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If you're talking about a private company's shares that you can actually sell for a healthy profit, talk to a real accountant, other crap like the lifetime capital gains exemption may be in play ... preferably before you sell, particularly if a nontrivial amount of money is in play. Anything interesting that's public knowledge happened recently with your old startup? On the surface, it doesn't look like it would count as a CCPC as of a few years back which may make that whole section you're looking at not relevant, either...
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Feb 28, 2018 05:55
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Has anyone claimed Moving Expenses before? My fiancee and I moved about 250km away in January 2017 for new jobs. I was filling out all the expenses on SimpleTax and I ended up with a 12k deduction mostly made up of legal and real estate fees for selling our old house and buying a new one. That can't be right?
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Feb 28, 2018 21:30
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So did passiv.ca die?
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Mar 1, 2018 03:30
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Seems to still be working for me, though it's getpassiv.com, not passiv.ca.
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Mar 1, 2018 06:11
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DariusLikewise posted:Has anyone claimed Moving Expenses before? My fiancee and I moved about 250km away in January 2017 for new jobs. I was filling out all the expenses on SimpleTax and I ended up with a 12k deduction mostly made up of legal and real estate fees for selling our old house and buying a new one. That can't be right? That's not that crazy, the deductions allowed are generous. I've done it but I wasn't buying/selling so my deductions only came to like $3k or so.
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Mar 1, 2018 13:14
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I've claimed moving expenses a couple times, both got reviewed (and allowed), though one large employer said they'd never been asked for a letter confirming they'd paid zero in relocation before (the cheapskates...)
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Mar 1, 2018 17:50
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Fenrisulfr posted:Seems to still be working for me, though it's getpassiv.com, not passiv.ca. Huh, yeah that works -- thanks!
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Mar 1, 2018 19:04
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Goddamnit, I know it's officially tax season since I had a stack of receipts on my desk to add up, and I sit there wondering how people can spend so much money (or any at all) on homeopathy. Did you purchase the shares originally using a company stock option, or are they regular shares? The deduction you're talking about there is only on employment income for exercising stock options. It doesn't affect capital gains at all. The only exemption you get on capital gains are on qualified small business shares and farm/fishing property. I forget the exact number, but it's slightly more than $800k.
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Mar 2, 2018 20:01
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Speaking of taxes. Fuuuuuuck Phoenix and everyone who touched it. My problems were pretty minute (a couple grand one way or another), but oh my god they're a hassle to deal with, and every time someone touches them they just get more screwed up. And I haven't worked there in nearly two years. Goddamn.
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Mar 3, 2018 01:52
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Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. Are any of the travel cards worth it without going through hardcore churning route? poo poo, I just realized I really need to get on replacing my Amazon card asap.
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Mar 5, 2018 18:43
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Demon_Corsair posted:Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. HSBC gives me 1% cashback on everything (I think).
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Mar 5, 2018 18:46
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Demon_Corsair posted:Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. For foreign currency transactions, Home trust visa and Fido are probably the best free ones. Home trust Visa is 1% cash back on all transactions and no foreign currency transaction fee Fido MC gives you 4% cash back on foreign transactions, but you still pay a 2.5% transaction fee. So practically 1.5% cash back. Note: If you buy something with the Fido card but refund it, you will get dinged a 2.5% transaction fee on the refund as Fido takes back their 4% cash back.
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Mar 5, 2018 19:01
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Has anyone actually managed to get a Home Trust Visa? I think it's been like 2 months since I applied and they keep asking me for documentation but still no card approval.
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Mar 5, 2018 19:09
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namaste friends posted:Has anyone actually managed to get a Home Trust Visa? I think it's been like 2 months since I applied and they keep asking me for documentation but still no card approval. I applied about a month ago and haven't heard a peep from them. I ended up going to http://www.greedyrates.ca/ and just finding a card I liked from there, which is partially how I found the amazon.ca card we all liked before.
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Mar 5, 2018 19:22
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Demon_Corsair posted:Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. I do a lot of shopping at Superstore and the combo of 3% back on their World Elite Mastercard at their stores (Shoppers, No frills, Esso, etc) and the "PC Optimum" points/coupon system gets me at least $20/month back on stuff I'm already buying.
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Mar 5, 2018 19:40
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I applied at about the same time and haven't heard anything from them at all. Time to call in?
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Mar 5, 2018 19:53
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namaste friends posted:Has anyone actually managed to get a Home Trust Visa? I think it's been like 2 months since I applied and they keep asking me for documentation but still no card approval. Applied sometime in January, got my card several weeks ago. 
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Mar 5, 2018 20:40
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Demon_Corsair posted:Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. I picked up the BMO World Master Elite Air Miles or whatever its called and I've been pretty happy with it. Between that card and shopping for the specials at Sobey's I've racked up 2000 Air Miles since the beginning of December.
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Mar 5, 2018 20:50
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I've been happy with the MBNA world elite or whatever it's called. $89 fee but waived for the first year plus $100 sign up bonus means pretty much free for the first two years. 2% back on everything with no limit, can be redeemed as statement credit with a minimum of $50 redemption. Haven't found a better cashback card than that so far. E: anybody have any suggestions for better cash back cards? Some of the newer offers seem to be getting better but it still seems like Canadians get shafted on rewards cards The Fido card for US purchases is pretty good, but thing to note is that if you don't have a rogers or Fido service then you have to call before December to request a cash back cheque. The statement credit throughout the year can only be applied to rogers and Fido charges. . Bajaha fucked around with this message at 23:06 on Mar 5, 2018 |
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Mar 5, 2018 20:58
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spoof posted:I applied at about the same time and haven't heard anything from them at all. Time to call in? Did you ever get an email thanking you for your application? I applied in January, got the thank you February 5 and haven't heard anything since. I have to go to the US in a few weeks and don't want to have to resort to carrying cash 
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Mar 5, 2018 22:30
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Loblaws bread dividend card arrived!
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Mar 5, 2018 23:43
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On the topic of taxes, the university I work for decided last year to stop deducting income tax on T4A fellowship income. This is good for students, since they shouldn't be paying tax on that money, but lovely for post-docs, since we are required to pay tax on our fellowships. Unfortunately the university codes these the same, and just stopped deducting tax for everyone. I had to start an email chain that elevated up to the university head of finance in order to get them to start deducting income tax again, which they eventually did in December. Anyway, it made my taxes fun this year, since I had to estimate what I owed for the half of the year I wasn't being taxed. Thankfully I overestimated, so had some extra savings to toss into my TFSA. I'm genuinely worried about other post-docs who may not be as responsible, though.
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Mar 6, 2018 10:23
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Can I just say.... I absolutely despise Tangerine's new design. The way they've set up the overall flow of things is annoying as hell. The Bill system is a god drat mess.
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Mar 9, 2018 20:18
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Still haven't heard a peep from that home trust credit card, nothing a month later. Meanwhile the PC Financial Mastercard I applied to last week has arrived.
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Mar 10, 2018 00:08
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Wirth1000 posted:Can I just say.... I absolutely despise Tangerine's new design. The way they've set up the overall flow of things is annoying as hell. The Bill system is a god drat mess. Agreed, it was a step backward in every way.
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Mar 10, 2018 02:20
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James Baud posted:So, this is peripherally finance related in one of the few Canada threads on the forum. Sorry for the late response. My father uses https://www.copemanhealthcare.com/ and seems happy with them.
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Mar 10, 2018 02:29
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VelociBacon posted:Sorry for the late response. My father uses https://www.copemanhealthcare.com/ and seems happy with them. Much appreciated, there are only a couple of them here but positive reviews never hurt! Since my last post, I've been to the doctor yet again and strung along to make another visit to address the referral I need (that will be #4 since "I really think I should do a referral re: thing") Each of these visits is two hours of my time, such bullshit.
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Mar 10, 2018 02:39
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James Baud posted:Much appreciated, there are only a couple of them here but positive reviews never hurt! That's really unfortunate. The system being free (for the most part) does lead to some bottlenecks and while I work in acute care I certainly see enough of the outpatient stuff to know it's not ran very efficiently. I'm happy to help if you have any questions about terminology or certain tests etc, just PM me. I won't be able to help you get anything done faster though. Respiratory stuff is my specialty.
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Mar 10, 2018 04:07
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With the Americans set to crash the market again, should I start looking at pulling my money out of stocks and into GICs or some poo poo soon? Didn’t start investing until part year so I don’t know how bad the crash hurt Canadian stocks.
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Mar 11, 2018 22:59
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Looking for thoughts on my allocation. I'm ok with risk and long term returns. Semi-targeting FIRE with no hard deadline.
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Mar 11, 2018 23:08
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mr.belowaverage posted:Looking for thoughts on my allocation. I'm ok with risk and long term returns. Semi-targeting FIRE with no hard deadline. Aren’t three of those funds overlapping? You have Canada, US, and North America. Why not just get one total market fund?
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Mar 12, 2018 00:14
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cowofwar posted:Aren’t three of those funds overlapping? You have Canada, US, and North America. Why not just get one total market fund? My thinking was some more aggressive movement in the US Div fund and a bit of hedging against US market in the Canada fund. Maybe that makes no sense. Whole market fund suggestions?
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Mar 12, 2018 00:18
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mr.belowaverage posted:My thinking was some more aggressive movement in the US Div fund and a bit of hedging against US market in the Canada fund. Maybe that makes no sense. If I wanted more dividend exposure I might go with a bond fund, dividend fund, and total world ex canada. It depends if you want exposure to Canada and whether you want overweighted exposure to the US. Personally I am VAB and VXC
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Mar 12, 2018 02:07
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cowofwar posted:If I wanted more dividend exposure I might go with a bond fund, dividend fund, and total world ex canada. It depends if you want exposure to Canada and whether you want overweighted exposure to the US. I do want some exposure to Canada directly, to capitalize on its occasional moves out of pace with US market. Plan would be to still rebalance after those periods as usual. I don't know that I wanted more exposure to dividends so much as I wanted exposure to those stocks in that fund as a sort of blue chip group at the higher end of the total market. Thoughts on that? VXC is nice excluding Canada, but VIU excluded North America and seems like a good bet to capture global exposure when the US is out of pace, as Canada is just tied to US market so intimately anyway.
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Mar 12, 2018 03:25
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Is it me or does Tangerine not do instant bill payments now? Before I'd select 'Now' and then hit pay and it woulda instantly deduct. Now it ... schedules it every time. It just got scheduled to midnight tonight. Is this a bug or working as intended?
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Mar 13, 2018 02:46
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Wirth1000 posted:Is it me or does Tangerine not do instant bill payments now? Before I'd select 'Now' and then hit pay and it woulda instantly deduct. Now it ... schedules it every time. It just got scheduled to midnight tonight. Is this a bug or working as intended? I think I paid a bill March 1 that went through right away. Used the iPad app if that matters.
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Mar 13, 2018 03:07
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Wirth1000 posted:Is it me or does Tangerine not do instant bill payments now? Before I'd select 'Now' and then hit pay and it woulda instantly deduct. Now it ... schedules it every time. It just got scheduled to midnight tonight. Is this a bug or working as intended? My credit card payments used to be immediate, but now take a day. I don’t know what changed, but I noticed it too.
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Mar 13, 2018 08:25
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Excelsiortothemax posted:With the Americans set to crash the market again, should I start looking at pulling my money out of stocks and into GICs or some poo poo soon? Didn’t start investing until part year so I don’t know how bad the crash hurt Canadian stocks. http://canadiancouchpotato.com/ http://canadiancouchpotato.com/2012/05/17/why-i-have-no-faith-in-market-timing/ http://canadiancouchpotato.com/2013/12/30/the-failed-promise-of-market-timing/ I mean, if you want to gamble on market timing, go ahead. But frankly the only thing riskier than trying to time the market is asking a bunch of strangers on a comedy internet forum to time the market for you.
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Mar 13, 2018 18:40
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The closest I came was shifting my bond holdings from VAB to VSC cause I was pretty sure interest rates were gonna rise.
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Mar 14, 2018 02:14
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If anyone's still waiting to hear about their Home Trust visa application, I just got notification that mine was approved. It took nearly 6 weeks.
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Mar 16, 2018 18:47
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