CBS collection agency - effects of not paying?
So a few months back I sold some things on eBay, and long story short some people started messing with me and buying from my Buy It Now listings with no intention of actually buying the item, simply...
View Article5K - GOLD or RESP
Is GOLD (bars) a good place to park the funds (5K CAD to start) as savings for my little guy (10 - 12 years investment time span). I just want to be able to access the funds for really bad times...
View ArticleLife after bankruptcy???
I declared bankruptcy back in the summer of 2005. I have turned my life around since. My personal finance have been good since then. I have a steady employment record. I had 3used car loans since then...
View ArticleMutual funds vs Index Bonds
So for my TFSA this year, I bought $2500 in mutual funds, and $2500 in bonds. Now that I look at it, it seems kind of stupid. When bonds go up, mutual funds go down... and vice versa. So in the end, it...
View ArticleInvesting with Parent's money
Would you do it? My dad has a bmo investorline account, and with bmo's promotion right now, he gets 150 free trades. Since my dad does not know much about stocks or read English for that matter, he...
View ArticlePorting Cash back Mortgage Help?
Need some help with my scenario, even though the bank has explained it to me I'm still having trouble seeing it. OK so I'm porting my cashback mortgage and topping up to a higher amount because our new...
View ArticleCredit card application question
Im not sure where to put this thread. So please move if needed. My question is that, is it normal for a credit card company to mail you a rejection letter and then call you a couple days later telling...
View ArticleMedical Receipt Question - Request from CRA
Hi all, I was wondering if anybody could help with this question. My mom had dental work done (bridge) which cost several thousand. We filed it under my dad's income taxes (I can't recall exactly why,...
View ArticleGo to University or continue good paying job?
I'm 25, have only a high school education, and I'm currently making between $5000-$10000 pre-tax a month at what I do (self-employed graphic designer/3D modeler/other stuff). It's great money, but my...
View Articlereplacement card fees?
let say i hypothetically lost my credit card(i ddint), how much would it cost to get replaced from BMO? ive looked everywhere and it doesnt seem to say anything anywhere
View ArticlePayday loan
I am in a huge mess. I have been caught in a neverending cycle of 2 payday loan. A store one and a online one. The store one is 600 dollars. (I took out 500 and fee is 100). The online one is for 800 +...
View ArticleClaiming Professional Dues on Taxes
Quick question about claiming my APEGM fees for my taxes. Fully aware where to put them (including the GST portion) but I can't find any information on my scenario. Up until last year, my annual dues...
View ArticleEuro Wire Transfer
I need to spend a fairly large amount of Euros to France. TD has quoted me a crap exchange rate plus a $30 fee. Are there any other banks who provide a better rate or cheaper fee? I also hold a TD...
View ArticleYou should check your Trans Union credit rating
I just communicated with Trans Union and cannot believe how unprofessional they are. We are 2 people with the same name living in the same city. To my amazement I just learned that my credit record...
View ArticleMBNA World Mastercard "Price Protection" trick (or scam?)
I fell for their "price protection" advertisement and buy every big ticket item with this mastercard, just to find that it's almost impossible to file a claim. In the past 3 months I have filed 3...
View ArticleAccount Closed by Consumer available on CAD CR's?
I am not able to go in person to a Scotiabank branch to jump through hoops to obtain my newly issued Amex. I already had fun with them on faxing info. Unfortunately, I'm out of the country because of...
View ArticleHow to take Good Credit to Very Good/Excellent?
How can I take my current good credit rating of in the 680s on both Equifax and Transunion into Very Good/Excellent ratings of 700+? Don't have any negative things like collections on my file or late...
View ArticleAnyone heard of Global Financial?
Is this a reputable company? www.globalfinancial.ca Thanks
View ArticleMortgage Under 63k
Hello, We're getting close to the end of our current mortgage term, and will end up with approximately $63,000 left to pay. I haven't spoken to my broker yet, but I recall him saying that it will be...
View ArticleGot refused for an Amazon.ca Rewards Visa Card from Chase. Do I have a bad...
I am a student still living with my parents and have around 15k in bank. I work every summer making around 8-12k. I already have a desjardin visa card for student. I pay the whole amount I spend every...
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