Trending Personal Finance Discussion Tags

credit card

I am wondering whether it is wise to pay a credit card balance using another credit card's cash advance? Heard a friend is doing it to get points. Is it advisable?

rrsp

Let me preface my question by saying I did search these forums and Google for my answer but came up empty. In 2015 I earned $10,000 and I continue working in 2016 for the same salary In April 2016, after getting my NOA for 2015 which says I have $1,800 unused RRSP contribution ...

for

Hey all, Am I being billed twice for the same period on my electricity bill? Or is this normal? Thanks

tax

I was asked by CRA for my copy of schedule 11 and S11. But I didn't literally fill those forms as I used netfile tool(turbotax). Does that mean I need to download the two forms and refill it by myself?

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

I did a co-op term in New York last year and I opened up a bank account with Chase Bank to deposit my earnings. I've since graduated and am working full-time in Toronto so I don't see much point in leaving the money in an American chequing account. I have recently started a TFSA account with Questra...

credit

What gives??? I tried to open a checking account today and at the end of the process which took a ridiculously long 45 minutes the clerk wanted my permission to do a "hard" credit check. Anyone else run into this??? I must say, I haven't opened a new account for a few years now, but nobody wanted a ...

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 ...

and

I may be receiving a large sum of money in the US. What would be the best way to transfer it back into Canada? And I may decide to move to US as well so want to know transfering from Canada to US as well. Thanks.

pc financial

Hello All, I have both PC financial and Tangerine account. I looking for more no fee banking accounts. Are there other ones out there beside PC financial Tangerine account? I don't mind credit union banks or banks waiving fee for balance of under $1000. Thanks guys.

cra

I am presently out of the country. Most probably I will be out of the country on December 31, 2017 too. Whenever I file the CRA return, the question is always asked, were you a resident on December 31 . If I say yes & lie, will CRA find out ? Will they contact CBSA & find out ? Also say I come back ...

tangerine

Hello All, I have both PC financial and Tangerine account. I looking for more no fee banking accounts. Are there other ones out there beside PC financial Tangerine account? I don't mind credit union banks or banks waiving fee for balance of under $1000. Thanks guys.

the

Apparently a company in BC has built the world's first quantum computer. Governments around the world are investing billions in the technology and although they say computers will not be used to hack Bitcoin as everything else it will only be a matter of time. Personally, every time someone claims t...

mortgage

Just wondering if anyone saw this article, and their thoughts??? https://www.theglobeandmail.com/globe-i ... e35697331/

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...

bank

Hey all... My lady and are getting married next year, and to help get some extra funds, or prizes, I was thinking of opening an account or two to take advantage of bank offerings. What are the best ones out there that are worth taking advantage of? Thanks!

from

Hi, There are 2 different banks, so we cannot setup a personal payee. Other than e-internac which needs to be manually created every time...what is the best way to receive money from one person chequing account, into another? Is there an easier automatic way? Thanks.

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.

taxes

Okay so a few years ago my friend and I (who were 18 at the time) formed a legal business / partnership for a web app we made. We didn't have revenue, and we moved to the US and forgot about it. Well-- I guess the CRA didn't forget about us because we got a "Notice of reassessment goods and services...

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, ...

cibc

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 ...

question

I am presently out of the country. Most probably I will be out of the country on December 31, 2017 too. Whenever I file the CRA return, the question is always asked, were you a resident on December 31 . If I say yes & lie, will CRA find out ? Will they contact CBSA & find out ? Also say I come back ...

credit score

Long time listener, first time caller. So in the spring of 2012 my credit report was sheets long of negative hits with a score of about 400. Luckily most things either fell off after 6 years or came off after being disputed, fast forward to today. My score ...

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 ...

debt

Hi, I currently have about 19k debt from a student credit line through my credit union (Desjardins) that was recently transferred into a personal loan once I graduated. I currently pay 7.10% and I was wondering if it's possible to do better. My credit score was very so-so when I converted it into a ...

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...

money

Hi, There are 2 different banks, so we cannot setup a personal payee. Other than e-internac which needs to be manually created every time...what is the best way to receive money from one person chequing account, into another? Is there an easier automatic way? Thanks.

rbc

So I had occasion to call RBC customer service this week... I had not received by Visa bill in the mail...there's a bit owing on it this month and I want to make sure as I always have that it's paid in full and on time. But I need an amount and a plan of attack if it doesn't arrive...so I called RBC...

banking

I am moving from BC to Montreal and buying a home there. I have settled on a couple of choices for my mortgage, either BMO or Desjardins. I am with a local credit union in BC that doesn't have any branches in Quebec, so I have to move all my accounts one way or another (chequing, business account, g...

mastercard

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...