Toronto RE: Condo vs. Loft opinions
Hey guys, So was browsing real estate sites today, and a thought occurred to me. Would the prices of lofts be more shielded from the potential decline in Toronto condo market versus your run of the...
View ArticleGetting First Credit Card
I will be 18 in June but I have to attend High School one more year. I want to get a credit card when I turn 18, so I can start building my credit but since all student credit cards say "for...
View ArticleTD e-series equivalents to Canadian Couch Potato model portfolios?
Hi I was wondering if the TD e-series funds can be used as proxies for most of these ETFs. When I look at the fund information for TD their Canadian Index is just TSX rather than TSX capped, the US...
View ArticleFile your taxes
K this is my first time doing my taxes myself, I used studio tax and genutax but they but gave different number. Now that im finished where do I send/upload the file to the government?
View ArticleTracking capital gains and losses
Does anyone have a good system for tracking mutual fund capital gains and losses? I sold some non-registered funds recently, some at a gain and some at a loss. I know I can only use losses against...
View ArticleWhat's the best way to invest in CNY?
So this doesn't get a lot of attention on here for some reason but what's the best way to buy Chinese New Yuan? It is still grossly undervalue at this point despite the recent years of appreciation....
View ArticleMutual fund fee calculator
Here's a useful tool to get an idea how much you are charged to invest in mutual funds. http://www.getsmarteraboutmoney.ca/e...t#.UUzOKVdvGvz It is quite absurd how much we pay to own managed mutual...
View ArticleSingle/Common law
Considering filing commonlaw but the implications are mind boggling and possibly above my head since you still file seperate tax returns, so i'll try to break it down and maybe someone out there can...
View ArticleQuestion about ETF's
Just read the article in Money Sense on ETF's and it has piqued my interest. I am a relative newbie to investing so my question is with approximately $3000 to invest is it advisable to invest in ETF's?...
View ArticleHome buyer's plan & pre-construction condos
How does utilizing the home buyer's plan work with pre-construction condos? Do you withdraw the money from your RRSP when you pay the deposits or do you withdraw the money on the year of the closing...
View ArticleToronto Airport Shuttle Discount Code
Any available? WestJet has a deal for 1 way but no discount for return. Airport shuttle gives 5% if booking online. Reg 1 way is ~$27 and return is $40. TIA.
View Articletoronto, new apt is only ready from the 15th of the month, how does rent work?
I found an apartment, they said the apartment will only be ready on May 15th. I asked it is unsual, why so. The management said, the current tenants will be moving out the last day of April and we need...
View ArticleMortgage Renewal. Change or Stay. Other Products: RBC Homeline Plan or others...
Hi fellow RFD Members, I am looking into getting this product or any other product that would help me take advantage of the home equity portion of my mortgage. My mortgage is coming up for maturity in...
View ArticleHow many banks do you bank with?
Just wanted to do a survey on how many banks people bank with, and which banks. I'm banking with TD and CIBC, but find that having cash in two places makes it hard to manage my financials. I am...
View ArticleShould I make the switch to CIBC from TD?
I bank with TD and recently they didn't want to renew my CC. My credit score is only "fair" so I guess that's why they decided not to renew my CC. I regret for not keeping up with my payments etc. I...
View ArticleWatch out using PC Financial Credit Cards outside of Canada, i.e. US!!
I do a lot of cross boarder shopping and I always have used my PC Mastercard. So one day I thought I would do a test with PC versus Sears Mastercard cards and the PC Financial sadly FAILED. I made one...
View ArticleIf this was an app, would you use it?
Hello fellow budgetters, There are a fair number of meal planning options out there, I've found them to be lacking (especially for budgets). Can't do meal plans based on time taken, can't only do...
View ArticleClick here if you know a lot about the law> Have a lien on my property.
So this really old person put a lien on my apartment , for a very large amount of money that would take me a long time topay off. I think he will live for another 5 years. QUESTION: After he passes...
View ArticleManaging mutual funds with CIBC online
Does anyone know if we can manage mutual funds through CIBC online? I can only view them, but can not find any link to buy/sell/switch them. Compared to other banks, i.e BMO and TD, I can...
View ArticleClosed Account - Fraud??
I wrote a cheque to a Ford dealership for down payment on a new car. At the time of purchase (Tuesday 6:00 pm-ish) my bank was closed. I went to the branch a couple blocks from the dealership but just...
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