u/deadsea335

Hello,

Long shot and I hope I am not breaking any rules but this is as close to an Ottawa area boat forum I have found thus far.

I am looking for an on water tow service to tow my boat from a dock in Hull Marina (got towed by a boater in there and parked temporarily after hitting something in the water) to Leblanc Marina who can do repairs on my boat.

Its a 23 ft boat that has blown lower drive unit and engine that has hydrolocked.

I am searching for anyone (paid service or an individual) who can help tow my boat or refer me to someone.

TIA.

TD vs Scotiabank: How do I get TD to compete before I move everything?

I've been offered a pretty compelling package by Scotiabank to move all of my banking and investment business over:

• Prime-rate HELOC
• No-fee Visa Infinite Privilege card
• $6,000 for transferring my personal investment accounts, plus 20 free trades per year
• $6,000 for transferring my corporate investment accounts, plus 20 free trades per year

For context:

Personal assets: ~$2.5M

• $10K-$15K in chequing
• Remainder in RRSP, TFSA, and non-registered brokerage accounts

Corporate assets: ~$3.5M

• ~$250K operating float
• Remainder in a corporate investment account

I also currently have:

• A HELOC on my cottage at Prime + 2.5% (opened when we bought the cottage, which is now mortgage-free and worth roughly $600K-$700K)
• A $100K unsecured LOC at Prime + 4%

The truth is that I don't really want to leave TD. I've used TD Direct Investing for more than a decade, I have a branch close to home (including a safety deposit box), and I actually prefer the Aeroplan Visa Infinite Privilege card.

What I'd like from TD is fairly simple:

1. Waive the annual fee on the Visa Infinite Privilege card.
2. Reduce my existing cottage HELOC rate to Prime.
3. Add a second HELOC on my primary residence (mortgage-free, worth approximately $1M-$1.25M) at Prime.

Today I went into my local branch and spoke with an assistant manager. The conversation was disappointing. He essentially told me there was nothing he could do, explained how investment transfers would work if I left, and mentioned I'd have to pay fees to discharge the existing HELOC on the cottage. I was also told it would cost roughly $1,500-$2,000 to establish a HELOC on my primary residence.

Given the size of the relationship, I was surprised there didn't seem to be any interest in retaining my business. It felt like I was dismissed fairly quickly.

Has anyone been in a similar situation and successfully negotiated with TD? Are there specific departments, relationship managers, wealth management contacts, or retention channels I should be speaking with rather than a retail branch employee?

I'd particularly appreciate input from current or former TD employees.

TIA.

TL;DR: Scotiabank is offering me a prime-rate HELOC, a no-fee Visa Infinite Privilege card, and $12K total to transfer ~$6M in personal and corporate investments. I'd prefer to stay with TD, but I want them to waive my Visa IP fee, reduce my existing HELOC from Prime + 2.5% to Prime, and add a new HELOC on my mortgage-free primary residence at Prime. My local branch essentially told me there was nothing they could do. Who at TD should I be talking to, and has anyone successfully negotiated similar terms to keep their business with TD?

Hi All,

​

Today I messed up and drove off my driveway with my drive (alpha 1 gen 2) all the way down. I only noticed it when the skeg got stuck in between my interlock bricks of the driveway after dragging against bricks for about 25 ft. Skeg is scrapped off pretty badly but looks like when I have run it in sandbar with no metal pieces missing from the skeg.

​

After much back and forth, i managed to get the drive free but only after going back and forth several times on the bricks with some force.

​

Once i was out I raised the drive up and then parked it and tested the engine and drive on the hose and everything seemed to run fine except there was a grinding noise when going from reverse to neutral.

​

Finally, made it to the ramp and ran the boat and while checking the shift mechanism in the lake water I noticed burning rubber smell in the engine bay and I immediately turned the engine off and pulled it out. Drive was still making the clanking/rattling noise when going from reverse to neutral.

​

Does anyone have any ideas what should be my troubleshooting steps? I am totally lost as to what damage i could have caused.

​

Motor is a 2001 5.7 Carb'd with SEI16 (alpha 1 gen 2). So far I checked engine oil and there is no milk shake in there and drive oil is same blueish color.

​

TIA.

Hello:

Posting this on behalf of my mother in law who is planning (still unsure) to work for Health Canada for 5-10 years. She is a physician, who has worked there about 25 years ago for 4 years as a researcher at a much lower pay.

Does anyone know if her previous service will count towards vacation day accrual?

Also, even though she had "cashed" out her pension when she left her position in the past, can she contribute to it (I believe "buy back" is the proper term but unsure!) so those years can count towards her pension again? I understand that salary differences of what she earned in 1990s as a researcher vs a physician in 2026 are vast, so the buy back number might not be palatable.

Thanks.