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Auto financing question - larger down payment vs lump sum payment
Hi all Is there any difference between putting $15k down payment on a car, vs putting a $5k down payment and then on day 1 of getting the car, putting a lump sum payment of $10k into the total loan to reduce the amount owed? Assuming there's no penalty ...
- jasoncdu
- May 9th, 2022 6:18 pm
- Forum: Personal Finance
- Personal Finance
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May 9th, 2022 6:18 pm
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A question about insurance payment
My wife buy eye glasses online. It costs $250 + $10 (shipping fee). Her insurance covers $200. So we receive $200 without any issues. Now it goes to my insurance. It covers $200 as well. Should I receive $50 or $60? I know shipping fee is NOT covered. But if my wife do not have insurance, my insuran...
- mouseswimming
- May 4th, 2022 7:28 am
- Forum: Personal Finance
- Personal Finance
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May 4th, 2022 7:28 am
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Scotia car loan payment by credit card
Hi, Anyone paying Scotia Bank car loan by credit card? I think I read somewhere on the forum that one of Scotia credit cards which gives points or cash allows for loan payments. I forgot whether it was car loan payments or not. Is there anyway to pay Scotian Bank loan payments with credit card? Than...
- snowhite445
- May 2nd, 2022 1:15 pm
- Forum: Personal Finance
- Personal Finance
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May 2nd, 2022 1:15 pm
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Making a Scotiabank Visa payment
... new credit card -- Scotiabank Momentum Visa Infinite -- to my Simplii Financial account as a "Billing Company" so that I can make the payment. Searching for Scotia Visa, I choose "Visa, Scotiabank-Scotialine" (the only option that makes sense). When I get to the last step ...
- BSK450
- Apr 30th, 2022 4:12 pm
- Forum: Personal Finance
- Personal Finance
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Apr 30th, 2022 4:12 pm
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Tangerine variable mortgage, set payment or adjustable payment
We have a tangerine variable mortgage...With recent prime rate change, we found that our bi-weekly payment has increased a bit...Anybody knows if Tangerine variable mortgage has set payment or adjustable payment? I thought it should be set payment, but maybe I am wrong?
- g62kc
- Apr 26th, 2022 12:16 am
- Forum: Personal Finance
- Personal Finance
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Apr 26th, 2022 12:16 am
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Renters asked if we accept pre-authoried debit payment (PAD) - how do we acccept that?
Hello, one of our propsective tenant is wondering if we accept PAD as a form of payment. We bank with TD and we are wondering what is the best way to proceed in setting one up so prospective tenants can pay rent via PAD. Thanks.
- HenryC422053
- Apr 21st, 2022 10:26 pm
- Forum: Real Estate
- Real Estate
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Apr 21st, 2022 10:26 pm
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Paypal no longer a payment option for Ebay?
I know Ebay had removed Paypal for sellers but I wasn't aware they were also going to remove it for buying items. Couple of recent Ebay purchases had direct Credit Card or Google Pay as payment options but paypal was now removed completely. Anyone else have the same thing happen to them?
- CrazyCatMan
- Apr 19th, 2022 10:21 pm
- Forum: Shopping Discussion
- Shopping Discussion
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Apr 19th, 2022 10:21 pm
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Fixed Payment Variable Mortgage
Hi,What lenders are offering fixed-payment variable mortgages (static variable) in Ontario?Thanks,
- Bee007
- Apr 16th, 2022 4:32 am
- Forum: Real Estate
- Real Estate
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Apr 16th, 2022 4:32 am
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Extra mortgage payment for the increased rate
... mortgages (25 year / 30 year amortization). I'm thinking of paying extra for both of them to increase contribution to principal. I have a lump sum payment option so I'm thinking I could just save up the money, then pay at the end of the term to make sure that I'm in line with the original amortization ...
- siddha3
- Apr 13th, 2022 2:45 pm
- Forum: Real Estate
- Real Estate
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Apr 13th, 2022 2:45 pm
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Mortgage Calculator with Additional Payment and Variable Interest Changes
I tried searching the forum but haven't had any luck so far. Does someone here have a spreadsheet or website that allows me to see how my mortgage would look if I might lump sum payments at different moments as well as inputting different interest rates at different moments (as per BoC meetings) to ...
- poptart77
- Apr 5th, 2022 6:07 pm
- Forum: Real Estate
- Real Estate
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Apr 5th, 2022 6:07 pm
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Rogers: $25 fee for failed pre auth credit card payment ?
I had fraud one month and credit card payment didn't go through. I noticed on my bill a $25 charge for a "return payment". I can maybe understand this if it was pre.auth to my bank account..but credit card? Is this a bogus money grab ...
- joshua18
- Apr 3rd, 2022 10:52 am
- Forum: Shopping Discussion
- Shopping Discussion
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Apr 3rd, 2022 10:52 am
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Costco in Store Purchase Payment Options
... in store, I could use my TD debit card at cashier station and it was showing I could use either my saving account or checking account to make a payment. Is this method of purchase still available? I have my Capital One Costco credit card which will soon be changed to CIBC Costco credit card, ...
- esfandiyar2002
- Mar 16th, 2022 3:51 pm
- Forum: Shopping Discussion
- Shopping Discussion
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Mar 16th, 2022 3:51 pm
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Scotiabank increases mortgage payment without notice
... BOC rate hike, no surprise that Scotiabank followed suit with their prime rate. But I found it surprising they immediately increased the bi-weekly payment on my variable mortgage without any notice or forewarning. Perhaps the official letter is in the mail, but still a bit surprising. Good thing ...
- Sephora
- Mar 16th, 2022 1:27 pm
- Forum: Real Estate
- Real Estate
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Mar 16th, 2022 1:27 pm
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Can you make a lump mortgage payment with a Cheque?
So a one off question. We have a mortgage already and its set up on pre-authorized payment every month. We are allowed a range of prepayment every year. I would like to make a prepayment but from another account at another branch. Can I put like a $4000 lump payment ...
- GoodFellaz
- Mar 7th, 2022 10:57 am
- Forum: Personal Finance
- Personal Finance
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Mar 7th, 2022 10:57 am
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Climate Action Incentive Payment 2022
Apparently this is no longer being administered through CRA tax system but is a separate credit available to most Canadians in quarterly payments. I can't find any info on how much the payments will be, except in reference to the payment tables for each province listed on the 2020 tax credit ...
- Luzer123
- Mar 2nd, 2022 1:21 pm
- Forum: Personal Finance
- Personal Finance
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Mar 2nd, 2022 1:21 pm
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Rakuten Payment
Rakuten payment says it was issued on the 15th. How long does it usually take to receive in the mail?
- CanadianChick39
- Feb 17th, 2022 7:24 pm
- Forum: Shopping Discussion
- Shopping Discussion
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Feb 17th, 2022 7:24 pm
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Confused about shipping and payment when ordering from Alibaba (not AliExpress)?
I am trying to figure out how to order a cosmetic skincare device for my mom directly from the manufacturer listed on Alibaba. This is a very niche product and is not available on AliExpress. The same item is available from only a single seller on eBay but at triple the price excluding shipping. I a...
- shyhermit
- Feb 16th, 2022 4:11 pm
- Forum: Shopping Discussion
- Shopping Discussion
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Feb 16th, 2022 4:11 pm
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Anyone Doing TIPP ( Tax Instalment Payment Plan) In Calgary
HiThe people I am buying a property off are doing monthly payments through this TIPP. I am trying to decide if I should do this or not.Can anyone speak to this? If I go this way, will I be able to use my CT mastercard to pay? Or do they only allow bank accounts?Thanks
- xiaobao
- Feb 10th, 2022 11:34 am
- Forum: Home & Garden
- Home & Garden
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Feb 10th, 2022 11:34 am
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Does Daycare count as recurring payment for Credit card?
Just wondering for those of you redflagers who have Cash back credit cards and have little ones in daycare, do you charge the daycare costs to your credit card and does it count as a ‘recurring payment’ since it would be withdrawal monthly?Thanks
- caddie444
- Feb 4th, 2022 10:09 pm
- Forum: Personal Finance
- Personal Finance
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Feb 4th, 2022 10:09 pm
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People's Trust Prepaid Payment Card Class Action [ON]
... completely forgotten about this class action or when I originally filed a claim. Quite a surprise to see this in my email. People's Trust Prepaid Payment Card Notice Administrator <[email protected].com> Prepaid Gift Cards Class Action Claimant P**-400******: On January 20th, 2022, the ...
- bylo
- Feb 3rd, 2022 11:33 am
- Forum: Personal Finance
- Personal Finance
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Feb 3rd, 2022 11:33 am