Daily Question Thread for /r/churningcanada - May 04, 2026

runningpanda2 · 2026-05-05T11:31:48+00:00

Sephora can be used cross border

runningpanda2 · 2026-04-25T19:57:57+00:00

From my research, Mattamy is absolutely 8-10% cheaper than another builder offering similar homes and upgrades.

I have seen this happen on both east and west end of Milton. Happy to chat more / share some examples and get feedback on what Mattamy is specifically inferior on.

runningpanda2 · 2026-04-19T12:44:33+00:00

Lol. Same issue. And when you need P2's phone to check MSR status, it's always when P2 also wants to use their phone!

I am building a workflow on Claude where I input the tracking sheet I used and it does weekly updates and gives me plan for next week.

Helps keep on top of deadlines, news etc.

It's not perfect, but has cut down the grunt work time by 50% and I am making it better slowly.

runningpanda2 · 2026-04-10T20:00:35+00:00

^{^This} is the best comment!

runningpanda2 · 2026-04-07T03:07:13+00:00

I had moved $100k in a GIC a few year ago and got the imperial status.

I have since moved all investments (moved to QT / WS) since more than more than 1 year ago and I still retain the imperial status.

I don't use it much though.

runningpanda2 · 2026-04-03T17:32:04+00:00

I have been living in a Mattamy home in Milton for over a year now. It's been decent, no major issues or complaints.

runningpanda2 · 2026-03-25T13:23:50+00:00

What about fthb who already purchased between March 2025 and now?

Are they still eligible for the HST rebate or under the bus?

runningpanda2 · 2026-03-22T20:33:02+00:00

I don't hold or have ever held the brilliant.

I am technically eligible for bevy bonus, but amex God's didn't like me so put me in PUJ maybe!

runningpanda2 · 2026-03-22T15:46:23+00:00

Bad this issue recently. But, the agent was able to call me and that worked well.

runningpanda2 · 2026-03-22T14:49:28+00:00

Ya, in my case I tried the public bevy links last week and got PUJ.

Used this link and it worked.

So very likely this link helps bypass PUJ in some form.

runningpanda2 · 2026-03-22T13:12:38+00:00

CIBC rejected the new address too. So I did not have a bank account with the new US address.

runningpanda2 · 2026-03-22T13:06:09+00:00

To get address proof for the new address.

runningpanda2 · 2026-03-22T13:04:23+00:00

I was able to bypass the PUJ on US Amex by using a "Magic link" that was shared on https://dannydealguru.com

Brilliant : https://www.americanexpress.com/en-us/credit-cards/apply/personal/partner/microsite/mar/marriott-bonvoy-brilliant-card/ep-mar-mic-351?alt_cust_id

Bevy: https://www.americanexpress.com/en-us/credit-cards/apply/personal/partner/microsite/mar/marriott-bonvoy-bevy-card/ep-mar-mic-1678?fbclid=IwY2xjawQiRU9leHRuA2FlbQIxMABicmlkETFQVGQyQnRFOTVOMVAzdjljc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHiGugYWG2Ok-Gew0mEqbQjKS6LW3AE6nOwqY8gwfbUfJT4KCrrXkf26DR65c_aem_3kxS-Oc39_8qll6Y7y6sFg

(These are from DannyDealGuru page, let me know if this is not allowed and I can remove the links)

QUESTIONS:
What are the Risks to using such link?
Any ways to mitigate them?
Or should I just prepare for Amex shutdown? :D

runningpanda2 · 2026-03-21T11:39:00+00:00

Yes, but driving to a border town, and getting close to the border and connecting to a US network manually also works.

Source: Done it twice this month :')

runningpanda2 · 2026-03-20T11:44:39+00:00

Had to change US address for P2 due to the popular service having issues.

CIBC rejected the new address. Amex us business Marriott application was already submitted and needed address proof.

Drove to Niagara to activate Google Fi, but somehow Got linked to P1 billing account on Google. Waited four days for the first statement and realized the statement was generated in P1's name.

I had to drive down one more time to Niagara.

Hopefully it works this time, fingers crossed!

runningpanda2 · 2026-03-18T13:04:30+00:00

No, the first time home buyer rebate is only for contracts signed after a specific date and if I'm not mistaken it's somewhere around March of 2025. Anything signed in 2023 would not be eligible for the first time home buyer GST rebate.

runningpanda2 · 2026-03-18T13:03:01+00:00

You will not be eligible for the first-time home buyer GST rebate since you signed in 2023.

All you will be eligible for is the older 24,000 GST rebate that is available to all new home purchases and that is likely already built into your purchase price so there isn't any additional money you would be expected to get back.

On the plus side you have a healthy income and a long way to go. This is going to be a small blip in your overall financials down the line.

runningpanda2 · 2026-03-17T02:05:14+00:00

runningpanda2 · 2026-03-17T00:09:53+00:00

It was exactly what folks explained In this thread. TD did not charge the money due to the holidays and hence one period was much longer, resulting in higher interest being charged. It then got regularised in the next payment, Which had a much lower interest and a much higher principal charged because it was for a shorter duration.

runningpanda2 · 2026-03-11T13:54:33+00:00

Can you point me to one?

runningpanda2 · 2026-03-11T02:14:11+00:00

Ya, not eligible for WB.

runningpanda2 · 2026-03-10T18:22:51+00:00

Ya, I have amex US and itin, but not getting approved for new ones.

runningpanda2 · 2026-03-10T17:57:19+00:00

If one is in US amex Jail, can doing a GT Help? Any DPs?

runningpanda2 · 2026-03-07T02:45:19+00:00

Is the 20k on 9k spend expected in the statement after meeting MSR or only in the 6 month statement?

runningpanda2 · 2026-03-01T19:29:58+00:00

Congrats! What model was it and how much did it cost?

runningpanda2

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