Go Back  British Expats > Living & Moving Abroad > Canada > The Maple Leaf
Reload this Page >

Random stuff - the anything else thread

Random stuff - the anything else thread

Old Aug 5th 2021, 4:04 pm
  #9121  
Tea Drinker
 
Danny B's Avatar
 
Joined: Nov 2006
Location: Kamloops, BC
Posts: 5,387
Danny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Credit cards are great if you pay them off on time. I use my Capital One MasterCard that also doubles as my Costco membership for everything as I get cash back for each purchase.

I just checked my statement and it’s up to $280 cash back so far, the cheques normally get sent out in February right around when my car insurance is due. I cash the cheque and give it straight to ICBC
Danny B is offline  
Old Aug 5th 2021, 4:44 pm
  #9122  
Account Closed
 
Joined: Jan 2006
Posts: 0
scrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Shows the poor situation the government puts disabled and low income in, cut supports then recommend obtaining debt.

It's certainly works short term, but long term it never does.

I guess in theory while it would ruin your credit, if your on disability for life, at least in BC its exempt from garnishment, so one could just pay minimum for a few months and stop, can't collect money from those without it.

Also why most reputable lenders wont give credit to people on disability, the banks know they can't collect if it defaults, but the more predatory high interest places like Canadian Tire Bank, they will no issue, but the their interest is so high, they probably make money at the end of the day or they wouldn't be doing it.,

Originally Posted by caretaker
I agree with you. I was hardly making any money and ran a Can Tire card up to around $2500. Finally I cut it up and paid it off but it wasn't easy and took a long time. Now I use one credit card, pay it off several times a month so I have a credit rating and pay no interest and I think there's a boomer plan that means no fees. I'm a boomer so always like to have cash but since the pandemic became used to using credit more often, and it does earn a few points. I won't even use a remote ATM from a 3rd party that charges for the withdrawl, not worth whatever it costs imo.
scrubbedexpat091 is offline  
Old Aug 5th 2021, 4:57 pm
  #9123  
Account Closed
 
Joined: Jan 2006
Posts: 0
scrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond repute
Default Re: Random stuff - the anything else thread

That rule works for luxury items, but often people end up in the debt to bridge the gap between pay checks to pay for medication or food or their electric bill or even rent.

Bank fees are a poor persons tax, the minimum are so high, they are unrealistic for people on lower income, but luckily banks like Tangerine offer basic checking without fees, but all the big banks, their minimums to avoid monthly fees is out of reach for the bottom segment of society, yet we still need banking services, we just don't always get the luxury to avoid the fees, Tangerine is good if you can do everything online, so for someone without internet wouldn't be a very useful option.

As they say the less money one has the more expensive life is, can't buy bulk to save, can't avoid fees due to minimum balances required being unrealistic and often more than a person even makes in a month.

Looking at CIBC website.

Pay no monthly fee with a daily balance of $4,000 on their basic account which is $16.95/month their $29/month plan requires you maintain a daily balance of $6,000 or $100,000 in eligible savings and investments.

It is what it is, banks will always cater to those with money, and will even close accounts on people like me because we are a net loss for the bank, TD did that to me, but they worded in a nice way, something like "we value you as a customer, however we feel that at this time we do not have services you require" just a nice way of saying hey your too poor, never have a balance and the $14.95 isn't enough to justify keeping you as a customer.


Originally Posted by Jerseygirl
Mum’s rule was, if you can’t pay for it, you can’t have it. I have always lived by that rule. I have only one credit card, the full amount is paid automatically from our bank account every month. I say one…I mean Canadian. I have one US and one UK credit card, which is used when I am in the respective countries, then I do not pay any fees. Both those cards are paid in full automatically at the end of the month used. We have never paid a penny interest. Nor do we pay bank fees…or we would move our accounts.

I am with you on the 3rd party ATMs.
scrubbedexpat091 is offline  
Old Aug 5th 2021, 5:21 pm
  #9124  
Account Closed
 
Joined: Jan 2006
Posts: 0
scrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Not that I would such items anywhere, the spam that has hit the forum tonight, is rather interesting, and I think if I were going to partake in such products, the countries list would be the last ones I would ever try to do it in, poster joined today and is up to 57 posts already, all this one, this is just the headline, the body of the posts list a bunch of options, just in case you missed it, something about buying drugs in those countries just doesn't seem wise.

I wonder if this spam is human or a bot? And do they mean cocaine?


scrubbedexpat091 is offline  
Old Aug 6th 2021, 2:29 am
  #9125  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 88,105
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jsmth321
That rule works for luxury items, but often people end up in the debt to bridge the gap between pay checks to pay for medication or food or their electric bill or even rent.

Bank fees are a poor persons tax, the minimum are so high, they are unrealistic for people on lower income, but luckily banks like Tangerine offer basic checking without fees, but all the big banks, their minimums to avoid monthly fees is out of reach for the bottom segment of society, yet we still need banking services, we just don't always get the luxury to avoid the fees, Tangerine is good if you can do everything online, so for someone without internet wouldn't be a very useful option.

As they say the less money one has the more expensive life is, can't buy bulk to save, can't avoid fees due to minimum balances required being unrealistic and often more than a person even makes in a month.

Looking at CIBC website.

Pay no monthly fee with a daily balance of $4,000 on their basic account which is $16.95/month their $29/month plan requires you maintain a daily balance of $6,000 or $100,000 in eligible savings and investments.

It is what it is, banks will always cater to those with money, and will even close accounts on people like me because we are a net loss for the bank, TD did that to me, but they worded in a nice way, something like "we value you as a customer, however we feel that at this time we do not have services you require" just a nice way of saying hey your too poor, never have a balance and the $14.95 isn't enough to justify keeping you as a customer.

I am well aware what it is like to be poor. Granted we were never homeless because we lived in council provided accommodation. Mum often went without food to feed my sister and I. Anyway…I have posted about this before over the years and I am not going to repeat myself. One advantage of growing up like that is…it makes you determined to live a better life.
Jerseygirl is offline  
Old Aug 6th 2021, 5:26 am
  #9126  
Oscar nominated
Thread Starter
 
BristolUK's Avatar
 
Joined: Jan 2008
Location: Moncton, NB, CANADA
Posts: 51,858
BristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jsmth321
Amusing in a way the advice of my wife's mental health worker is to go into debt to survive by getting credit, been there done that, not a viable way to stay above water.
Originally Posted by caretaker
I agree with you. I was hardly making any money and ran a Can Tire card up to around $2500. Finally I cut it up and paid it off but it wasn't easy and took a long time. Now I use one credit card, pay it off several times a month so I have a credit rating and pay no interest
I think it depends on a number of things. Willpower is a major one but what the 'need' is can also be another one. And how long is it for.

I've been in the position where for every $100 paid off the balance has only gone down by $60 or whatever it was. But there was a period where there was no choice. Tenant disappears owing rent/damage caused, you have to spend something in order to get the next tenant in; family cooker packs up, you need a replacement; heating packs up and it's Canadian winter you have to spend.

A laptop might seem a luxury when you already have a desktop computer but if a kid is using it for schoolwork that takes access away from others. A laptop, connected to a TV could also be the cheap family entertainment cutting out other costs.

If a credit card enables you to buy that $600 laptop for $450 at BestBuy now and you pay it off at $80 a month it costs you less than saving $100 for 6 months to pay full price and you've been $20 a month better off.

Waiting might prove more expensive in the long run.

Balance transfers to a zero interest card can make a big difference too, so long as you know you can make those payments.

But if you're paying $100 a month and $40 goes in interest and you transfer it to a zero interest for a year card, your debt reduces by $100 a month instead of $60. It's a massive difference.
BristolUK is offline  
Old Aug 6th 2021, 1:56 pm
  #9127  
Stand-up Philosopher
 
caretaker's Avatar
 
Joined: Apr 2009
Location: Regina Saskatchewan
Posts: 16,344
caretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by BristolUK
A laptop might seem a luxury when you already have a desktop compute.
In the early 90's I was buying bacon, bread, gasoline, kerosene, candles, matches, and ammunition. 1 bottle of whiskey and 1 pouch of tobacco per month. Too bad I smoked. $140 - $300 / month left no budget for luxuries. When I was young in the early 70's I was really poor for quite awhile. When I saw hard times coming I'd buy a big bag of rice knowing I could always put something together for cheap.
caretaker is offline  
Old Aug 9th 2021, 1:25 am
  #9128  
Stand-up Philosopher
 
caretaker's Avatar
 
Joined: Apr 2009
Location: Regina Saskatchewan
Posts: 16,344
caretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond reputecaretaker has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Found this in my picture file and was immediately reminded...



Originally Posted by caretaker
That isn't a rare one, it's just a Sheepshead. They catch them off the Skyway Pier in St Pete's and they're supposed to be delicious. Their nickname is prisoner fish or convict fish because of the stripes.
Originally Posted by Danny B
caretaker is offline  
Old Aug 10th 2021, 3:37 am
  #9129  
Oscar nominated
Thread Starter
 
BristolUK's Avatar
 
Joined: Jan 2008
Location: Moncton, NB, CANADA
Posts: 51,858
BristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond reputeBristolUK has a reputation beyond repute
Default Re: Random stuff - the anything else thread

I see there's a big Lacrosse match coming up this weekend.
Canada East Vs Canada West.

That's going to take some effort to get the ball from one side of the country to the other.

BristolUK is offline  
Old Aug 11th 2021, 7:26 pm
  #9130  
Account Closed
 
Joined: Jan 2006
Posts: 0
scrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Someone needs to invent a pill that suppresses the body wanting food.
scrubbedexpat091 is offline  
Old Aug 11th 2021, 10:54 pm
  #9131  
SUPER MODERATOR
 
Jerseygirl's Avatar
 
Joined: Dec 2005
Posts: 88,105
Jerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond reputeJerseygirl has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jsmth321
Someone needs to invent a pill that suppresses the body wanting food.
They have, but they are mainly available on prescription only.
Jerseygirl is offline  
Old Aug 12th 2021, 2:26 am
  #9132  
Tea Drinker
 
Danny B's Avatar
 
Joined: Nov 2006
Location: Kamloops, BC
Posts: 5,387
Danny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jsmth321
Someone needs to invent a pill that suppresses the body wanting food.
Black coffee does that.
Danny B is offline  
Old Aug 12th 2021, 3:01 am
  #9133  
Account Closed
 
Joined: Jan 2006
Posts: 0
scrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond reputescrubbedexpat091 has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jerseygirl
They have, but they are mainly available on prescription only.
But those are only available to people overweight, they need to make something for those who cannot afford food so they no longer need to feel hungry.
scrubbedexpat091 is offline  
Old Aug 12th 2021, 5:24 am
  #9134  
Tea Drinker
 
Danny B's Avatar
 
Joined: Nov 2006
Location: Kamloops, BC
Posts: 5,387
Danny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond reputeDanny B has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Jsmth321
But those are only available to people overweight, they need to make something for those who cannot afford food so they no longer need to feel hungry.
Have you registered at your local foodbank?

https://cofoodbank.com/client-servic...vices-kelowna/
Danny B is offline  
Old Aug 12th 2021, 5:35 am
  #9135  
Banned
 
Joined: Apr 2009
Location: SW Ontario
Posts: 19,879
Siouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond reputeSiouxie has a reputation beyond repute
Default Re: Random stuff - the anything else thread

Originally Posted by Danny B
Black coffee does that.
I've drunk black coffee (no sugar or sweeteners) for more than 30 years - hasn't worked for me!
Siouxie is offline  

Contact Us - Manage Preferences Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Your Privacy Choices -

Copyright © 2024 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.