All banks have the same calculation for breaking the mortgage. They use 3 month interest rate calculator when the market interest rate is higher then your mortgage. The banks will use IRD formula to calculate the mortgage penalty when the interest rate on the market is lower then your mortgage. IRD calculation is very high and costly when it comes to breaking your mortgage.

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I wanted to rent a hotel at mandalay bay, but they seemed to need some kind of deposit (standard deposit) i didn't want to charge my card before i found out what their standard deposit meant. it states: "standard deposits are calculated based upon your first nights rate plus 9% room tax. note this may differ from your average nightly rate.deposits are refundable if you cancel within your cancellation window." the price was $119.89 i'm not sure if i should book the room yet, before getting charged for something i'm not quite sure of. please answer as soon as possible because the rooms are getting pricier near x-mas. thanks!

it's a payment to the hotel if you reserve a room, then don't bother to show up. you've cost them money since they couldn't rent the room to anyone else for that day (since they'll hold it until checkout the next morning) if you're planning to check in, then reserve the room.

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Koodo mobile rate plans in canada ready-made combos talk & text see phones to buy! monthly fee$25.00 airtime included100 anytime minutes unlimited evenings & weekends billing calculated by...the second additional airtime rate35ø/minute phone features includedcall waiting and conference calling. text messagingunlimited messaging (text and picture)* activation fee$35.00² system access feeno contractmonthly early cancellation feeno cancellation fee. any remaining tab balance must be settled. 911 emergency service access feeincluded 411 directory assistance fee$1.50/call, plus airtime off peak calling hoursevenings - monday to friday 7pm to 8am weekends- friday at 7pm to monday at 8am notes* includes international text messages. excludes premium messages. ² if you activate over the phone (if you activate your phone online or in-store, that fee is waived). first month costs$85.00 * ongoing month to month costs$25.00 store locator long distance roaming add-ons coverage maps does this plan work with any phone using a koodo sim card? or does this work when i get a phone with it?

Actually, it works any way! If you get a phone other than the one provided by the service, the phone usually has a drop down lists of the services you can use with that phone. Good Luck!