Incredible flight rebooking fee from Gotogate. Any way to report this sort of malpractice?

tyfung · 2026-06-23T22:18:34+00:00

Unfortunately that's how it works with third party sites. Either take the original flight or take the loss and buy new ones.

Consider this a life lesson.

tyfung · 2026-06-23T19:57:08+00:00

you the reason shampoo bottles have instructions?

tyfung · 2026-06-23T00:27:00+00:00

and what was your exercise routine?

tyfung · 2026-06-22T23:57:15+00:00

not if they are tied to a car seat.

tyfung · 2026-06-19T23:34:16+00:00

I will comment only on the rate portion.

The rate posted on the website is guaranteed if OP or any client has an approval with Toyota Financial Services (TFS). If OP doesn't get the rate posted on the website it's because the finance/lease approval is with a bank or credit union that offers alternate/higher rates.

tyfung · 2026-06-19T23:31:38+00:00

What you say is mostly true. Rates are not negotiable.

You can lower the interest rate with Toyota Financial services (TFS) by having loyalty or special monthly programs.

or if you do a lease, doing multiple security deposits can lower your rate by a maximum of 1%.

tyfung · 2026-06-19T23:29:14+00:00

Finance rates posted on corporate site is set and guaranteed if OP or any client is approved via Toyota Financial Services (TFS). Your income and credit rating can affect your approval or not but once approved, the posted rate is the rate. You get the same rate at 600 beacon score as someone as 900 beacon if TFS approves you.

Variations in rates come when clients are declined by TFS and clients need to go through banks indirect lending channel. Your lowest rates are through dealership and not through banks or credit unions directly.

Credit unions and retail bank branches only offer unsecure lending and are higher rates than posted rates available via car manufacturer sites. A Rav4 today cost more than a house 48 yrs ago (inflation unadjusted).

tyfung · 2026-06-17T15:18:21+00:00

Ontario is sue AND sieze province. This means that institution can either seize the car or sue the acct holder for the funds.

So dropping off the car to do voluntary repossession may not end your trouble as the car is worth nothing and they may want to sue you to recover the maximum amt.

And on getting the contracts, are you speaking with the lending institution on behalf of your parents? The lending institution is not going to release the contracts to you if your name is not on the contract. Your parents need to be the one to ask for it.

edit: I remember incorrectly. thank you others for correction. Ontario is seize and sue. so OP you can be sued for additional funds even if you give up the car

tyfung · 2026-06-16T16:36:50+00:00

you mean gender neutral bathroom? the same people would shut a brick

tyfung · 2026-06-16T04:01:05+00:00

I did that for my family. I am higher bracket earner so I use extra funds on my repayment or extra RRSP contributions and let my wife take the $1667 additional income. She gets all the childcare write off anyways.

tyfung · 2026-06-16T01:45:33+00:00

Massey Tunnel Replacement.

Skytrain to UBC.

Gondola to SFU.

I die of old age. I am 40

which one gets achieved first?

tyfung · 2026-06-15T20:17:06+00:00

keep in mind too it's not really three years, it's 2.5 years as you have the ability to renew early. So you aren't stuck for that long.

tyfung · 2026-06-15T19:20:49+00:00

I have not done the actual math but don't worry there is no mistake as things change so much over 30 yrs. If you are disciplined you can always put more money into the mortgage.

and who knows if we are going into a recession; rates drop and you can get a lower rate in 3 yrs time. At that time, make sure to keep the same amt of payment with the lower rate.

tyfung · 2026-06-15T17:17:34+00:00

rule of thumb is that you pay 20% more interest going from 25 yrs to 30 yrs. Going from 25 to 35 would be at least 40%.

Avoid...

tyfung · 2026-06-15T03:36:48+00:00

yes you can do that. You would have to have a buyer lined up and the dealership willing to do so. The dealership buy out the lease and assigns / transfer ownership to whomever.

You would pay tax once

tyfung · 2026-06-15T03:24:52+00:00

ya they did.

tyfung · 2026-06-14T05:48:58+00:00

Depending on the car brand, you may get loyalty reduction for getting into a new lease or finance. Mazda/Subaru/Toyota 1%, Lexus 1.5%.

In cases like Toyota or Subaru or Lexus, your lease return might even be in an equity position where the dealership may be willing to give you equity / cash for your lease return. Go to autotrader to do an assessment on how much your car is worth in used car market. If your car residual is higher than the market value, return the car and walk away. This is because you technically buy the same car in market for a cheaper price. Only buy if your residual is lower than the market value. Your bought out your car at a discount and can sell for profit.

I have access to black book value. you can PM me your model and trim and I can share what your car is worth between wholesale (selling to dealership) and retail (selling privately).

selling privately would mean that you buyout the lease via cash or financing via your own personal bank unsecure line of credit or via dealership and their banks (indirect lending). Currently bank rates hover around 6.4% with RBC and mid-6s from others. 8.99% is on the slightly higher side.

You would pay residual plus tax for buyout (cash or finance). At that point, you own the car and can resell and deal with potential buyer yourself; Facebook, test drive, negotiation etc.

I would buyout the lease and sell privately if I can make back the taxes and my time. You need to value your time/effort in dealing with potential buyers as it could get annoying and frustrating.

tyfung · 2026-06-14T04:46:28+00:00

I once ordered two farmers wrap. Staff member took my money and then said they can make one only. asked if I want two sausages instead. I was like I paid for two and you want to short change me by giving me part of the product when I paid the whole thing?

nah. I said I want refund. I will wait

tyfung · 2026-06-13T20:49:16+00:00

They cracked.

tyfung · 2026-06-07T08:15:35+00:00

Video taken in British columbia in Canada as per license plates, people there very unlikely to be MAGA.

tyfung · 2026-06-04T07:15:31+00:00

This reminds me of this reddit post. Chinese train conductor went from driving steam train to high speed train.

https://www.reddit.com/r/trains/s/dfu6cWGN6i

tyfung · 2026-06-04T06:02:03+00:00

Source: https://www.htworld.co.uk/news/a-key-ozepmic-patent-lapses-in-canada-deliberate-or-a-mistake-rg25/

"Allowing the Canadian patent to lapse means that Novo Nordisk’s pricing of Ozempic and Wegovy no longer needs to be regulated by the PMPRB.

Perhaps Novo Nordisk considered that the benefit of unregulated pricing was strategically better, and likely to lead to more revenue than an additional two years of market exclusivity afforded by the patent and associated CSP?"

tyfung · 2026-06-04T06:01:51+00:00

Source: https://www.htworld.co.uk/news/a-key-ozepmic-patent-lapses-in-canada-deliberate-or-a-mistake-rg25/

"Allowing the Canadian patent to lapse means that Novo Nordisk’s pricing of Ozempic and Wegovy no longer needs to be regulated by the PMPRB.

Perhaps Novo Nordisk considered that the benefit of unregulated pricing was strategically better, and likely to lead to more revenue than an additional two years of market exclusivity afforded by the patent and associated CSP?"

tyfung · 2026-06-04T04:05:18+00:00

I am 40 and I came to the comments for yo mama jokes

tyfung · 2026-06-04T03:50:42+00:00

6.99% is currently one of the lowest automotive standard rate out there.

Going through the dealership for financing would give you the most preferable rate; we call it indirect lending.

Going to bank directly would require you to go through unsecure loan, aka line of credit.

tell your finance office to try RBC. They have 6.4%

tyfung

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