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Paying off car loan
Hello everyone, I recently got a car from Toyota (last week), and used their in-house financing. I would like to pay it off right now. They did mention that it's an open loan. Is this doable without any penalties? Just not sure if they're going to charge any additional interest of administrative fee...
- David2144
- Sep 19th, 2023 7:32 pm
- Forum: Automotive
- Automotive
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Sep 19th, 2023 7:32 pm
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[Google Play] Which apps is worth paying (no games)?
Hello, I have a 100$ promotional credit ending soon on september 1st. I would like to know which apps are worth buying ( I don't play games..)..I heard Tasker is something people would use. Blue Iris, IP cam viever pro, video play back? etc..Any recommendations? thanks
- L4cky
- Aug 29th, 2023 11:41 am
- Forum: Cell Phones
- Cell Phones
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Aug 29th, 2023 11:41 am
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[PC Optimum] 2500 points for $25 of premium gas at Mobil/Esso + bonus 2500 points when paying with PC MasterCard - YMMV
Got an offer in my PC Optimum app for 2500 points when you spend $25 or more on premium gas (89+) at Mobil or Esso, plus a bonus of 2500 points if paying using your PC MasterCard. Essentially, it is 20% in points. It is YMMV on the bonus as some people got the offer with without the added bonus. ...
- shift2yeg
- Aug 24th, 2023 7:05 pm
- Forum: Expired Hot Deals
- Expired Hot Deals
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Aug 24th, 2023 7:05 pm
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Is anyone having trouble paying bills online with Scotiabank?
I've been paying bills online for the last 15 years & not once had a problem until today. I signed into my online account & noticed all accounts had an asterisk(*) next to the account name & when I go to pay bills, ...
- Creditn00b
- Aug 13th, 2023 4:21 pm
- Forum: Personal Finance
- Personal Finance
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Aug 13th, 2023 4:21 pm
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Paying down a Mortgage vs Investing - Can someone double check my math here?
Hi RFD, Trying to figure out, mathematically, what is the ROI needed in investing for it to be better than paying down a mortgage with a lump sum. Would appreciate if folks could poke holes in my analysis. Hypothetical Scenario: - $500,000 mortgage at 6% at 5 years - Using https://itools-ioutils.fcac-acfc.gc.ca/MC-CH/MCCalc-CHCalc-eng.aspx, ...
- ah_b
- Jul 25th, 2023 10:22 pm
- Forum: Real Estate
- Real Estate
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Jul 25th, 2023 10:22 pm
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[Esso] Buy $10 In Gas, Get 1,000 Base PC Optimum Points; 4,000 Bonus Points If Paying With PC Mastercard
I would look for a URL link, but Esso/Mobil have not announced it yet (shhh!). If you check the PC Optimum App, it may be there (it should be there tomorrow for sure). Early this morning (Wednesday) I visited the local Esso to buy gas and noticed some extra PC Optimum points on the bill. Apparently,...
- ImMrWorld
- Jul 12th, 2023 11:17 am
- Forum: Expired Hot Deals
- Expired Hot Deals
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Jul 12th, 2023 11:17 am
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Paying off mortgage by selling off investments at Renewal Time
... SM when rates are lower. 2) Sell investments in non-registered and pay off mortgage. Some of my investments have gone down, but I would still be paying capital gains. I would probably prioritize selling investments where the gain is relatively small (e.g. 8-10% gain) to minimize the capital gains ...
- alee23
- Jun 13th, 2023 8:22 pm
- Forum: Personal Finance
- Personal Finance
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Jun 13th, 2023 8:22 pm
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Advice on laptop < 500 for streaming 720p and paying bills
My grandfather's old laptop just died on him so I'm helping him look for a new laptop. He primarily uses it to watch Indian tv shows on Youtube and pay his bills so he doesn't need anything fancy and the laptop will always be connected to his monitor. His budget is around 500 or less so does anyone ...
- sammyflay
- Jun 2nd, 2023 7:55 am
- Forum: Computers & Electronics
- Computers & Electronics
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Jun 2nd, 2023 7:55 am
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[Shoppers Drug Mart] 45,000 bonus points for eligible purchase online (+5000 bonus paying with PC MC) (ends Apr 30)
Got this in my email: Treat mom to the best gifts from Shoppers Drug Mart® online. Right now, get 40,000 bonus PC Optimum™ points when you sign in with your PC™ id account linked to your PC Optimum™ card and make an eligible purchase ONLINE* at Shoppers Drug Mart®. Plus as a PC Financial® cardholder...
- JGnT002
- Apr 28th, 2023 12:09 pm
- Forum: Expired Hot Deals
- Expired Hot Deals
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Apr 28th, 2023 12:09 pm
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[alterna] Welcome bonus $400 bonus [400-168=$232] after paying fees [ON ONLY]
Welcome bonus $400 bonus [400-168=$232] after paying fees [ON ONLY] https://campaigns.alterna.ca/activechequing2023/ https://www.alterna.ca/media/yyshipxj/2023-active-chequing-campaign-terms-and-conditions_en_final.pdf OFFER PERIOD: The offer period ...
- Sidpop
- Apr 20th, 2023 8:40 am
- Forum: Expired Hot Deals
- Expired Hot Deals
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Apr 20th, 2023 8:40 am
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Paying US/Canada Taxes
I commute between my house in Canada and my work in the US (work visa). My US employer is taking my tax in the US. I will be in Canada more than 183 days for this year. Can I get all of my taxes refunded from the US IRS and pay it to CRA? I work Hybrid : 3 days in the US office and 2 days from home....
- tasamy
- Apr 18th, 2023 8:47 pm
- Forum: Careers
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Window Tint - Is paying double ($380) really better than paying < $200 for old car?
15 years old car, might squeeze out another 2-5 years out of it. XPEL ceramic from recommended installers like audio heaven and tintking are quoting almost $400 Cheaper shops in Brampton/Mississauga are promising to install ceramic (ever film) for just $175 Wondering if it is worth spending more tha...
- luking
- Apr 15th, 2023 5:51 pm
- Forum: Automotive
- Automotive
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Apr 15th, 2023 5:51 pm
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Paying US university tuition options
My child will be attending a USA university in the fall. From reading things on RFD I was thinking of using KnightsbridgeFX for the Canadian to US conversion. To actually pay the tuition the university mentions using Electronic Check Payment (ACH) where they need my account number and routing number...
- DentDude
- Apr 5th, 2023 7:43 pm
- Forum: Personal Finance
- Personal Finance
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Apr 5th, 2023 7:43 pm
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Question Regarding Paying Off Debt
Hello All, I'm looking to find a good way to pay down credit card debt. I currently have $13,600 in unsecured debt. My monthly income is $6200 net. After my mortgage and any associated costs, plus living expensives I'm left with around $440 to pay down said debt. I have $7500 in RRSP left (used what...
- JonPaul32
- Mar 14th, 2023 6:19 pm
- Forum: Personal Finance
- Personal Finance
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Mar 14th, 2023 6:19 pm
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Best US dividend paying stocks/ETF's to hold in RRSP
... (as valuation and being solid long term - similar to canadian banks, fortis, enbridge, canada teleco, etc all which are solid bluechip and good paying dividend) Also, any solid ETF in USD funds? (I'm thinking IVV?) Altough dividends are low and I'd like to focus on dividend growth, hence my ...
- MrBungal
- Mar 6th, 2023 9:28 pm
- Forum: Investing
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any thought of HYLD ETF - paying almost 14% dividend
any thought of HYLD -- it is paying 13.74% dividend. I was planning to add in my long term position and was wondering if that was safe... because you know 14% dividend it is too good to be true? https://hamiltonetfs.com/etf/hyld/?gclid=CjwKCAiA_6yfBhBNEiwAkmXy54i__COKqRnrD5m1Y40eG9rTFi_8rfSQDB09pByKKJdqCJ19TUDpMRoC_SwQAvD_BwE ...
- luciano27
- Feb 14th, 2023 10:27 am
- Forum: Investing
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Paying $97/month for Bell Fibe 50!
Hi guys, I've been paying $91/month (taxes included) the past year or so for Bell Fibe 50 Internet. It started off at about $75/month in 2017 and now it's at $97/month. I'm live in Scarborough (M1B area) and use about 1TB of bandwidth ...
- ShawnKen
- Feb 3rd, 2023 2:58 pm
- Forum: Computers & Electronics
- Computers & Electronics
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Feb 3rd, 2023 2:58 pm
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Paying off credit card early, ie statement balance is always ~$0
... if I had a statement balance and paid it off before the statement date, ie it will always be 0 vs waiting for the statement to be created and then paying off only the full required amount so in both scenarios no interest is paid. Would one scenario give a better credit score than the other? Ignoring ...
- Tijuana
- Jan 31st, 2023 2:58 pm
- Forum: Personal Finance
- Personal Finance
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Jan 31st, 2023 2:58 pm
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Paying down mortgage (5.55% currently) vs. Investing in S&P500 via TFSA in 2023
Which would you do if you had extra cash flow in 2023?EDIT: Let's say the time horizon is 5-10 years, with the goal of upgrading my principal residence.
- clutch31
- Jan 31st, 2023 9:13 am
- Forum: Investing
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Paying down mortgage vs Investing
... is roughly $950k (Primary residence) and interest rate close to 6% (mortgage broker strongly recommended to go with variable last year) now we are paying the price in increased monthly amounts. We purposely bought a home significantly below the amount we qualified for pre-mortgage so the increase ...
- Scorpionking999
- Jan 18th, 2023 3:01 pm
- Forum: Real Estate
- Real Estate
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Jan 18th, 2023 3:01 pm