Time to switch my BMO SPC MasterCard
So I've had the BMO SPC MasterCard for the last few years (2-3 years) and I feel the rewards arn't worth it. I get to use SPC at many retailers (but I can get an SPC card for free online anyways so it...
View ArticleRuling on Visa, MasterCard practices may prove costly for consumers (G&M)
http://www.theglobeandmail.com/repor...ticle13333094/ Quote: A ruling expected this week on a complaint against Visa and MasterCard could significantly change how consumers use credit cards in Canada....
View ArticleBridge Financing - how to calculate?
Looking for the formula to calculate a bridge mortgage. Google has a couple variations. Also, TD is offering prime + 2% (5% total). Is this the going rate or should I be asking for better? Thanks.
View ArticleElectricity Bills too high (Ontario)... any ideas for saving?
Just received my latest bill: $420 for two months and just wondering if this is in line with what other people spend. I'm on track to spend about $2300 a year. It's a modern 2300 sq. ft. home with gas...
View ArticlePerforming Credit Checks on Potential Tenants (Quebec)
This is probably not the correct place to post this...(What section of RFDs should this go? Home and Garden?) Anyway... My in-laws have purchased a Rental property a little over a month ago and have...
View ArticleLooking for a new bank (BMO AND DESJARDINS SUCKS) is there good alternatives?
been customer with BANQUE OF MONTREAL for 3 years without a problem , everyone friendly and all , Until 2 weeks ago , i call the customer service i just ask them i have this guy on kijiji he wants to...
View ArticleWhich portfolio manager do you recommend?
Hi guys, I have 50+ stocks in my portfolio. It is PAIN to check the earning release date for each stock one by one in Yahoo Finance. Is there a portfolio manager that can sort the stocks by earning...
View ArticleDLR.U Question
Hi, so I recently bought 45k worth of DLR and journaled it over to DLR.U. Now, as far as I understand, DLR.U is just USD and should be trading at around 10$. However, it is now at 9.96, and I saw that...
View ArticleSelf-directed RESP - Anything I should look out for?
My daughter is 9 months old now and I am considering starting an RESP for her. I think I don't want one of those pooled ones, given all the horror stories I've heard, and would be happy going with a...
View ArticleExtra Cash, what to do?
I'm in my 20s with no debt and I've been saving for about 2 years now. I have excess cash that I don't know what to do with besides putting it in my savings account. Should I try investing? TFSA?...
View Articleis the CIBC Dividend Unlimited Elite card the only card that offers purchase...
Is the CIBC Dividend Unlimited elite card the only card to offer the purchase security for 180 days? most other card I have seen only offer it for 90 days or 120 days. Also their extended warranty...
View ArticleMBNA Smart Cash Mastercard (Canada)
Hello PF, The MBNA smart cash card requires a minimum income of $30,000, however, I do not meet this income as I am currently a student. Since I am eligible to receive financial aid (OSAP) and a...
View ArticleAeroplan: Am I doing it wrong?
I picked up 15,000 aeroplan points by accepting a pre-approved upgrade from a Dividend Visa to a CIBC Aerogold (fee waived). It said "good for one short haul flight" in the promo. How in the world do...
View ArticleFuture Value Financing at 0%
Hi guys, I've read a few threads about future value financing but didn't quite get the answer I needed. I was looking to purchase a new family car and Kia has a 0% future value financing available for...
View Article2 bedroom, taking in a third tenant
Hello, I am currently splitting rent with a roommate. Rent is $1450 for a 2 bedroom, 1 bathroom. Recently, my roommate found a third person to room with her. Basically, it's me in one room, and the two...
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Statistical mirages (applicable to RE prices and stock market)
The term statistical mirage has been used on this forum and largely contested as existing or being real. The below apply equally to Stock Markets and RE. MODS please ignore the requests to close the...
View Articlebeing reviewed for public transit amount CRA
Received a letter from the CRA, they are reviewing my public transit amount. a few questions: 1)any one have done this before? 2)the amount that is being reviewed is $1500. is that an amount I should...
View Article50000 USD (and must stay USD) for 1 year, where to?
So I now have 50000 USD which I need to park somewhere for 1 year, until we move to US. I will need it once we move to open a business. I also have emergency funds in CDN for this year Where should I...
View ArticleBest online banking
I am now with HSBC but I am tired of their banking system, like banking in 1999 all over. Anyway I want to switch banks I am thinking ING Direct or PC, but can't really find their online banking...
View ArticleCanadian Citizen & US Greencard Holder Tax Question
Hello, so I have a question for a hypothetical scenario; If i am a Canadian citizenship with a US greencard holder with a US trading account registered in the US. But I live in Canada. Do i have to...
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