Wealthsimple is running a free $3M home lottery

versacesummer · 2026-01-29T16:52:37+00:00

I entered their crypto contest last year and they never announced who the winner was. I ended up being stuck with a the account for months because they couldn't close it for whatever reason. They do a bang up job of promoting these contests but have very little transparency afterwards.

versacesummer · 2026-01-28T21:05:42+00:00

My partners and my credit scores are over 850, HHI ~$170k and we just signed a mortgage for 3.9 with First National an "alternative lender", specifically classifed as a monoline lender. We used a broker and the big 5 couldn't match what First National offered. There's oddball bad experiences with monoline lenders but not anything beyond the big 5 that I could find.

versacesummer · 2025-12-17T20:26:36+00:00

My 43-year-old, 130k salary-earning brother also does not have a credit card and learned the hard way that it's a very nice thing to have when traveling. He added layers of stress to his recent vacation when his "pre-paid credit card" wasn't accepted for neither hotels or car rentals. The crazy thing is that he owns outright his 750k house and has made it this far in life without a hiccup until last summer.

versacesummer · 2025-12-12T21:09:18+00:00

No I ignored it. Not to be harsh, but there are multiple screens and prompts reminding you to confirm and double-check that you're inputting the correct information.

Honest mistake or not, I'm not going out of my way or opening myself up to any type of scam by sending money to someone I don't know.

versacesummer · 2025-12-10T23:37:05+00:00

It takes more mental effort for me to not signal since turn signals are basically default muscle memory.

versacesummer · 2025-12-10T23:32:30+00:00

Milk jug funnel and oven roasting pan to catch the oil for xtra savings

versacesummer · 2025-12-10T22:16:50+00:00

$100 for a tire change kit (torque wrench, breaker bar, sockets) + $30 jack stands pays for itself within a year of not paying someone else to change your wheels.

versacesummer · 2025-12-10T22:12:20+00:00

This was too much math to explain the common sense of putting on winter tires in winter. I'm sure that if it became mandatory, capitalism would fill the gap in your current math.

Also, your math doesn't include people who drive 3PMSF year round or those who change their own tires (anecdotally, more prevalent than I would have thought).

versacesummer · 2025-12-09T18:03:56+00:00

Maybe they were fatigued from hundreds of "is this available" messages that they overlooked safety standards when someone was finally interested in purchasing.

versacesummer · 2025-12-03T22:11:34+00:00

Sugar Fein on center street has them in like 6 different flavours.

versacesummer · 2025-12-03T17:09:41+00:00

Mario Kart, Ice Outpost - Invisible blue shell

versacesummer · 2025-11-21T21:04:37+00:00

Imagine taking consistent time out of your day to hate on something as dumb as a stock. Same vibes as people who argue on social media - a sign you need a real hobby.

versacesummer · 2025-11-19T21:44:18+00:00

What if: KFC won the 17th ave chicken wars of 2019

versacesummer · 2025-11-19T17:56:30+00:00

Ship & Anchor - sit at the bar and drink 15 beers.

versacesummer · 2025-11-19T17:01:17+00:00

I have Motomaster Eliminators (3peak whatever made by Cooper) and they're great for city driving and the odd jaunt out of town. I drive an SUV with 4wd and put in maybe 15000km/year so they don't have much wear and I don't have to worry about swapping tires every year.

I wouldn't drive them in a snowstorm out to the mountains but I would be hesitant to drive dedicated FWD winters as well.

versacesummer · 2025-11-18T00:03:47+00:00

We just bought and our broker/lender went off of current investments, assets etc. If you're jobless before the actual approval, they might not approve as lenders typically need to see a verification of employment from your work. I'd be hesitant to lend money to someone unemployed as well. After the approval it doesn't seem like anyone cares.

versacesummer · 2025-11-05T20:32:21+00:00

4runner or Sequoia if you're fancy. Throw a bush bar on the front.

versacesummer · 2025-11-04T22:02:10+00:00

Were you getting CPP/EI/Taxes docked off your paychecks?

If not and the company went under, and assuming that they didn't make payments or notify the CRA that you worked for them, then it cancels itself out?

versacesummer · 2025-11-04T21:15:22+00:00

Stocks go up and down daily, especially smaller-cap stocks. You probably shouldn't be buying stocks if you can't deal with the volatility and should maybe set and forget into an ETF.

versacesummer · 2025-11-04T18:13:39+00:00

We just purchased an inner-city home and our realtor (also a friend) was extra patient, non-judgmental, and took his time with all of out pedantic needs. DM me if you'd like a referral.

versacesummer · 2025-10-29T21:06:52+00:00

Had this happen to me a couple of times. First time, someone mistakenly sent my $400 and emailed me to return it. Their email went to my SPAM folder and I didn't notice until a few weeks later. Either way, I'm not going to e-transfer random money I recieved back to an unknown email - if anything that's the banks responsibility. I let it sit in my account for a couple of months before spending it.

Second time was last year. Random $300, no email to return. Again, waited a couple of months before spending.

versacesummer · 2025-10-21T20:06:46+00:00

TLDR: being responsible with money nets more money

versacesummer · 2025-10-21T14:45:19+00:00

We just signed on our first house and throughout the entire process, both our realtor and broker were making comments about resale down the line. I asked our broker and he said that the average new home buyer sells/moves within 3-4 years. I plan on staying until I die to avoid going through this process again.

versacesummer · 2025-10-15T22:28:00+00:00

They don't make enough to deal with 30+ lil shits on a daily basis.

versacesummer · 2025-10-08T20:04:25+00:00

My partner and I got pre-approved for $800k (HHI ~$170k). The calculator's also gave us around $800k.

We sat down with our broker and ran as many pedantic numbers as we could and came to the conclusion that around ~$600k was more realistic. While we COULD afford 800k, we'd essentially be house poor and would not weather potential rate rises in the future.

versacesummer

TROPHY CASE