Trending Personal Finance Discussion Tags

credit card

I have a question. Well a few. ( I also hope this is in the right place) So this is the situation. Back in July of 2016, a bunch of expenses were placed on the card in June that caused me to go over budget and make me unable to pay the card off in full. Someone mentioned to me to ...

rrsp

I recently changed jobs. At my old job, I had a DCPP where I contributed a % of my salary and my employer would match my contributions up to a certain %. Since I no longer work there, I was asked by the financial institution holding the RPP (Manulife) what I wanted to do with the money. Since I only...

for

Got this email today from one of the banks I deal with .... "Congratulations! You've been pre-approved for a $10,000 at 7.19% Royal Credit Line account. " Worth it just to have, maybe as a tertiary source for emergency funding? and if I'm 'pre-approved' ... I assume there will NOT be a soft nor hard...

tax

My friend is 64 and has been on a CPP Disability for mental illness for over 10 years. On his 2016 assessment he has been asked to reapply for his Federal Tax Disability Credit. His current and previous (retired) psychiatrist both cooperated with the paperwork. The new psychiatrist has also altered ...

personal income tax

Hi Like to know, if clergy who does not receive any income (food, shelter, clothing, transpotation provided by Non-profit religious org) has to file personal income tax returns with CRA? Thanks

tfsa

Hi All. My big apologies about the title of my post but it's related hence I don't want to create two new posts. I have two teenagers who are now both starting university this year Sept. 2017. We both saved them a small amount of RESP of 20k each with TD Canada which is now converted to money market...

and

... I thought that. This article confirms this is just what they are doing. http://www.cbc.ca/news/business/banks-sales-tactics-call-centres-go-public-1.4030981 I called in for something and she brought up about having the automatic transfer to savings account. It automatically moves a certain amount ...

credit

Got this email today from one of the banks I deal with .... "Congratulations! You've been pre-approved for a $10,000 at 7.19% Royal Credit Line account. " Worth it just to have, maybe as a tertiary source for emergency funding? and if I'm 'pre-approved' ... I assume there will NOT be a soft nor hard...

credit cards

Has any National Bank customers here recently switched credit cards (within the bank) know if they transfer credit card history or does it start from scratch? Long time card holder of their World Elite (10+) years but thinking of switching to another premium World Elite(and getting a regular no-fee ...

pc financial

Wow, after 20 years, never saw this coming!! https://www.pcfinancial.ca/m/english/info/ CIBC to create new brand, Simplii Financial as of November 1. http://business.financialpost.com/news/fp-street/pc-financial-customers-to-transfer-to-new-direct-bank-brand-simplii-as-cibc-loblaw-part-ways/wcm/ec5d467e-5675-471c-921a-ad37128ed5b4 ...

cra

Jan 1 to Jan 31, 2017 - I was in Canada. I left Canada on Feb 1. 2017 to go abroad. I am still abroad. I am basically just travelling - NOT working or earning any income abroad or in Canada ( like rental income etc ). I haven't ...

tangerine

Banking with ING and then Tangerine for 6 years now. No need to call them until today. Long story short. I deposited a $100 cheque from John Doe who paid me a deposit on September 11, today John Doe called and wanted to cancel the deal and have his money back, I agreed but told him I need to check w...

from

(copying the question I posted on the Finance Stack Exchange. Asking here as I want to get this sorted out ASAP.) Years ago my mother invested some money I made doing some acting as a kid in a bank account in New Zealand under her name. Both her and I live in Canada. We are both also Canadian/New Z...

the

Just saw a notice that come mid-November they will be dumping the Portfolio feature :( This really sucks as I got used to using it to track stocks. Guess I'll have to switch to Yahoo Finance unless someone has a better online portfolio tracker. "Portfolios deprecation information In an ongoing effor...

bank

I've been with TD (their top chequing package + the TD Visa Infinite) for probably 10 years (chequing account for longer than that). However, they've slighted me, so I feel like moving. Looking around, looks like I can get a BMO package with $300 cash back, unlimited account (keeping $6K in account ...

mortgage

... has put everything into an "all-in-one". So there is a mortgage portion, which is $74,000 (was $75,000 a couple months ago) as well an a LoC ($100,000, with about $1,000 in use). My credit cards are all 'nil' in balance out of a total line of $50,000. The auto-loan (Tricor through Ford) doesn't ...

fraud

Not sure if this is the the best location for this post, but what is the chance for fraud if someone has your bank info, including bank name and address, account type and number, name, SWIFT, trnasit, branch and account number? In Europe money is often transfered between people and organizatinos usi...

question

Hello. Hoping someone knows the answer to this. I got a call on my new cell from a collection agency who claims they have been trying to find me for years because I have a debt with Shaw from 2005. I have never been a Shaw customer, so I told them if they can provide documentation for me to investig...

cibc

I just opened an account with CIBC and got an unsecured LOC. I borrowed from it when it became active (Aug 14) and then about a week later (Aug 22), I called the customer service line to have my payment date changed from the 1st of the month to the 15th. That seems to have thrown a monkey wrench int...

taxes

I have an investment (not mutual funds; shares in a real estate company) that's expected to sell within 3 years time. My accountant has recommended that I meet with her when that time comes and she'll help me figure out how much tax I'd owe. She said I really should pay the taxes once the investment...

investing

Hi all, Thinking to start investing with currency, trading cad to usd etc. Anyone who has experience, advice or tips...would love to hear about it! Completely new to investing..any help would be greatly appreciated. Thanks.

to

Apple Pay Cash trademark filed in Canada https://mobilesyrup.com/2017/09/25/apple-pay-cash-trademark-filed-canada/ The trademark was filed on September 1st, 2017 by law firm Baker & McKenzie LLP and includes the following description: “Computer software used to process mobile payments; computer soft...

financial advice

hey all, just want some opinions/advice I want too do. I have a $11,00 car loan & a $15,000 student loan and make around 80k a year. My expenses are around $2000 a month, after my expenses my extra income is around $1900-$2200 a month. I just turned 24 and want to buy a house in the next 2-3 years, ...

credit score

Just looking for advice My wife's credit got whacked from the execellent to 649 because of a missed Amex payment. I checked credit karma and it shows as delinquent and 30-60 days overdue. The balance owing was $40 and I mistakenly made the payment on a old Amex card that has been cancelled. She call...

debt

To summarize, I have approx. 20k in debt and I have a plan in place to have approx. 25k saved a year from now, while also making payments on my debt. The trouble I'm having is should I pay it off totally and start from scratch, or invest (ie. buy a house) and pay it off after? Any help/advice/discus...

on

Hello. Hoping someone knows the answer to this. I got a call on my new cell from a collection agency who claims they have been trying to find me for years because I have a debt with Shaw from 2005. I have never been a Shaw customer, so I told them if they can provide documentation for me to investig...

visa

I'm wondering if anybody else has noticed a glitch in the payments to be posted? Normally when I make a payment at an ABM it will show up in my account as a payment to be posted. That does not seem to be happening. On Sat 15th, I made 4 separate cash deposits to 3 accounts and Visa at a CIBC ABM. I ...

money

Hi. My wife did a money order at the post office to pay a contractor. The contractor refused it because there was a spelling mistake in his name... So we did a regular cheque and we kept the money order to cancel it.... But i'm stuck with it... Here ingo from canada post.: Cashing a Money Order to t...

rbc

I can't seem to enable fingerprint login for RBC Mobile. Says I have to set my phone to English first. It is set to English US and I've tried all kinds of English and still won't enable. Does anyone else have this issue.

bmo

Does anyone else have issues using their BMO Debit Mastercard as an actual credit card? I recently switched from Scotia and my Scotia Debit Visa worked everywhere as a Visa. Online, travelling, etc. My BMO Debit Mastercard will not work as a Mastercard anywhere. Even at merchants listed on their "ac...