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Risky Bisquick posted:Chase stopped issuing them chase is leaving the canadian market. they sold most of their cards to scotiabank but are still operating the amazon cards (and the marriot card they offered?). it'll probably get sold off as soon as whatever agreement they have with amazon expires
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Aug 29, 2017 05:12
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Aw heck. They'd better not take away free foreign exchange. That was my whole reason for getting one.
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Aug 29, 2017 12:53
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I received more information about my grandfather's estate. Apparently the will is going into probate court this week. From what I've read online this could take between days to weeks to months, though my grandfather lived in a relatively rural part of Ontario (about an hour away from Ottawa) and not Toronto. What exactly happens during probate court? After it's done, does distribution take place? Also, while looking online, I found that Nova Scotia requires ads to be taken out in the Royal Gazette for six months before anything can happen. What is that about?
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Aug 29, 2017 13:31
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If it's going into probate in Ontario why would it be needed to be entered into the Royal Gazette in Nova Scotia? Even if you live in Nova Scotia, it's not your estate.
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Aug 31, 2017 02:04
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Ccs posted:If it's going into probate in Ontario why would it be needed to be entered into the Royal Gazette in Nova Scotia? Even if you live in Nova Scotia, it's not your estate. I think he just found an example of a probate going on in nova scotia. Professor Shark posted:Also, while looking online, I found that Nova Scotia requires ads to be taken out in the Royal Gazette for six months before anything can happen. What is that about? That advert is to advertise the person is dead and that anyone that might have claims to their estate to contact the aforementioned lawyer or person to arrange the estate. I think that advertisement business is only for people that die with no wills.
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Aug 31, 2017 02:19
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Yeah I just came across it and wondered why it was done, thanks for the explanation. Also, I found a website that went through the process of probate in depth!
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Sep 1, 2017 00:18
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Hahaha, loving Simplii. Think it may be time to switch banks. Are any of the big banks decent assuming I can keep the minimum amount to not pay fees?
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Sep 1, 2017 14:36
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Demon_Corsair posted:Hahaha, loving Simplii. Think it may be time to switch banks. Are any of the big banks decent assuming I can keep the minimum amount to not pay fees? Just curious what about simplii is making you want to switch? It seems like other than losing loblaws stores for ATMs and getting more targeted ad stuff from CIBC this is pretty much status quo.
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Sep 1, 2017 14:41
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Why would you switch to full service banking if you were fine with tele/online banking?
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Sep 1, 2017 14:58
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Guest2553 posted:How long does it take before RESP grant money is received? That's something I haven't been able to find on the internets. I've actually been told it depends on the time of the year. If you're requesting it in August like everyone else, then it can be up to 30 business days.
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Sep 2, 2017 22:20
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I've decided to pull my money out of WealthSimple. 
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Sep 7, 2017 04:49
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LOL that they're calling it "halal". Is "sharia compliant" too edgy for white bread old stock canadians? Is "sukuk" too close to sucky sucky or something
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Sep 7, 2017 04:52
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TD and CIBC use "halal", too.
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Sep 7, 2017 12:58
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Rime what does it matter if they offer other investment options on the side?
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Sep 7, 2017 13:32
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I'm not sure if that's only offensive to prejudiced people or prejudiced people and Islamic people.
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Sep 8, 2017 01:55
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It's so loving stupid. Even the loving British refer to these things as Sharia compliant.
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Sep 8, 2017 02:32
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It's all about money and the TAM guys
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Sep 8, 2017 06:08
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I think that a fintech startup which has to waste time and money on gimmicks like that rather than focusing on their core product, when they are already managing a billion in funds, is probably having internal problems. Yes, a lot of other firms offer the same thing, they don't use such obviously weasel marketing to advertise it. Coupled with briefly losing a couple grand during my account transfer, 72-hour+ response times for support, and remarkably poor performance every month since I set up my account, I have no confidence in their ability to actually invest my funds rather than milk them.
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Sep 8, 2017 06:32
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You guys are retarded, when a group of sharia terrorists take over the starbucks while I'm in it and start grilling everyone about their investment platforms I'm going to be safe as gently caress
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Sep 8, 2017 16:48
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Rime posted:I think that a fintech startup which has to waste time and money on gimmicks like that rather than focusing on their core product, when they are already managing a billion in funds, is probably having internal problems. Yes, a lot of other firms offer the same thing, they don't use such obviously weasel marketing to advertise it. Yeah, totally a gimmick and not at all appealing to the over one million Muslims in Canada, dude. VelociBacon posted:You guys are retarded, when a group of sharia terrorists take over the starbucks while I'm in it and start grilling everyone about their investment platforms I'm going to be safe as gently caress hahahaha
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Sep 8, 2017 16:56
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I mean this isn't really any different than "Ethical funds." They're just restricting the investments within the mutual fund to exclude anything that isn't "halal." It sounds overly risky for me, but that's not really fair since I put zero weight into something being halal, but for some people that might be the most important thing.
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Sep 8, 2017 23:18
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I'm thinking about setting up a Savings Account at RBC since the location is more convenient compared to the BMO that I used when I was living at home. Is there anything I need to know about setting one up? They appear to have 3 different types on their website
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Sep 11, 2017 17:02
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Professor Shark posted:I'm thinking about setting up a Savings Account at RBC since the location is more convenient compared to the BMO that I used when I was living at home. Is there anything I need to know about setting one up? They appear to have 3 different types on their website Is it just because of the location? Most online banks (Tangerine and Simplii or whatever the gently caress PC Financial is calling itself now) give you much better interest rate without any real effort.
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Sep 11, 2017 21:54
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mojo1701a posted:Is it just because of the location? Most online banks (Tangerine and Simplii or whatever the gently caress PC Financial is calling itself now) give you much better interest rate without any real effort. EQ has been at 2.3% for a while now.
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Sep 11, 2017 23:24
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Are you posters leaving a significant amount of your liquid assets in savings accounts? Why not a low risk fund or GIC?
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Sep 11, 2017 23:28
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Kal Torak posted:EQ has been at 2.3% for a while now. I just googled them. poo poo, that's pretty good.
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Sep 12, 2017 00:28
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VelociBacon posted:Are you posters leaving a significant amount of your liquid assets in savings accounts? Why not a low risk fund or GIC? Liquidity. Having several months worth of expenses in liquid cash and a HELOC gives you piece of mind.
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Sep 12, 2017 15:23
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Risky Bisquick posted:Liquidity. Having several months worth of expenses in liquid cash and a HELOC gives you piece of mind. Yeah, I think most of us that can are investing anything we can above a few months' cash.
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Sep 12, 2017 17:21
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I guess I feel secure enough that I can pull money from a fund within 2 days so any crazy expenses can be put on my credit card and then paid off with that fund money if needed, and it's still earning me more than it would in a bank account. E: or are you guys hedging against some huge event where you'd be unable to rapidly liquefy your investments reliably like a disaster or global financial collapse?
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Sep 12, 2017 17:26
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Two business days, but yeah, I reason the same way.
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Sep 12, 2017 17:27
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Say you die, your spouse (or vice-versa) doesn't need to worry about waiting for ADD payouts, or how the bills get paid until the estate cash clears. Say you get laid off, and can't find work for some time. 6 months of cash goes an incredibly long way in combination with responsible credit use. 2 Business days to liquidate funds held in canadian dollars perhaps. Otherwise you'd want to norbits gambit your US held monies, which takes time to clear. Or maybe you hate money, and use the bank rates for some reason to get your US currency.
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Sep 12, 2017 17:35
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You can use the bank rate to get a week's worth of money and the norbit the rest.
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Sep 12, 2017 17:49
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Speaking of norbit do you guys just use DLR(U)?
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Sep 12, 2017 17:58
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mojo1701a posted:Is it just because of the location? Most online banks (Tangerine and Simplii or whatever the gently caress PC Financial is calling itself now) give you much better interest rate without any real effort. It's because of location, I want to be able to easily visit and have them do stuff for me that I can probably do online but would probably gently caress up somehow
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Sep 12, 2017 18:12
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VelociBacon posted:Speaking of norbit do you guys just use DLR(U)?
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Sep 13, 2017 02:01
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VelociBacon posted:Speaking of norbit do you guys just use DLR(U)? I use RY. With DLR, at least on Investorline, you need a phone call for the journaling to work - not so with RY.
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Sep 13, 2017 05:46
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Yeah, I generally use RY or TD, neither of which I hold directly otherwise (for better or for worse).
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Sep 13, 2017 06:05
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Looking at a few resources online I've found funeral home sites that claim that probate can take years, if not decades. Some of the Canadian sites I've looked at appear to simply copy & paste this information from American sites, where I assume that might be true, as I've found approximate times for Toronto that suggest probate can go as long as 5 months. Most advise against putting your beneficiaries through probate. My question, separate from my previous one about what to do when getting a Savings Account, is: do funeral homes have a vested interest in estates not having to go through probate? Does it encourage more spending on funerals if money is closer at hand?
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Sep 13, 2017 13:44
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i'm not sure how many goons would be affected by this, but i think this would be the appropriate thread for this:quote:
As of yet I've not seen any publicly available information that speaks to the extent and specifics of how Canadians are impacted, other than what's reported above. Other interesting stuff about Equifax that you might've heard about : 142 million Americans affected. Extent of personal information (PI) breached includes names, addresses, SSNs, credit card numbers. Shortly after the breach was discovered internally, three high level executives sold off a significant number of their shares. Equifax Argentina has a service provider who had 'admin' as the username and password. The same service provider's employees were commonly using a combination of the first initial of their first name coupled with their full last name as login IDs. TL;DR Equifax is dumb and be on the lookout for a letter for more details. If you've ever applied for credit in the US, there's a significant chance you're impacted. Even if you've had no dealings with the US, it's possible based on the limited information given that you might still be impacted.
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Sep 19, 2017 22:41
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More of a legal question, but can the executor of a will in Ontario delegate that to someone else? I'm the executor of someone's will, but in the event I might want to get a firm to do it more smoothly.
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Sep 20, 2017 13:39
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