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Fortress

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  1. Hey everyone. I am with RBC and I have a question regarding the interest I pay on my line of credit. So I got a few statements from my line of credit. The statement shows the amount of applicable interest I am required to pay as well as the payment due date. When the interest is automatically withdrawn from my chequing account on the payment due date, the amount withdrawn is actually different from what is shown on the statement. For example, my last statement showed an applicable interest of 1.84 dollars due on the 30th of September. The amount that was actually withdrawn from my chequing account on the 30th was 1.66 dollars. And all of the previous months were like that. The statement shows one thing but the amount deducted is different, sometimes higher and sometimes lower than the amount shown on the statement. Is it just me or do other people have the same thing? Is there an explanation why this happens even though there was no changes made to my line of credit between the statement end date and the actual due date of payment? Would appreciate any input on this.
  2. Hey everyone. I am with RBC and I have a question regarding the interest I pay on my line of credit. So I got a few statements from my line of credit. The statement shows the amount of applicable interest I am required to pay as well as the payment due date. When the interest is automatically withdrawn from my chequing account on the payment due date, the amount withdrawn is actually different from what is shown on the statement. For example, my last statement showed an applicable interest of 1.84 dollars due on the 30th of September. The amount that was actually withdrawn from my chequing account on the 30th was 1.66 dollars. And all of the previous months were like that. The statement shows one thing but the amount deducted is different, sometimes higher and sometimes lower than the amount shown on the statement. Is it just me or do other people have the same thing? Is there an explanation why this happens even though there was no changes made to my line of credit between the statement end date and the actual due date of payment? Would appreciate any input on this.
  3. So just to clarify, the prices posted on the travel rewards website are more expensive than the airline's, right? Also, if you purchase the flight from the airline and then apply your points to the travel expense, would it be at the same rate of 100 points=$1 value? Or is it a different rate?
  4. Hey all. Quick question about Scotia. When you book flights through the Scotia Travel Rewards website, are the posted prices for flights the same as the prices posted on the airline's website? Or is it more expensive? I know with RBC for example, the prices are the same as the ones on the airline's website but they don't allow you to choose the most basic and thus the cheapeast fare. The only option available is to choose a slightly advanced fare (standard fare for air canada, econo for westjet).
  5. Hello everyone. I am a McGill medical student interested in learning French. I have absolutely zero knowledge of the French language. I am looking for advice from some of the more senior members of the forum who were in a similar situation. My aim is to reach a level where I can have a functional conversation with a patient in French (i.e be able to express myself as well as understand what the patient is telling me). I am not interested in learning how to read or write at the moment. What is the best and most efficient way to reach that level? I heard about the Medical French Workshops organized by McGill. I have also heard about online programs such as Duolingo and Rosetta Stone. What is the best and most efficient way to go about this? Also, how long would it take me to be able to have a functional conversation with a patient in French? Any input on this matter would be greatly appreciated, especially from people who were in a similar situation and who have first-hand experience in learning French from scratch. Thanks.
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