Having multiple credit cards?
DO you guys have multiple credit cards to make different type of purchases? I currently have an RBC platinum Avion card.. but I don't think the rewards are too good so I am thinking of switching....
View Article2 yr fixed closed mortgage (2.690%)
Not certain if a 2 year term makes sense but my renewal included a 2 yr fixed closed - 2.690% and I was wondering if that was a good value. For those of you getting a mortgage what length of term have...
View ArticleBMO Coin Counters
Just a heads up.. In the last few months BMO has started charging 8% on anything over $250..whether you are a customer or not....
View ArticleOSAP and Mortgage question
Hi, Was wondering if my partner and I was to get married and she is hold 30K of OSAP debt, will that impact me getting a bigger mortgage loan? Reason for the bigger mortgage loan is because I want to...
View ArticleDonations - how much % of your income do you donate?
What % of your income do you give to registered charities? How did you arrive at that amount? Is there a tax efficient amount? http://www.cra-arc.gc.ca/chrts-gvng/...lmng1-eng.html I know about the...
View ArticlePrice of Gas and Heat this Winter
Candians can expect to pay more for gas and heat this winter: http://www.financialpost.com/m/wp/ne...his-winter-neb
View ArticleMortgage Dilemma - Broker vs. Bank
Hi All, I have a bit of a dilemma on my hands, probably more moral than anything. I'll try to keep it brief. -Bought a new construction house in Feb, put deposit down then. House closes this December....
View ArticleHome Insurance
My Home Insurance is comming to renew. My insurance company uses the blanket amount, and my blacket ammount is $680,000 based on a reconstruction cost of $340,000. (the websiet description: The blanket...
View ArticleTD Meloche Monnex for home insurance
We switched our home insurance to TD Meloche Monnex a few years back and recently received our renewal information from them. It appears that our home premium is increasing by 11% over last year. As a...
View ArticleObtaining a credit card for newcomer to Canada
I did a search for 'Collateral' but nothing of use came up so apologies if i am covering old ground. I arrived in mid October and have been employed from Day 1. I bank with BMO and today applied for a...
View ArticleCRM Canada - my closed account - I'm screwed
Here's my scenario! I had a collection account added to my Credit Bureau in Oct for $1840.00. I seen the item and Called the Collection Agency right away so I could take are of it. On the phone, I...
View ArticleOSAP Repayment Lowdown
Hi there: I am posting this thread so that I may gain some insight on personal finance with regard to OSAP repayment plans and any help would be much appreciated. I have worked consistently throughout...
View ArticleLabor: Tax the rich, don't touch safety nets
Public Union Labor IS the rich. All the new expensive boats are owned by retired public union people with 2 and 3 pensions down at the marina. They are all millionaires living in gated communities. I...
View ArticleHow much can you save?
I thought I would post a new thread being a newbie to this. There seems to be a diary for getting out of debt, and clearing your mortgage, but not one for the amount you can save to put towards...
View ArticleHow to withdraw from TD Waterhouse TFSA?
I have about $30K in my TD Waterhouse TFSA trading account, and I want to take it out to use as down payment on a house. What is the steps to withdrawing that amount out? I use TD's Webbroker, and on...
View ArticleNoob On Credit Cards Benefits
Well I am kind of a noob when it really comes to rewards on credit cards and just realized the benefis after ready threads on different credit cards with cash back etc. Currently I believe I have 3...
View ArticleReal Property Report
Hello RFD, I am new to posting so please guide me if I break any etiquette. I have a question and almost always rely on the wealth of knowledge within this forum no matter what the subject. So here's...
View Articlewill they cancel my cc
I just got my td gold elite cc for auto club purpose. If don't use it after active, will they cancel my cc? thanks,
View ArticleSelf Directed RRSP - Recommendations - Tired of Edward Jones Fees!
I used to have by RRSP with BMO Nesbitt Burns, they did nothing for me so I changed to Edward Jones and I find the fees just too much. I want to just manage my own RRSP. Any recommendations. It would...
View ArticleAre there ANY decent BMO credit cards?!?!
I've had a BMO Airmiles MC (no fee) for well over 15 years now. I'd like to keep this account active and rolling, as it's my longest standing CC and I've heard that will help my credit score. To...
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