What are my chances of getting approved for a home equity loan?

I have a bad credit score (580) and I’m trying to take out a home equity loan of 150k using a home worth 1.5m that’s paid off. Is there a chance I’ll get approved by TD? Thanks in advance.

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u/Decent_Release3804 — 11 days ago

Would you prefer late night lash appointments?

For those who work 9-5s or other shifts that don’t allow you to get lashes in the daytime. Would you prefer if your lash tech offered late night services?

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u/Decent_Release3804 — 1 month ago
▲ 646 r/JUSTNOMIL

What would you do if your MIL just keeps “poisoning” you and your cat?

I’m literally at my wits end with this. To preface, the house is under my husband’s name, she lives with us. So this MIL is extremely stubborn, to the point where she will literally argue with a professional because she believes she’s right. So for the past week, every single time we leave the house she would go inside our room and spray the entire washroom down with undiluted bleach and crank the heat up to the max and shut the door. She believes this is killing the mold in our bathroom (which we don’t have). The biggest issue in all of this is that our cat likes to hangout in our room, and she can easily open the bathroom door. Ever since she’s been doing this my cat has been reverse sneezing, and my husband and I have been having headaches and sore throats. It’s to the point where I’m seriously contemplating calling the cops to remove her. We’ve told her many times that there is no mold and that the bleach situation is extremely dangerous especially for the cat. But she will literally scream saying she’s right, that we don’t know how to take care of the house and that she’s been doing this her whole life. I just can’t fight with someone who won’t accept the facts. My husband had a huge fight with her but obviously because it’s his mom, he doesn’t want to evict her. It’s crazy to say that no one in this world triggers me more than her. Not even my own parents, which is insane to say because I’m not even close with them.

Edit: for the time being I’m gonna move my cat and I to my parents house. He can deal with this bs on his own since he doesn’t want to do his mommy wrong 😇

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u/Decent_Release3804 — 1 month ago

Richmond’s filled with unaware people

Baffles me how many people have 0 self awareness. Seems to be most prevalent in Richmond. Why are we blocking sidewalks when there people are clearly walking…like are yall not checking or do yall just not give a crap?

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u/Decent_Release3804 — 1 month ago
▲ 162 r/ibs

Developed agoraphobia because of IBS

I’ve developed a severe fear of leaving the house, especially alone. Why? Because I’m terrified of getting a stomachache and not be able to find a bathroom. It sounds so irrational but it’s genuinely consuming my entire life. I haven’t worked in 3 years and I haven’t been able to have a social life. I literally take 6 Imodiums everytime I have to leave the house but as soon as I feel a stomach gurgle, I start panicking and need to get home asap. I also get vasovagal syncope that’s triggered by stomach pain, so on top of panicking, I also get super hot and light headed and have to lay down. It’s ruining my life.

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u/Decent_Release3804 — 2 months ago
▲ 7 r/ibs

Gas pain so bad I can’t get out of bed

I had some pumpkin chia seed oatmeal and took a nap. Now I’m in horrible pain. Like worst gas pain I’ve ever felt. I can’t get out of bed. The pain is like stuck in my upper abdominal area. What should I do😭😭😭

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u/Decent_Release3804 — 2 months ago

Should I ask for a refund?

I’ve been going to this lash tech for 2 years now and for the past 2 months, her work has gotten worse and worse. I’ve let her know that I’ve been having retention issues but she told me her other clients have good retention so she’ll charge me to “fix” the lashes. But the past 3 times I’ve gone, a couple lashes fell out within the first day (no real lash attached), there’s glue residue all over and some of my lashes are glued together and is getting a bit sore. I’ve attached a pic where I circled the glue and stickies. Would you professionals consider this poorly done? Idek how to ask her cos she’ll just tell me none of her other clients have these issues.

Edit: this picture was taken after I cleansed with the lash shampoo and brush she gave me. The white gunk is dry glue that wont come off no matter how hard I scrub. It’s hardened and pretty painful when I close my eyes.

u/Decent_Release3804 — 2 months ago

How do I break up with a lash tech

I’ve been going to her for a year but her work has gotten more and more sloppy. My lashes start falling out within the first hour of getting them cos the base isn’t glued on properly and she leaves glue residue all over my waterline. The thing is she always asks me when r u coming in for a fill? Or how are the lashes? Should I be honest with her to help her improve or just ghost?

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u/Decent_Release3804 — 2 months ago

Should I follow up after a stage shift?

I did a free 2 hour “stage” at a restaurant, it’s been a day only, should I follow up with the chef or wait till they contact me first? I’ve literally never done a stage before

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u/Decent_Release3804 — 2 months ago
▲ 23 r/biology

Why does weed make some people nauseous?

I’m not a heavy smoker but after vaping a weed pen for 3 weeks, I started developing nausea in the morning and loss of appetite. I tried weed prior to this and had the same reaction (stopped for 2 years). It also gives me the shits… I’ve tried edibles as well and didn’t react well to it. Just trying to understand what type of reaction I’m having to weed? I’m definitely more sensitive to it than most people I know.

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u/Decent_Release3804 — 2 months ago

Anyone’s cat knows when you’re about to get your period??

It’s really strange. My cat doesn’t enjoy cuddling or getting touched but this morning she laid on my stomach for awhile and started purring and making biscuits. Later on in the day, I get my period. Can they sense that something’s about to happen? She’s also way more affectionate with me during the time of the month.

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u/Decent_Release3804 — 3 months ago
▲ 57 r/askvan

TMI.. has anyone had explosive d* in Vancouver??

As many of you have seen on the news there’s a cyclospora outbreak in the US tied to Taylor farms lettuce. Has anyone purchased any of their products recently and experienced symptoms?

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u/Decent_Release3804 — 3 months ago

Is it normal for my cat to always be watching me?

I adopted a 7 year old girl about a month ago. She follows me almost everywhere and likes to stare at me doing random things. Is this normal curious cat behaviour or does she not fully trust me? She doesn’t do this with anyone else in the family

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u/Decent_Release3804 — 3 months ago

Is this appropriate as a guest

Bride and groom said “no dress code” I don’t want to be overdressed nor under dressed. Would you say this is sort of in between?
Thanks so much!!

u/Decent_Release3804 — 3 months ago
▲ 2 r/ibs

Is food poisoning worse for those with IBS?

Fellow IBS sufferers, do you find that food poisoning is worse for you compared to people without IBS? I currently got a bad case of it but I’m going to the bathroom far more often than my partner ( who doesn’t have IBS). It’s even worse cause I know this bout of FP is gonna set me back again. I’m seriously so upset, after a whole month without a flare, this happens…

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u/Decent_Release3804 — 3 months ago

Does wella toner fade/ wash out eventually?

Hi this is my first time toning my hair at home. I have pre lightened hair and I’m just wondering if this product will stain my hair permanently or if it’s hard to strip if I go in to get my hair lightened again?
Thank u:)

u/Decent_Release3804 — 3 months ago

Why does my cat stare at me like this?

I adopted this girl 2 weeks ago and she’s been following me around everywhere looking at me like this? Does this mean she wants to hunt me? She sits a couple feet away just staring into my soul. Can someone explain what this means?

u/Decent_Release3804 — 4 months ago