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Ccs posted:If you work in Quebec for a few years do you end up getting CPP checks and QPP checks when you retire? How does that work? Yes.
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Jul 23, 2017 01:23
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HookShot posted:I was going to do the BMO one but it requires direct deposit from an employer and seeing as I have none, well... I feel like one of my friends said that he opened this account and his "direct deposit" is an automatic transfer from Tangerine that goes back the other way a day or two later.
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Jul 23, 2017 06:25
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James Baud posted:I feel like one of my friends said that he opened this account and his "direct deposit" is an automatic transfer from Tangerine that goes back the other way a day or two later. Really? That works? I've changed my direct deposit so many times over the years. From CIBC to Tangerine, then to TD, back to Tangerine, back to CIBC, then back to Tangerine. It's been a wild ride.
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Jul 23, 2017 14:16
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Rick Rickshaw posted:Really? That works? I've changed my direct deposit so many times over the years. From CIBC to Tangerine, then to TD, back to Tangerine, back to CIBC, then back to Tangerine. It's been a wild ride. No, that doesn't work. Most of these bonuses either require a direct deposit from your employer OR two PAD (utility bills, credit card, etc.) Depending on the bank, a PAD from another bank such as Tangerine may count as one of those two PADs. But not always.
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Jul 23, 2017 18:25
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Kal Torak posted:No, that doesn't work. Most of these bonuses either require a direct deposit from your employer OR two PAD (utility bills, credit card, etc.) Tangerine transfers worked for this BMO promo, and also a CIBC 'Smart' account one that required 1x preauth deposit / 2x preauth withdrawals. Not so confident re: this BMO promo though. But it really depends on whether they flag deposits from Tangerine or the software counts anything and only manual review might get you revoked... terms posted:Set up one (1) recurring direct deposit from your employer or your pension and have at least one (1) direct deposit transaction appear for at least three (3) consecutive months in the Chequing Account no later than January 31, 2018. James Baud fucked around with this message at 05:27 on Jul 24, 2017 |
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Jul 24, 2017 05:24
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I inquired on that BMO one last year and was specifically told by them it had to be either a salary or pension payment. Tangerine transfers won't cut it.
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Jul 24, 2017 05:29
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Lexicon posted:I inquired on that BMO one last year and was specifically told by them it had to be either a salary or pension payment. Tangerine transfers won't cut it. RFD people say otherwise, notwithstanding the one guy right at the end who got static from a rep but did get the bonus anyway. http://forums.redflagdeals.com/search.php?keywords=tangerine&t=1991487 But the wording looks to have changed to more explicitly say so, as I quoted above. Does't mean the software did.
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Jul 24, 2017 05:48
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James Baud posted:Tangerine transfers worked for this BMO promo, and also a CIBC 'Smart' account one that required 1x preauth deposit / 2x preauth withdrawals. It surprises me that it would work for those. I sure wouldn't bank on it, but if RFD says it works, then I guess it works. I've never had accounts at CIBC or BMO but I know for TD and ATB bonuses, Tangerine doesn't work as a direct deposit.
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Jul 24, 2017 15:11
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this probably isn't the right thread, but does anyone have a suggestion for cheap tenant insurance? I'm talking to StateFarm people right now and I'm pretty sure their office is staffed by a group of morons because they're taking days to get anything done.
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Jul 24, 2017 15:34
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BCAA, Intact, TD, RBC. I can't recommend any but there are lots around.
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Jul 24, 2017 15:55
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murked by dragon posted:this probably isn't the right thread, but does anyone have a suggestion for cheap tenant insurance? I'm talking to StateFarm people right now and I'm pretty sure their office is staffed by a group of morons because they're taking days to get anything done. Sonnet.ca
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Jul 24, 2017 15:57
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Try the cooperators for insurance
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Jul 24, 2017 16:00
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James Baud posted:Sonnet.ca Thanks, this was cheap and easy. Took me 5 minutes.
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Jul 24, 2017 16:23
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Evis posted:BCAA, Intact, TD, RBC. I can't recommend any but there are lots around. TD with the employee discount gave me a worse policy at a higher cost than State Farm did without the discount.
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Jul 24, 2017 20:36
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I'm with SquareOne but I've never had to make a claim so don't know how good they are.
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Jul 24, 2017 22:57
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James Baud posted:Sonnet.ca Gardiner ads work!
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Jul 24, 2017 23:38
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Subjunctive posted:Gardiner ads work! I found them from a write-up in the Globe last fall while I was doing research on why life insurance sales is so technologically backwards, don't think they advertise at all out west. 
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Jul 24, 2017 23:42
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I've been planning on cancelling my TD Cashback Mastercard for awhile and TD is finally ending the card and forcing me to do it anyways, what's everyone using for Mastercard nowadays? I was thinking about picking up the Westjet Mastercard for travel rewards
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Jul 26, 2017 16:33
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capital one Costco MasterCard if you're a Costco person
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Jul 26, 2017 16:37
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large hands posted:capital one Costco MasterCard if you're a Costco person I finally got my own membership a few months ago and got this with it. 3% on restaurants and 2% on gas is pretty good. I use my Amazon Visa for everything else, though.
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Jul 26, 2017 16:54
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Tangerine MasterCard just went down to 0.5% back on purchases outside your two or three chosen categories, so you can probably do better than that.
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Jul 26, 2017 23:50
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murked by dragon posted:this probably isn't the right thread, but does anyone have a suggestion for cheap tenant insurance? I'm talking to StateFarm people right now and I'm pretty sure their office is staffed by a group of morons because they're taking days to get anything done. TD insurance has always given me good prices. See if they have some sort of group you can be in that improves your rates. For example, I'm a Laurier Alumni and that group saves me about 10% over the walk in the door rates.
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Aug 4, 2017 03:10
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Just got this email from Tangerine.quote:Dear [the most imperious and handsome God-Emperor Wirth1000], That's nice of them and appreciated it. Except when I called months ago to initially report the issue and politely ask for a replacement client card the customer service rep told me she would have to 100% absolutely disable my CURRENT client card right away leaving me without a card while I waited 7 to 10 business days for my replacement card to show up and there is, unfortunately, no work around whatsoever. Glad to see that was complete bullshit.
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Aug 4, 2017 14:43
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I use apple pay for everything.
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Aug 4, 2017 15:05
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Use a credit card you scrub ed: Let me explain. Does this business take credit card? If yes use credit card collect cashback/points. Do they sell online also? check ebates/coupons/use credit card. You're welcome Risky Bisquick fucked around with this message at 15:16 on Aug 4, 2017 |
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Aug 4, 2017 15:12
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Apple Pay goes through my credit card, scrubling.
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Aug 4, 2017 15:42
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How do you buy things from Amazon? Personally I use bitcoin
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Aug 4, 2017 15:57
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Kalenn Istarion posted:TD insurance has always given me good prices. See if they have some sort of group you can be in that improves your rates. For example, I'm a Laurier Alumni and that group saves me about 10% over the walk in the door rates. Seconding TD Insurance, with discounts I was able to get better home insurance cheaper than what a broker offered me.
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Aug 4, 2017 16:40
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I tried Apple Pay at Loblaws and it locked up the POS terminal and the guy had to reboot it. He said it happens a lot with Apple Pay.
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Aug 4, 2017 19:20
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Blurring the line between my payment cards and my phone is still a barrier I'm not comfortable with.
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Aug 4, 2017 20:05
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At this point I just wish they'd remove the $100 limit on tap purchases. Or at least up it to $200 so I'll never have to put my weekly groceries through via two transactions again. And I could have done my recent vet bill in two transactions instead of three. I can't wait until identification can be run through NFC, then I can finally be wallet-less. Except for restaurants. They gotta figure that poo poo out.
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Aug 6, 2017 23:11
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I thought tap limits were merchant limits?
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Aug 6, 2017 23:14
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I think it's on both sides, but mostly because the credit card companies have said that tap purchases above $100 incur additional risk premiums.
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Aug 7, 2017 01:36
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Rick Rickshaw posted:At this point I just wish they'd remove the $100 limit on tap purchases. Or at least up it to $200 so I'll never have to put my weekly groceries through via two transactions again. And I could have done my recent vet bill in two transactions instead of three. You split up transactions instead of just spending the three extra seconds to use the chip?
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Aug 7, 2017 01:51
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cowofwar posted:You split up transactions instead of just spending the three extra seconds to use the chip? Or forgot their PIN.
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Aug 7, 2017 02:04
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Subjunctive posted:I think it's on both sides, but mostly because the credit card companies have said that tap purchases above $100 incur additional risk premiums. Costco's tap limit is way above 100 - might be 250. Or if this discussion limited to Apple Pay, then I have no idea. Of course, Costco also associates every purchase with a photo ID membership card...
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Aug 7, 2017 02:21
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cowofwar posted:You split up transactions instead of just spending the three extra seconds to use the chip? These are always in cases where I didn't bring my wallet because I didn't plan on spending money / thought I'd be under $100. I never bring my wallet to the grocery store anymore, because I'm usually under $100, or I just do two transactions.
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Aug 7, 2017 02:22
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Anyone have any advice for good low-fee online brokerage sites (not for just TSE)? I'm with HSBC if there is some service associated with them for account holders.
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Aug 7, 2017 17:44
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http://www.moneysense.ca/save/investing/canadas-best-online-brokerages-2017/ is probably a good start.
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Aug 7, 2017 19:12
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I've never understood the love affair that Canadian broker reviewers have always had with Qtrade. There's only one thing Qtrade does better than other brokerages as best I can tell (and I have looked around and made trades in someone else's account) and that's support for holding the more esoteric RESP grants in unrestricted accounts.
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Aug 7, 2017 19:30
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