ING should be using Scotia ATM's later this year!
One of the main problems with ING is the lack of free ATM's. Scotia bought ING Canada and they have ATM's in many 7-11's all over Canada. People are very hesitant in using ATM's at night if they're in...
View ArticleQuestion about Smart Cash rewards points
Apologize in advance if this is a stupid question but does anyone know the "value" of a single point? I cant find any documentation on their rewards system. I know they send you a cheque when you reach...
View ArticleQuestion only - Capital One Aspire Mastercard with RedFlag
Capital One Aspire used to offer 50000 points with Redflag vs. the regular 35000 points, when will this be available again?
View ArticleCashback credit card comparison
Hello fellow RFDers i did a bit of research and im thinking about getting a cashback credit card to replace my mbna smart cash. So far, the best one i think its the Scotia Bank momentum VISA infinite....
View ArticleOntario to toughen payday loan laws effective Feb. 15
Ontario’s Ministry of Consumer Services will expand the Payday Loan Act to cover lines of credit that Cash Store/Instaloan introduced last Feb (apparently to skirt existing rules). The new rules will...
View Articleemail transfer money to any bank account for free?
I currently do my personal banking through TD.. I can transfer money to anyone with a TD account at no charge, but if I want to transfer money to somebody else, I have to use either Interac e-transfer...
View ArticleTravel rewards card: Upgrade current or apply for new?
I currently have an RBC Gold rewards card ($4000 limit, my first CC) never redeemed a reward. I'd like a travel rewards card but I don't know if I should upgrade my current card to Avion and transfer...
View ArticleEquity/Index Powered GIC
What are your thoughts on these types of GIC's? Some of them offer up to 20% on 5 year terms, is buying your own index funds a better option? Pros and Cons? Thanks!
View ArticleWhats the best way to upgrade a Credit card.
My wife has had a Scotiabank value visa for about 10 years. She uses this card for travel expenses due to work and we have realized that we are missing out on rewards. So she called to upgrade it to...
View ArticleRBC Visa Gift Card - declined everywhere
My wife was given a RBC Visa Gift card. I tried to use it at a few retailers but it always get declined. - I asked the retailer to split the transaction so I can use the full balance on the Vsia gift...
View ArticleDonations
Say I wrote a cheque in 2013, but it was cashed in 2014... in what year do I claim it? Thanks
View ArticleING Direct 2.5% interest until April 30th, 2014 on new deposits into TFSA and...
Earn 2.50% interest until April 30, 2014 on new deposits you make to a Tax-Free Investment Savings Account (TFSA) by March 31, 2014. Right now, get a $25 Bonus when you become a new Client and open a...
View ArticleBest reward Credit cards
Best reward Credit cards Which one do you prefer cash back, point, air miles etc
View ArticleTop safe haven investments for US $ ?
Looking to lock $100k US for ~5yr principle gauranteed. Any recommendations?
View ArticleI love RRSPs!
I put $13,600 in my RRSP I'm getting a $5,500 tax return this year and then I'm going to be travelling / moving and not working for a year so I'll take out the money then and pay basically no tax on...
View ArticleOffline finance management app
Hi, I have been using mint for past 2 years or so to keep track of my finances. I am thinking of moving to an offline ( prolly would require some manual approach) and stop using mint. Any apps that you...
View ArticleHow to find the merchant category code of any store
A lot of reward cards we all use give bonus reward levels for certain categories of merchants... like Groceries - code 5411 Drug Stores - code 5912 Entertainment - code 7832 / 7922 / 7929 Restaurants -...
View ArticleRates increasing every year... Time to change Home Insurance provider?
Hey I would appreciate some insight. My parents own a single detached home in Richmond and have home insurance coverage with Wawanesa and their yearly rate has been increasing every year. No claims...
View ArticleNew home buyers
Hey guys, I have a question about new home buyer credit. So there is a tax credit of $2000 for the land transfer tax or new home buyers. Is it possible for both people to claim $2000 or is $2000 a max...
View ArticleRRSP Gross Up Strategy
I wanted to get thoughts on this technique. Simple enough, consider a hypothetical scenario; So say you only have 10K of cash to contribute to your RRSP on a given year, and assume you have a lot of...
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