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Any recommendations of which e-series fund to get? There's quite a few: TD Canadian Bond Index - e TD Canadian Index - e TD Dow Jones Industrial AverageSM Index - e TD Dow Jones Industrial AverageSM Index ($US) - e TD European Index - e TD International Index TD International Index Currency Neutral TD Japanese Index - e TD Managed Index Aggressive Growth - e TD Managed Index Balanced Growth - e TD Managed Index Income - e TD Managed Index Income & Moderate Growth - e TD Managed Index Maximum Equity Growth - e TD Nasdaq® Index - e TD U.S. Index - e TD U.S. Index ($US) - e TD U.S. Index Currency Neutral - e As for changing banks, I would look at PCFinancial for day to day banking, also possibly ING Direct. I'm currently only with TD due to having special needs (I need a US based account, which only they and RBC offer out of everyone in Canada as far as I can tell).
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Sep 25, 2013 18:09
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tuyop posted:PC Financial is awesome, you get grocery points for spending money! That's probably the best way to go about it. I tried using TD's "Easyswitch" thing and it was a huge pain. You have to give them all the account numbers/details for your old accounts and then it can take something like 30-60 days for your old bank to actually send the money over and of course they drag their feet as much as possible. Considering you could just go do it all in one day by visiting your old bank in person it's really not worth the supposed "easyness" of their service.
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Sep 25, 2013 18:31
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Cool, thanks for the tips and info 
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Sep 25, 2013 19:05
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cowofwar posted:Not really, loyalty is over-rated. I use RBC and MBNA for credit; RBC and ING for chequing; ING, Ally (now RBC) and Hubert for savings; and MDFinancial for investments. I'll be closing down my RBC accounts once my free student accounts end when I finish grad school. Paying for a chequing account is dumb. Pretty sure some credit union beat them to the punch there early this year. But still a pretty cool feature.
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Sep 25, 2013 19:45
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Are you sure it's not those tricky credit history based identification questions? I've had those when opening bank accounts and such before and they often seem to ask fake questions where the only right answer is none of the above.
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Oct 7, 2013 19:26
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Maybe this is a dumb question... I successfully signed up for the e-series with TD. Is there a way I can make my own portfolio of the recommended funds set to the percentages I want or do I have to manually split my contribution across the 4 funds I want and have each one show up separately and do 4 separate contributions each time?
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Oct 10, 2013 18:46
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Royal used to be able to issue me one off generic cheques. I don't think they were very personalized though. It might not even have your name on it? TD charges and absolute arm and leg for cheque books, though I think when I opened my account there the guy asked if I needed any temporary cheques to tide me over until ones could be delivered.
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Oct 19, 2013 02:19
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I have the aspire world mastercard that gives 2% toward travel purchases. It's a flat 2% on everything but the redemption is a little annoying. It's in tiers until you hit about $600 at which point you can redeem for exact points -> dollars conversion. Below that point you have to pay a set number of points for a dollar range (like X points for anything between $200-$350 where X is $350 worth of points). It has car insurance plus some travel insurance stuff like trip delay, lost luggage and trip cancellation. The down side is the fee is $120/year but all but $20 of that is covered by a yearly 10,000 points bonus. The only annoyance I've had with it is that it seems like a lot of places are now splitting their fees apart. Like when you buy a plane ticket they divide each way of the trip into separate charges on the card which screws you over when you want to redeem flights. You can use the travel redemption for anything that they deem travel related though so hotel stays, car rental and I remember some people used to even be able to get their toronto bus passes covered somehow since the price bands for that worked out and a transit pass was considered travel.
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Oct 30, 2013 22:03
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HookShot posted:I guess they usually make enough of a profit that they don't care. I honestly don't know enough about how much they make to tell you why they allow it, but they do. I'm sure the percentage of people who take advantage of switching cards every year or whatever for the benefit is very small. It reminds me of the time that BC Lotteries had a promotion where they gave you $100 or something if you signed up to their online gambling site. You had to gamble it all at least once then you could withdraw however much you had left back into your bank account. The deals sites came up with a great trick where you bet on bakarat and are guaranteed to get all your money back minus maybe a couple of dollars then you could withdraw and collect your free money from the site. People were sure they would cut the deal off because of all the people taking advantage of that loophole but apparently BCLC released some numbers and it was something like over 95% of people that took advantage of the deal just gambled it all until it was gone (and probably put in more of their own money too). Oh, also on credit cards, I use the capital one aspire world card because it gives a 2% return and you pay for travel directly by getting them to knock charges off your bill so you don't have to worry about taxes/fuel fees and stuff like the flight points cards I guess. Plus you can use it for whatever flight/airline/travel expense you want as long as it's over $600 to get the full value for your points and you aren't restricted by carriers, etc.
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Dec 9, 2013 22:38
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Lexicon posted:I'm personally responsible for at least 10 people getting their free $100 out of that deal. And while most people who signed up for the bonus may have gambled it away - I dispute that the loophole was not a complete-fuckup on their part - the only conceivable reason to not shut it down was the possible expense of fixing it, or more likely, the BCLC's desire to save face. As I recall, their baccarat implementation had a way to place a bet with 0% risk - so you could 'launder' your bonus into withdrawable cash. No other real casino or gambling site on the earth would permit this move Also I'm pretty sure they no longer offer baccarat on their site afaik.
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Dec 9, 2013 22:51
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Lexicon posted:I'm quite surprised the site is still running, to be honest. It had the distinct feeling of an expensive, failed experiment last I heard it mentioned. I only knew it was running still because they did another (smaller) giveaway earlier this year that I was somehow able to make a new account to take advantage of. This time the best option was some kind of pachinko game or something where I pretty much broke even or even made a bit before taking my winnings.
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Dec 9, 2013 23:39
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slidebite posted:Slightly related... I used one for my point and shoot camera. It was a bit of a pain but it did work. Make sure you read the terms though. Mine says "doubles the manufacturer's warranty* *up to one year" So basically extends the warranty by a year. They also wanted me to send them a copy of the original mfg warranty, proof of purchase, credit card statement showing the purchase AND you had to get a repair estimate from a repair shop (can't remember if it had to be dealer/mfg authorized or not). Then after they get all that they'll approve it, then you can get it repaired, then they mail you a check some time later for the cost of the repair. I was able to cut some corners on all that and it still went through, like I had to google around to find the canon warranty on their site rather than the one that comes in the box. I didn't have the original receipt but I think the CC statement plus a screenshot of my confirmation email from dell that I had ordered it or something like that was ok. A bit of a pain of a process, not sure if the in-store style extended warranty is easier though. Plus you're out of pocket the repair cost until they reimburse you.
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Dec 31, 2013 20:51
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Lexicon posted:It's not 100% topical for this thread, but may be of interest (pardon the pun) here regardless: On CBC radio this morning they were digging into the story a bit deeper. The couple say they only agreed to the loan in the first place because the dealer promised them that if they made their payments for a year they could come back and refinance at a more reasonable 5%. So they came back a year later and then got turned down. They went to their local TD branch and apparently when they showed him the paperwork he had a hard time believing his bank would have given out a loan with interest that high. I guess TD has recently got into car loans in a big way after purchasing a big car loan company. I suspect that it's probably this previously independant company just continuing on the way it always has been giving out these crazy interest loans while TD was hoping nobody would notice their name on the top of the paperwork?
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Jan 6, 2014 17:54
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Doesn't seem as nice to me as the Aspire World mastercard (http://www.capitalone.ca/credit-cards/aspire-travel-world/) except for the lounge access and car rental discount? The Aspire one is cheaper annually especially with the annual points bonus. The Aspire one lets you spend the points on any travel as long as it's charged to the card. The BMO one seems to use a customized booking site, so it's only for flights? The catch with the aspire one is it's best used for charges $600+ otherwise you get into price bands where you are not using your points efficiently. And annoyingly a lot of airlines seem to break out their flight charges individually by person and for each direction of the flight. So for instance a return flight Vancouver to LA for 2 people shows up as 4 smaller charges on my card instead of 1 big charge that I can use my points on efficiently.
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Jan 27, 2014 19:58
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I was with RBC all my life until a few years ago when they were replacing employees with TFW's so we switched to TD. Those are the only two banks I know of that let you have true cross border banking so even though TD is kind of expensive we are stuck with them. I will admit the long hours at most branches is nice though.
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Mar 21, 2018 16:05
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cowofwar posted:I’ve used Tangerine now for years with no problems. I will admit RBC is better at the cross border stuff. They let you transfer money between the Canada/US accounts via the web interface whereas TD requires you to call in and talk to an actual person to do the transfers. I think I was able to be issued a debit card for the US RBC account from Canada too. With TD I had to actually visit a US branch to get a card which was a little inconvenient since I live on the west coast and TD USA only has branches back east. It's just too bad about the temporary foreign workers
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Mar 22, 2018 03:57
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Our broker said that some providers actually give you better rates if you put less down since they'll be making more on the interest. I don't know that putting down >20% would necessarily get you any better rate
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Oct 6, 2020 23:27
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slidebite posted:A big benefit I like with Simplii is that CIBC machines are handy for me for paper deposits and cash withdrawals. Yeah I got my crt settlement. The E-transfer went through for me. And a friend of mine got theirs too with no issues
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Nov 20, 2022 20:39
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