How difficult to get an ITIN for Canadians?
Individual Taxpayer Identification Number (ITIN) seems to open a lot of doors in the financial world for Canadians wanting to invest in the US. Is it difficult to acquire? Suggestions?
View ArticleBest ATM card for international travel?
This is for travel outside of the US and Canada. Many banks in Canada charge: Transaction Fee $5 Foreign Exchange Fee 2.5% ING is better as the transaction fee is $2 and there's no foreign exchange...
View ArticleHas anyone had mail go missing in the Canada Post system?
I started noticing that some of my mail was going missing in November 2011 as I was missing certain mail that I knew I should be receiving. At the same time, I was receiving plenty of mail for...
View ArticleExchange rate?
Does anyone have experience exchanging USD to CAD with TD/CIBC. If I have $100 in a US$ bank account with CIBC and want to change it into Canadian and the current exchange rate is $1:1 will I get the...
View ArticleNeed a new debit card again!!!
(in the end in happy the bank takes these matters seriously) I am now on card 17 I'm sure both of these things have happened to most of you Probably 5 of the cards the stripe would break off the card...
View ArticleInvestment advice.
I just recieved my OSAP...I have approx $2000 to invest. (I paid off my courses through my own work ahead of time due to OSAP being delayed) How would you invest it...what are the best options. Short...
View ArticleWhen will the economy finally get back to normal?
When will the economy finally improve ? It seems like since 2008, things haven't gotten back to normal. I am talking about both north America in general. Unemployment may have come down but GDP growth...
View Articlerrsp question
If you have a company pension plan (rrsp) at work, do you use the jan-feb 2013 rrsp amounts for the 2012 tax return or do you defer to the 2013 tax return. I will wait till I get the official paper...
View ArticleMy BMO card was compromised
I found out my credit card was compromised this morning. I had received a voice mail on my cellphone from BMO fraud yesterday, I thought this was a scam message so ignored it. I decided to check my...
View ArticleDo Medical Deductions For Taxes Rollover?
Hi I have some medical expenses but I think this year I won't have enough to meet the minimum amount needed. Can I save them for future years?
View ArticleFirst time buyer couple starting look. What do I need to know?
Hi Everyone, we're starting to look for our first property, we've been renting about a decade. I've gotten pre-approval for a mortgage in the 500k range from TD at 3.19% per year, 5 year term, though...
View Articlequalified financial advisers?
I know this guy through my spouse, and she heard it from her friends about the types of service he offer. He could do the following for you at a cheap price: Personal income tax filing Application for...
View ArticleCan I Throw away 2006 Tax Records?
Hi I have some tax records from 2005 and 2006. I know for sure I can get rid of 2005 but not sure about 2006. They say 6 years but not sure since you do 2006 record in 2007 so that could change the...
View ArticleGoogle Adsense earnings - Tax time
Anyone on here make money from Google Adsense? How does one pay taxes on it or if you even need to if your not making enough on it. I made roughly $400-$500 this past year from Youtube and want to make...
View ArticleKiyosaki Rich Dad real estate training
Wondering if there's anyone on here that has PERSONALLY paid for the in-depth (6 week?) training sessions and personal mentor programs. If so (and only if so), I'd like some honest feedback. Have a...
View ArticleNeed help with legal contract wording and meaning
The following is in a lease agreement. "The landlord will carry out all repairs and maintenance including and not limited to roof and exterior work, not to include the exterior doors". This obviously...
View ArticleQuestion Regarding CST (RESP)
Hi I just have a question regarding an resp from Canadian scholarship trust. The resp isn't for me but for someone in my family who stumbled upon this problem. The student decided to do a victory lap...
View ArticleHow to learn the federal and provincial tax credit systems (and grants)?
I'm wondering how to learn all the tax credits at federal and provincial (and municipal?) level. I Is there a complete, readable and well-organised source? (please don't recommend the tax code itself...
View ArticleRRSP - unused contributions questions
Sorry if this is basic, but this is the first time I'm doing this and want to make sure it's correct. I would like to contribute 15k to my RRSP this year and only claim 5k for my 2012 tax return. I'm...
View ArticlePeople's Trust -opinions?
Hi all, I would like to open a TFSA account with them, simply because of the rate. Some time ago I sent them a question about linking more than one external account and they haven`t responded to this...
View Article