looks like the push to crush the competition of small businesses is near complete. The same useless employees will migrate to the monopolies.
Printable View
My supplier. My credit holders and my biggest “competitors” all have the same shareholders.
It’s currently talking 3 weeks to get product from the warehouse in Branford to my store 2.5 hours away. I can’t change shippers because that’s a contract with the supplier and I can’t go to the ware house because it’s unionized.
I get Rick’s frustration with stock and personnel. But in my case we can’t maintain stock due to supply. And the personnel are tired of being yelled at day in and day out for the last 5 years.
Maybe more like around 2% after tax? Interest income is the highest taxed income (unless in TFSA).
You pay banking fees? Moved to PC Financial in 1998 and haven't paid any banking fees since then (they were bought by CIBC sometime before the pandemic and changed their name to Simplii but kept the no fee thing; I'm not a fan of CIBC but I'll keep my account with Simplii as long as they don't mess with it). They do have HISA accounts like WS but I don't remember what the rate is.
I did have to open an account with RBC just over 10 years ago because I needed bank accounts on both sides of the border and they waived the monthly fees if you had 3 or more products with them. So I moved my mortgage to them + no fee credit card (which I hardly use) + small TFSA + chequing account + no fee USD account. Mortgage is long retired and still haven't paid any monthly or usage fees in over 11 years since I have at least 3 products.
Also have a chequing account + no fee credit card with them in the US and move money back and forth between the 2 countries with no fees.....so RBC may be another option although I keep waiting for them to change the price structure.
No minimum balances required in chequing accounts either in each country....don't keep much with RBC anyway since Simplii is still my main bank.
Hopefully they don't see this and start charging me fees...lol
the petro dollar just died. Big changes coming.
They generally don't "grandfather" agreement terms/pricing anymore - regularly get "changes to your agreement/pricing" notices from various FIs. They just have to give you adequate notice period and if you continue to use the product it demonstrates your acceptance of new terms.
How do you check the health and size of Credit Unions and financial institutions?
Looking at a few Credit Unions. Bank collapses aren't unheard of, there's been a few in the last year. Being insured by the regulatory authority is one thing but I think that's a low bar.
Meridian is where I am now. They've been around a long time. I used them back in the late 80's to early '93 but they went by the name HEPCO then. Not sure when the name change happened but the letter "H" stands for Hydro. I left Hydro in '93 when they began to dismantle it. Left with a package hence the bullshit recovery charge that use to be on the bill. (can't remember what they call that charge, it is no longer on the bill). Meridian has several branches.
Exhaust video.
The car is literally unbearable to drive. The video doesnt capture the actual volume in and out of the car... its bad. At full throttle or even half throttle the exhaust note has no character...just loud and raspy.
Tons of drone, upon start up it sets off the alarms of numerous cars around me.
I just secured a set of JBA mufflers to put on it and trash this pypes pipe bomb exhaust.
If anyone wants the exhaust, let me know, you can have it for the price of a gin and soda.
https://www.youtube.com/watch?v=ttkbxJVLw5E&t=7s