Called in to change CIBC Aerogold Visa to CIBC Dividend Visa..CSR messed...
...and now I have both accounts open with 5k available on each... Can anything be done in this situation as I clearly stated I would like to switch from Aerogold to Dividend to avoid the yearly fee?...
View ArticleWhat to Do with $5000??? Student
Hi, I'm a student going into first year university. I have about $5000 laying around and I would like to invest with it. Any ideas?
View ArticleToo paranoid about an un-authorized credit card authorization?
I have an MBNA Smartcash World CC that I used for gas and groceries. I went to check it online this morning and noticed a 1.00 authorization from a CVS Pharmacy in Michigan (I live in BC). I thought it...
View ArticleCompany Pension : What happens when you leave?
My company has a good pension plan. Yearly pension adjustment is around 15k. This gives me a little RRSP window. Now if I leave the company, Is there a way to move the pension to my RRSP? Is there a...
View Articleanyone use ebay still? change your registered address
I'd really prefer not to post this thread under personal finance as it won't get as much attention. But anyone use eBay still? I've done about 50 purchases since 2005...but recently I spent under $700...
View ArticleDo you actually make and follow a budget?
I don't think I've ever made a budget. I simply just try to keep upkeep costs low and if there's a good deal, then I wouldn't hesitate to spend. For example, this month: $2100 Vacation (already planned...
View ArticleXE vs Custom House
I am considering opening an account with xe.com. However, I was told that xe.com is just a subsidiary of Custom House and that it's better to cut the middleman? Can someone shed some light on this?
View ArticleHow long does it take equifax to update report?
I opened a cell phone account today and the rep wasnt sure if they did a credit check since I already had a line with that company. I checked my equifax score later on that day and nothing showed up....
View Articlembna world elite mastercard application
I filled out the application and a quick screen said that they will contact me by mail within 30 days... I thought the approval was instant? My score is good and I was wondering if everyone gets that...
View ArticleWanted: No fee 1%-back-card with insurances
Wanted: MasterCard or Visa card, no fee, not from Chase (unreliable due to frequent refuses), with at least 1% return (i.e. no cap under 50k, no "up to 1% tiers" or minimum spend requirements please)....
View ArticleGetting turned down for a credit card due to many applications
Seeing as many people here seem to make multiple credit card applications in short amounts of times, I would suppose it has happened to some. Has this ever happened to you? Or on the other hand, have...
View ArticleBest approach - First time home buyer's plan
Hi everyone, I currently have most of my savings in a traditional savings account with ING. I would like to buy a home within the year, and would like to take advantage of the HBP. I'm thinking about...
View ArticleBest credit card for $150-450 monthly spend, mostly on groceries?
Currently using MBNA SmartCash World Mastercard. Getting 2% cashback on groceries (and gas but I don't drive so useless), 1% cashback on everything else. Could I be doing better? I average about $300...
View Articlegrocery budget for family of 4
I am trying to come up with a monthly budget for groceries. There are 2 adults and 2 boys ages 14 and 12. How much do you spend on groceries? What do you feel would be a reasonable amount? We have no...
View ArticlePlanning to buy a condo
How much of a down payment do you need to purchase a condo for let's say about 130000. Also is it possible to get a mortgage for this? And also need advice if its worth to pay $620 maintenance fee per...
View ArticleHaving a long history with your bank: how important is it these days?
Background: I'm Australian and moved to Canada about 18 months ago. When I first got here, I opened an account with RBC where the rep told me it was important to build a relationship with a bank,...
View ArticleMBNA too paranoid?
Today, I went to another city, used my SC to buy a meal. When I wanted to make another purchase, it said that my PIN was incorrect. I am 100% SURE that I typed in the correct PIN, however, it did not...
View ArticleCIBC Visa Monthly Payment Question
I currently have a standard Visa with CIBC and my credit limit is $2500. I made a large purchase that reached $1000 and my amount owing is now approximately $1300. On my monthly statement, it shows...
View ArticleRESP and Additional CESG and CLB
If the main RESP is with TD E-Series, can you open a separate account with TD bank if you're eligible for the additional CESG and CLB grants? And do you have to put any money into the bank account, or...
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