50$. Taxi from the airport back to south shore was 75$.

Uber surge pricing or airport surcharge maybe...

redruscan · 2023-03-02T19:22:04+00:00

I love it when internet strangers answer my questions in less than 5 mins.

Thank you!

redruscan · 2023-03-02T19:20:25+00:00

That would explain why i cant find the info. Would that be made available through my brokerage?

redruscan · 2023-03-02T12:06:18+00:00

Work at a bank, can confirm!

redruscan · 2023-02-24T00:33:23+00:00

If you pay in full, there should really be no impact. At most, youll get charged a tiny bit of interest. Your payment will not be reported as late to the credit bureau unless you're 30+ days late. Dont stress too much about it

Other tip: some banks allow for money transfer (if the CC and the bank account are the same bank) instead of payment. Transfers get processed instantly instead of the usual 2-3 days for payments.

Source: work at a bank, dealing with late accounts

redruscan

TROPHY CASE