u/Alarmed_Reach5446

In BC

I'm a student who acquired a mortgage through a "mortgage assumption." I have sick and aging parents and as a result, "bought" the house from them by taking over their mortgage. Essentially inheriting it while they are alive.

I am up for renewal in March and to my knowledge, I can start shopping for rates starting September. But I do not know where to start.

With RBC, there's about $150k at 3.1% fixed on it.

Truthfully, since I am a student/will be a new grad my income is weak ($36k net) and my credit is poor. Selling the place would not be ideal, value is about $500k.

Do I start with RBC immediately for their rates or shop around and see if RBC can match those rates if they're lower? What about re-financing the mortgage? The payments are tolerable right now but I have no safety net. Since I'm young I wouldn't mind extending it to drop the payments a bit.

On the side I was also considering a HELOC to consolidate my credit card debt and bring it to a more manageable interest rate. How would this affect my renewal chances, should I wait before or after the renewal?

TIA, I appreciate the patience

What's the read on a 2009 Toyota Matrix Model XR with 210k km on it? Someone is selling for $6,500 but can likely negotiate down to $5,500. It's been rust-proofed every year for 7 years, which is crucial as I'm in a cold climate.

I truly want to jump 20 points in two months.

What are the most batshit insane/crazy/maybe not healthy study tips or methods you guys have that worked?

5h studying/day? Multiple PTs per day? Any youtube videos that finally helped concepts click? Adderall?

Open to anything.

hello all,

I am looking to purchase cupcakes, a long rectangular cake, and maybe some cookies that are wildflower/pastel/summer colour themed.

Any insights on bakeries or artists? Open to small business, big ones, instagram, etc.

Bonus points if they deliver to/or are located in Gatineau.

TIA!

I bougbt a 2010 Yaris with 120k on it for about $5000. The mechanic said other than the muffler and welding some patches it is fine, I feel duped.

I dont mind a junk car and the mileage is nice and low but the underside is FULLLLYYYY rusted. I cant even jack the car up without the jack puncturing through and dropping rust crumbles.

Even if I took it to a body shop they probably wouldnt have anything to weld to.

Is it worth investing in trying to salvage anything on the bottom or am I risking damage to the brake mechanisms and axle too? The bottom of the doors is a bit rusty as well but I genuinely do not care for visuals.

Wish I had photos to post but forgot to ask for them from the second mechanic.

I've done a super sprint before and have a sprint tri coming up.

The other one was short enough where I didn't need a wetsuit but would like one going forward.

A shop in my area rents them out for $150 for a few days but I was wondering if it's worth buying one instead as I want to do them more seriously going forward.

In Canada for context, any insight on the following or any recommendations

Men's Neoprene Wetsuit, OWS 500 | Decathlon

Basically the title. Where on earth are the showers inside of PDP IV? I see folks going for runs and bike rides all the time during lunch coming in and dripping in sweat. Surely there's showers somewhere in the building, but where?

I know there's an anytime fitness nearby but there's only a handful of showers and it is extremely busy and dirty from 12-1.

If I can find decent showers in the portage complex I might actually consider going for workouts and runs during lunch.

There seems to be a new Iranian grocery store on Boul Greber. Any insights on the products, food, etc. I think it is new.

I am an absolute beginner. Not just to triathlon but to working out and sports in general. I have lost 80 pounds over the past two years by slowly running and biking and team sports. Movement is easier but my cardio capacity and endurance is still horrid.

Right now my paces are as follows for sprint distances. I'm in the final stretch and will be focusing almost solely on swimming, outdoor swims, and brick workouts. Is there room for much improvement? I will be taking private lessons as well.

750m Swim (3:30-4:00min/100m)

20km Bike (~24km/h)

5km Run (6:50-7:30min/km)

The goal for the sprint even is to simply not DNF. This alone is a huge accomplishment for me.

Any success stories in a similar timeframe or less?

I started July 1st and I'm aiming to take the October LSAT with November as a backup. My diagnostic was 148 and I'm using 7sage to start but will likely supplement LSAT Demon as well.

I'm allocating 4 hours a day, 6 days a week. I've fallen short some days (2 hours instead of 4) but wondering if anyone's gone a similar route.

I'm aiming for as high as possible of course but would be very content in the 165 range.

Looking ahead to Fall 2027, I was wondering if I should apply to the general stream or the discretionary category.

I'm truly not a fan of sob stories in admissions processes and would like to get in on my own merit, but I had aging and sick parents and fell into a caregiving role throughout my undergrad and master's.

Does this fall under discretionary, and if so, what supporting documentation would be sufficient?

Thanks

hi all I’m a first time landlord and it’s my first year renting my place out that I inherited from aging/sick parents

I wish to move into the place myself, other than the three month notice is there anything I should prepare for or keep in mind? thanks!

Hello all, apologies for my lack of insight

I am a relatively new public servant (EC) living and based out of the NCR. My parents are aging/sick in another province (AB). I was wondering what flexibilities/opportunities there are for public servants to keep working while doing caretaking or visitations. I know there is bereavement leave, but that's after the fact.

Is there anything on a year-to-year basis for caretaking on a paid or unpaid basis? I am open to continuing to work but from home (another province) or to take an unpaid year, but guarantee job security upon my return.

Curious what other folks' managers have coordinated with them

I’m interested in the NPSIA Ph.D program for Fall 2027 admission but I am also a full time government worker.

I was wondering if there’s any insight on this program specifically or Ph.Ds at Carleton in general especially regarding TAships, funding packages, and course load.

I am in no rush to complete the program and to my understanding I have a limit of 9 years to do so. Curious if course loads and TAships conflict with traditional 9-5s and if folks secured a supervisor or research positions prior to applying.

TIA

https://preview.redd.it/janlcdnjxdyg1.png?width=536&format=png&auto=webp&s=7e7b55018c57c43f4626fac55b0f10f38e7ac6e5

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For context, I've always had a crooked nose and breathing issues. I don't mind the side profile cosmetically, but I do have issues with the front profile. I'm in Canada and 25 years old.

In 2024, I had a provincially insured septo-rhinoplasty with bilateral osteotomies to fix the breathing issues. I assumed the front profile would be adjusted as a result, too.

Almost 2 years out, the swelling is all gone, but the front profile is still crooked. My breathing issues are marginally better, but I also can't tell/remember how it was before to compare. The crookedness goes all the way to between my eyebrows, even my glasses don't sit right. The blue lines in the images are aligned with the centre of my face and Cupid's bow

At this point, should I revisit the ENT that did the surgery and talk about my concerns or go the private, cosmetic route? The healthcare system in Canada is suboptimal, and an ENT appointment could be 1-2 years from now. I know the subreddit is wary of surgeons in Turkey, but I am open to anything.

I also have concerns about doing surgery again and scar tissue. Any experiences with revision rhinoplasties?

Looking for advice and any recommendations.

Hi, I will be flying in for a month soon and I was curious about how the current weather is compared to previous years. I was looking at some of the other May-timed photos in this subreddit and they're very green, some with lupine blossoms!

I know the weather is wildly unpredictable but based on the Faerd and Vedur app and some photos folks are posting, the area still seems snowy and brown. Curious if this year is maybe colder than usual or if its still early for greenery?

TIA!

I acquired the home which is currently being rented out through a mortgage assumption from my parents (due to age and sickness). I am relatively low income and a new graduate.

There's about 150k left on the mortgage and I'm entirely new to this. It's up for renewal in March 2027 but I know I can start my search 6 months earlier. Any tips? What documentation should I have and what questions to ask? Current rate is 3.1% fixed at RBC.