Transferring over $10,000 from one bank to another online. Safe?
Hello all, I would like to take advantage of PC Financial's 2.6% bonus interest promotion. So, I have quite a large sum of money sitting in my People's Trust account and I have link my two account...
View ArticleHave 2 visa, should I switch one to a MasterCard?
I only have two credit cards and use one for the rewards and the other is just an old card. I was thinking of switching it to MasterCard to have both but, should I bother? I still don't plan on using...
View ArticleYoung adult need financial advice
Hi, I was hoping to get some advice from the money smart users on this forum. Here is my situation: Self employed 23 years old Own a condo purchased at 350k (200k mortgage / 150k downpayment) currently...
View ArticleCalculating capital gains from US stock sales
Hi, i was wondering how i should calculate the capital gains, should i include the exchange rate if i have a US dollar trading account thus the currency stays US? Or would i have to convert the...
View ArticleTFSA Question
Hello everyone. I opened a TFSA account for the first time this year. How much can I contribute this year? I believe it's $5,000 per year but I assume I can contribute more this year since I haven't in...
View ArticleBanked Time vs. Paid Overtime - Which is better in my situation?
Hello. A little background: My company has a policy that every employee must have 80 hours of banked time before they are paid for any additional work done. Time is banked at a straight 1:1 ratio - as...
View ArticleHigh Cost Mutual Fund Transfer
Hello - I currently have 2 RRSPS. 1) Company-matching RRSP with Sunlife. Unfortunately the fees for these mutual funds are high but I contribute up to the matching amount. 2) TD E-Series RRSP. These...
View ArticleIssues trying to log into RBC direct investing :(
Guys I am having so much grief trying to log into my RBC account here. Tried Chrome, Explorer and Firefox. Keeps telling me I have an error when I sign in. Tried to send a secure email to them and it...
View ArticleTransferring money from parents to son from a sale of a primary residence
Hey guys, Just a quick question for all you tax lawyers and accountants. If my parents are to receive money from the sale of a primary residence, and they would like to transfer some of the money to my...
View ArticleI feel my social and private information has been compromised
While dealing with an emotional family situation I received a call from the "Canada revenue agency audit department", and Long story short, I feel that I was stupid enough to give my personal info...
View ArticleING planning mobile cheque deposit
http://www.canadianbusiness.com/busi...by-smartphone/ Quote: Canadians finally getting mobile tool to cash cheques by smartphone ...Central 1 Credit Union, a trade association representing dozens of...
View ArticleNegotiating HELOC rate with ING
Hello, Has anyone been able to successfully negotiate HELOC rate with ING? It is Prime + 0.65% (for some odd reason it is not the typical 0.5%). Has anyone been able to talk to ING and get this moved...
View ArticleTFSA for new Immigrants
If a new immigrant landed in Canada on June 2012, how much can he/she put in to the TFSA on this year, 2013? Thanks!
View ArticleCredit Card Expiry
My card is expiring 05/13 will they be sending me a new one or do I have to call and ask? I use this card daily for business and can't have any delay.
View ArticleNo Medical Life Insurance Recommendations?
My dad just turned 50 and wants to purchase term-life insurance. He isn't very computer savvy so he's asked me to help him out. He has an extensive family history of heart issues. He has a history of...
View Articlewhat program did you guys use for the tax report ?
Any suggestion for the tax report program which is easy to use ? do you think it's worth to spend a $29 turbo tax program and why ?
View ArticleRBC bank error? Or am i thinking too much?
On April 14th this month I went to RBC branch drive through machine and deposited $550 cash towards my Visa card. I have RBC savings account and RBC Visa. I used my client card to log into my account...
View ArticleWill this mean higher mortgage rates sooner rather than later?
Good for bank (deposit taking financial institutions) shareholders for sure. Not so good for the rest of the lenders though. New rules may threaten mortgage-backed ABCP...
View ArticleBuying a home with one income
So I'm looking for a place to buy as a first time home buyer. I am single and doubt the situation will be changing any time soon. I am self employed and pay myself a salary equalling 36K a year. I have...
View ArticleExchanging Petro-Points into Sears Club Points
Hi everyone, I'm trying to exchange Petro-Points into Sears Club Points and it doesn't seem to work. I've tried online first on petro-canada.ca and the Sears account was not accepted. I've called...
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