u/Secret_Exercise6199

I live in toronto in a single home detached property. 55 ×110. I've had transactions in both of the recent psychotic markets. Million dollar price tags, we don't even bat an eyelid. If we can be approved for it, we can buy it. I hate to say it, but we know people that couldn't be approved and they still got approved. In my neighborhood, the average house price is 2.5M, and after seeing the houses being built, from start to end, you can see the mistakes. We've started to get very frustrated with our current home. Renovations would cost about a million. We were also victims of a home invasion but we try to not let that muddy our thoughts about our neighborhood.

Just for fun, I started looking outside of Toronto for real estate. Feeling stupid. I looked at King city, which looks beautiful, and the type of home, you can get there for 1M has more land and better quality build. For 2.5M you're getting acres of land and a vast estate. It seems much safer as well. The price discrepancy compared to toronto, is shocking.

I feel stupid for buying in Toronto. I feel stupid for letting these prices normalize our thoughts about affordability. I feel stupid for thinking Toronto is safe city.

Now I am seriously considering selling and moving.

2 weeks ago was measuring 5.5, should be 7.5 today

No pole seen. No heartbeat. Just a sac with something measuring 6.5. I asked my dr to order hcg bloodwork.

Already have 1 amazing child, so trying to focus on that. I didn't realize Id be so emotional and in my feelings right now.

I had a missed miscarriage few years ago, I dont wish that d&c procedure on anyone, mostly the post procedure. But anyways...here we are.

Enjoy your pregnancies and I truly wish you all the best.

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I already feel filthy, so I'm just hoping folks with advice can provide it without being too judgmental.

We started our recent mortgage five years ago. We had sold a property and used proceeds to pay down any debt and down pay our new property.

As far as I can go back my partner has had issues with debt. He also had issues telling me about debt. But in any event, he seemed to always be able to pay it down. It's an ongoing struggle. I am aiming him towards counseling of different types. We do not share unsecured debt, we have separate cards.

1. I called the bank to get some information about opening our HELOC, surprised they said that it was not possible because of the status of some of his accounts.

2. I called the bank to see if there were any better r available. They said that he had paid their mortgage late a few times (within 4 days or less from due date but it still looks bad) so they weren't able to offer a good r until there were more consecutive months of on time payment.

3. renewal is coming up and I'm dreading the bank telling us that we will not be able to renew. we are already on the radar.

4. I reached out to a broker who we have used in the past. He advised the grim news that my partners credit score is so low, mine is good, but he is suggesting a B lender for 1 year. He mentioned the b lender will roll debts into the mortgage & charge a 1 fee.

5. I asked the broker, what would happen if we just auto renewed with our current bank. He said sure you can do that but it won't solve the other issues.

Edit to add: 6. My partner says there was extraordinary pressures the last 12 months as I wasnt working but I dont agree, 12 months is not 75k. A lot was mismanaging expense accounting where theres a lag between expenses & reimbursement & he couldnt manage cash flow.

I've always been banking with A lenders. This B lender talk is embarrassing. Our HHI is $300k, again embarassing.

Current mort: 900k

Value: 1.3M

Debt: 75k

Current: 5.3p

*Can someone talk to me about their experience with b lenders and if they're actually able to climb out back to A lender after one year.*

*Or do I auto renew with my current bank & find other creative ways to pay down the debt, like a consolidation?*

My kids birthday is coming up.

I am also newly pregnant, as a couple: our mortgage renewal is coming up, we care take for our parents when we can, and are both the "lead' siblings for our respective families, we are on a cash budget too, as we want to reduce our credit card debt to zero, my partner travels for work constantly every other week.

Simply put - we are tired.

1st birthday was really good, and really expensive. I would say around $4k and that is around the norm in my city if you want it done, to how we would want it done - venue, cater, activities, live action stations.

I do not see the same value right now, or dont have the energy to organize this.

I also do not want to let my kid down. I feel so much guilt. I also cannot deal with folks that are no shows either and the adult dramas, bringing siblings, even to dress up. I hope I am not exhibiting signs of depression but I just cannot do this right now. I was thinking instead, to take my kid to the zoo, with a balloon, cupcake

I wont get into the social media comparison and pressures...trying to ignore that too.

[Edit: I wanted to add- It's not about the child remembering. Every now and then my partner and I look back in albums about how our parents celebrated us. This is important into our journey of identity, family dynamics, and role in our family. We have birthdays for our child to celebrate our family journey as well and getting through the year. On top of that, we host very often.a lot of the expenses come down to guest experience as we want our guests to feel good. This seems to be a cultural norm, not always normal in the U.S. The finance piece is being discussed a lot but I would say it's the least important part. The primary concern is mental health and physical health while balancing a fun event for our child. While the child might not remember it, he had a phenomenal time at his first birthday and lots of photo memories with all of his family and friends. It was definitely worth it for us.]

We have a property on which we're planning a build in toronto. Recently there's been a lot of municipal work around and locates have been marked. For example, the waterline and the gas line.

Based on the flags and spray paint, there is a gas line running beside one side of the house within probably 6 inches, another is running a few feet parallel to that.

The new build will extend the existing home by at least 7 feet around each perimeter.

I'm now wondering how this can even be viable if there are gas lines so close to the house. Also a lot of questions about the safety of gas lines being this close and the fact there are 70 year old trees roots around the lines as well.

My car needs repair and there is an open claim as the repair is a result of a theft.

I've always taken my car to a specific place because they do great work and it was under a warranty.

I contacted them and advised them of this situation and said I'd like them to repair my car.

They said that they do not deal with insurance billings any longer because they have been burnt and had bad experiences with the insurance customer service, and it simply was not worth it. I called their sister company, which is larger. And they said the same, and they actually mentioned something interesting that the insurance company has an hourly labor charge, which is lower than what their shop bills, so it has been chaotic, so they stopped dealing with insurance companies.

What should I do in this situation? The adjuster made a comment that I could provide a cash settlement and have the work done on my own but then he rescinded that offer citing that because it's a theft that can't be done.

Took my car to the dealership for a full inspection as my car was stolen and then recovered. I have a small child, so I need to make sure the car's completely safe.

I spoke to the service department at length several times before I brought my car in. At the time they made it seem like they understood that I was looking for a diagnostic and mechanical report and a repair quote.

They billed me for an inspection (almost $1000 CAD) and are refusing to provide me any other documents. Their final response is all fixes will be about $3000. I'm completely puzzled by this. There are laws and legislation in my province (Ontario) . I've been a mercedes owner for the better part of a decade. This was the worst experience, and I'm wondering if anyone else has any similar experiences. I held this brand in high regard for so long. Not sure where to go next. It already feels like a headache dealing with these folks

Ever been part of a reorganization, that has negatively impacted your career? What happened?

This is just one of the multiple mishaps that has occurred since dealing with TD insurance. We have been with them for all insurance and financial products for 20 years. Car was stolen and recovered. TD Insurance adjuster saw the car and wrote up a quote for exterior damage and wrote at the top of report and said verbally, "you need to take this to the dealership to get a mechanical report." Verbally, the claims advisor said this would be covered. If there was no claim occurring, there would be no reason for me to take it to the dealership for any type of report.

There's been massive miscommunication between the advisor they speak in a way which makes it hard to understand what they're talking about and they don't speak in a coherent manner, often forgetting things and advising us to do things that are incorrect.

claims advisor now said they not pay for the mechanical report. It took 2 hours at $200 per hour.

Does anyone have experience with this type of situation?where can I go from here? I've been writing the same email about seven times and not getting a clear response.

Houses in our desired neighborhood of Lansing and Willowdale are not moving. 40+ days on the market. These are larger homes with outdated interiors. Whats the theory? Will prices start to decline? Most are listed at 2M.

Firstly, I have no idea how they decaffeinate tea.

Secondly, I don't know if my obsession is with how tea tastes with caffeine. Do the tannins impact, caffeine, or vice versa?

Anyways, my doctor said that I need to go twelve months without caffeine. I drank at least two cups of ceylon tea a day. So this is going to be hard!

If anyone has suggestions on the best non caffinated black tea, please let me know.

Traditionally, dishwashers have been low to the ground. My assumption is that this is so it has easy access to the water source as well as precautions for any leakage.

I stayed with a friend who had a small countertop dishwasher, and it was a dream how easy it was to load and unload and put things away.

Has anyone here installed a higher elevated dishwasher. Do you have any feedback to share?

To anyone who probably knows more than me about placement does it really have to be so low to the ground?

4 years with BNS step mortg. Never touched the STEP portion. 100,000 is available online dashboard and bank confirmed. I called to activate it, just was looking for 15,000. Call centre said go to branch. Branch emailed indicating no problem, no credit check, just a form. A week later I asked for the documents to start process and bank said cannot extend to us at this time. Found out my husband has one credit card delinquent. Was going to yse the step loc to consolidate that for lower intrst. Bns said no. Why was I set up into a collateral mrtg if I cannot access equity, not even all definition of equity, rather just a small portion. I understand criteria maybe but it wasnt sold to us like this. Our income is 300,000 annually before tax. eta: property value 1.4, mort 930,000.

I observe an influx of new Indian restaurants, pop ups, supper clubs in the last 12 months and all over social media. I am observing mostly south indian cuisine. Can someone help sift through and suggest which ones are worth it? The supper clubs have been somewhat of a letdown.

I can only hypotheize that due to influx of South Asian immigrations. Not mad at it. I admire their entrepreneurial spirit given the tight margins.

I've had a jnm for over a decade. After having a child, based on her behavior I went no contact from months 2-13 (child is 20 months now). Her behavior was brutal, derogatory, abusive. It didn't help that my husband had a crisis trying to stand up for me. I was even considering leaving.

Anyway, slowly I had to come to some sort of compromise. recently, we started seeing her every other week in a public place.

Before I go further, I will say right now, I am very protective of my child around her. I don't feel comfortable with her being alone with my child whatsoever.

However, I've made strides recently to just pretend to be more engaged. My child is too young to understand anything and doesn't speak yet but but cries when she reaches for him.

Recently, she saw us, I was holding my child and she just acknowledged my child only. It was bizarre. Then, she asked my child what my child did for father's day. My child is 20 months and would not understand how to answer that. So she is clearly speaking to my child and expecting an answer from me. I didn't say anything.

About 15 minutes later, she acknowledged me. And I told her that she should have acknowledged me first before my child.

My husband cringed. I figured if I don't say it, no one else is going to say it for me and set the tone for what my minimum standard for respect is.

Also note that culturally, she finds it fine to speak to me with rude remarks or even subliminally rude remarks,so I'm just returning the favor.

I guess i'm just venting but has this happened to anyone else? My parents gush over my child but always acknowledge both my spouse and me and ask how we are.

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Tried twice to ask on Air Canada subreddit but it was deleted by them.

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I was scheduled to fly AC 740 on May 27 sfo to yyz. It was cancelled for mechanical issues. I booked with my aeroplan card which is why we each had a free checked luggage (2 total).

Took AC 5 hours via phone and messenger to put us on another (connecting) flight. The customer reps were atrocious and rude. Never experienced this before. They put us on a delta flight and at checkin we had to pay 45USD each total 90USD.

Since then, AC said even though we arrived over 3 hours late, they arent compensating because it was a safety issue.

1. can I challenge that?

2. how can I get the bag fee refunded?

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It may not matter but other of the same flight route have had mechanical issues...?

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Theres a third issue. I was travelling with a minor and we used aeroplan points for them, cash for our tickets. We experienced the cash tickets had better solutions for rebooking, the aeroplan did not give us same options, they tried to separate us - we had to book separately because AC said you cannot book 3 people with some points, some cash. Its one method.

Heres what Ive tried: Dilmah, Akbar, Ahmad, Yorkshire. I like a deep rich Ceylon tea. I add 2 milk and 2 sugar. I like certain bold vertical offerings within these brands.

More fancy like Dammann Frères and Mariage Frères are okay. I like their ceylon offerings. Very expensive considering I drink 2x a day.

What else can you suggest?

What are the the consequences of switching lenders if your mortgage has an "in use" heloc attached to it?

Currently w BNS step mrtg, high fixed interest 950k balance, 5perc. Renewable in *nov 2026* I would love to switch lenders for better.

Never used the heloc portion but need to use it this month for a family emergency.

I dont want to use the heloc if it means it messes with switching lenders.

I stayed at the Hyatt Regency San Francisco and, overall, the stay itself was fine. What has left me extremely disappointed is what happened at checkout and afterward.

We had two rooms, three nights. Total was around 800 usd per room for the three nights. We had a hundred dollar dining credit, twenty five dollar credit to their marketplace and free breakfast.

At checkout, I was handed a folio and repeatedly asked whether it was final. I was assured multiple times that it was. However, after returning home, I discovered that my credit card had been charged an additional amount ($200) with no updated folio or explanation provided.

When I called to inquire, I was told the charge was for four additional breakfasts. This was surprising because, while I was at the hotel, staff had specifically told me not to worry and that the additional person in my party was covered. Based on that representation, I had no reason to expect further charges.

What was even more upsetting was the way I was treated during the phone call. Rather than receiving a clear explanation, I was berated and spoken to in an unprofessional manner. The attitude was simply out of this world.

I am genuinely speechless. I booked this stay through a Privé booking and expected a higher standard of customer service and accountability. Instead, I was charged after being told my folio was final, given no documentation explaining the charge, and then treated poorly when I sought clarification. Frankly, I am shocked that there appears to be no meaningful recourse for a situation like this.

To add a side note that I understand there are different demographics in north america, but most at the restaurant were not fluent in english and that resulted in very poor service. The rooms were decent with a good view.