Nope, on regular savings accounts.... just have to call to have your account registered. See this:
http://forums.redflagdeals.com/2-pc-fin ... s-1307562/
Mar 29th, 2013 12:07 pm
Nope, on regular savings accounts.... just have to call to have your account registered. See this:
Mar 29th, 2013 12:42 pm
Weird. Nowhere on the site do I see mention of this. The only thing I see is registered accounts only. Oh well, it is for a month and 2% isn't much on chequing/savings account money so I might gain 50 cents before the promo is over.coleworld wrote: ↑Nope, on regular savings accounts.... just have to call to have your account registered. See this:
http://forums.redflagdeals.com/2-pc-fin ... s-1307562/
Mar 30th, 2013 2:50 am
Mar 30th, 2013 10:09 am
I agree it's not the best deal. I already had an account, and had practically nothing in it, so it worked well for me, but I can see it being a big pain for others.
Mar 30th, 2013 12:15 pm
The jump through the hoop is like 1 foot. The phone call takes 5 minutes...
Mar 30th, 2013 12:19 pm
"we've got some good news...it's good friday...oh btw we're dropping rates down 20bps." Why write an email that insults people's intelligence like that, I don't see the humor in it at all.Byte wrote: ↑Just got this email from Hubert / Happy Savings
============
Subject: Happy Savings Rate Adjustment
Hi there,
So, we've got some good news and we've got some not so good news.
The good news is it's the Thursday before a long weekend and we hope you have the chance to kick back, relax and celebrate the holiday with your family this weekend.
Now for the not so good news... Due to continued changes and fluctuations within the market place, we will be adjusting our Happy Savings Account rate to 1.8% effective Monday, April 1, 2013.
At Hubert we promise to make sure our members are always in the loop about what's going on, especially when it comes to our rates and our products and services. So whether the market dictates a rate increase or decrease, we promise to let you know as soon as possible.
Don't forget, we are always happy to help so give us a call or send us an email! We can be reached by phone at 1-855-4HUBERT (1-855-448-2378) or by email at hubert@happysavings.ca.
Sincerely,
Hubert
============
Mar 30th, 2013 1:28 pm
Personally, I enjoyed the way the e-mail was written. I didn't find it insulting in the least, and enjoyed the personality of the e-mail. They made it somewhat fun, not too long, and got the important information in there. Most banks don't announce rate increases/decreases, and I appreciate that they take the time to let you know.Shadow Rider wrote: ↑"we've got some good news...it's good friday...oh btw we're dropping rates down 20bps." Why write an email that insults people's intelligence like that, I don't see the humor in it at all.
Mar 30th, 2013 5:00 pm
I guess it is worth it for some to take 15 minutes and make the call, but for others a gain of less than a dollar is not worth 15 minutes of sitting on hold. It is going to depend on how much money you have sitting in a bank account. Unless there is some short term need for the money, most people wouldn't have much wasting away in a bank account to make a 0.2% increase really worthwhile.
Apr 1st, 2013 8:20 am
You were right! Hubert dropped their rate back a few days agoangel_wing0 wrote: ↑just my guess, unless every bank start raising theirs, there is no way hubert will stay at this rate.
Apr 1st, 2013 2:09 pm
Apr 1st, 2013 2:19 pm
I would allocate just under $100k (e.g. $99500) to each financial institution (for CDIC coverage purposes) and choose the institutions offering the top 2 to 5 rates (depending on the $ amount you are investing) in the first post of this thread based on your comfort level with each of the institutions. Personally, I would choose institutions who are covered by CDIC first (e.g. Peoples Trust), then credit unions in your home province. Credit unions outside my home province would be chosen with some level of apprehension just for safety purposes. Just my two cents.
Apr 1st, 2013 3:15 pm
PT, CDF and Bridgewater are the top 3 CDIC rates on the list, I'd start with them.
Apr 1st, 2013 4:25 pm
Apr 2nd, 2013 1:16 am
*thumbs up*fyhchan wrote: ↑2.5% interest at ING on Investment Savings Accounts (ISA), RSP ISA, and TFSA ISA from now until June 30, 2013!!
http://www.ingdirect.ca/en/landingpage/sale/
Apr 2nd, 2013 1:25 am
Apr 2nd, 2013 1:34 am
Can you take the money out after 30 June on ISA account? And move them into another institution with higher HISA rate? I'd put money into that if I can use the ISA just for a short term boost over the regular HISA rates at other institutionsfyhchan wrote: ↑2.5% interest at ING on Investment Savings Accounts (ISA), RSP ISA, and TFSA ISA from now until June 30, 2013!!
http://www.ingdirect.ca/en/landingpage/sale/
Apr 2nd, 2013 7:39 am
Of course you can. It's your money and you're free to do what you want with it. There's no crazy restriction on how long you need to keep the funds there before you earn the stated interest rate.Messerschmitt wrote: ↑Can you take the money out after 30 June on ISA account? And move them into another institution with higher HISA rate? I'd put money into that if I can use the ISA just for a short term boost over the regular HISA rates at other institutions
Apr 2nd, 2013 3:34 pm
Apr 2nd, 2013 5:12 pm
If you check the terms and conditions, section 6(b) shows that transfers from your THRIVE chequing to an ISA are valid for the bonus.dankup wrote: ↑For ING 2.5%: This rate does not apply to internal balance transfers made from other ING DIRECT Accounts, including GICs. But how does one put a cheque onto the ISA account, if they only let me put it onto my chequing account, and then if I want, transfer online frm chequing to savings?
Apr 2nd, 2013 8:36 pm
have to agree. Well its obvious that it was a teaser rate anyway.Xenko wrote: ↑Personally, I enjoyed the way the e-mail was written. I didn't find it insulting in the least, and enjoyed the personality of the e-mail. They made it somewhat fun, not too long, and got the important information in there. Most banks don't announce rate increases/decreases, and I appreciate that they take the time to let you know.
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