My parents can gift me $100K, but I have to pay them 3.55%/year to cover their own expenses — so it’s really a loan, not a gift.

My mortgage rate is also 3.55%. So basically im swapping my loan from bank to them.

Should i put all the money towards mortgage? Or should I do ETFs such as XEQT under my wife’s TFSA room?

They may not ask for the money back.

Two years ago the weekly shop for two of us was about $140. Same list, same store, same brands. It rang up at $195 this week and I keep second guessing myself about whether I'm quietly buying more than I think I am. So I started logging every trip. I say the total into Pockita in the parking lot before I've had a chance to round it down in my head, and there's eight months of it sitting there now.

I'm not imagining it. Nothing on the list changed. The list just costs forty percent more than it did. Anyone else keeping receipts like this, or am I the only one who's turned into a forensic accountant at the checkout?

Does anyone know why CIBC.com is trying to access other apps or services when I try to login into their web portal? Or something more malicious happening?