Help me choosing a credit card.
I cut between cash back or rewards. It would seem most rewards give you less than a 1% return i.e 1RBC point=1 dollar spent. As I am a student my credit isnt good enough for the high rewarding travel...
View ArticleDo you consider loss of a gain as a loss?
For example, if you were going to buy 100 shares of stock X for $10 a share ($1000). Just as you were about to fill your order, your internet broke down. When your Internet came back up again, the...
View ArticleAlmost debt free... now what?
I've been thinking about what to do next and I'm a little at a loss. Wondering if people had some feedback on this. Age: 31 with one of those stable fed. gov't gigs that has a "pension for life"...
View ArticleBad Realtors
I've been searching for my first house. It seems that more than half of realtors for the vendor that I contact are either incompetent or just don't care. Probably half of my emails asking one or two...
View ArticleTD Future Builder - HBP Withdrawal (where is the money) ?
I requested to withdraw funds from the RSP for HBP from TD future builder to ING. Online portal for TD FB shows that the funds were taken out as of May.21 and they still haven't reached the destination...
View ArticleLife insurance provider
At the risk of getting a slew of RFDers offering up their own services, I was just hoping to get some names / company names in the Ottawa area with good reputations and reasonable rates for a life...
View ArticleDebt paid off early... invest or save?
So I've been fairly fortunate in my finances that most of my debts are paid off or close to being paid off... Looking for advice on what to do next? Been working sales job with fairly lucrative...
View ArticleLooking for Investment Advice
Hey everyone! I'm brand new to red flag deals- I've been a fan reading the forum for a while but only recently decided to join and post. I am looking for advice on my personal finance situation. I'll...
View ArticleBareland condo - Homeowner or condominium insurance?
I got mixed messages on this one: We own a bareland condo/ duplex, with condo fees covering "all risk" insurance on structure replacement and common property. We have been advised by our condo board...
View ArticlePrivate Mortgage lenders vs Mortgage from banks?
Good morning everyone, I'm buying my first home and would like some clarification on private mortgage lenders vs a mortgage from a bank. Ive gone through a mortgage broker at BLM Canada. The broker...
View ArticleCredit Cards on Credit Report
Not sure but getting some conflicting advice. Had a person at the bank tell me the other day that if you have credit cards, even with no balance it doesn't look good for your credit score. is this...
View ArticlePaying off mortgage early on rental property
I've been told that you shouldn't pay off a rental property's mortgage as fast as possible (for various reasons: tax purposes, keeping income close to 0). I didn't understand the rational behind this....
View ArticleQuestion about the AMEX Choice Plus Card
Hey Guys, Just got my Choice Plus Card in the mail and I am selecting my 5 places to get the bonus points at. They listed Apple as an option, does "Apple" include purchases made on the iTunes/App...
View ArticleHaving problems with Virgin Mobile - they want to send me to Collections
I need an advice on the following situation. At the beginning of April 2013 I closed a cell phone account with Virgin . I spoke with them at that time to ask how much will be my last bill so I can pay...
View ArticleMBNA 1% Cash Loan to pay off OSAP???
I have OSAP debt that is charging me 5% interest. My credit card company is offering me 10K at 1% for the first year. So I'd like to take this 10K and pay off my OSAP. Would only making the minimum...
View ArticleCIBC keep pushing their VISA Debit Card
Is CIBC trying to make a few bucks by sending their customers their VISA Debit Card instead of the regular Debit Card? My debit card expires and CIBC sends me a VISA debit card instead of the regular...
View ArticleFirst Time Home Buyer: Help With Questions I Have
I am a first time home buyer, I will provide some details and I have a few questions of what I need to know/look out for. Thanks. I am purchasing a $260,000 home and have a $60,000 down payment....
View Articledeclined for a consolidated loan - any other options?
Very upset. I have many debt Canadian Tire 3K maxed out The Bay 270$/300$ Capital One: 900$/1000$ BMO Gold: 2200$/2500@ Car loan: 4500$ left 360$ a month payment 2 RSP Loan: 11K total My Beacon score...
View ArticleCredit Card for travelling to Europe for a month? Goal: minimize fees
I currently have a MBNA SmartCash card and from what I've been reading about canadian credit cards in general, they'd charge a fee (2.5-3.5% of the total transaction from what I understand?) I wanted...
View ArticleSold house when do you get your money?
Just wondering I am closing next Friday on a house. How does the lawyer usually pay? If it's by cheque can I pick it up on the day of closing?
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