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12-15-2025, 12:26 PM
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#37951 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
Posts: 5,878
Thanked 4,578 Times in 2,130 Posts
Failed 71 Times in 45 Posts
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Originally Posted by Eff-1  Hey question for people specifically with variable TD mortgages.
With the decline in rates this past year, has your payment adjusted downwards? Or has it stayed the same, but with more going to the principal?
When we signed a 5 year variable with TD back in January, I assumed as the interest rate goes down, our payment would as well.
12 months later and that doesn't appear to be the case.
Did I just miss that part of the fine print in the mortgage agreement? Or is this something I can adjust?
It's a pain to talk to anyone at TD without making an appointment so I thought I'd ask here in case anyone knows. | It does not adjust downwards automatically. If you want to lower the payment you'll have to call.
The tellers can't help you. The two times I've had to adjust things I either got the branch manager to do it, or called my TD mortgage specialist to make the adjustment.
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12-15-2025, 12:27 PM
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#37952 | | I STILL don't get it
Join Date: Aug 2015 Location: Main & Hastings
Posts: 481
Thanked 510 Times in 167 Posts
Failed 0 Times in 0 Posts
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CIBC Imperial Service? I see it as a service that trys to sell their expensive mutual funds (2+% MER) in the guise that you're a special client. My replacement FA at imperial service does not even exist. Doesn't respond to phone calls or emails, but I get a black debit card that sits at home though.
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12-15-2025, 12:56 PM
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#37953 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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On snap. Wutcha gonna do, RabidRat?
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 01:05 PM
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#37954 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,089
Thanked 2,371 Times in 882 Posts
Failed 120 Times in 37 Posts
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Lol I think I'll do it. They emailed me back saying yes they can do wire transfers for me, no need to line up in person anymore. That was my primary dream, everything else is optional. They said no fees!
__________________ Geriatric Motoring Club Member #37 Quote:
Originally Posted by EvoFire I need to be reliably within 10-15mins of a baked pork chops rice with lemon tea. | | |
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12-15-2025, 01:06 PM
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#37955 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,857
Thanked 3,641 Times in 1,547 Posts
Failed 47 Times in 27 Posts
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Imperial Service is a stupid and useless service. The FAs are terrible and never available.
Maybe we just have a bad one. We have been trying to switch FAs but it's like pulling teeth.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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12-15-2025, 01:48 PM
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#37956 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
| Quote:
Originally Posted by RabidRat Lol I think I'll do it. They emailed me back saying yes they can do wire transfers for me, no need to line up in person anymore. That was my primary dream, everything else is optional. They said no fees! | Don't you dare post back in this thread until you hit Private Banking! 
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 03:04 PM
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#37957 | | RS has made me the bitter person i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,513
Thanked 5,078 Times in 2,061 Posts
Failed 109 Times in 53 Posts
| Quote:
Originally Posted by Eff-1 Hey question for people specifically with variable TD mortgages.
With the decline in rates this past year, has your payment adjusted downwards? Or has it stayed the same, but with more going to the principal?
When we signed a 5 year variable with TD back in January, I assumed as the interest rate goes down, our payment would as well.
12 months later and that doesn't appear to be the case.
Did I just miss that part of the fine print in the mortgage agreement? Or is this something I can adjust?
It's a pain to talk to anyone at TD without making an appointment so I thought I'd ask here in case anyone knows. | You can just call into TD's mortgage line - I've had pretty solid experiences (fast turnaround, they knew what they were talking about) for small stuff like this (asking them to extend the amortisation to the max amount)
TD's variable rate mortgages are fixed payments so it's only amortisation that changes when rates change. Some banks fix the amortisation instead (I had this with Coast Capital back in the day).
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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12-15-2025, 03:13 PM
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#37958 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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Originally Posted by Badhobz Woah woah turbo tax ?!?! Look at mr money bags here… Psssh… try HR block free online tax prep. It’s free !
Once again ITS FREE !!!!
Great for simple taxes like my parents. | Quote:
Originally Posted by BIC_BAWS | Not that it matters, because all of you have private banking prileges, but in case anyone needs to (or wants to) know, Wealthsimple offers tax filing for free*. Free as in you pay what you want/can. The only caveat is you need to sign up with them. Then again, their data can be breached like any financial institution, so sign up and use their service at your own risk.
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 03:19 PM
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#37959 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 13,652
Thanked 15,450 Times in 5,823 Posts
Failed 555 Times in 307 Posts
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Plz hack my shitty parents. They have negative amounts of money so go nuts scammers. I told my dad to say yes to every Nigerian prince. Maybe he’ll hit it rich one of these days.
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Geriatric Motoring Crub Member #444 | |
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12-15-2025, 03:42 PM
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#37960 | | RS has made me the bitter person i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,513
Thanked 5,078 Times in 2,061 Posts
Failed 109 Times in 53 Posts
| Quote:
Originally Posted by bcrdukes Not that it matters, because all of you have private banking prileges, but in case anyone needs to (or wants to) know, Wealthsimple offers tax filing for free*. Free as in you pay what you want/can. The only caveat is you need to sign up with them. Then again, their data can be breached like any financial institution, so sign up and use their service at your own risk. | Pfffffffttt..you only have to pay if you have less than $500k in assets, it's free otherwise. C'mon, roll the dice on some crypto and you'll be there in a few weeks.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
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12-15-2025, 03:43 PM
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#37961 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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hahaha my cousin's father in law falls for WeChat romance scams all the time. He's probably been scammed over $10,000+ USD and well over 10 times. Pretty sure he's in a silent divorce by now. 
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 03:59 PM
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#37962 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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Originally Posted by supafamous Pfffffffttt..you only have to pay if you have less than $500k in assets, it's free otherwise. C'mon, roll the dice on some crypto and you'll be there in a few weeks. | Did WealthSimple piss you off? 
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 04:20 PM
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#37963 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,089
Thanked 2,371 Times in 882 Posts
Failed 120 Times in 37 Posts
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WealthSimple's offering a free phone or laptop, if you bring in $100k.
They'll throw in a monitor if you hit $1M!!
You have to keep the money there for like 2 years though or they charge you.
What do you guys think, reverse mortgage to fund this one?!
__________________ Geriatric Motoring Club Member #37 Quote:
Originally Posted by EvoFire I need to be reliably within 10-15mins of a baked pork chops rice with lemon tea. | | |
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12-15-2025, 04:33 PM
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#37964 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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Excuse me sir, but are you on private banking yet? If not:  
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-15-2025, 08:35 PM
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#37965 | | RS has made me the bitter person i am today!
Join Date: Jan 2012 Location: PENIS
Posts: 4,697
Thanked 4,586 Times in 1,487 Posts
Failed 300 Times in 128 Posts
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that monitor 75"?
__________________ There's a phallic symbol infront of my car Quote: |
MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
| bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
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12-15-2025, 10:42 PM
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#37966 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Aug 2007 Location: Paradise, BC
Posts: 8,085
Thanked 7,874 Times in 3,249 Posts
Failed 259 Times in 145 Posts
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Gesh... I dun want an iPhone or a Mac. I'm an Android and PC kinda guy!
Why can't these WealthSimple dudes get their facts straight, and see that Android and PC users outnumber iPhone and Mac bros by something like 9:1?
__________________ Quote:
Originally Posted by westopher The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid. | | |
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12-16-2025, 12:02 AM
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#37967 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,857
Thanked 3,641 Times in 1,547 Posts
Failed 47 Times in 27 Posts
| Quote:
Originally Posted by Traum Gesh... I dun want an iPhone or a Mac. I'm an Android and PC kinda guy!
Why can't these WealthSimple dudes get their facts straight, and see that Android and PC users outnumber iPhone and Mac bros by something like 9:1? | The Android supremacy is skewed by India and China’s low cost units.
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | | |
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12-16-2025, 09:04 AM
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#37968 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,089
Thanked 2,371 Times in 882 Posts
Failed 120 Times in 37 Posts
| Quote:
Originally Posted by Traum Gesh... I dun want an iPhone or a Mac. I'm an Android and PC kinda guy!
Why can't these WealthSimple dudes get their facts straight, and see that Android and PC users outnumber iPhone and Mac bros by something like 9:1? | You could still use the monitor!
__________________ Geriatric Motoring Club Member #37 Quote:
Originally Posted by EvoFire I need to be reliably within 10-15mins of a baked pork chops rice with lemon tea. | | |
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12-16-2025, 09:43 AM
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#37969 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,242
Thanked 1,927 Times in 1,009 Posts
Failed 85 Times in 24 Posts
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Originally Posted by GLOW studiotax used to be free for all, but changed the model so only low income folks get it for free. it's still a good deal - just under $20 for up to 10 returns. i like how if you submitted online before it can use your previous return to populate a lot of stuff making it even more user friendly. | Been using studiotax for over a decade and even though it's no longer free I still roll with it because I'm just so used to it even though it looks like I'm using some software from the early 2000's but it works and that's all that matters.
But anyway CRA lists software options that are free online. I see they didn't release the 2025 list yet but shouldn't be too far off. https://www.canada.ca/en/services/ta...-software.html
__________________
"back at the line to Babych.... LONG SHOT....Potvin had trouble with it....ADAM SHOOTS SCORES!!!!
GREG ADAMS!! GREG ADAMS!!"
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12-16-2025, 09:57 AM
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#37970 | | I subscribe to Revscene
Join Date: Jun 2006 Location: Vancouver
Posts: 1,914
Thanked 856 Times in 369 Posts
Failed 12 Times in 9 Posts
| Quote:
Originally Posted by Eff-1 Hey question for people specifically with variable TD mortgages.
With the decline in rates this past year, has your payment adjusted downwards? Or has it stayed the same, but with more going to the principal?
When we signed a 5 year variable with TD back in January, I assumed as the interest rate goes down, our payment would as well.
12 months later and that doesn't appear to be the case.
Did I just miss that part of the fine print in the mortgage agreement? Or is this something I can adjust?
It's a pain to talk to anyone at TD without making an appointment so I thought I'd ask here in case anyone knows. | As someone noted before, your payment stays the same but your split between interest/principal gets adjusted so you end up paying down your balance quicker. We got our mortgage in September last year, and have since knocked off close to 10 years of amortization which is pretty sweet. I believe TD gives you the ability to lock in at any time, so I've been waiting for one more drop (pls pls zaddy Macklem) but the chances of that appear to be dwindling.
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12-16-2025, 10:13 AM
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#37971 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
Posts: 5,878
Thanked 4,578 Times in 2,130 Posts
Failed 71 Times in 45 Posts
| Quote:
Originally Posted by dat_steve As someone noted before, your payment stays the same but your split between interest/principal gets adjusted so you end up paying down your balance quicker. We got our mortgage in September last year, and have since knocked off close to 10 years of amortization which is pretty sweet. I believe TD gives you the ability to lock in at any time, so I've been waiting for one more drop (pls pls zaddy Macklem) but the chances of that appear to be dwindling. | The US economy is wavering, so we might see cuts with the US Feds, if the US Feds cut then we might see more cuts up here.
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12-16-2025, 06:38 PM
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#37972 | | OMGWTFBBQ is a common word I say everyday
Join Date: Apr 2013 Location: revscene
Posts: 5,021
Thanked 5,447 Times in 1,933 Posts
Failed 180 Times in 78 Posts
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Originally Posted by EvoFire The US economy is wavering, so we might see cuts with the US Feds, if the US Feds cut then we might see more cuts up here. | I read somewhere that Carney (Canada) and a collective bunch of other nations bought up US bonds and are massively selling them off to tank the US economy lol
__________________
|| 18 FK8 | R-18692 | Rallye Red | 6 MT ||
|| SOLD 97 E36 M3 Sedan | Arctic Silver | 5MT ||
|| RIP 02 E46 330ci | Schwartz Black II | 5MT | M-Tech II | Black Cube | Shadowline | Stoff Laser/Anthrazit ||
|| RIP 02 E46 M3 | Carbon Black | 6MT ||
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12-16-2025, 07:01 PM
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#37973 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 33,020
Thanked 14,574 Times in 6,111 Posts
Failed 534 Times in 356 Posts
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Do you know how a bond works?
This Carney Checkmate narrative is false.
__________________ Quote:
Originally Posted by Badhobz Ill show you creamy eggs you motherfucker | Quote: |
Originally Posted by Badhobz My hand is always on my dick | | |
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12-16-2025, 07:15 PM
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#37974 | | Willing to sell a family member for a few minutes on RS
Join Date: Apr 2011 Location: North vancouver
Posts: 14,247
Thanked 35,605 Times in 8,603 Posts
Failed 235 Times in 183 Posts
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I don’t so I wish it was true.
__________________
98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | | |
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12-18-2025, 11:51 AM
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#37975 | | I told him no, what y'all do?
Join Date: Aug 2006 Location: Vancouver
Posts: 10,669
Thanked 6,406 Times in 2,820 Posts
Failed 109 Times in 71 Posts
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didn't know where to put this, but since it's related to land thought best here.
they decided to close sir guy carleton elementary.
in b4 some developer gobbles it up and a shady way.
guess all those collingwood towers going up will be for single guys with no kids. http://www.cbc.ca/player/play/video/9.7021440
__________________ Feedback
http://www.revscene.net/forums/showthread.php?t=611711 Quote: Greenstoner
1 rat shit ruins the whole congee
originalhypa
You cannot live the life of a whore and expect a monument to your chastity | Quote:
[22-12, 08:51]mellomandidnt think and went in straight..scrapped like a bitch
[17-09, 12:07]FastAnna glowjob
[17-09, 12:08]FastAnna I like dat
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