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   
      
   --- OpenXP 5.0.64   
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