Credit card details stolen : Suggestions welcomed!
Hey guys, I got a call yesterday evening at home landline from my credit card's "fraud prevention" division saying they wanted to speak to me. I came very late yesterday and only checked that voice...
View ArticleNew Credit Card
I currently have a CIBC Visa Classic credit card that's going to expire but I don't want to renew it. I'm looking to get a different credit card and I'd like some advice on choosing which one. Some of...
View ArticleHow common is it for people to use Interac Email Money Transfers for online...
How common is it for people to use Interac Email Money Transfers for online shopping vs credit cards?
View ArticleDebt Collector calling my number, but name is completely different
I've had a particular phone number for close to two years now, and have not received any types of these calls before. More than a month ago, I pulled my credit report/credit score (which is in the 800...
View ArticleRRSP - January February Contributions
Hello Everyone, I just started working in Canada mid last year (2012). Lets say last year (2012 income) I accumulated RRSP contribution room of 6K and by 31st December 2013 I will have contributed...
View ArticleCan I still get osap?
I have always been able to pay cash for my schooling each year. This time around I didn't have the money and was in a crunch. I quickly went to my credit card to pay it. Now it's winter vacation and I...
View ArticleCreate a company that offers short selling homes?
So many real estate bears that are predicting a housing crash. I might as well try to profit from them. Here is what my company will do: Allow homeowners to put up their house to be "borrowed". The...
View ArticleDoes supplmentary card holders get hard credit check?
Just wondering if supplementary card holders will get a hard credit check when primary users add them to their account? I recall adding Capital one supplementary, it was pretty fast and does not look...
View ArticleQuestion about max grant in a year on RESP contribution
As I understand one can only receive a max. CESG of $1000 in a year. So how would it work out in my case as I had contributed $5000 in Dec 2012 and received a grant of $1000 in Jan. 2013 Am I maxed out...
View ArticleSecurity Freeze for CR: Time for provinces to implement w/ community mail boxes?
Since Canada Post is forcing community mail boxes in the urban areas, why hasn't Canada's provinces adopted security freezes for consumer credit report pulls -...
View ArticleHigh interest rate with free online bill payments?
I was going down the list of high interest savings account options and could not find any that offered free online bill payments, and it seems like most charge either 50 cents or $1 per online bill...
View ArticleAnnual portfolio growth assumption
Curious what annual growth rate for their nest egg (RRSP, TFSA, nonregistered investment account) people use for their financial planning. To make this reasonably comparable: - Inflation-adjusted...
View ArticleIs it worth refinancing a mortgage over a longer term to pay off debt?
I'm 4.5 years into a 5 year mortgage term (25yr amortization) on my house. I also have accumulated $20k in personal debt (credit card, line of credit) that I really want to pay off. My goal is to sell...
View ArticleCancelling CC right after approval..
I applied for the MBNA SC, which was approved. Today, I read about the cap on the max return one can get from it (it's nowhere in the legal disclosure, or on the website.) I found an Amex that I like...
View ArticleTax Planning for Retirement in Canada
Hey all, I'm trying to help my mother with an investment strategy. 70 years old. I used to post here, but now work in finance in the US and I know nothing about the Canadian system so I was wondering...
View ArticleRecommend 3 ETFs to buy for long-term growth ($10,000)
I am new to the world of ETFs, and want to get my feet wet by investing $10k, with a long term mindset (5-10 years). What are some good options? I'm OK with high-risk ETFs, as long as you believe there...
View ArticleWhy is cp24 (Toronto) showing infomercials that poses as news show?
So i'm trying to watch CP24 at midnight on a Sunday (technically). Instead of seeing news on the storm, traffic conditions, etc. I see a "this program is not endorsed by CP24" infomercial on montages...
View ArticleUS Credit Card For Canadians
Are there any solutions out there where one can get a US$ credit card, and activate unlimited supplementary cards (or at least 10+)? I'm looking for a solution that allows me to use each card as its...
View ArticleLife Insurance for Alberta Engineers
Hello! My husband and I want to look into life insurance for him. He is a member of APEGGA. We were wondering if any of you have good recommendations for life insurance based on your...
View ArticleUS Banks vs Canadian Banks (Employees)
I've had accounts in the US at Bank of America, Citi, and Charles Schwab. In Canada I've dealt with CIBC and TD Waterhouse. In my experience the level of competence with the US institutions is far...
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