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Man, I was going to get a sick return according to H&R Block until I entered my wife's tax stuff. Now I owe like 1400 and she owed 15 bucks. How does that work? I thought taxes were individual.
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May 8, 2015 02:59
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tuyop posted:Man, I was going to get a sick return according to H&R Block until I entered my wife's tax stuff. Now I owe like 1400 and she owed 15 bucks. How does that work? I thought taxes were individual. Without seeing the returns it is difficult to know for sure, however, what likely happened is since the program didn't have any of her information it transferred her basic personal amount (11,138 federally) to your return. So you were getting tax credits for 11K that you weren't entitled to.
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May 8, 2015 03:18
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Yeah I was about to get some sweet poor-people tax credits and poo poo until my wife ruined everything with her about-average earnings.
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May 8, 2015 03:43
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So have we moved into a bear market? Or is this still within normal flucuations?
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May 8, 2015 22:49
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The bond markets are in a bear market. I don't know about stocks yet.
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May 9, 2015 00:05
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i currently have $10k of TFSA contribution room (i think? the CRA site implies here this is the case) and an emergency fund sitting in a savings account with my credit union earning next to nothing (1.65%). i can afford to make about $2k in contributions per month to my TFSA (until I reach the cap). are there any relatively safe but liquid TFSA eligible instruments I could move $10k of my emergency fund into or am I better off saving it for more aggressive investments (I am mostly invested in ETFs via qtrade) and just sitting on the extra room for now?
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May 10, 2015 23:58
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the talent deficit posted:i currently have $10k of TFSA contribution room (i think? the CRA site implies here this is the case) and an emergency fund sitting in a savings account with my credit union earning next to nothing (1.65%). i can afford to make about $2k in contributions per month to my TFSA (until I reach the cap). are there any relatively safe but liquid TFSA eligible instruments I could move $10k of my emergency fund into or am I better off saving it for more aggressive investments (I am mostly invested in ETFs via qtrade) and just sitting on the extra room for now? You can always sell your tfsa mf but you will lose that contribution room for the year. TD e-series have a 90 day window iirc to mature so that selling the funds won't incur losses. If you have a LOC that could bridge an immediate need for funds this may make sense. If you do sell your mf early you incur a 1% (iirc) penalty and the sale will probably take a business day or two, so in your case can you survive without your 10k for several days and -$100 at the worst case?
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May 11, 2015 01:04
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the talent deficit posted:i currently have $10k of TFSA contribution room (i think? the CRA site implies here this is the case) and an emergency fund sitting in a savings account with my credit union earning next to nothing (1.65%). i can afford to make about $2k in contributions per month to my TFSA (until I reach the cap). are there any relatively safe but liquid TFSA eligible instruments I could move $10k of my emergency fund into or am I better off saving it for more aggressive investments (I am mostly invested in ETFs via qtrade) and just sitting on the extra room for now? Get yourself a Line of Credit and use that for emergencies. Put as much money as you possibly can into your TFSA as soon as you can. Invest it in low MER index funds and ETFs. Profit. Don't sit 10k @ 1.65. Saltin fucked around with this message at 20:38 on May 11, 2015 |
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May 11, 2015 20:36
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Saltin posted:Get yourself a Line of Credit and use that for emergencies.  Although that's what I do.
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May 12, 2015 14:07
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Rick Rickshaw posted:
Same. But I haven't touched an emergency fund for anything except like a car repair once in five years. A month or three of 7% interest < the 20% investments have been making that whole time, or the ~15% my debt was costing for three years.
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May 12, 2015 14:56
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What's the best credit card for us $$ transactions? Amazon.ca visa?
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May 13, 2015 05:50
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slidebite posted:What's the best credit card for us $$ transactions? Amazon.ca visa? Yup. Only one I'm aware of that doesn't pull your pants down to the tune of 2.5%, and instead converts at the spot forex rate.
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May 13, 2015 06:56
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Holy poo poo i didn't know you could get a spot rate cc anywhere.
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May 13, 2015 13:10
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Cultural Imperial posted:Holy poo poo i didn't know you could get a spot rate cc anywhere. No kidding. I guess it's time for babby's... second credit card. 
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May 13, 2015 14:12
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hahaha holy poo poo. The Amazon.ca application had my third year undergrad apartment on record. Holy loving poo poo.
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May 13, 2015 14:36
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Thanks. So, follow up question about CCs: How many CCs are too many? I have a Amex, PC MC and RBC Visa. My PC MC is generally my go-to card. I've had the RBC Visa probably the least long out of all of them (5 years?) although the Amex is close. I got the Amex because of Costco and even though they are now MC I go to the US fairly often and they are still Amex there (for the time being at least!). If I get an Amazon.ca card, should I just keep the RBC Visa or cancel it? Pros/cons to either? I rarely use it as it is, I suspect I'll use it even less if I get a different Visa. I do not carry a balance on any of them it's just more what are the negatives of having them?
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May 13, 2015 14:38
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I wonder the same. I have four credit cards, but I only use my Amazon Visa regularly (because no USD fees). Combined total of about $9500 in credit with none of them carrying a balance.
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May 13, 2015 14:46
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You have too many CCs if you don't pay off the balance every month.
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May 13, 2015 14:57
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I don't think it matters. Right now we have... Two Amex cards, two mastercards and two visas. If anything, the rock bottom utilization rate is awesome.
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May 13, 2015 14:58
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So after applying for another card to get some sort of card with actual rewards they want me to print out a physical paper form, fill it out with all my banking details, account numbers, transit numbers, everything, sign it, and fax it to them. Is this normal? I've never had to do this signing up for a credit card before. It seems very invasive.
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May 13, 2015 16:01
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Man gently caress that. Amazon.ca visa took me like 2 minutes to apply for.
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May 13, 2015 16:22
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Cultural Imperial posted:Man gently caress that. Amazon.ca visa took me like 2 minutes to apply for. Done and done. The card I was applying for did like 1.5%, this does 2% on amazon or 1% in general so averages out I guess. Now to cancel a bunch of my other cards I never ever use.
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May 13, 2015 16:42
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I have two CC, my Amex which is for travel (they have the great perks for international poo poo) and I just got an Amazon.ca card because I"m crazy.
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May 13, 2015 17:18
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The Amazon Visa was comically easy to apply for. They also let you start charging to it via Amazon before the physical card even arrives. Truly, we live in ludicrous times.
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May 13, 2015 17:21
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just applied for it, that was waaaay too easy. Read through the forms, they mention making payment options available, but not what they are - is there an online option for it (through the site maybe?) or am I going to be doing this via a transfer from my bank?
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May 13, 2015 18:23
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JawKnee posted:just applied for it, that was waaaay too easy. Read through the forms, they mention making payment options available, but not what they are - is there an online option for it (through the site maybe?) or am I going to be doing this via a transfer from my bank? I'm sure you'll just be able to add visa as a payee in your online banking along with your account number.
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May 13, 2015 18:25
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OK I'm going to get on this amazon.ca train too. Are you guys applying with your SIN? I see it's optional. 
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May 13, 2015 18:26
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slidebite posted:OK I'm going to get on this amazon.ca train too. I left it out - it asked me on the next page what the last 4 digits were, multiple choice style. It's not required. JawKnee fucked around with this message at 18:40 on May 13, 2015 |
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May 13, 2015 18:28
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gently caress no I'm not giving Jeff motherfucking bezos my sin.
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May 13, 2015 18:37
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Jeff Bezos can have all my sins if he wants. 
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May 13, 2015 18:44
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Well, yeah, that was pretty fast 
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May 13, 2015 18:44
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Does a drone deliver you the physical card within 8 hours?
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May 13, 2015 19:11
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i had to call to talk to fraud prevention 
the talent deficit fucked around with this message at 20:57 on May 13, 2015 |
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May 13, 2015 20:52
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One lovely thing about the Amazon card is that there is no way to not get a statement mailed to you every month. I have like 2 years worth of amazon visa statements unopened in a pile on my desk that I keep meaning to bring to work to shred.
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May 14, 2015 00:18
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Kreez posted:One lovely thing about the Amazon card is that there is no way to not get a statement mailed to you every month. I have like 2 years worth of amazon visa statements unopened in a pile on my desk that I keep meaning to bring to work to shred. Yeah, wtf is the deal with that?
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May 14, 2015 00:41
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It's run by a US bank. They're still in the dark ages. They don't even have chips in all their cards yet. edit: I mean they just started to use chips in the US. The Amazon Visa has a chip of course. In case there was any confusion. Kal Torak fucked around with this message at 00:48 on May 14, 2015 |
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May 14, 2015 00:46
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Kreez posted:One lovely thing about the Amazon card is that there is no way to not get a statement mailed to you every month. I have like 2 years worth of amazon visa statements unopened in a pile on my desk that I keep meaning to bring to work to shred. Not even if you have an account online with Chase?
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May 14, 2015 01:08
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Cultural Imperial posted:gently caress no I'm not giving Jeff motherfucking bezos my sin. This is stupid, it's attached to your credit report and is required for most financial institutions to have for tax reporting. That's why most automated credit report / applications can give you a multiple choice question with the last 4 digits as a verification question. Ashley Madison posted:Not even if you have an account online with Chase? Afaik it's still a legal requirement in the U.S. To mail statements. They have weird rules around notice requirements and such but I'm really stale on them so this could be wrong.
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May 14, 2015 02:30
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It was optional you retarded sperglord
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May 14, 2015 03:24
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Cultural Imperial posted:It was optional you retarded sperglord This isn't dnd, so try to keep your deep and witty insults from making GBS threads up the thread, thanks. What I'm saying is that the minute you decide to do a credit check to get credit they're going to get it because it's a component of your credit file, so your decision to try to keep it from 'Jeff motherfucking bezos' serves only to increase the risk that they match you with the wrong credit file and deny you out of hand. Good job on the insightful commentary though 
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May 14, 2015 06:31
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