u/itwasadayin2025

My 5 yr fixed term will end November 1st. It was only 2.45 but I only owe $100,000, so it won't make a huge difference in payments with what they are offering me.

The thing is, I THINK I will sell my house in 3 yrs, maybe 2 yrs, not sure, to get something smaller, I would like to get some money out of my house - it is my first house. I"ve been here 10 yrs.

Scotiabank is offering:

Variable 5 yr : 3.37

Fixed:
1 yr 4.31
2yr 3.71
3yr 3.80
4yr 3.94
5yr 4.01

If I renew now, I'll have a higher September and October payment because it says I have to accept it in the session. It isn't THAT much, so it's ok.

But I don't know what to do because, I'm not 100 percent sure that I'd be able to find a house to buy in 2 or 3 yrs and sell mine. It all depends on good market/bad market at the time.

If I accept 2yr, what will mortgages be in 2yrs? A LOT higher? Do I need to go for 3 yrs?
I doubt that I will move before 2 yrs. I could stay 3 if I have to though. Haha

Anyway, I wanted to post here to let people know what is being offered right now in August, but also, not sure what the best thing to do is.

It said something about 90 days that I'd be able to port my mortgage. Does it mean at the end of the fixed term? Or right now if I sign?

IT's hard to know the right thing to do because I am not rich. I am pretty low income and it was only by chance that I was able to even buy a house 10 yrs ago. I just don't want to be stuck in 2 yrs or 3 yrs and the next offer is double.

My mortgage is with Scotiabank The last 2 times when I renewed for 5 yr fixed they gave me offers 6 months in advance. This time they haven't.
When I go in the banking APP it tell me to click on the renewal options and then it redirects to a page that says to call our specialists.
I have never missed a payment, I don't have debt other than the low mortgage of $100,000 left, and I have a credit score of 830. So I don't think it is because I don't qualify.
What I am thinking is that my current 2.45 percent is so low and they don't have anything remotely close to that for renewal, so they are waiting for me to go to them?

I don't mind switching to a different lender, but I am wondering, what is going on? Has anyone else experienced the same where they are not offering anything 6 months before? Now it is 3 months before. I wonder what to do.

So I have been taking 10,000mcg for more than a year now. I find my hair grows faster and thicker since. But I know that your body only uses what it needs and then pees the rest of it out. So I was thinking... maybe 2500mcg is enough? Because my body is prob peeing away most of the 10,000.

Or is 10,000 really the mark needed?

40F, 5'4" ,125lbs. No meds, no drugs ever, no alcohol, no smoking.

I was hospitalized because I had a UTI that turned into a kidney infection, and then a blood infection, and then sepsis. My lactate was 6 (Canada measurement- should be under 2)

I was treated with IV fluids and IV Antibiotics (Ceftriaxone). On the 3rd day, I developed a cough. like as if I have asthma. A strong urge to cough and then a coughing fits day and night every few minutes, until I couldn't breathe. Dr gave me Ventolin. It worked for a short time. The cough lasted all the rest of the 8 days and I have been out for 4 days and still have this urge to cough (Like bronchospasm), but coughing much less.

While in the hospital, they did 2 chest X-rays, which were clear. The only thing that helped me for a bit was that I remembered the vending machines had Halls cough drops. It worked to help open my airways more than the Ventolin.

But I just wonder why I have these bronchspasms still and the urge to cough. It is just because of the sepsis that I had? Or an allergy to the antibiotic (I am allergic to penicillin)

I was in the hospital for 8 days due to a severe kidney infection and sepsis. While there, the doctor took me off my Spironolactone cold-turkey. He said that it is hard on my kidneys. He told me not to take it anymore.

My feet are a bit swollen and my legs and I'm just wondering how long it will take to adjust being off the Spiro?

I was actually taking it for my hair only. My hair got very thin a few years ago, and 2 years of 100mcg of Spironolactone once a day helped make it grow back.

53 yr old female.

125 lbs

Caucasian

Canada

Never smoke, never drink, never do drugs.

Just got out of the hospital after 8 days of treatment for AKI,severe kidney infection and dehydration, and sepsis.

My feet and ankles are swollen now. I'm worried because I was on Spironolactone and Coversyl (for high blood pressure). In the hospital they didn't give me those at all and my BP is normal. (I lost weight, that's why). The hospital doctor took me off both cold turkey. He said they are really hard on my kidneys.
Am I getting rebound edema because it was stopped suddenly? What should I do?

On the last day, the doctor talked to me and told me that he was going to start the discharge papers.

The nurse came in and gave me my discharge papers (noting why I was admitted and some of my blood tests).

But when I go online and look at my health records, it lists me as "AWOL".

I didn't go AWOL. I was told I was being discharged.

Was I supposed to get a stamp on my hand or something? Ha. So weird.

I'm just wondering, should I call the hospital and set the record straight so that it doesn't affect me the next time I may be hospitalized again?

I was in the hospital for 8 days for a kidney infection and sepsis. I had about 5 days of fluids (Ringer's solution, alternating with saline) and 7 days of IV ceftriaxone 2mg.

I had high blood pressure, but lost weight and now didn't need any BP pills (according to the hospital doctor). I was on Coversyl 4mg,and Spironolactone 100mcg. Dr took me off it completely, cold turkey during my 8 day hospital admission and my BP still stayed good. He said that both drugs are too hard on my kidneys. So he told me not to take them anymore.

So I'm worried that I have rebound edema.... or could it just be because of the hospital stay?

Age 53

Sex Female

Height 5'2"

Weight 125

Race Caucasian

Duration of complaint 2 days

Location Ontario, Canada

Any existing relevant medical issues - just got out of the hospital after treatment for AKI,Kidney infection, sepsis,

Current medications: Nothing

I’m typing from my hospital bed right now now 😷🤕🤧 When I went in to the ER, I thought I was going to be able to file my taxes but I was so sick, too sick to even text my family much about my admission, that I missed the deadline and have to wait until I’m released because I’m so weak and don’t want to make a mistake.

I will prob owe $2000 for 2025 tax year.

Will I be able to get forgiveness of the penalty?

I bought my first house 9 years ago and have a 25 yr mortgage. Now it is at 16 years left. It is under $100,000 and my house is worth a lot more.
My 5 yr fixed is ending at the end of the year and when I renew for 5 yrs again, I wanted to take $40,000 extra - add it to my mortgage.

The financial advisor at my bank said then my mortgage amortization will go back to 25 years instead of the 16 years.

My mortgage will go up only $125/mo if I take the $40,000.

I also plan on selling my house and buying a new one (cheaper one) in a year or 2, so will the amortization going back to 25 yrs really matter, because my mortgage will be paid off when I sell?

Also, the bank says they will charge $700 to register the refinance and also $300 to appraise my house. Is that high? or normal?

Is that a really bad idea? I really really really need the money.