New CC - curious about equifax alert...
I was approved for a new master card through MBNA last week. The card isn't even here yet, and the balance transfer I signed up for has not been applied. However, yesterday I got an email from Equifax...
View ArticleCIBC Mobile Payment App (using NFC)
Curious to find out if anybody here on RFD has used this yet. I'm a bit disappointed to see it's only for BB 9900 and on the Rogers network. Would've been interesting to at least try it out!...
View ArticleBest/cheapest way to import vending machines from USA
Hi All. So a buddy and I are considering incorporating and starting a vending business. We want to import. Canada Customs has told us the Duty will be 5%. Others have told us we'd have to pay the HST...
View ArticleEmployee Shares
Who here gets company share match and do you withdraw them or just let the funds accumulate? Currently, I have some company shares and am thinking of withdrawing. I guess the only thing will be extra...
View ArticlePaying off an old debt from 2009
I've been making an earnest effort to make good on all my debts and came across an old one in my inactive Google Adwords account all the way back from 2009. The balance has since been credited with an...
View ArticleCan an employee keep a stale cheque from their employee?
So I worked for a company over the summer and haven't received the cheque yet. It's been 6 months. Can the company refuse to give the cheque if it's become stale? *edit. title is supposed to say can an...
View ArticleFirst Time Home Buyers help
Situation: Primary mortgage applicant was mom who bought house in 2005. 3 children co-signed with mortgage. Lawyer mistakenly put all 4 of them in property title. In 2008 this was corrected and only...
View ArticleAnyone ever receive their tax refund ahead of CRA's estimated date?
Has anyone here ever received their tax refund ahead of CRA's estimated date? i.e. I filed yesterday, got my return assessed today, and says my refund will be processed a week from now (Mar 14). Any...
View Articlembna smart cash CC
I was just comparing my existing cards (CIBC dividends on a tiered method starting at .25, and shell BMO cashback at .5 everywhere and 1.5% at shell) and i was looking to do the math based on this card...
View ArticleTFSA - latest rates
Hi All Can you guys suggest which TFSA a/c is good to invest in these days? Is the ING Tax-Free Short Term Guaranteed Investment (GIC) up to 2.50% is the best deal out there? Many thanks
View ArticlePC Financial mobile app finally available
As a early adopter of online banking, I appreciate anything that makes banking easier. So if you haven't heard yet, PC Financial finally has a mobile banking app for iOS, blackberry and android...
View ArticleDropping an executor
Can an executor be dropped without redoing a will? My father in law wants to cut out one of his executors without changing his will, if possible. I know there is a form to do this after the person's...
View ArticlePossible to hold a mortgage after selling property?
Let's say you're selling your apartment. For simplicity, we'll say it's sold for $1 million, and half of it, $500k, is mortgaged. You plan on holding on to whatever money you earned on it to buy a...
View ArticleGetting old bank statements cheaply - possible?
Hi, Is it possible to get old bank statements cheaply? RBC wants to charge me $10 per statement, which I think is a tad steep in this day and age.
View ArticleMortgage doesn't appear on my credit report
While I'm not one to concern myself over my credit score, at the same time, I want it to be as high as possible in order to get the best rates. I just recently viewed my credit report and my mortgage...
View ArticleClik here to view.
Bank account in Canada in British pounds ? (HSBC, TD, others?)
Hi, I am interested in getting a bank account in British pounds. My research : HSBC HSBC British Pound High Rate Savings Account http://www.hsbc.ca/1/2/personal/bank...y-gbp-overview - Make...
View ArticleNeed rental property insurance
Hi all, I recently purchased a 2nd rental property (student rental) and when I went to TD to add the property to my policy, they advised me that they won't insure a property that has more than 2...
View ArticleFinancing for Townhouse
I've been living in a condo almost a year; (For that condo 23% of the mortgage has been paid off. The mortgage I've got from my bank was 5 year fixed 2.99% mortgage taken last year. So I still need to...
View ArticleCRA.. what a surprise.
This is the first time I filed our taxes via Netfile. Filed it on Wednesday. On Thursday, I logged into CRA to confirm it was really received and what a surprise. Returns assessed and refund to be...
View ArticleMoving RRSP Account
I have an RRSP account at CIBC that has been sitting idle for over a year - bought some mutual funds that didn't perform so well. Now I want to take control of it again, and move my RRSP account to TDW...
View Article