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Has anyone here ever used Manulife One's all in one account. My wife is kind of on a kick to consolidate things and kind of likes it, it honestly looks like a horrible idea to me but I kind of want to know if anyone uses it.
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Oct 29, 2013 15:39
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n00b posted:I have no idea how I hosed this up, but I did. Filed my taxes with TurboTax last weekend, filled in all the required fields and it gave me an estimated tax return of $50. Looked at my account today and see a RIT deposit for over $2,500, and now I'm slightly freaking out. Honestly, the CRA redo your taxes once they get them. It's more then likely right.
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Mar 23, 2015 17:26
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JibberJabberwocky posted:I stopped working in Alberta a number of years ago when I started my own business. I got a letter a few days ago allowing me to move the 13k balance of my pension from the fund, into a locked-in account. So my pension plan is insolvent, and I definitely want to get that money out of there. So do you make enough that you can knock out 11k in 4 months or is it 4 years. If you make enough money that you can knock off 11k is 4 months, try a risky investment with the money
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Apr 8, 2015 18:21
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JibberJabberwocky posted:I can knock out 11k in 4 months. I run my own business and do about 44k net from that a year, and I'll be entering articling as a law clerk which pays okay. You could always roll the dice on an oil company, Canadian Oil Sands is way under valued and Cenovus is a bit under valued if you can get into it in the next few days. I don't follow some of my legacy stocks all that closely and it seems my CPR stock is currently worth around 70 grand since I last look, gently caress me.
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Apr 9, 2015 17:16
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DariusLikewise posted:Thank you Americans who took over CP!Can I have my job back please CP has always had horrible turnover like every 10 to 15 years. I honestly don't believe any other company operates more in a state of Civil War with itself then CP, it use to be worse when it was like 7 different divisions.
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Apr 9, 2015 20:12
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Franks Happy Place posted:Are you kidding me? Seattle roads are so shockingly bad that every time we go down my (American) wife turns to me and says "WE WILL NEVER MOVE BACK HERE". Image driven from Windsor which is a shithole onto the I75 in Michigan and you honestly wonder why anyone moves to the US at all.
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Apr 22, 2015 00:28
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cowofwar posted:For those of us with anxiety about topping up the TFSA immediately: Given I've never put a dollar in my TFSA (thank you gold pension) should I put some away?
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Apr 22, 2015 18:16
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Mantle posted:I don't know if this is a sarcastic comment or not so I'll treat it seriously. It's honestly part sarcastic and part I phrased it badly. The honest part is how long can I keep the unused portion to fill up later (I have a government pension).
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Apr 22, 2015 20:06
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tuyop posted:Lexicon, I have like 20% Canadian equity, 10% Canadian bonds, 10% Canadian REITs. What's going to happen to me in the next like 5-15 years? Sell your REITs
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Apr 25, 2015 23:41
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HookShot posted:How long does it take for an order of e-series to go from "open" to "executed" in TD webbroker? I assume a few business days? Scotiabank once denied me because I closed an account with them after finishing school and didn't need it anymore. I was wondering what you where all doing that you owed so much money, but I guess self-employed. They owned me 7k
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May 6, 2015 17:30
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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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My wife wants to consolidate our bank accounts due to the fact we have been married for three years now and bank two different places, this would be fine but she always wants to consolidate all our debt at the same time and pay it all off a little faster. We owe about 40k between my student loans (which at current pace will be paid off in Dec) and hers (two years) as well as about 25k that went into failed IVF treatments, and before you say anything we make more then enough money to carry that debt. If there any bank that won't punish us for consolidating all that into one payment?
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May 14, 2015 15:27
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spoof posted:Is there a HELOC you can tap? I'd prefer not too.
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May 14, 2015 17:06
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It's better then those loving PC points that get you nothing.
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May 25, 2015 16:13
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I"m not saying PC points aren't useful, I have like 80 bucks of them (because I always get the offers) but too much of the stuff doesn't earn you points and it annoys me to give up some of my shopping habits for points.
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May 25, 2015 20:07
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If the PC points work anything like the US versions of the cards they track pretty much everything you buy.
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May 26, 2015 16:47
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If you want to have easy access to that money in Canada but live outside of the country find a Canadian banks local division and put your money there, it works great.
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Jun 15, 2015 15:18
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Kal Torak posted:The BoC has cut interest rates another 0.25%. Once again, it is going to be interesting to see how the Banks respond to this. Even cheaper lending so more people buy bigger houses and it all falls down.
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Jul 15, 2015 16:00
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Skizzzer posted:My parents just offered to sell me their rental property, the timeline for that I'm guessing is ~2 years from now when they retire. I have no plans myself to buy a house in the near future, I am just fine with renting and I think it unlikely to find a place to buy downtown which is where I work. I work for the government and I think I'll have a nice pension, but I won't know the details until I attend a seminar in late November. Which branch of the government do you work for. If's its the Federal government they will openly tell you that you don't really need a TFSA, RRSP for the first 15 or so years of your career and to use the money to pay down a house. This may have changed if you joined the plan past the 35/65 rule. For right now if you are in the Fed. look at saving to buy a house maybe using a TFSA for tax breaks but it's won't match your pension breaks.
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Oct 27, 2015 16:21
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Guest2553 posted:I had a discussion with someone earlier who told me about a $5000 prepaid credit card he uses as his emergency fund. Apparently, the company pays 5% interest per annum on positive balances, making it better than nearly any other fixed income option out there. It's a loss leader geared towards people with lovely credit who are more likely to overdraw and rack up fees, but he made it work for him. seriously, that's a pretty loving great place to stash money.
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Nov 20, 2015 15:12
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cowofwar posted:You probably can't withdraw the balance, only credit it against your spending. true but as a place to stash money while making a small purchase every once and a while to cover cost it would work well.
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Nov 23, 2015 16:54
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Did the 10k stuff get passed or was it just an election promise?
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Dec 10, 2015 21:31
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Also the whole thing might get scraped if the Federal governments agrees to raise the CPP rate, maybe no one knows. You also don't pay into if your company has a pension plan sbaldrick fucked around with this message at 18:08 on Jan 6, 2016 |
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Jan 6, 2016 18:02
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Ikantski posted:I'm a nutbag, explain to me how mandatory defined benefit pension contributions aren't a tax? It's a tax demanded by the government for a specific facility. You pay $x and you get roads, you pay $y and you get food inspection, you pay $z and you get some monthly bingo cash when you're old. It's basically an attempt to make sure you don't starve to death on the loving street when you're old. It's that loving hard to understand.
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Jan 12, 2016 17:31
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Baronjutter posted:Maybe it's like when they officially tried to make sure government office buildings look crappy to not upset the tax paying peasants the government wants really bad web design so no one gets upset at opulent government web design. The government's modern wed design is somehow even worse. Be glad you can't see it because it's everything horrible about web 2.0
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Jan 30, 2016 23:46
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Rick Rickshaw posted:I've been waiting for the day when the CRA finally comes after my tenant/roommate/friend for his student loans, and he just received a letter from the CRA last week. I can't imagine that it would be anything else but a final notice that they will begin taking legal action on his loans. The CRA rarely does wage garnishment for student loans and unless he makes a ton of money he can get the 500 bucks cut in half.
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Feb 3, 2016 22:43
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Rick Rickshaw posted:Hmm, all I know is that the monthly payment they wanted from him a couple of years ago was around $400. I assumed that would have went up due to lack of payment. And I've heard the CRA can garnish up to 25% of your wages, maybe more. It doesn't go up for lack of payment as far as I know but they will give you a break based on how much you make. But you have to pay them for it to happen.
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Feb 3, 2016 23:26
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Aagar posted:Not directed at you specifically, Pawl, but a general question: when, as a society, did we decide what "counts" as debt when discussing it with others? It is commonplace to hear someone say, "well I'm debt-free except my mortgage" or "I have no debt except student loans" as if these don't count. Debt free but your mortgage is pretty good given you have to live someplace. So provided you didn't overextend yourself on that it's ok. Like 2 months from now I finish paying off my student loans and a line of credit we took out for IVF. After that we are down to our mortgage which is less then a grand a month, that's nothing based on what we make.
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Feb 18, 2016 20:42
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I'm getting laid off from my lovely government job and given my pension will amount to 200 bucks a month when I hit 65 I'm pulling it despite the pension. Is the TD eseries the best place to park that money long-term, given the thread seems to like there service?
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Mar 6, 2016 20:51
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I think it's more that we can't believe Canada hasn't had some kind of correction.
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Mar 11, 2016 00:36
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Rick Rickshaw posted:But does it actually effect our day-to-day lives / investing decisions? I hope not. I haven't sold some holdings just because I feel what I have is pretty stable despite losing imaginary money in it this year. Mostly because I can't think of any company that's going to provide me the same kind of place to store money long term.
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Mar 15, 2016 15:15
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Dreylad posted:BMO seems perpetually behind the times on almost everything. I love my BMO account because they let me make deposits from my US account (at a different bank) without a hold but once I pull my pension I'm switching to TD.
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Mar 29, 2016 16:29
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Jan posted:Seriously. gently caress TD. Their Indexed Funds website is horrible Web 1.0 garbage that does not need encouragement. I just went to TD because they are light years ahead of the other banks for management
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Apr 14, 2016 00:19
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I'm not sure how it's possible but somehow Turbotax became worse to use then just doing it by hand.
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Apr 20, 2016 19:48
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I just picked the first one on the CRA website.
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Apr 20, 2016 22:34
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mojo1701a posted:Oh, I forgot to mention that I can't. I only got a few cheques from when I first opened the account, and I've used them all up a couple of years ago. cashiers cheque?
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May 2, 2016 20:15
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Vatek posted:Banks usually charge a fair bit for those, or at least TD does. $7.50 or so last time I got one. drat, that's a lot more then the last time I got one.
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May 2, 2016 23:10
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anitsirK posted:What would you do with money intended for use for purchase of a car somewhere between 1.5 and god knows how many years from now? Imagine you're starting with ~$15k and will be contributing about $600/month. The wishy washy timeframe is also why I almost posted this in BWM - the money is intended for the purchase a Tesla Model 3. TFSA for sure, but what within that? I know enough to look for something boring given the (relatively) short timeline, but would welcome suggestions. Something available through RBC DI would be super convenient. Don't buy a Tesla as there are still some questions on how the battery does in cold weather long term unless it's going to be in storage for the winter. Also TD rolled a speading tracking thing as part of there app today.
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May 12, 2016 19:37
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jm20 posted:TD myspend was available to the public since early April I never noticed it before.
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May 12, 2016 21:20
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HookShot posted:If you stick AAs in the fridge overnight they hold their charge a bit longer, I assume a car battery is exactly the same, it'll be fine. I honestly want a Tesla 3 too, but it's a real worry as not a ton of long term testing has been done.
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May 12, 2016 23:37
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