Cancelling Credit Card and Re-Applying, Effect on Credit Score
Hi, I was wondering if someone knew the answer to this. If I cancel a credit card that I've been using for a year because there is a hold on my bank account and then re-apply and get the same credit...
View ArticleMaintenance Fees - Condos vs Row/Townhouse
It seems to me from looking that maintenance fees always seem to be much lower for Row/Townhouse buildings compare to Condos. This seems counter-intuitive to me - I would've thought with a larger...
View ArticleCPP Death Benefit and Taxes Has Anyone Used a T3?
Hello, I am trying to estimate how much tax one would have to pay on the full CPP Death Benefit of $2500 if one completed a T3 Trust Income Tax and Information Return with the only income being the...
View ArticleUpside down in car lease
I signed up for a bad finance agreement on my vehicle in 2010, and then an even worse one to refinance a couple months ago. I owe way more on my car than what its worth, and I just want to get out of...
View ArticleAmerican Currency Timing
Going to the states at the end of February and would like to get the best price for USD. I read it is expected to drop to 85 cents at the end of the summer. Should I purchase my USD asap or should I...
View ArticleOaken - Home Trust
Hello. Anyone is investing in Oaken - Home Trust I am thinking of investing in their GIC - "I know that they are CDIC member" however I would like the RFD input regarding their services etc.. since no...
View ArticleCan I afford it?
I really want a 2008 Dodge 4x4 I am looking at. Dealer is asking $8,999. I would like a 2005 Suzuki Quad 700 wheeler also. I really like the outdoors and both of these, or one, I would make good use...
View ArticleBest Bank to Open a TFSA Savings account with?
I read the TFSA thread and am having a hard time deciding which bank to pick a TFSA at. I am living in Toronto. I know that Peoples Trust has the best rate @ 3% but they no longer seem an attractive...
View ArticleTax question
I have a full time job and I have an online business on the side. The online business makes approximately 30k a year and I manage this from home. I use the basement and sometimes the main floor when I...
View ArticlePaypal: can't add TD USD VISA card
I checked my statement address to make sure it matches exactly. But Paypal still won't let me add the card, some BS about calling my bank even though my bank says the card's fine (I just used it today)...
View ArticleAeroplan.. good ???
RFD, Wasn't sure where to post this ---- but is Aeroplan any good now? If not what points program do you recommend and why? I currently have CIBC AeroGold and am thinking of switching to TD.
View ArticleMastercard/Visa - Extended Warranty
Do all Mastercard and Visa cards offer extended warranties on purchases made through their cards. How does it work? Thanks
View ArticleIs it mandatory for employer to withhold payroll tax?
I know you have to pay EI and CPP contributions, but if I do my own taxes, can I request that my employer not withhold federal tax? Is it possible for me to pay the federal tax on my own, when I do my...
View ArticleMortgage married couple one name only
Hi, My wife and I are renewing our mortgage soon and I was told at the bank that I could have the mortgage in my name only if I wanted to (based on income, debt ratio, etc). Is there any advantage to...
View ArticleLawsuit settlement proceeds
I recently settled a lawsuit for product liability in which the agreed-upon settlement was for actual proven damages (the cost of repair), plus a component for degradation of and loss of use of the...
View ArticleTFSA - Investing/Savings
What do you with your TFSA? Currently mine are just in ING doing a small 1.4% interest. Can you invest TFSA into mutual funds and such? I'm a beginner in all this stock stuff (lower then beginner...
View Article$6500 TFSA or $10000 RRSP
Hi All, Just a quick question, according to my accountant I am getting about $6500 refund for 2013 and if I buy $10000 RRSP I will get back around $10000. So my question is should I just get $6500 and...
View ArticleUnauthorized Access + Distribution of Account & Personal Info
Not sure which form to put this in, but this might seem appropriate since it relates to the topic of unauthorized access to account, and distribution of personal information. One of my relatives that I...
View ArticleCan we get Scotia Gold Amex card with 300 travel voucher if not received...
As the title states is this possible? can we just say we received something in the mail and will accept that or is there a code on the preapproval pamphlet that was sent out? thanks
View ArticleNo Bouns interest if I have a TFSA transfered from TFSA Kick Start Account...
Hi All; I had a TFSA Kick Start Account at the end of last year and I have a TFSA in ING Direct as well, but there was no money in the TFSA since 30 Dec 2013. I also opened another TFSA on 1st Jan 2014...
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