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I would just like to note I am still super happy with Questrade since switching from TD a year or so ago, and highly recommend it for others as well. Decided I wanted to buy some things in USD later, so did the Norberts Gambit. Pop open their chat to request the journaling, connects instantly with a support person, request completed within 2 minutes. Quick and easy. TD has no chat, and if you email them it usually takes 2-3 business days for a reply. Calling them I was usually waiting on hold for awhile, and also forced to talk to a person. Text chat is always preferable to me if it's an option. 
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May 16, 2018 20:00
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The Butcher posted:I would just like to note I am still super happy with Questrade since switching from TD a year or so ago, and highly recommend it for others as well. What stock do you use for the Norbert's Gambit, if you don't mind me asking?
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May 17, 2018 15:07
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I've always used DLR and DLR.U
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May 17, 2018 15:10
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Yeah it appears DLR is specifically designed for that purpose. No risk of the stock moving unfavorably while waiting for journaling/settlement.
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May 17, 2018 20:21
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The Butcher posted:I would just like to note I am still super happy with Questrade since switching from TD a year or so ago, and highly recommend it for others as well. I should get around to finally switch switching to questrade. Been with TD since I was born but now that I often do daily trades on the stock market, ive been using TDs advanced dashboard. While it's OK I checked out questrades active investor platform and it's a heck of a lot better. More specifically it has my VWAP technical indicator.
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May 18, 2018 05:40
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Joink posted:I should get around to finally switch switching to questrade. Been with TD since I was born but now that I often do daily trades on the stock market, ive been using TDs advanced dashboard. While it's OK I checked out questrades active investor platform and it's a heck of a lot better. More specifically it has my VWAP technical indicator. Yeah it's real nice. If you're trading on the reg it'd be worth it even just to cut your commissions in half. That poo poo adds up!
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May 18, 2018 21:04
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BMO just sent me this email:quote:To our valued customers, I'm strongly tempted to reply back "I'm obviously not the one who needs to take steps to safeguard my personal information"
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Jun 2, 2018 01:01
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The one account I really want two factor authorization on (aside from my email account) is my bank account. Do any banks in Canada do this yet?
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Jun 2, 2018 01:18
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Cold on a Cob posted:The one account I really want two factor authorization on (aside from my email account) is my bank account. Do any banks in Canada do this yet? TD (for sure) and Scotiabank (I've heard). Also EQ hits you via SMS if you don't have a valid cookie from a previous "trust this device" logon.
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Jun 2, 2018 01:25
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TD just prompted me to set it up today but gently caress it I didn't do it yet.
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Jun 2, 2018 04:10
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I was just thinking about this the other day, when I did a 5-figure transfer that could have been done shockingly easily by someone other than myself. But hey, my 44 cent Steam card collection is protected by two factor authentication AND a waiting period that's email notified on both ends so there's that at least 
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Jun 2, 2018 07:10
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NumbersMatching320 posted:I was just thinking about this the other day, when I did a 5-figure transfer that could have been done shockingly easily by someone other than myself. But hey, my 44 cent Steam card collection is protected by two factor authentication AND a waiting period that's email notified on both ends so there's that at least To be fair, the quality and quantity of griefing and other shenanigans that bored, idiot gamers will undertake would flummox any bank's IT security department within ten minutes. Hell hath no fury like a gamer scorned.
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Jun 2, 2018 10:49
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How does two-factor authorization work for people like my mom who use online banking but don't have a cell phone?
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Jun 2, 2018 14:30
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You get a letter in the mail. In actuality it just doesn’t, which is why it won’t be mandatory. (She could get an authenticator app to run on her PC, in theory, but it doesn’t really happen.)
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Jun 2, 2018 14:40
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HookShot posted:How does two-factor authorization work for people like my mom who use online banking but don't have a cell phone? Optional feature with Big 5, don't opt in, I guess. Also so as far as I know, everyone in Canada is SMS only, nobody supports physical or software token devices. (EQ also prompts for a code for large transfers and bill payments... As did RBC, actually, during the ~6 month period they supported an interac etransfer limit of 10k on consumer accounts.)
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Jun 2, 2018 14:46
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HSBC supports physical/software device authentication but they have like three different types of authentication and they don't refer to them clearly when they want one of the three and its a nightmare.
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Jun 2, 2018 15:19
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Tangerine Interac e-transfers are not accepting correct answers... Apparently I'm not the only one either. I've literally never seen a correct password fail before. I'm pretty embarrassed to talk about, since if you told me that my instincts would be "obviously you typed it wrong", nine times... And of course their wait times are monstrously long. I just want my three dollars back, damnit! Venting over, now a question: Does anyone have any experience with a "spouse has bad credit, I have good credit - we want a mortgage" situation in Ontario? I'm sitting in that boat wondering how to approach this. Is this just going to be a "go in and talk with the lender" type situation? This would be my first mortgage, and I figure I'd have to disclose that I have a spouse, her credit/income, even if she's not on the mortgage... Sorry if this is a housebuyingthreadquestion.
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Jun 2, 2018 15:54
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HookShot posted:How does two-factor authorization work for people like my mom who use online banking but don't have a cell phone?   
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Jun 2, 2018 16:02
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Jenkl posted:Tangerine Interac e-transfers are not accepting correct answers... Apparently I'm not the only one either. I've literally never seen a correct password fail before. I'm pretty embarrassed to talk about, since if you told me that my instincts would be "obviously you typed it wrong", nine times... The worst consequence of this is not the wait time to get the money. It is souring a first experience of EFT such that the next time the person says "e-transfers never work, can you just drive over with a cheque?"
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Jun 2, 2018 18:55
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HookShot posted:How does two-factor authorization work for people like my mom who use online banking but don't have a cell phone? If they had a big balance you could probably get an rsa hard token or something.
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Jun 2, 2018 21:58
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TD definitely supports device-based 2 factor, we've got one of their little key generator devices where I work. Might be business client only, though.
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Jun 3, 2018 02:40
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Subjunctive posted:You get a letter in the mail. When I rejected setting mine up with TD a couple of days ago the site told me it will be mandatory soon.
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Jun 3, 2018 23:03
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HookShot posted:When I rejected setting mine up with TD a couple of days ago the site told me it will be mandatory soon. Crazy!
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Jun 3, 2018 23:30
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Finally applied for the Home Trust Visa, it checked the boxes of No Forex and a Visa. I was hoping someone would revive the Amazon card with rewards though. Hopefully I get it before I really need it in February 
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Jun 5, 2018 15:37
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My home trust visa just arrived, like 3 months after I applied and got no confirmation email of any sort. I already got a replacement card so now I'm just going to call and cancel it??
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Jun 5, 2018 18:36
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I'm pretty sure Tangerine just hit me with a $40 NSF fee for a non-existent transaction. Especially since all of my PayPal transactions are set to automatically charge to my credit card, instead of my Tangerine account that I regularly leave $0.22 or whatever in since it's just there to transfer money over to my savings. Plus, just in case I hosed up, I checked my PayPal history and there were absolutely no transactions within 10 days of June 13th, when they claim this random $10.45 charge happened. HookShot fucked around with this message at 14:46 on Jun 14, 2018 |
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Jun 14, 2018 14:43
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HookShot posted:I'm pretty sure Tangerine just hit me with a $40 NSF fee for a non-existent transaction. Especially since all of my PayPal transactions are set to automatically charge to my credit card, instead of my Tangerine account that I regularly leave $0.22 or whatever in since it's just there to transfer money over to my savings. That could be someone trying to use that bank acct info to buy something and having it bounce.
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Jun 15, 2018 02:24
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VelociBacon posted:That could be someone trying to use that bank acct info to buy something and having it bounce. But PayPal won't let you connect an account until they've deposited money into it, and there aren't any random <$1 deposits into my account?
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Jun 15, 2018 02:51
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HookShot posted:But PayPal won't let you connect an account until they've deposited money into it, and there aren't any random <$1 deposits into my account? I meant a bank transfer not via paypal though.
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Jun 15, 2018 02:52
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Tangerine must have told him it was a Paypal transaction otherwise I don't know why he would be so focused on it.
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Jun 15, 2018 03:47
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VelociBacon posted:I meant a bank transfer not via paypal though.  Unless there's a way to do it I don't know about? I don't keep up enormously with a lot of banking stuff anymore. But yeah, I'm going to have to find the time to call them, because that's super dumb.
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Jun 15, 2018 03:49
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Any recommendations for a business travel credit card? Figure I might as well start accumulating some points. Already use BMO World Elite for all personal transactions.
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Jun 15, 2018 17:50
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Any suggestions for a large foreign currency exchange that's not US? I'm looking to exchange a European currency into CAD and I'm not sure where I'll get the best rate. My options seem to be doing it at a bank in the foreign country, at a local Canadian bank, or one of the many online forex sites which I'm wary of. I've contacted my credit union but they couldn't give me a rate and said it could take up to 45 days for the exchange into Canadian which seems crazy. They typically beat the big bank exchange rate for USD but without a solid number I don't think I'll be trying my luck. The amount I'm looking to exchange is worth around $100,000 CAD so a few % points aren't negligible. Anybody here dealt with a situation like this before?
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Jun 15, 2018 19:13
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Bajaha posted:Any suggestions for a large foreign currency exchange that's not US? I'm looking to exchange a European currency into CAD and I'm not sure where I'll get the best rate. My options seem to be doing it at a bank in the foreign country, at a local Canadian bank, or one of the many online forex sites which I'm wary of. I've contacted my credit union but they couldn't give me a rate and said it could take up to 45 days for the exchange into Canadian which seems crazy. They typically beat the big bank exchange rate for USD but without a solid number I don't think I'll be trying my luck. Could always norbit it maybe.
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Jun 15, 2018 19:18
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For a Norbert's gambit I'd have to find an ETF / Stock that trades in both currencies right? I'm not sure how likely that'll be but I'll look into it.
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Jun 15, 2018 19:32
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DLR and DLR.U on TSX. Sorry just at work but you should be able to google from that.
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Jun 15, 2018 19:37
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I may have been unclear, The money is currently is in a European currency currently, PLN (Polish zloty) to be exact. I'm not sure if there's an equivalent gambit for those two currencies, but it's worth exploring.
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Jun 15, 2018 19:59
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Sorry I missed the EU currency part! I'm not aware of any norbits set up for that but they likely exist.
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Jun 15, 2018 20:10
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VelociBacon posted:Sorry I missed the EU currency part! I'm not aware of any norbits set up for that but they likely exist. I don't think so. You would need something that trades on a North American market in a Polish and CAD currency. I am not aware of any such product. I think the Gambit only works for US/CAD.
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Jun 15, 2018 20:26
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Do you have cash, or is it sitting in an account in PLN somewhere? I used TransferWise to move PLN to CAD, and it was cheaper than the bulk rates at any of the money changers in Warsaw. TransferWise also has competitors you can look at.
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Jun 15, 2018 22:53
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