Should I count CPP contributions in my savings rate per year?
Like the title says. I'm working out home much of my income I save a year, and I'm wondering how I should classify CPP. Thoughts?
View Articletax deductible mortgage
I read a thread about smith manoeuvre and it sparked some questions about my situation and I am interested in hearing peoples thoughts. My situation: Last year of residency (MD) finishing in June. Plan...
View ArticleCredit score drop off
Good day all, just checked my equifax credit score and it dropped from 719 to 628 in one month!! without missing a payment, but i did apply for and receive a new credit card. I also financed a brand...
View ArticleAnyone heard of Street Capital lenders
My broker found me a great rate at this lender but never heard of them...
View ArticleCell Phone buyout question.
I just got a new phone in Oct of last year. Im currently paying approx. $74 dollars a month. From my understanding, if I were to buy it out now, it would be a max of $400. Do I own the phone at that...
View ArticleHELOC vs 2nd mortgage vs line of credit
I need to get secure around 30k that I plan to repay in less than 3 years. However, I was wondering which option would work best in terms of paying the least amount in interest overall? What sort of...
View ArticleTFSA Withdrawal/Transfer Question
I have one TFSA with one bank and one TFSA with another bank. I'd like to move most of my TFSA funds from Bank A to Bank B. Instead of filling out a transfer request, can I just withdraw X amount of...
View Article$150 Sign up Bonus with TD
Hey guys, I was wondering if I could qualify for one of these accounts and get the $150 sign up bonus if im already a TD customer and have a chequing/savings account with him. If so, whats the best way...
View ArticleCoin Hunting. Anyone Do It?
Hey guys, I just started coin hunting for a hobby. Nothing really crazy. I've been bringing home rolls of pennies and nickels to sort at night while I watch TV. Not bad to kill some time and make a...
View ArticleQuestion about HBP withdrawal waiting period
I have a question about the Home Buyer's Plan program and the time limit for the withdrawals of funds. I know that in order to withdraw the $25k from RRSP for a new home purchase, those funds had to...
View ArticleUFile CD received in the mail... early special bonus included.
I received a 2012 UFile CD in the mail. They say if I activate it by January 31, I receive a "special bonus". Has anyone done this? What was your bonus? I don't want to activate it until I file, but...
View ArticleBMO ETF or TD E-Series
Anyone looked into which one is better for RESP? Looking on BMO website, it much easier to open a RESP account and buy the BMO ETF such as BMO Canadian Dividend ETF 0.35% MER or BMO S&P/TSX Capped...
View ArticleAdvice for finance noob in investing?
Hi I am a total noob with financial stuff and was hoping you guys could give me some advice. I have 11k dollars in my account at National Bank of Canada. I only need maximum of 4000. Could you suggest...
View ArticleWholelife Insurance
sorry guys just don't know if this is the right section to post this. i'm 36yo male (non-smoker/drinker) and in a hunt for a wholelife insurance with 100k coverage and 30yrs to pay. this is what i got...
View ArticleDuplicated gift cards in Toronto
Never knew it would actually happen in Toronto... Has anyone else experienced this kind of scam? You can read the full story below. Facebook Page https://www.facebook.com/HRcardcopy Interview with the...
View ArticleName me a few things I can outsource to a Virtual Assistant (also need advices)
Since time is gold/$$$ for many of us, I thought I'd bring this up for discussion. I also understand that there are many reliable virtual assistants (many >$8/hr) over at odesk or elance but was...
View Articletwo chequing accounts
hi, i want to open another chequing account that houses money strictly for monthly bills/rent, and another chequing account for personal expenses. at the moment, i only have a TD value plus for...
View ArticlePossible Identity Theft?
Called the bank today to allocate more $$ to RESP's etc. during the call, CIBC operator states our address. blah blah blah Burlington ON. Whaa??? we are 500kms from Burlington. Never lived even close...
View ArticleRE Crash won't be happening anytime soon.
Why? Because there are enough people who are already cautious, holding off buying. RE Crash happened in 08 because everyone thought that housing prices will go to the moon and people were leveraging...
View Article