u/ML6467

I try to be fairly frugal overall, but when it comes to groceries I’m willing to spend a bit more on higher-quality foods and ingredients.

I always assumed Farm Boy was a good spot for healthier options. Their produce is usually excellent, but beyond that, I find a lot of their selection is similar to what you’d find at other major grocery stores, including plenty of highly processed foods.

I really like shopping at Nature’s Emporium and often stop in for a few items when I'm in a bind, but I’m not sure doing all of my grocery shopping there would be realistic from a cost perspective.

For those who shop at Farm Boy, how do you think it compares to places like Fortinos or Longo’s in terms of quality and value? And for anyone who does most or all of their shopping at Nature’s Emporium, how much more do you find you’re spending each week compared to a traditional grocery store?

Hi all,

I applied for a TD U.S. Dollar Visa last Thursday and was approved immediately. I'm in the GTA and was hoping to have the card before I leave for the U.S. on Monday evening, but it wasn't in today's mail. I should have one more mail delivery on Monday before I head out.

In the meantime, I was able to add the card to my iPhone's Apple Wallet, even though I haven't received or activated the physical card yet. I wasn't able to add it to my Apple Watch because it requires the CVV from the back of the card.

Has anyone successfully used a newly approved TD credit card through Apple Pay before the physical card arrived? If so, did it work normally for purchases in the U.S. (restaurants, grocery stores, etc.)?

Thanks!

Hello,

My wife and I are both using TELUS. I am on an EPP plan, and she has a winback plan. If we merge our accounts, does TELUS provide an additional monthly discount? If yes, do I have to call in or would this be automatic?

Hi all,

My wife and I currently each have our own TD Aeroplan Visa Infinite card and separate Aeroplan numbers. We also participate in Aeroplan Family Sharing and pool our points.

We're considering cancelling her Aeroplan card and adding her as an additional cardholder on my existing card instead.

A couple of questions:

1. What happens to the Aeroplan points we've already accumulated through Family Sharing? Do those points remain available to us, or could any of her points be affected when her card is cancelled?
2. Will she keep her own Aeroplan number and account, or will future points simply be earned under my Aeroplan account as the primary cardholder?

Has anyone made a similar change and can share their experience?

Thanks!

Can someone explain this to me like I'm 5?

My wife and I recently got married and are in the process of combining our finances. Her total cash will be moved into our joint checking account, and I will use some to finish maxing out my TFSA. We'll likely put the remaining funds into a non-registered GIC so it's not sitting around doing nothing.

What I'm struggling to understand is how the interest income from the GIC should be reported to the CRA. I keep reading that interest from a joint investment should be reported based on each person's contribution, but once the money is pooled together it starts to feel like a grey area.

For example, if the GIC only exists because my wife contributed additional cash to our joint finances, does she report 100% of the interest? Technically I wouldn't have opened it if we didn't influx more cash into the account.

Side question: when combining finances, is it generally better for a spouse to maintain their own credit card separately, or does becoming an authorized user on mine have any downside? Technically her pay and any transfers to pay the card happen from our joint checking. We already own a home and have no debt outside of our mortgage, but the bank did say this could affect credit building for her.

Hi all,

I have a couple of corrosion spots on my vehicle that I'd like to get fixed this summer. I realize this involves removing, sanding and repainting the full panels. Does anyone have any recommendations for fairly priced/good work body shops in Vaughan that can take care of this? I was recently quoted $1300 for the work by one place, but I am not sure if that is a good price or not.

Thank you

https://preview.redd.it/bmpxt83b5w3h1.jpg?width=6048&format=pjpg&auto=webp&s=0c8174a370101963c1beb55311c08855a6ac8c39

https://preview.redd.it/yidck73b5w3h1.jpg?width=6048&format=pjpg&auto=webp&s=98bb2b1b46c3f51253bee30086a2d39b38fdbf58

Trying to decide between Maui (South Maui/Kihei area) and Tenerife (likely Costa Adeje / Playa del Duque) for the first week of February for my wife and I.

Flights from Canada are roughly the same cost. Though Tenerife is direct from where I am. Accommodations seem slightly cheaper in Tenerife.

Main things we care about:

• Dry/warm/hot weather / good chance to sit by the pool and tan (maybe beach too)
• Nice beaches
• Good shopping
• Good restaurants
• Safe / comfortable feel
• Not somewhere super packed with loud obnoxious tourists, sports bars, or cheap party-strip vibes

For anyone familiar with both, which would you choose?