u/gajen4

I have a 3 yr fixed mortgage on my condo with TD. It’s coming up for renewal in Dec 1. But I can renew as early as Aug 1 without penalty. TD is offering 3.6% 5 yr variable or 4.11% 3 yr fixed. These rates will be effective Aug 1 if I sign now.

They told me if I go with the variable I can switch to a fixed rate without penalty as long as the term of the fixed is 3 yrs or more. What are your thoughts and which should I go with considering world events?

I have a 3 yr fixed mortgage on my condo with TD. It’s coming up for renewal in Dec 1. But I can renew as early as Aug 1 without penalty. TD is offering 3.6% 5 yr variable or 4.11% 3 yr fixed. These rates will be effective Aug 1 if I sign now.

They told me if I go with the variable I can switch to a fixed rate without penalty as long as the term of the fixed is 3 yrs or more. What are your thoughts and which should I go with considering world events?

I used to work at a company couple months ago on contract. I was on their payroll, not a contractor. They paid me via direct deposit. I haven’t worked a shift with them for the past 3-4 months. All of a sudden 2 Fridays ago on their regular pay run, I got a direct deposit from them for $1k. This is too much money to be vacation pay and I didn’t work a shift with them. I ignore it thinking they’ll reach out with the mistake.

Couple days later, their finance coordinator sent me an email saying their pay system incorrectly sent me the $1k and they want me to ETRANSFER them the money.. seems sketchy to me because that $1k would’ve been after income taxes, cpp, ei and union dues. If I pay them back via etransfer, who is to say I won’t get a T4 for this $1k that I didn’t even earn but have to pay tax on at the end of the year?

I haven’t responded to their email and their money is still in my bank. They sent a 2nd email saying if I don’t etransfer by tomorrow, they will contact my bank to reverse the transaction. Can they do this? I would think they will need to contact THEIR bank to reverse the transaction.. not mine? And this is a 3rd party payroll system this company uses to pay employees. This is not in house payroll.

I have a 2010 Honda civic sedan automatic with 254k Kms. Religiously keep up with maintenance and oil change. Car drives no problems. I got the car 9 yrs ago and no major repairs. Just routine maintenance and wear and tear items. I love the car. What I don’t love is I haven’t had working AC the last 6 or 7 yrs I’ve owned it. Every summer I get the itch to sell and get a newer car.

Last week I dropped $500 to replace the condenser and recharge the system but the compressor looks to be seized and might need a new compressor. Should o drop another $500-700 to get working AC or keep driving and possibly trade in or sell in the winter?