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@scannon586 Option D; tell the Bond Originator you aren’t happy with the rate they got you and they should try again.

@lik It’s pretty easy to transfer your TFSA. Whatever you do, just don’t withdraw it! Make sure you do a transfer. If you withdraw, and deposit wyou get penalised twice, you reduce your overall contribution limit AND you get taxed heavily for exceeding your annual contribution, so transfer is...

@dreamylala If you are not sure, then you will be wasting both time and money. If you have the means, take the advice on here and take a gap year. In my first year about 25% of the engineering cohort either came back from a 1 or 2 year gap year, or started studying something else and transfered...

@pragyana Or just study industrial engineering and do a weird mutant hybrid of both.

@richard_believer Interesting! I didn’t know there was a different fee for each club! I know they have a couple of those super exclusive ones in Melrose Arch and a couple others that are more expensive, but didn’t know normal clubs also had different prices. Thanks for the info!

@cerulean123 I do.

@tamlamc So if you are a Discovery Vitality member you get 75% off your Virgin Active fee, provided you visit the gym 36 times in a rolling 12 month period. If you want to visit 2 different clubs you’ll have to take out the more expensive national contract. If you just take a basic plan and...

@ntsloan Yeah same. I’ll get a quote for sure. But if they beat my current interest rate, and all the fees don’t erode the savings, I’d seriously consider switching. If the maths math, I can’t see a reason not to switch if there are savings to be had.

@ntsloan Discovery Bank is launching a home loan offering in April.

@janehenry Still shouldn’t have gone up though. Mathematically it should always go down.

@janehenry Yeah, that doesn’t seem right. There are 2 mechanisms: 1. Flexi bond where you can add additional funds into your bond but the funds remain available. Your payment stays the same, but the interest paid and term are reduced. Recalculated bond where there term remains the same, but...