u/Imperatvs

My mortgage (not primary residence) is coming to renewal next month. I am interested in 5-year variable.

My current lender (CIBC) gave me an awful / insulating rate, prime less 0.65.

I reached out to RBC and they are offering prime less 0.85, $1000 cashback and will cover most if not all the fees. Similar quotes from other major lenders (BMO, TD)

I took this offer back to CIBC and got them to budge to prime less 0.80.

So the options are:

1. Stay with current lender at 3.65% (prime less 0.80).

2. Switch to new lender at 3.60% (prime less 0.85) plus $1000 cashback.

The difference is $1000 less interest over 5 years and $1000 cashback = $2000 extra.

My initial thought is that it is not enough or worth it to go through the whole process of switching lenders, and the potential risks that may have. The cashback can also be eaten away a little bit if not all fees are fully covered as anticipated. I would also have to create a chequings account at the new back to get the cashback, etc.. just seems like a lot of hassle.

What would you lean towards?

I bought 3 Coway Airmighty2, and was considering purchasing 2 400S units, but now totally reconsidering after my experience with Coway.

Basically, with Coway support, you are on your own. I would have thought, given the quality of the products and the premium price they command, their support would be commensurate. But it is totally not.

One of my newly purchased Airmight2 is making a sound which is quite annoying to hear. Support people say that they will call back in 24-48 hours with next steps. Nothing. They did this three times over three weeks.

Escalated to a manager. Said that he can arrange a replacement of the unit. I said, great, but your website says this unit is out of stock...can you promise that you have stock for exchanges and that you won't leave me in limbo after I send back my unit? "No I'm not sure, I'll have to call the warehouse and get back to you to confirm that by end of day"........ and NOTHING.

False promises and running around in circles - what do I do? Never has a company wasted my time like this.

Coway customer service will not have your back. So if you're paying a premium for Coway because you hope support will have your back should you have any issues - don't.

My 2 cents.

[edit] The jokes keep writing themselves. They finally sent me an email saying here is the shipping label to return the unit, and that pickup is scheduled in 2 days...except they forgot to attach the shipping label to the email. An email and phone call letting them know they didn't send me the shipping label was in vain. Missed the pick-up window because I didn't have a shipping label. Coway customer service is the most incompetent I have ever seen. It's a big JOKE.

I've made a similar post a few years ago but nothing materialized from that. I am hoping it will be different this time around.

1. Please allow us to see authorized trader accounts in the Questrade app. I realize this is possible with Questrade Edge app, but it should also be possible with the regular Questrade app (since I much prefer that UI).
2. On the Questrade app, on the stock purchase screen, the available cash and buying power are both displayed as "Combined in CAD". I get that QT prefers to have buying power in "Combined in CAD", but why would the cash also be "Combined in CAD"? The cash should display how much cash I have in the currency of the stock being traded, CAD for TSX and USD for NYSE, etc.. I only want to use CAD to trade CAD to avoid exchange fees, so now I have to memorize how much CAD cash I have before I enter into the purchase window. Why why why?

QT, please implement these. Thank you.

I am set with using coway airmegas, but I’m having issues choosing which particular model(s) to use. House is in Canada, 3 upstairs bedrooms, ground level and a basement. Each floor is approx. 900 sqft.

Thinking I will need 1 unit for each bedroom, 1 for ground level, and 1 for basement. Ground and basement are not open concept.

For upstairs, I am torn between picking Mighty2 vs 250. The 250 is only $75 more expensive. L

Thinking about the 400 for the ground level, and the 250 for the basement.

Any suggestions would be appreciated.

We have:

Nest Learning Thermostat Gen 3

Nest Wired Doorbell Gen 3.

I control these devices using Google Home with my Google Account. I still have the nest app installed on my phone with my thermostat also there (but not doorbell), though I don't use that app anymore. My wife has been using my Google Account to log in to Google Home on her phone to control these devices. She also has the Nest app and logged in to that using the same (my) Google account.

Yesterday, I created her own Google account, so that she does not have to use my Google account to control the devices on her phone. Once I created the account, I added her new Google account to Google Home.

Once added, she went on the Google Home app on her phone and was prompted with the following:

"Nest and Google are not together. If you have a Nest account, migrate it to Google in order to use it with this device or feature"

When I click yes, it says:

"Are you certain? By continuing, you will not be able to migrate any Nest account to [Wife Google Account]. Devices from non-migrated Nest accounts will need to be reset if you want to use them with this device or feature"

This is where I chickened out. I'm not sure how to proceed here. She doesn't have her own Nest account. She does have Nest also installed on her phone and logged in to Nest using my Google Account.

What should I do here? Is it safe to click on "Continue" after the above prompts? My worry is that it will impact/delete devices already in my Google Home.

I have a mortgage up for renewal in 4 months. I am set on getting a variable rate mortgage instead of fixed. My current mortgage is with CIBC and is prime minus 1.2 which is quite good. However, in the last few years, I have noticed that CIBC has only been giving out prime minus 0.6 or 0.8 which is not nearly as competitive as they used to be.

So which financial institutions are giving out prime minus 1.2 or something near there? Hopefully this can still be found with the major banks. I do not want to go through brokers and prefer to deal directly with the FI.

I have one Xbox Profile and I am having sync issues, and so I want to remove my profile and re-enter my credentials. I understand that my games will not be deleted, but local saved data will. My question though is if removing my xbox profile remove my xbox settings?

Is it Questrade's intent to discontinue the Edge Desktop Platform once Questrade Pro (browser based) is fully developed?

Or is it Questrade's intent to keep the desktop platform but to update it to become the same as Questrade Pro?