u/l0uislitt

Help! I saw a similar post recently but hoping for insight.

Need to renew mortgage (120 days early renewal possible is Nov 1).
Advice has been to lock in now, as rates will surely go up. However - many external variant factors.

I'm being quoted loyalty rates of 3.51 for 5 year variable (locked payments), or 4.52 for 3 year fixed. (TD) What would you do? Are there any banks offering lower?

Preference though is not to do a new application, but we could if worthwhile. I'm leaning towards variable to keep payments lower and then if rates increase I just up my payment accordingly. Am I missing something here with this strategy? This is a hard swallow regardless bc my current rate is 1.3 variable (appreciating we are no longer in 2021).

Edit: TD has said we can convert to fixed without penalty at any time.

Looking at a 5 day cruise in April 2027. With (some of) the current promotions coming to an end on Aug 30, does anyone have insight as to when they are going to start extending the discount periods?

Seeking input on the purchase of a new expresso machine for our home. Current machine - DeLonghi Perfecta - ESAM 5500.B - purchased May 2018, has given us a good run with 2 repairs over the years but we are starting to fall apart. Budget ~$3k? Do I go with another DeLonghi? Anyone recommend Dinamica Plus? I can get this from Costco for $999 (CAD)- seems like a very good deal. We don't use milk attachment much - just looking for something reliable that will get used ~3-5 times a day between two of us. Or do I go more expensive? TIA!

Every year my industry has several conferences/events with lawyers, trades, financiers, etc., and there’s one big two-day conference in the fall. I usually use it as an excuse to buy a new dress.

I’m obsessed with this Self-Portrait dress, but I need someone to tell me whether I’m delusional and trying to convince myself that it’s “conference appropriate” when it is, in fact, just too short (I'm 5'6).

Could I get away with it for one of the conference dinners instead? Or is this realistically not going to work for any law-related event in my life?

It's more of a casual industry, but I still want to look polished/professional. I also really want something fashion-forward or a bit unique rather than another black/navy sheath dress or standard suit.

So: am I delusional about this dress? And if yes, any suggestions for designers/dresses/outfits that hit the professional-but-interesting sweet spot? (I'm in Ontario) - TIA

https://preview.redd.it/l0hzcyp4f5mh1.png?width=1094&format=png&auto=webp&s=89493a6e8cf576062fd54bddf3e1d34a0c907337

I'm in Toronto - when I go to IMAX it shows the closest theatre as NY? Anyone able to prebook in TO?

I double checked when they announced in 2024 - August 27th. Are we going to have to wait until the end of August? I know it's all speculation but I need something to look forward to!

https://preview.redd.it/cwhb5x6d8tdh1.png?width=1024&format=png&auto=webp&s=7b06a92122622cd8a2bcc2d9fd9801e7c68fa12e

Mac Sports Padded Club Camping Chair $79.99

VS

https://preview.redd.it/5o5hquvf8tdh1.png?width=1024&format=png&auto=webp&s=d652d0de4add7b67db7b44f70e16f745644d54a3

RIO XL Jumbo Padded Club Chair - $119.99

Does anyone have either of these? is the RIO really $40 better? Open to other suggestions as well, just tired of our very basic upright nylon chairs which cut off circulation in my legs, and these look comfortable! TIA!

Trying to plan our third cruise (ever). 4 + 6 year old girls. We've done a Wish 3 night, and a Treasure 7 night western. I keep seeing the Fantasy is the best ship - so strongly considering a 5 day Pixar Fantasy cruise next April.

Because I'm late to the game, all the 4A cabins that are left seem to be port side on deck 10 (i.e. 10098 - 10126), or on deck 7, similar rooms/side. There is also one room at very back of deck 10 (4E category).

Is the noise from deck 11 going to impact anything? Any tips on what room to go for? I have a placeholder we transferred to Costco, so I'll have to call them to see what the actual rate works out to be...TIA!!