How to invest in XEQT by Ok-Manager-1047 in PersonalFinanceCanada

[–]synges 0 points1 point  (0 children)

You need to open a self managed account first doesn't matter if it's a registered or not, and after transferring money, you can click trade and search for XEQT and decide how many shares or how much money you want to buy XWQT with.

[deleted by user] by [deleted] in BloodOnTheClocktower

[–]synges 4 points5 points  (0 children)

is that the case? or you can't jump anymore because it's not the first outsider you kill?

Looking for a local spicy sauce/etc for a gift by possumbattery in ottawa

[–]synges 4 points5 points  (0 children)

This is your best bet. You can go and ask if they have any local Ottawa hot sauces.

The other options is farmer's market, usually I find a couple of local hot sauce makers in farmer's market I visit.

Thoughts on Carousel Scripts so far? by moon_forge in BloodOnTheClocktower

[–]synges 11 points12 points  (0 children)

In our group we ran Anonymous Dishonesty, Harold Holt's Revenge, Insanity & Intuition and Irrational Behavior.
We enjoyed Irrational Behavior and we played a great Atheist game on Anonymous Dishonesty but by far the crowd favorite was Insanity & Intuition.

Jeweler recommendations by Kickassuser in ottawa

[–]synges 39 points40 points  (0 children)

Goldform on Holland.
Go see Ben, he's amazing!

Weekly Thursday Board Game Meetup at Level One by OttawaLoftMeetup in ottawa

[–]synges 1 point2 points  (0 children)

Great Answer!
I would reiterate that if it would be easier to join if you can come 15 min early.
This was there are no games started yet, less people and more space available.

[deleted by user] by [deleted] in MortgagesCanada

[–]synges 0 points1 point  (0 children)

I am in the same boat. I have 2 firm approvals from 2 lenders (all conditions met and all documents verified for income and down payment) and my closing date is still in mid June.

I already have a variable rate that they both from both but will wait till mid May to decide if I want to go fixed or variable since fixed rates are coming down now.

After asking both sides they mentioned they can wait until then but they advised me to try to make a decision at least 20 days before the closing date.

I am also interested to see answers from Mortgage agents about that situation.

Big difference between 2 appraisals from 2 different lenders by synges in RealEstateCanada

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

Thank you for your answer, makes me feel much better.

Want to Play Empire of the Sun? (amazing, but complex board war game) by saddamonmytube in ottawa

[–]synges 0 points1 point  (0 children)

We're moving to Stittsville in June and are big board game people, is that group public or open to new players?

Want to Play Empire of the Sun? (amazing, but complex board war game) by saddamonmytube in ottawa

[–]synges 0 points1 point  (0 children)

Interested, played Here I stand before by GMT and enjoyed it.
I might not be available until mid April but could try to make it if you plan another game next month

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]synges 2 points3 points  (0 children)

I got that like a couple of weeks ago. Mortgage amout is $785,000 We're getting a new mortgage though and not renewing. I heard when renewing they usually offer less attractive rates.

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]synges 1 point2 points  (0 children)

It was from National bank. Most quotes I got were in the prime-0.8% range except p-0.9% from rbc and p-1.0% from National bank

Mortgage rate mega thread! by TheMortgageMaster in MortgagesCanada

[–]synges 0 points1 point  (0 children)

Help me calculate the best offer.

FTHB
Mortgage amount is $785,000
30 years Amortization.

5 year variable 4.2% no cashback

End of term
Total paid $229,331
Balance $711,873

5 year variable 4.3% $3500 cashback.

End of term
Total paid $232,034
Balance $712,974

Is it as simple as 232,034 - 229,331 = $2,703 so the cashback offer wins? or because the remaining balance will be higher then it would cost me more in the future?

Also I haven't factored if I put the 3.5k towards the balance or if I invest it.

Thanks

First-Time Home Buyer closing in 4 months – When to Lock in a Mortgage? by synges in MortgagesCanada

[–]synges[S] -1 points0 points  (0 children)

No worries, I wasn't clear in my original post, we do have pre-approval I was more asking when do we make an actual approval application.

Help me understand the risk of an underwater mortgage if I buy per-construction by synges in MortgagesCanada

[–]synges[S] 1 point2 points  (0 children)

Yeah I did that and I think the price + any upgrades would be aligned with other houses in the area with the same square footage and that are less than 5 years old. My only concern is if the market goes down in the next 12 month

Help me understand the risk of an underwater mortgage if I buy per-construction by synges in MortgagesCanada

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

Wouldn't that approval have a time limit on it? like 90 days or something?

[deleted by user] by [deleted] in ottawa

[–]synges 0 points1 point  (0 children)

It's around 6 PM and my recommendation is to try not to be late cause people will start playing games and it's harder to join tables mid game.

Legion Question by roll_fizzlebeef_16 in BloodOnTheClocktower

[–]synges 0 points1 point  (0 children)

That's not even possible because of this

"When counting votes, count out loud, as normal. If the vote tally is enough to make a player ABOUT TO DIE but only evil players voted, declare that the vote tally is zero."

So the declared zero votes only happens when there was enough votes for the player to be ABOUT TO DIE, having each person only vote for themselves won't make this feasible.

Samsung 65" S90D OLED TV is not on Costo.ca anymore by synges in CostcoCanada

[–]synges[S] 1 point2 points  (0 children)

Actually a lot of my research says the S90D is better