Trending Personal Finance Discussion Tags

credit card

Hello, I called a motel for making a room reservation for my summer vacation. The motel does not have a website and they don't even seem to use e-mail. The person on the phone asked me quite a number of details: - First and Last name. - Address, including postal code. - Phone number. - Credit card n...

rrsp

Hello! I am hoping to confirm something... I have an RPP with my workplace that matches my contributions (a defined contribution plan) as well as a defined benefit plan. It's a hybrid. Let's say that my 2016 tax return says that I have 10k in RRSP room for 2017 and I want to maximize that. If my DC ...

personal income tax

I'm trying to line up everything for my return and seeing if there are any deductions I am missing. I am a typical young person. Oilfield trucker and electrician for work. Ones I've lined up so far are: - First-time home buyer - Charity donations - Trucker's deduction for being away from home (batch...

for

I'm not really well-versed with using a LOC. I got my first one 6 months ago and that was only because CIBC randomly called me up and offered it to me. At the moment I'm paying prime plus 4.5 which is apparently 7.5%. I actually thought I was paying 4.5% total, didn't realize it's higher. Anyway... ...

tax

... the work related to it was already done when the paperwork associated with the T2. Today, I received an additional Invoice in the mail dated May 1, 2017 of almost $800. There is no specific breakdown of what this fee is for; it includes vague activities like "MEETING WITH CLIENT TO GO OVER DOCUMENTS ...

tfsa

... so far (other than my employee pension), is it a good idea to open up a TFSA and then find the highest interest savings account (currently 1.90%) or would it better to take advantage of the current offer with EQ Bank (2.30%) and the resulting tax I will need to pay on it later? I know we ...

credit cards

While I am not as crazy as some people here who apply to dozens per year, I've had a bunch in the last 14 years. My favorite so far are any credit cards related to Aeroplan Points. I fly quite a bit and able to collect quite a bit via flying in addition to sign up bonuses. ...

credit

I have never checked my credit score. Is there any way I can get it for free?

pc financial

How many accounts can you link? Do you still have to mail a void cheque to link?

and

Current situation my wife and me have a joint account where Child Benefit and GST/HST are deposited in that account I want to deposit child benefit in an bank account different from the GST deposit I would like to do that to be qualified for CIBC new offer 300$ for direct deposit ( it is a bank acco...

cra

Hi everyone, The CRA has recently disallowed my claim for 407 highway toll expenses and their argument is that use of this highway is a "personal choice" because other free highways could have been taken. For anyone that lives in the Greater Toronto Area they would know that the other options are no...

fraud

My story: I sold my car and on May 2, 2017 I wanted to deposit $9000. When I came to the TD Canada Trust branch at 1:00 PM I gave money to teller to count. But I received the text from my friend so I was distracted and didn't really paid attention ...

mortgage

http://www.cbc.ca/news/canada/toronto/s ... -1.4078124 anybody know which church?

tangerine

Hi I already have a saving account with them, i m wondering how to qualify for the 2.4%? Opening a joint account with my wife? And how to proceed? Thanks

investing

... like the following - Share price should be no more than two-thirds of intrinsic worth.   - Look at companies with P/E ratios at the lowest 10% of all equity securities.   - PEG should be less than one.   - Total Debt to Current Asset ratios of less than 1.10 etc.

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, ...

bank

I work in an Industry that my bank has taken a dislike to, they sent me notice that they're closing ALL my accounts: Personal, Business and Credit Cards. This puts me in a bad spot. I have been banking with RBC for a very long time, and my only credit card is a RBC credit card. I run a small busines...

taxes

Hi All, I went in today to buy a pre-paid credit card (Visa) from SDM. the clerk rang up the total to $113.00 on a $100 card. When I asked why, she said that taxes apply to pre-paid credit cards. I couldnt recall the last time I bought a pre-paid credit card, so I didnt create a scene. I came back h...

the

What do others do for splitting money with their spouse? Best practices? Pros and Cons of keeping money separate or putting everything together. How do you pay bills etc. Assuming both spouses work. Non-working is obviously totally different situation.

cibc

Hello, I am not sure what the minimums are at all banks, but I know most banks the minimum for Interac E-transfer was $10. It appears that CIBC has now lowered that amount to $0.01. Saw this as a message in online banking today; Interac e-Transfers® no longer require a minimum of ...

from

I want to get my GST return. I'm a single 20 year old with no kids and live in Nova Scotia I have no income and would not owe anything. Can I get a GST return even if I don't have a income? I also have a mental disability so idk if that effects anything. Can I also get back payments from previous pa...

credit score

I have a long last name that has two parts and, when spelled properly, sometimes does not fit in the "last name" fields (online forms, bank statements, auto insurance cards, etc.). for example, let's say my last name is: LASTNAMEPART1 LASTNAMEPART2. on my auto insurance policy, it is spelled as LAST...

question

Hello, I called a motel for making a room reservation for my summer vacation. The motel does not have a website and they don't even seem to use e-mail. The person on the phone asked me quite a number of details: - First and Last name. - Address, including postal code. - Phone number. - Credit card n...

visa

Does anyone know if a Visa or Mastercard debit card show up on your credit history?

debt

Has anyone heard of this firm and reviews would be appreciated?? Thank you.

bmo

I currenty Bank with BMO and Tangerine, currently paying $14.95 a month for their unlimited transaction plan :facepalm: I called them up to get a reduction on the plan fee, but all they offered was to tell me to reduce the number of transactions I do or maintain $3000 in my account, they won't budge...

rbc

I used to get so many offers for 0% balance transfers for Visa Gold even while still in a balance transfer. Has anyone else noticed they stopped giving offers or is it just me?

money

Hey guys, so I do already have at least 100k sitting in mutual fund investments. I have a total of 20k in savings. I'm not sure when i'll need it or if i'm going to use it... but it's not making any money because I have it all in savings right now. And tangerine's interest rate is like .80% i think?...

banking

Hi, PCF does not offer their products in Quebec but I would like to open one. Could I go to another province (Ontario) and open one there with my Quebec address? Also, could I go to a Quebec CIBC and use their teller services for my PCF account? Thank you

mastercard

I bought about 6 items on boxing day 2016 from an online shop based in the US. They are powered by shopify (probably some small business). It looked legitimate so I took the chance. My total was 380 bucks. The website (not shopify) says that it takes around 5-20 days to ship. Not a problem I thought...