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Yesterday, 12:26 PM
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#37951 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
Posts: 5,840
Thanked 4,543 Times in 2,115 Posts
Failed 71 Times in 45 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. | 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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Yesterday, 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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Yesterday, 12:56 PM
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#37953 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 Posts
Failed 534 Times in 356 Posts
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On snap. Wutcha gonna do, RabidRat?
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 01:05 PM
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#37954 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,064
Thanked 2,332 Times in 874 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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Yesterday, 01:06 PM
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#37955 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,845
Thanked 3,621 Times in 1,537 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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Yesterday, 01:48 PM
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#37956 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 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 I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 03:04 PM
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#37957 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,474
Thanked 5,013 Times in 2,038 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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Yesterday, 03:13 PM
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#37958 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 Posts
Failed 534 Times in 356 Posts
| Quote:
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 I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 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: 13,508
Thanked 15,303 Times in 5,762 Posts
Failed 553 Times in 305 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.
__________________
Geriatric Motoring Crub Member #444 | |
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Yesterday, 03:42 PM
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#37960 | | Rs has made me the woman i am today!
Join Date: Mar 2011 Location: Vancouver
Posts: 4,474
Thanked 5,013 Times in 2,038 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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Yesterday, 03:43 PM
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#37961 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 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 I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 03:59 PM
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#37962 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 Posts
Failed 534 Times in 356 Posts
| Quote:
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 I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 04:20 PM
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#37963 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,064
Thanked 2,332 Times in 874 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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Yesterday, 04:33 PM
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#37964 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,942
Thanked 14,466 Times in 6,069 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 I used to date this crazy cbc bitch in college. I miss this slut and her magical ass. | Quote:
Originally Posted by Badhobz I’d eat her crack. | Quote:
Originally Posted by mikemhg "Oh ya, don't be too loud, my ex-wife is upstairs/down the hall, no biggie though, we've been separated for years now. | | |
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Yesterday, 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: 4,682
Thanked 4,573 Times in 1,480 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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Yesterday, 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: 8,052
Thanked 7,847 Times in 3,236 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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Today, 12:02 AM
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#37967 | | HELP ME PLS!!!
Join Date: Jul 2006 Location: Vancouver
Posts: 5,845
Thanked 3,621 Times in 1,537 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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Today, 09:04 AM
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#37968 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 7,064
Thanked 2,332 Times in 874 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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Today, 09:43 AM
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#37969 | | RS.net, helping ugly ppl have sex since 2001
Join Date: Apr 2004 Location: Vansterdam
Posts: 8,234
Thanked 1,924 Times in 1,007 Posts
Failed 85 Times in 24 Posts
| Quote:
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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Today, 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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Today, 10:13 AM
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#37971 | | HELP ME PLS!!!
Join Date: Mar 2006 Location: Vancouver
Posts: 5,840
Thanked 4,543 Times in 2,115 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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