|
VelociBacon posted:E-Interac transfer is free isn't it? Doesn't work cross border as far as I know.
|
#
?
Apr 4, 2018 21:39
|
|
|
|
| # ? May 31, 2024 22:50 |
|
|
Sure doesn't.
|
|
#
?
Apr 4, 2018 21:41
|
|
|
Whenever I buy ski racing stuff from people in the states we use PayPal because it's easiest/cheapest.
|
|
#
?
Apr 4, 2018 22:57
|
|
|
Bajaha posted:PayPal might end up being cheapest. (source: reddit) Some Reddit post about micropayments posted:
Apparently "Revolut" is the new hot way to micropay?? It's just a buzzword to me, so if anyone has used it, feel free to chime in.
|
|
#
?
Apr 5, 2018 02:52
|
|
|
slidebite posted:What is the go to Canadian travel/points card? I used to work in a credit card retention team with a big bank so I'm not gonna go into what I have.
|
|
#
?
Apr 5, 2018 03:40
|
|
|
slidebite posted:What is the go to Canadian travel/points card? https://brimfinancial.com/features/ This is a new card I've applied for but haven't yet received. Seems like a lot of good travel features on the World Elite version including 0% commission forex, lounge key, boingo wifi + all the regular WE travel stuff like car rental trip/baggage delay medical etc. Only downside is $25k cap on 2% cashback (1% thereafter).
|
|
#
?
Apr 5, 2018 05:27
|
|
|
LOL@ the WE MC being #1 on that list. It's a lovely card, and if you try to redeem your points for a hotel room you end up first of all paying the points equivalent of full retail on everything, and then you have to pay "taxes and fees" that come up to half the value of the room anyway, and good luck ever finding a flight to anywhere on reward points. I mean, I keep mine because it has full rental car insurance built-in and that's always worth the annual fee to me, but it is not at all a good travel rewards card. Any Amex is way better. I personally have the TD Aeroplan infinite card, but that's mainly because I actually use my Aeroplan points fairly regularly.
|
|
#
?
Apr 5, 2018 13:37
|
|
|
Are travel rewards ever better than cash back? i.e. if you compare the points to cash value do they really amount to more and if so, much more?
|
|
#
?
Apr 5, 2018 13:53
|
|
|
I have the Air Miles version of the BMO World Elite card and I love itMantle posted:https://brimfinancial.com/features/ This seems like a better option for 0% foreign fees than the Home Trust Visa
|
|
#
?
Apr 5, 2018 14:48
|
|
|
$120 annual fee for the WE card, but the no annual fee basic card is really just missing insurance + Lounge Key (which isn't that great). Mobile device insurance is probably more useful than roadside assistance for people living in the city if we're comparing the HT Visa. Brim has the startup/there's an app for that! feel, and not sure how I feel about that.Mantle posted:https://brimfinancial.com/features/
|
|
#
?
Apr 5, 2018 15:09
|
|
|
Cold on a Cob posted:Are travel rewards ever better than cash back? i.e. if you compare the points to cash value do they really amount to more and if so, much more? Personally I think so. If you travel a lot and enjoy having the equivalent of a second job trying to min/max your points /avoid getting hosed trying to redeem them then yeah, I'm sure a lot of these cards can translate into "more money". I'd much rather just get $600 dropped into my account once a year to spend on whatever the gently caress I want. I bought a snowboard with my cash back this year. It's a cool and good snowboard and I'm happy with my decision.
|
|
#
?
Apr 5, 2018 15:49
|
|
|
spoof posted:$120 annual fee for the WE card, but the no annual fee basic card is really just missing insurance + Lounge Key (which isn't that great). Mobile device insurance is probably more useful than roadside assistance for people living in the city if we're comparing the HT Visa. Brim has the startup/there's an app for that! feel, and not sure how I feel about that. More than that it's missing half the cash back...
|
|
#
?
Apr 5, 2018 15:58
|
|
|
This post was deemed to be tacky. Whoops.
Sputnik fucked around with this message at 16:33 on Apr 5, 2018 |
|
#
?
Apr 5, 2018 16:00
|
|
|
Is it worth getting a card with travel rewards if I only travel about once a year, usually to Europe? I usually now just use my Costco card, but if I can get, like, lounge access and travel insurance with no forex fees, so much the better.
|
|
#
?
Apr 5, 2018 16:10
|
|
|
Sputnik posted:Holy poo poo, this does indeed look like a way better option compared to HomeTrust. Would it be tacky to start a referral chain of penny pinching Canucks? Someone on reddit said that the user of a referral gets $10, while if anyone signs up five referred, they get $100. A chain won't get anyone $100, but if that redditor was right, it should get us all $10. Yes, this is tacky. Don't do this. quote:These are BAD THINGS. You will get banned or put on probation for them:
|
|
#
?
Apr 5, 2018 16:31
|
|
|
Cold on a Cob posted:Are travel rewards ever better than cash back? i.e. if you compare the points to cash value do they really amount to more and if so, much more? They certainly can be, depending on how you spend money on travel. I'm sure plenty of "point enthusiasts" can point to certain first class rewards on Uzbekistan airways or stays at the Iqaluit Best Western as giving you theoretical returns of 25% of your spending, but for me, unless I was going to take that first class flight or stay in that hotel anyway, they're irrelevant. For me, flying Vancouver <--> Toronto several times per year, I calculate the value of Aeroplan points based on that route, based on the average cost I've paid to fly that route over the past few years. Last I checked they are worth 1.82 cents each to me, meaning a 2% cashback card comes out ahead of a 1 point per dollar spent card, so I don't bother with AP points. If my main flying route changed to Vancouver <--> Sudbury, or Prince George <--> Toronto, I'm sure the AP points would be worth more than 2c to me, and I'd switch to a card earning those. I attend a couple of large conferences in major US conference cities a couple of times per year, where downtown hotels end up costing $500/night or higher when a big conference is in town. I can get ridiculous returns using SPG/Marriott points booking rooms at these hotels, which I'd be staying at anyway, so the SPG Amex is my main card at the moment. If I stopped going to the conferences, the SPG points wouldn't be anywhere near as valuable to me (on a personal vacation I wouldn't be spending $500 on a downtown hotel) so I'd probably go with a 2% cashback card.
|
|
#
?
Apr 5, 2018 19:05
|
|
|
Well poo poo. I just got the Fido mastercard and effective May 23 rd the foreign transaction currency cash back is reduced to 3% from the 4%. Bugger. E: the Brim card looks interesting but feels kinda... Too optimistic and tech startup ish. I don't know if I trust them. Bajaha fucked around with this message at 00:54 on Apr 6, 2018 |
|
#
?
Apr 6, 2018 00:45
|
|
|
Cold on a Cob posted:Are travel rewards ever better than cash back? i.e. if you compare the points to cash value do they really amount to more and if so, much more? Not if you're me! I had an Aeroplan infinite card but never traveled enough to use it. I eventually used the points to just pay down the balance which ultimately worked out to a cash-back rate of 0.25%.  I converted the card to a cash-back infinite earlier this year.
|
|
#
?
Apr 6, 2018 03:23
|
|
|
Yeah what the gently caress is Brim?
|
|
#
?
Apr 6, 2018 03:34
|
|
|
I've bought four round trip business class tickets to Europe the last couple of years with my Aeroplan points, if I had to estimate their retail value I'd have to guess $12k (I actually don't really know how much a business trip flight to Europe costs). I have spent absolutely nowhere near enough on credit the last few years to get $12k in cash back. I mean yeah you have to be a bit flexible (I flew to Stockholm one year when I needed to be in Munich, because the flight was on SAS, and then spent an extra $100 buying a ticket for that extra flight) but it's definitely been more than worth it for me.
|
|
#
?
Apr 6, 2018 13:59
|
|
|
I love that tangerine redesigned their site a while back and decided that the bills page needed to talk about easy it is to track and pay your bills, but doesn't actually give you any way to view any of your bills. Every time I check, then have to go hunting through my inbox to find the pdf of my statement.
|
|
#
?
Apr 9, 2018 03:54
|
|
|
Demon_Corsair posted:I love that tangerine redesigned their site a while back and decided that the bills page needed to talk about easy it is to track and pay your bills, but doesn't actually give you any way to view any of your bills. Every time I check, then have to go hunting through my inbox to find the pdf of my statement. Every time I think of the new design I get triggered. It's so bad in every way. A big reason I switched away.
|
|
#
?
Apr 9, 2018 04:47
|
|
|
Wirth1000 posted:Every time I think of the new design I get triggered. It's so bad in every way. A big reason I switched away. I’ve been considering switching ever since the design change. What else is there worth considering?
|
|
#
?
Apr 9, 2018 13:57
|
|
|
Cold on a Cob posted:Are travel rewards ever better than cash back? i.e. if you compare the points to cash value do they really amount to more and if so, much more? My highly specific experience says so. I live in Iqaluit, and basically the only way out 2-3 times a year, via the airlines that fly out to Ottawa, accept Aeroplan at the same rate as any other domestic flight. So the ~15000 points for the otherwise 2500$ round-trip ticket is a lot more worth it to me than whatever I would get from a cashback card. I would need to spend ~125k with a 2% cashback card for the same ticket I get from 15k (1$=1AP) in purchases - which, in reality, is much lower since TD's Infinite Aeroplan card gives 2x points for groceries and gas, a small silver lining to having to live somewhere with 20$ orange juice and 50$ toilet paper. Kreez posted:... or stays at the Iqaluit Best Western as giving you theoretical returns of 25% of your spending. We don't have a Best Western. 
|
|
#
?
Apr 9, 2018 14:43
|
|
|
The Tangerine redesign hate seems like such overreaction -- yeah, it's a step backwards and it takes me like 30 seconds more to pay bills each time... But is that worth switching to the Big 5 and getting hosed by fees everywhere? 
|
|
#
?
Apr 9, 2018 15:54
|
|
|
Jan posted:The Tangerine redesign hate seems like such overreaction -- yeah, it's a step backwards and it takes me like 30 seconds more to pay bills each time... But is that worth switching to the Big 5 and getting hosed by fees everywhere? I can’t imagine I’d switch to another big bank due to the design change. But if there’s another decent bank similar in scope to Tangerine, I’d at least consider it. I liked the old design. I liked the fact that I didn’t need to press eight buttons to do one thing. The new transaction details is slow and bothersome. I don’t like the idea of categorizing in my bank app. I already use Mint and YNAB and this is just extra noise.
|
|
#
?
Apr 10, 2018 02:50
|
|
|
Does the rest of the country not have decent credit unions? 90% of the people in my social circle in BC use one. Mine doesn't charge any monthly fees (though some of them charge $3-$5/mo), I don't pay any per-use charges outside of 1 or 2 wires or drafts or whatever per year, and I was given an account rep who works 9-5 at my local branch who I can email, call, or text directly, who either remembers me every time I contact her, or does a really good job of quickly looking up the details of my life. A while back I lived a couple years in bumfuck Ontario and signed up at the local credit union, and it was just as good as the ones out here. So what gives?
|
|
#
?
Apr 10, 2018 03:12
|
|
|
I’m in Northern Ontario and my only credit union experience was with my girlfriends prior to her switching to Tangerine. It was Northern Credit Union. Their customer service (in person AND on the phone) was the worst I’ve ever seen. And their fees were higher than mine were with CIBC prior to my switch. And the only other ones are a Desjardin-backed Caisse Populaire (I don’t speak French) and a Community First, who seems stuck in the past. Ain’t much going for Credit Unions for me.
|
|
#
?
Apr 10, 2018 03:22
|
|
|
Oh Northern Credit Union....I have fond memories of desperately wanting them to simply match a mortgage offer from one of the Big Banks, only for them to, in cold, lizard-like intonation, let me know that if I liked the CIBC offer so much then I should walk straight out of their building and go accept it. ...so I did.
|
|
#
?
Apr 10, 2018 04:14
|
|
|
Kreez posted:Does the rest of the country not have decent credit unions? 90% of the people in my social circle in BC use one. Mine doesn't charge any monthly fees (though some of them charge $3-$5/mo), I don't pay any per-use charges outside of 1 or 2 wires or drafts or whatever per year, and I was given an account rep who works 9-5 at my local branch who I can email, call, or text directly, who either remembers me every time I contact her, or does a really good job of quickly looking up the details of my life. I think you need to check the thread title again... I don't know what the deal is. People do the same thing with phone plans.
|
|
#
?
Apr 10, 2018 17:04
|
|
|
What's the benefit of a credit union when my HSBC savings/chequing accounts have minscule fees, I get free e-transfers, my HSBC mastercard has an industry standard rewards program, and I don't have to worry about whether my cards will work when I travel?
|
|
#
?
Apr 10, 2018 18:17
|
|
|
What are the best Canada centric investing news sites that people visit? CCP blog is only updated rarely...
|
|
#
?
Apr 10, 2018 18:23
|
|
|
cougar cub posted:What are the best Canada centric investing news sites that people visit? CCP blog is only updated rarely... https://www.bnn.ca/
|
|
#
?
Apr 10, 2018 18:25
|
|
|
VelociBacon posted:What's the benefit of a credit union when my HSBC savings/chequing accounts have minscule fees, I get free e-transfers, my HSBC mastercard has an industry standard rewards program, and I don't have to worry about whether my cards will work when I travel? Just lol if you’re paying to make someone else money off your back.
|
|
#
?
Apr 10, 2018 18:27
|
|
|
 Got notice my Home Trust Preferred Visa was approved and being sent. I think I applied for it January, maybe early February at the latest? This doesn't bode well.
|
|
#
?
Apr 10, 2018 19:10
|
|
|
Is it just me or has TD.com had its style sheets broken for like... days now? There's got to be a problem on my end because you'd think it's crazy for a bank to just not fix this, and yet it seems like there's at least a few other people on twitter with the same issue.
|
|
#
?
Apr 12, 2018 16:56
|
|
|
Femtosecond posted:Is it just me or has TD.com had its style sheets broken for like... days now? There's got to be a problem on my end because you'd think it's crazy for a bank to just not fix this, and yet it seems like there's at least a few other people on twitter with the same issue. FWIW mine is fine, have you cleared your cache?
|
|
#
?
Apr 12, 2018 17:16
|
|
|
What does a Canadian working and living in the states do for tax advantaged retirement accounts? It looks like I can't contribute to RRSPs or TFSAs while I'm not a Canadian resident and there are potentially significant tax/fee hits from trying to move a 401K or IRA into Canada. edit: I should probably add that I do not plan to retire in the states or seek US citizenship. MagicBoots fucked around with this message at 03:03 on Apr 18, 2018 |
|
#
?
Apr 18, 2018 03:00
|
|
|
Other than opening a 401k and transferring it to your RRSP, find a way to become a deemed or factual resident. quote:The most important thing to consider when determining your residency status in Canada for income tax purposes is whether or not you maintain, or you establish, residential ties with Canada. Guest2553 fucked around with this message at 03:27 on Apr 18, 2018 |
|
#
?
Apr 18, 2018 03:23
|
|
|
|
| # ? May 31, 2024 22:50 |
|
|
Guest2553 posted:Other than opening a 401k and transferring it to your RRSP, find a way to become a deemed or factual resident. Converting to an RRSP is probably the batter way, I wasn't aware that it could be done without using up RRSP room, thanks! Trying to swing Canadian residential ties would be a stretch, I've got an expired drivers licence, a passport and a savings account. I guess I could start paying into a provincial health insurer as well but the transfer looks like the best bet.
|
|
#
?
Apr 18, 2018 03:47
|
|