u/taxrage

Looking forward to this.

Wondering if we should give it a go when our listing expires.

A generation ago commissions were 6%, but home prices were a much lower multiple of HH incomes.

Today, with home prices a much higher multiple of HHI, even 4% results in a much higher bite out of HH incomes.

What's the solution, fixed-fee commissions?

Our son is considering buying/leasing a CX-5 GS AWD in Canada.

Car Cost Canada shows the dealer/retail prices as $37,071/$39,200. How much can he reasonably expect to pay for this vehicle?

My
Mom is frantic because she went to withdraw some money from her investment account at tangerine and she noticed 106k missing they also changed her phone number to receive notifications to some random phone number that’s how she knew something was off. It looks like they created some other account unknown to her and transferred out all her money. Tangerine claims they are investigating and would return her money but it’s been 2 weeks and she can’t seem to get hold of anyone. She suspects it must be internal because no one else has her info or password for that bank and she stated she even recently changed it. Who can she go to this bank is so weird that there’s no head office or no one you can actually speak to.

Around us (Ottawa) it seems a lot of homes were selling just before the rebate announcement and now things seemed to slowing quite a bit. Are people mostly looking at new builds because the the rebate?

Hi everyone,

2 days ago, Credit Karma flagged me with a bunch of alerts asking if I had opened a line of credit and credit card with BMO, and if I had requested inquiries for similar accounts with RBC and CIBC.

I followed their advice and contacted Equifax and Transunion and have filed a dispute with transunion, as well as putting out alerts on any future inquiries.

Is there anything else that should be done? I walked over to my local BMO asking if they had any new accounts for me, and they said they did not have any open accounts when I showed them my ID - but my credit reports indicate the 10,000 BMO line of credit is a bit over balance already.

I don't want to get screwed for not addressing anything soon enough. Is there anyone else who should be contacted? My credit score dropped from 873 to 832 from all this, which is probably the least of it. Someone seems to have my info and is taking out credit anywhere and everywhere. There is an address in Brampton, ON that was added to my credit reports - maybe it is them, maybe it is the address of some other sap who isn't the culprit. Is there a specific authority I contact with this information?

Any advice means a lot to me.

EDIT - thanks to everyone who chimed in. I went back to BMO with my credit union reports and they found the line of credit - the phone number, address, and email were not mine. Not entirely sure why they didn't see it the first time, might have been the fact that only one of my middle names appears on my credit file? Filing with the police, then going back to the banks with the police report (BMO said an active report would help move things along). With the all the info that that showed up on the credit report, I'm hoping they might catch the POS.

Hi all… long time lurker first time poster,

We’ve recently discovered someone has “stolen” my elderly mother’s identity and called into her one of her Mastercards and had themselves sent a new card under a fake name. Initially she thought this was only from dec 2025, until I pulled a csv file of all her statements and found out this stems back to 2024, totalling just over $35k in total.

I’ve done my digging and have found most people saying once the police report is filed and bureaus are notified, the CC removes the fraudulent transactions which is fine. A new issue is at one point her credit limit was $25,000 and was constantly being maxed by what she thought was her poor spending habits, turns out it was the fraudster. At that time she was working full time and paying lump sums of 5-10k off on the card only to have the balance maxed out again a few months later.

She then decided to move money out of her rrsp to pay out the 25k in full, and reduced her credit limit to 15k to help with her “bad habits”… turns out the bad habit was her not checking her bills. Last night she asked me to help understand why her card was maxed again at $15k when I noticed the transactions were under a fake name and a card number that is not hers.

We phoned the CC and they said “my mother” back in 2024 called in, added “a family member” on the card, and changed her address. That card number they added is the one with all the fraudulent transactions. This was not her. The fraudster then changed the address on file multiple times and made monthly $25 payments. I’m assuming to not raise any red flags.

Question is- how likely is that initial $25k from 2024-2025 is going to be reimbursed? My gut says it’s not going to be.

We’ve already had the talks about financial responsibility when it comes to online banking and also she is now willing to let me review her monthly statements to make sure everything checks out. I’ve set up notifications on her phone where possible. I honestly feel partially responsible for being the most “tech-savvy” child and letting this go for so long…..