How Jim Flaherty Helped Create Housing Debt Crisis
Did you know that Jim Flaherty actually created 40 year mortgages with 0% down in Canada in his 2006 budget? The news media ignored that all Jim Flaherty is doing is REVERSING the very rules he created...
View ArticleSending money between my US and Canadian Paypal accounts?
Anyway to send money between my US and Canadian Paypal accounts and not get dinged the 2.9% transaction fee? I’m not sure if labeling the payment as a gift will skirt this transaction fee. Also, if I...
View ArticleMortgage on new RTM House
I am getting an RTM house built and i have already went with RBC for the mortgage. They are offering a rate of 3.29% 5 year fixed or a rate of 3.79% 7 year fixed. I am not sure what is going to be the...
View ArticleWould you ever borrow from HELOC account to Invest into RRSP or other stocks
Hi Everyone, If you have HELOC account with your mortgage, would you ever borrow from HELOC account for investment purposes? I have HELOC account with my rental property and I was thinking if I borrow...
View ArticleMortgage and RRSP question
We have been paying our mortgage off pretty quickly with increased payments and lump sum. The current amount is $175 000 and we have 18 months left on our current 5 year term @ 4.35%. We never seem to...
View ArticleEFT's Between Different Banks
Hi all, I'm wondering if anybody else has encountered this situation: I'm looking to set up a new account (HELOC) at TD and was inquiring about linking my account to my other non-TD bank account so...
View ArticleI'm nervously wanting a rewards credit card, but I'm worried about the...
I canceled my credit card a few years back. I tended to carry a balance and I realize that. However, I am starting to want a credit card to pay for my gas and various purchases I would make throughout...
View ArticleNeed to transfer 4k to Thai bank account
Hi, Need to transfer 4k to a thai bank account, anyone know the best, most secure/cheapest method? Cheers, Nyd
View Articlejust opened an RRSP account with TD
hey guys/girls, I opened a mutual fund RRSP ($500, $50 PPP) in the afternoon and I wanted to know If i made the right choice. I am 23 years old, and I just started my career (RN nurse). The TD rep...
View ArticleWill Negotiating the Salary Breaks the Job Offer?
Hello All. I just received a job offer by email today with a very detailed information about the terms and conditions. For reference, I am still considered a newly grad since I have only 1-2 years of...
View ArticleHousing and Condo Market can only GO UP
Hello All; I think we need a legitimate thread on house/condo market, it can only go up. I think the fundamentals are very strong in Canada, not only Toronto/Vancouver, but Canada in its entirety....
View ArticleLots of accounts how to divvy up investments
I have the following accounts: RSP, RESP, TFSA, Trading My wife: Trading, RSP, TFSA, SRSP Here's my plan: Since the market tends to tank after I buy something I plan on doing initial buys in the normal...
View ArticleTransferring $ out of ing thrive
I noticed there are two ways to transfer money out of ing thrive Transfer (allows me to select my linked account) Electronic money transfer (the free version) What are the differences between the 2 and...
View ArticleFree Visa debit cards through TD, CIBC, other banks
Hi all, Sorry if I'm re-posting old news, but I just discovered that TD Canada Trust, CIBC and several other financial institutions have introduced free Visa debit cards. However, they don't seem to be...
View ArticleSCAM sun life financial
don't know if others got this sun life financial accidental death insurance? I already have life insurance so what is the difference if i die from natural causes and die from an accident? dead is dead...
View Articlebuilding credit with no debt.
I have zero debt and I am looking at building up my credit. Is there anyway to do this without increasing my income? Should I just take out a loan and pay it off over 6 months?
View ArticleTFSA Interest
I have had $10,000 in my TFSA for the past 6 months. The interest rate is 2%, every month I get about $16 and change in interest. I expect to receive $20 a month in interest. The bank says that their...
View ArticleWhat to know going into a "I need a loan from the bank" situation?
Hello everyone, thank you taking time to read the post. Long story short, I have 36k of student loan to pay back and it's time to start the payments (womp womp). OSAP is giving me prime + 2.5 (5.5%) at...
View ArticleMBNA + 2ndary Billing Address
I posted this in the Smart Cash thread but didn't get a response. How are you guys making purchases US online outlets/using US Paypal?? With my RBC Visa I could add a secondary billing address to have...
View ArticleTd E Series
I know there have been many posts in regards to td eSeries investing but I'm unsure if it would be worthwhile to change my current TFSA to eSeries. Currently I invest monthly (only 100$/month at the...
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