u/Secret_Exercise6199

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.

What would you pack for a picnic for 4. What are some nice scenarios where we can include some of toronto's greatest hits.

a good baguette, some nice cheeses and preserve and deli meat. Does something like this come preassembled.

Best parks for picnic enjoyment?

Does anyone have experience applying for a workplace accommodation that falls into more than one of the human rights categories?

A Chubby Traveller protects themselves, right?

-We're doing an intergenerational trip with my elderly parents to SF (day trip to napa, and San Jose).

I need to purchase them medical travel insurance.

Any experiences identifying a good provider? Hopefully you didn't have to use it...

Double question so that I don't double post:

- we're going to visit a family member in san francisco and that family member says that downtown is sketchy.

Can someone provide some options? Because the further out we go all i'm seeing is motels and bnbs. Which could be cute, but we're traveling with an infant and elderly, need elevators.

I am going to put in a medical accommodation based on my doctors assessment. I have a physical chronic condition. I put it aside for years and now its worse. I really don't have energy for is the process of applying, as my health declines. Can anyone share timelines of how applying for medical accommodation to work from home went for them? Thank you.

What does your wall assembly look like?

What's overkill?

What's valuable?

What's outdated?

Looking for any input.

Who specified it - architect or structural engineer, or did you have to push for something yourself?

Building in Southern Ontario but interested in any information.