u/YGodYUDoDis

Employee plan as I am employeed with one of the partner companies. My plan was $35+ tax which included US/Canada calling and 100 GB data/month. Last month, Rogers increased my plan rate by $5 on their own specifying "Wireless Plan Rate Adjustment". I tried raising a complaint but to no use. I barely use 10GB/month - is there a lower plan that I can shift to? I am now paying $40+ tax = $45

Yet to join but I recently received my offer and account (employee workday).

One day after getting the workday account, I got a reject email (proceeded with other candidates) for a role similar to the one I am hired for but the title differs a bit. The email has a HR name.

I dont recall applying for such a role. I logged into my workday account (which I applied from) and could not find an application with that role/title. Maybe I applied via Linked? I dont remember doing so.

What could this be? I still have access to the employee account. Fingers crossed.

[30m] Portfolio ~ 750k CAD. I am very risk averse as my capital has been accumulated by once in a life type event, and I have worked real hard for it. My max projected savings for this and the next few years is only 30-40k CAD/year. Hence, I want to preserve and grow this portfolio. My biggest red flag is I don't take enough risk in the market and I am scared of USD depreciation (which I feel is incoming in the next year or so). I know that I should invest in assets that grow over time and beat inflation but deciding between those and diversifying is something I am still learning. I am open to wealth management firms but I don't want a young lad earning 60k suggesting me to put my eggs in a fund that pays him a markup. I want real wealth management advice. Where can I find such advisors? If not, how do you invest in assets and grow/preserve your portfolio.

I am willing to invest/risk up to 250k CAD (in a business/market) but would want to preserve the remaining 500k CAD (in assets like land/gold?). My current portfolio looks like this. Note that I am an Immigrant with a permanent residence working my way to citizenship (eta 3 years).

HISA - 263K USD @ 3.15%

SGOV - 125k USD @ 4%

Stocks - 92k USD (40k AMZN, 40k VOO, 10k GOOG, 0.3k GLDM, 0.7K ORCL)

Non Registered - 70k CAD @ 2%

FHSA - 16k (XEQT, some Silver, HHIS)

TFSA - 14k (XEQT, HHIS)

I am in Toronto so I cant afford any land unless I take a mortgage/go to suburbs (but then I will need to travel 5x/week). Can you guys suggest ways to invest and diversify here? Which assets to invest in?

I had a 1 year lease which converted to a month on month lease. The lease had a 2 month notice period clause. I think that 2 months notice still applies when it's month on month now?

My building is rent controlled so the rent was only increased 2.1% and now it's $2000 + utilities ($100-$120). However, I was laid off and hoping to join in a new role where my salary is $50k/year less than my old salary. With the 25% rule it should be ideally $1600-$1800.

My work location is union station and the condos there still seem to be out of this range unless I get a room mate. I also have real sensitive skin so a in-unit non-shared washer dryer is ideal (Yonge and Eglinton units lack this).

1. How do I make this move? Do I give a notice without securing an apartment? Most apartments/cons are coming up on the market only like 20 days before.
2. Where can I find a condo in this range with an in unit washer dryer - hopefully on a ttc station or in downtown?

How does one know if the background search/cleared was approved? I got the username/password/employee id email - does that mean it was cleared or would I get any mail from RBC/HR specifying that the background search was cleared? What's next - do I just show up on the start date? There would be no communication from HR? I only got the mail to create a staff account - did not get any tax form mail.

I recently crossed the 100,000 mark for my portfolio at Wealthsimple and became a premium member. However, I have been unemployed since March.

The credit card application is making me declare my employment status - could applying and lying here affect with my EI benefits?

Also, how do they decide which card they will give me?

I made about 158,000 this year (stock vest + severance, hence, this large a number). Tag says Infinite card but I would like the Infinite Privilege one.

Last employment ROE specifies "Termination without cause" with code M. I have been transparent in the interviews but background search is insistent (by using terms like "try to get" repetitively) on wanting my ROE.

I don't know why but I took the TD Aeroplan Visa Platinum card as part of the TD newcomer offer (did not do background research and spontaneously took this one - I regretted the decision the first day). Anyways, it's renewal date is here and they would start charging me $89 for this useless card. I am thinking of downgrading it to the TD Cash back card so that my credit history is not affect - this being my first card. I have 21.8k points in my Aeroplan account which is linked to this card.

I don't think my points would get waste if I remove/downgrade this card - but still checking here if something could mess up? Should I first claim/redeem the points before downgrading the card?

I haven't found the Aeropoints to be useful - I usually fly YYZ (home) to DEL (New Delhi - 1 per year), NRT/HND (Japan - 1 per 2 years), or YUL/YQB (Montreal/Quebec city - 1 per year). I also have $250 in via rail as they mess up my journey every time and refund me money. For DEL, these points are meaningless and very less to be used; same for Japan; for YUL - I see Air Canada giving me 1.5c per point ($175 flight is 8k points + $55).

Should I hold to these points for flight or just redeem them for a giftcard 21k points =$150 visa/mastercard/amazon/bestbuy etc?

I am thinking of visiting Brampton from Toronto by taking the GO Weekend $10 pass.

Would love to receive some recommendations on things to do, popular places to visit, and restaurants to get good Indian food? Any Temples/Gurdwara's I can visit and get my first experience of langar?

I don't drive so please only recommend me places which are accessible using public transportation.

I have heard a lot of good and bad things about this town. The good being the food, affordable houses, clean city. I bad being lack of diversity, high insurance rates, road rage, and crime. I would love to see both side of the town as I want to judge if I would want to buy a house here (given the affordable housing compared to Toronto). Can anyone help me with recommendations of such areas? One of my Indian friend recommended me "sabji mandi" - not sure if he was being sarcastic or not.