MSGID: 1:153/757.21@fidonet 25da374f
REPLY: 1063.canada@1:2320/105 2d64a35b
PID: OpenXP/5.0.64 (Win32)
CHRS: ASCII 1
TZUTC: -0400
Hello Rob!

** On Monday 27.10.25 - 07:44, you wrote..

 RM> I have at times needed to transfer say $10,000 from home ASAP
 RM> and done it by eTransferring the maximum daily amount for 4
 RM> consecutive days and not run into that. I'm sure there is a
 RM> monthly limit to go along with that daily limit ($3000) but
 RM> so far I've been okay on that.

Yep, there are etransfer limits, but apparently there are no  
limits for doing cash withdrawals in person:

https://www.cbc.ca/news/gopublic/bank-investigator-fraud-scam- 
9.6950754

The fellow was scammed out of $1.7M over 6 months.


 RM> ..and, more recently,
 RM> CIBC changed my account to a senior's and they pay the fee for
 RM> me on that one. The fee is still there, you get billed for it,
 RM> and then they pay it for you for some reason, although RBC
 RM> does that the same way.

The billing and then the removal is odd.  I wonder why they  
report it that way.


 RM> Possibly because I didn't OPEN any true senior's accounts,
 RM> I just got older using my old account which always had a fee
 RM> unless you kept a balance of $1500+ in it, as you mentioned.

CIBC was good to you then.  I know people who were with  
ScotiaBank for years and still got charged a plan fee even  
*after* they turned 60+.


 RM> often.  i.e.. My unsecured Line of Credit is at Prime +1.99%,
 RM> rather than Prime plus 3.5% or more like it is for most people..

Mine is at 10.38%.  I was sitting pretty at closer to 6% for  
years before that.


 RM> So many Crypto plans have gone bankrupt the last few years they
 RM> worry me a bit. My nephew has a bit of that but he went nuts
 RM> buying silver instead. The return on silver has been over 100%
 RM> over the past 2 years so he may have had a good idea, but I feel
 RM> the best time to buy it was a couple of years ago, not now..

It's not crypto that can can particularly go bad, but the  
exchanges.   Coinbase seems to be one operating well.


 RM> Most of my investments have made 12% to 14% a year for the
 RM> past few years, which is great compared to the past, but it's
 RM> hard to say where things are going given the ongoing confusion
 RM> with the American tariff war..

Sounds like you are doing well.

-- 
  ../|ug

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