BoardTracker - Home Finances

saving for a new home..which account?...

Wed, 03 Sep 2008 00:00:00 GMT

we will be saving for a new home...we want to move in 2 yrs (thats the plan) where is the best place to put our $$...a reg saving account.or an e-account.? Im not too sure how that works, but i...

Mortgage Advice for Short Term Home...

Wed, 03 Sep 2008 00:00:00 GMT

We're looking to purchase our first home and would like some suggestions on how to approach financing. We will be keeping this property for a maximum of 2 years, but more than likely 6 - 12 months...

Student Loans listed as "Open" on Credit Report?...

Wed, 03 Sep 2008 00:00:00 GMT

I just got a credit report through transunion, and was surprised to see my old student loans -- which have been paid off for years -- listed as "open". Can anyone tell me why they wo...

Put CC debt into Mortgage?...

Tue, 02 Sep 2008 00:00:00 GMT

Hi, I just found out that a relative is in a serious cc debt. I believe a balance of 29k in his CIBC Aero Classic Visa. This card has an interest rate of 19.50% annual and 0.05% daily. He i...

Changing PIN for Citizen's Bank...

Tue, 02 Sep 2008 00:00:00 GMT

So i just received my atm card and pin code from Citizens. I activated the card and I wanted to change the PIN code. They told me that IT"S IMPOSSIBLE?! ummm...is that true fellow rfd'ers?! ...

dominion royal 5% monthly interest earned...

Tue, 02 Sep 2008 00:00:00 GMT

My friend joined beginning of august and had $700 and he got paid $35 interest on August 31, 2008. His dad's friend put in 15,000K and got paid $750. I put in my money today and hopefully gets pai...

Canadian Mortgage Rates - Going Up or Down...

Tue, 02 Sep 2008 00:00:00 GMT

Hi everyone, I purchased an home about 4 months ago and got fixed variable rate of 4.13. Just looking for advice, should I continue with the variable or lock it in. Whats the outlook for mortg...

Mariott Visa Credit Card...

Tue, 02 Sep 2008 00:00:00 GMT

http://www.marriott.com/rewards/earn-points/points.mi [http://www.marriott.com/rewards/earn-points/points.mi]> scroll down... credit card looks damn nice, but I cant seem to find if there is a...

"also known as" on credit report...

Tue, 02 Sep 2008 00:00:00 GMT

My equifax credit report contains two entries titled "also known as" with slight misspellings of my name. This terminology is usually associated with criminals, and I'm wondering if it...

TD E-Series: Can. index vs U.S/international index fund...

Mon, 01 Sep 2008 00:00:00 GMT

I noticed that all the e-series portfolio always have more % invested in U.S or Intl fund than Canadian fund. The fact is over the last 10 years or since inception, Canadian fund has consistently ...

Paypal Verified Account Question!?...

Sun, 31 Aug 2008 00:00:00 GMT

I have a Paypal account with both Bank Account and Visa linked to it. The reason I have the bank account is so I can sell the items and transfer the funds out. I have a very low < $50 f...

Too much "bad" credit.....

Sun, 31 Aug 2008 00:00:00 GMT

I have about $29k of credit in credit cards. I'm using about $16k for promotional 0% balance transfers. However, some financial distress had arisen and I can't pay for that $16k when the prom...

Cashing a cheque at the bank?...

Sun, 31 Aug 2008 00:00:00 GMT

If somebody writes me a personal cheque and its RBC, can I take it to my local RBC and cash it right away if I have ID? ...

When's Int Paid on Saving Account ?...

Sun, 31 Aug 2008 00:00:00 GMT

Is it usually paid on the last day of the month? (30/31)? Or the last BUSINESS day of the month? (29th, if the 30th/31st are Sat/Sun?) If Its on the last BUS day, then what happens to the ...

Canada Prime Rate...

Sun, 31 Aug 2008 00:00:00 GMT

http://questrade.com/pricing/interest_rates.aspx [http://questrade.com/pricing/interest_rates.aspx]> Questrade interest rates are based off the prime rate. I looked it up, and the prime corpo...

Im getting $100k, what to do with the money?...

Sun, 31 Aug 2008 00:00:00 GMT

Hey everyone, im going to get approx 100k at the end of this year in a settlement (bill 29), got wrongfully laid off by the government. Anyway, just wondering what you would do with the money. I...

Cashing CSBs...

Sun, 31 Aug 2008 00:00:00 GMT

I have a few CSBs, and I was wondering which would be best to cash, the older or newer. Also, is it the first of the month best to cash them, once interest has been added on? So in this case maybe...

joint accounts, creditors...

Sun, 31 Aug 2008 00:00:00 GMT

are joint accounts protected from the spouse's creditors after that spouse dies (assuming the debt was NOT co-owed)? if not, is all the money garnishable? thx! ...

American Express: current US promotion...

Sun, 31 Aug 2008 00:00:00 GMT

Quote: * Enjoy the low APR -- Enjoy a 0.00% APR on purchases for up to 15 months. * Low Balance Transfer APR -- 4.99% Fixed APR for the LIFE OF BALANCE.1 * M...

MBNA to PC MasterCard?...

Sun, 31 Aug 2008 00:00:00 GMT

Hi, Im looking to switch from MBNA to PC MasterCard for the points/features (pay pass) and was wondering if it's worth cancelling a card to do so? Let me know if you need any background info, than...

Advantage of banking with a large bank?...

Sun, 31 Aug 2008 00:00:00 GMT

I've had a Royal Bank account since I was a teen but as a student, switching to PCF was for my banking was an obvious choice because of zero fees. I still have my RBC account that's is rarely used...

Where and what is the price of the condo I can get by 2009?...

Sat, 30 Aug 2008 00:00:00 GMT

I finished my masters last year and luckily I have no debt. I'm 25 (in a month) making 45K a year. The pay might not be much but I like what I'm doing plus I'm sure it'll go up eventually consider...

New Condo Closed (Interim)...

Sat, 30 Aug 2008 00:00:00 GMT

I just got my keys to my new condo. I notice a lot of the things have not been finished and there were NO APPLIANCES... I believe that there are some things that the builder can close without ...

Like after Bankruptcy-Road to recover?...

Sat, 30 Aug 2008 00:00:00 GMT

Hello, I've noticed a lot of people here have a wealth of financial knowledge as to how one can improve their credit score and so forth. Anyways long story short, about 2 years ago I had to de...

Co-sign car lease contract. Is credit score affected?...

Sat, 30 Aug 2008 00:00:00 GMT

If I co-sign in a car lease contract, will my credit score be affected? ...