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Call from CRA

October 27, 2017, 3:09 pm
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Hi

Today I got call and automated voice saying it was from CRA and they filed law suite on me. If I don't call to the number provided they will issue arrest warrant..

I logged in my CRA and there is no message. is this fake call?

Anyone got similar call?

Statistics: Posted by gskn4u — Oct 27th, 2017 3:09 pm

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Presidents Choice/Simpli Financial

October 27, 2017, 3:16 pm
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I talked to a guy at PC today who told me they will stop charging $1.50 for an interac e transfer once they become Simpli Financial! That's good news for me as I use that option fairly often. I had opened a Tangerine acct. in order to avoid that charge and still have free banking.

PC also said they will be offering a really good interest rate for savings once they become Simpli Financial - also good news. This change happens on Nov. 1 so I will be looking to see what the deal is there.

Statistics: Posted by funkynassau123 — Oct 27th, 2017 3:16 pm

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TransferWise to RBC USD Account

October 27, 2017, 12:50 pm
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Has anyone been able to use TransferWise to transfer to or from a RBC USD account (opened from Canada)?

Failing that does anyone have any suggestions on how to get better transfer rates when moving USD to CAD through RBC? The 3.5% or so that RBC is taking when doing transfers is starting to add up.

Mike

Statistics: Posted by mikeypotter — Oct 27th, 2017 3:50 pm

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CRA - change Q4 instalment amount?

October 28, 2017, 12:42 am
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I've been self-employed and paying taxes by quarterly instalments for several years now. I just pay the amounts CRA lays out on the notices that come in the mail as it is always similar year-to-year.

However, starting in Q4 this year, I've taken a 'normal' job on payroll and tax is being deducted at the source. Accordingly, for Q4, it doesn't really make sense to pay the suggested CRA amount on the notice as I'll be way over-paying taxes and then I'd have to wait a few months to collect the tax refund.

Does anyone know if I can just pay a lower amount for the Dec 15 instalment?

I've looked around the CRA website, but it's not clear. I just don't want to be nailed with penalties/interest when they see that my Q4 instalment payment amount is less then their amount from the instalment notice.

Cheers.

Statistics: Posted by jslwc — Oct 28th, 2017 3:42 am

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Critique my Couch Potato Portfolio

March 6, 2012, 8:54 am
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Since I have accumulated enough money in my TD e-series account that switching from index funds to index ETFs makes sense for me, I am thinking about starting a new couch potato portfolio.

Vanguard MSCI Canada Index ETF (VCE): 30%
Canadian Short-Term Bond Index ETF (VSB): 40%
iShares MSCI World Index (XWD): 30%

Total MER: ~ 0.23%

I am thinking that XWD will give me exposure to US Equities (50% of XWD) and European Equities (~45% of XWD). For Canadian, I have VCE and 5% of XWD along with 40% in bonds.

Is this diversified enough? Any other thoughts/comments? Having 3 ETFs will also lower the costs when buying/selling (which I plan to do twice a year). 40% in short term bonds is where I am comfortable so I don't really want suggestions to change that even though I am in my early 30s.

Statistics: Posted by ksgill — Mar 6th, 2012 11:54 am

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Loan/Mortgage to buy property overseas

October 29, 2017, 7:10 am
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Hi,

Edited new post:

Can i get a personal loan worth $200K to buy a property overseas in India?
The reason why i want to apply in Canada is because the interest rates in India are expensive.
At the time of posting this i got a quote of 8.5% floating interest rate for a period of 10 years. Monthly payment is 2567 CAD (INR converted to CAD).
I am sure i can get something cheaper in Canada.
My gross annual income is between 70K-80K. I have no debts and a credit score of 700.

Old post:

Can i get a mortgage (preferably) or a personal loan to buy a property overseas? It is a 2 bedroom apartment worth $200K in India.
My gross annual income is between 70K-80K. I have no debts and a credit score of 700.
What interest should i expect? And which institution will grant me this loan? Can i get the loan for the full amount?

Statistics: Posted by ravio1232 — Oct 29th, 2017 10:10 am

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Receiving GIft From Parents

October 30, 2017, 5:37 am
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Hello,

What is the procedure when I receive gift from my parents overseas? Do I have to report this to CRA? They will send the money through bank transfer. DO I have to pa any taxes on this Gift money? Is there any limit in the amount which can be received as a gift as tax free?
Could Revenue Canada question where did I get these funds in my bank, do I need any paper trail?

Statistics: Posted by greenfury — Oct 30th, 2017 8:37 am

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TD points for Expedia

October 30, 2017, 7:45 am
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Looking to book a trip using Expedia for TD.
I have 100000 points so I can redeem $500 from my trip. My trip costs $5000, so if I redeem all my points will I get points on my remaining balance that I pay with my credit card (9 points x $4500)?

What's the best way to maximize value using TD for Expedia?

Statistics: Posted by wallathewalrus — Oct 30th, 2017 10:45 am

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GIC at Oaken Financial

October 30, 2017, 8:55 am
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Any review about this Oaken Financial? Look like their rate is higher than those big 5 banks...thinking to park some $$$ there but want to find out about them first...

Save?

Statistics: Posted by kiasu — Oct 30th, 2017 11:55 am

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100% Entertainment deduction vs 50%

October 31, 2017, 8:18 am
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Hey guys,

I am aware that meal and entertainment expenses are deductible at 50%. A local business we partner with (a bar) hands out promotional items for us and sometimes does a draw for local sports tickets or concert tickets that we provide them with.

Are those deductible at 100% because they are not really gifts to clients, but rather promotional expenses that increase our brand value. Also, how would we have to prove that we didnt just gift them to the bar owner?

Thanks,

Michael

Statistics: Posted by Michael4357 — Oct 31st, 2017 11:18 am

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Looking for insight/pulse check into my financial situation

October 18, 2017, 8:58 am
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Does the mint still offer $25 for $25 coins?

October 31, 2017, 11:57 am
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Hey guys,

Does anybody know if the mint is still offering the $25 for $25 coins? I haven't seen any recently and just wondering if they stopped.

Thanks

Statistics: Posted by bhogala — Oct 31st, 2017 2:57 pm

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Tangerine external account link/unlink max

October 31, 2017, 3:19 pm
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So tangerine has a max of 3 external accounts that can be linked.
Is there a maximum of how many times you can unlink and then link to new external bank accounts?

Statistics: Posted by wra45mon — Oct 31st, 2017 6:19 pm

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Save 3¢ with RBC (Credit or Debit) by linking your Petro Points card + 20% additional RBC & Petro Points

October 31, 2017, 7:58 am
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Use Any Linked RBC Cards to Save, Earn and Redeem
Pay with any of your linked RBC debit or credit cards to instantly save 3¢ on every litre of fuel and earn points faster at Petro-Canada. You can even use the same linked RBC cards to redeem Petro-Points.

You Get More Every Time You Use Your Linked RBC Cards At Petro-Canada

Instantly Save 3¢ per litre on fuel
+
Always Earn 20% more Petro-Points
+
RBC Rewards - Always Earn 20% more RBC Rewards points with an RBC Rewards credit card

Can I combine the 3¢ per litre fuel savings I receive by paying with my linked RBC card with other fuel savings offers at Petro-Canada?
Yes, you can save 3¢ per litre on fuel in addition to other fuel savings offers at Petro-Canada, such as a Fuel Savings Reward card or Preferred Price Card. Be sure to insert or provide your fuel savings card first during the transaction before using your linked RBC card as payment.

Please note that you can only use one additional fuel savings card in a transaction.

Do I still need to swipe my Petro-Points card to earn Petro-Points on my purchases?
No, when you pay with your linked RBC debit or credit card, you’ll automatically earn Petro-Points on your qualifying Petro-Canada purchases. For more information, please refer to the Petro-Points terms and conditions.

Can I convert my Petro-Points to RBC Rewards points?
No, you cannot convert your Petro-Points to RBC Rewards points at this time.

Statistics: Posted by SquadG — Oct 31st, 2017 10:58 am

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Petro partner with RBC updates

October 18, 2017, 6:01 pm
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https://www.rbcroyalbank.com/petro-cana ... tro-canada

Thanks for Stopping By

Come back to visit on October 31, when you’ll be able to link your Petro-Points card to your eligible RBC debit or credit cards to instantly save 3¢ per litre on fuel and earn 20% more Petro-Points on qualifying purchases made at Petro-Canada. Linked RBC Rewards credit card holders will also receive 20% more RBC Rewards points on their purchases.

Until October 30, RBC clients who pay for their Petro-Canada fuel purchases with any RBC credit card will instantly save 2¢ per litre on fuel. For more details on the 2¢ per litre fuel savings offer click here.

Come back on October 31 to link your cards.

Statistics: Posted by Captainlin — Oct 18th, 2017 9:01 pm

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Simplii Financial Goes For A Shi*

October 31, 2017, 9:09 pm
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So right at the stroke of midnight eastern time I log into the Simplii Financial website...


I want to find out what their High Interest Savings Account is going to offer in terms of interest rate...

I'm ready to go...

Eyes wide open...

Been watching the clock for two-and-a-half hours...

tick tock -- tick tock etc etc.

And what do I find...

Mobile and internet banking is unavailable from midnight to 5 a.m. eastern time due to scheduled maintenance...

After a couple of months of anticipation...

And me staying up way past my bed time...

I get a "temporarily out of service" notice...

Damn...

Simply put -- not the best of starts...

Statistics: Posted by unclefester — Nov 1st, 2017 12:09 am

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Simplii (ex PCF) ... 3% new deposits promo: Nov 1, 2017 - February 28, 2018

October 31, 2017, 10:43 pm
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Just spoke to SImplii ... (called them to speak about this and that).

And was told that new promo just started on Nov 1 .. 3% on new deposits .. running until Feb 28, 2018.

Promo will start automatically basically ... -- won't need to call them to accept it (as we often did in the past over at PCF).

Statistics: Posted by Darkman — Nov 1st, 2017 1:43 am

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Simplii Financial (ex PCF) will waive the Interac e-transfer fee after Nov 1, 2017 = FREE, Unlimited and Permanently!

October 31, 2017, 11:23 pm
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I saw something here - http://www.canadianrewards.net/2017/10/ ... ncial.html

"1) Simplii Financial will waive the Interac e-transfer fee after Nov 1, 2017"


... and called Simplii to verify this / to ask some questions about this ...

And I was told this is permanent thingy! ... FREE Interac e-transfer -- unlimited ... and permanently (not a promo) ... for example, vs. EQ Bank's 5 FREE Interac e-transfers / per month.

PCF used to charge $1.50 for each Interac e-transfer previously.

Statistics: Posted by Darkman — Nov 1st, 2017 2:23 am

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Mogo - 100 day free loan?

October 31, 2017, 11:27 pm
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I got this email from Mogo, and it seems too good to be true? Anyone try this out? Take out 10k, earn $~55 at EQ bank (or other investments as you choose), and then pay it back?

Basically a free loan if you decide to pay it back in 100 days. Rate is around 20% though if you don't...

Image

Statistics: Posted by xbournex — Nov 1st, 2017 2:27 am

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Equifax Canada - pulling one's own credit report

November 1, 2017, 7:33 am
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Every year, I make a point of pulling my credit history from both EQUIFAX and TRANSUNION just to review what kind of activity has been going on with my credit. Usually, this isn't a big deal and it gives me a chance to review whether I want to close any unused accounts, etc.

However, this year I am wondering if I should be pulling my credit information from EQUIFAX CANADA. Is there any reason not to do this given their recent data breach problems? I understand the issue was with EQUIFAX in the U.S. but thought I should post this question on RFD on case someone has some advice or suggestions that I haven't considered before doing so. My thinking is that my request to pull information about myself isn't going to change the information EQUIFAX CANADA has in my file so it wouldn't matter either way but perhaps there is some other reason for me NOT to pull my credit information from EQUIFAX CANADA.

Thanks for any comments, advice or suggestions.

Statistics: Posted by choclover — Nov 1st, 2017 10:33 am

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