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Anyone have any advice for good low-fee online brokerage sites (not for just TSE)? I'm with HSBC if there is some service associated with them for account holders.
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Aug 7, 2017 17:44
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My HSBC mastercard gives me a flat 2% cashback on I think every purchase I make with it. It's annually debited onto the balance. Feels good every time until I do the math and figure out how much I spent the last year. I'm not sure if that's still available.
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Aug 10, 2017 04:32
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I'm with HSBC so I never had decent ATM locations.
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Aug 17, 2017 02:08
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Ccs posted:This is Canadian financially related though not strictly investing: It might be on her driver's license. At least here in BC you don't need to actually present a card or even the number, it's just something they look up (I work in healthcare). Does she have a PHN and not a card or does she not even have a PHN?
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Aug 17, 2017 02:53
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Demon_Corsair posted:Speaking of tangerine and no loyalty, can anyone recommend a good cash back card? HSBC MasterCard gives me 2% cash back on (I think) any purchase.
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Aug 17, 2017 05:31
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Yeah if you're making only $2k a month and your job doesn't even have a pension to help you out you need to dip out and go back to school.
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Aug 28, 2017 03:59
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Helps you meet their rich husbands so you can get *stock picks*.
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Aug 28, 2017 16:22
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You guys are retarded, when a group of sharia terrorists take over the starbucks while I'm in it and start grilling everyone about their investment platforms I'm going to be safe as gently caress
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Sep 8, 2017 16:48
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Are you posters leaving a significant amount of your liquid assets in savings accounts? Why not a low risk fund or GIC?
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Sep 11, 2017 23:28
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I guess I feel secure enough that I can pull money from a fund within 2 days so any crazy expenses can be put on my credit card and then paid off with that fund money if needed, and it's still earning me more than it would in a bank account. E: or are you guys hedging against some huge event where you'd be unable to rapidly liquefy your investments reliably like a disaster or global financial collapse?
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Sep 12, 2017 17:26
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Speaking of norbit do you guys just use DLR(U)?
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Sep 12, 2017 17:58
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If I'm a bank which presumably offers credit cards why would I ever want to participate in debit card marketing? I'd want people racking up their credit cards so I can profit off the interest.
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Oct 24, 2017 15:57
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Thank you mister *pause* Jordan7hm ahh I appreciate that the security of your account is of course very important to you and I should be able to help you with this problem
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Oct 25, 2017 02:19
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If you make less than some amount per year I think there are automatic grants when you apply for a govt student loan (it was like this in BC).
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Dec 16, 2017 23:59
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Baronjutter posted:Investing came up last night and a guy was telling me I was exposing my self to a lot of risk when I told him I've been trying to move away from having much Canadian exposure. "With trump it's dangerous to invest in the US, europe is unstable, and there might be nuclear war in Asia soon while Canada has a strong safe economy, that's why everyone's buying houses here and trying to move here" He thought I was a fool for not doubling down on Canada and ditching my foreign investments. This is my opinion only, not sure of your risk profile, etc: That doesn't make a lot of sense because Canadian markets are so affected by the US stuff, just look at NAFTA right now. I don't have any Canadian investments despite being Canadian because I don't think being from a place is really a good reason to invest in that market (if you're not being disadvantaged by currency exchange). If anything Trump makes it safer to invest in the states - look at the recent tax reform, look at the policy direction towards in-USA production/industry. As much of a loving idiot as he is and how he's overall hurting the states, he's doing so in such a way as to strengthen a lot of positions there. People are buying real estate in Canada because it's doing very well but it's also seen as a bit of a bubble, especially here in Vancouver. Remember that a big driver of the real estate market is the instability of some Asian markets.
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Dec 18, 2017 01:24
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Which e-brokerages do you guys like/use? I've got some extra income and I'd like to
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Jan 19, 2018 18:15
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Coxswain Balls posted:Guess I'm gonna have to do some research on what to go to school for, then. I'm in my early 30s, so no better time for a career change, I suppose. Being a mature student will be a huge advantage, since younger me would probably have wasted time loving around. If you're the type of person who thinks they would enjoy intense critical care hospital work I went to school for respiratory therapy in my late 20s and I'm really happy with it. I get a lot of adrenaline at work and it's a super independent role, well respected, etc. It's a 3 year diploma or 4 year degree (Bachelors in Health Science). If you already have a degree it's a 2 year diploma. We make around $80k a year currently (gross). I can tell you more about it if you're interested just PM me - I'm in BC so I don't know much about schools out of my province.
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Jan 31, 2018 07:11
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Tipps posted:I live in Iqaluit, and the only way in or out is by plane to Ottawa, at around 2500$ round trip. Just out of curiosity why do you live up there? Are you a researcher or is someone making it extremely worth your while to work there or?
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Feb 14, 2018 18:09
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PhilippAchtel posted:What's the difference between a fund that tracks an index and an etf that tracks that same index? That ETF has not been around long enough for them to actually report a MER as a percentage of NAV. That's why it's a hyphen and not a 0.00%. There will certainly be an associated cost with the management of it beyond the 0.05%. I'm not really sure how you'd find out what the full MER would be. Please let us know if you find this out.
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Feb 23, 2018 21:06
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James Baud posted:So, this is peripherally finance related in one of the few Canada threads on the forum. I’m in healthcare in Vancouver. A family member of mine goes to a place like you’re describing, I’ll ask them what it’s called. I believe it’s probably quite expensive though.
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Feb 25, 2018 06:27
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Demon_Corsair posted:Can anyone recommend a good daily use credit card? I'm with tangerine right now, but since they dropped the cash back rates I've soured on it. HSBC gives me 1% cashback on everything (I think).
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Mar 5, 2018 18:46
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James Baud posted:So, this is peripherally finance related in one of the few Canada threads on the forum. Sorry for the late response. My father uses https://www.copemanhealthcare.com/ and seems happy with them.
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Mar 10, 2018 02:29
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James Baud posted:Much appreciated, there are only a couple of them here but positive reviews never hurt! That's really unfortunate. The system being free (for the most part) does lead to some bottlenecks and while I work in acute care I certainly see enough of the outpatient stuff to know it's not ran very efficiently. I'm happy to help if you have any questions about terminology or certain tests etc, just PM me. I won't be able to help you get anything done faster though. Respiratory stuff is my specialty.
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Mar 10, 2018 04:07
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Kind of an academic question but investors in this thread: are you adherent to the Efficient Market Hypothesis (stick with indexes because it's impossible to beat the market in the long term)? If you are, and I think from reading here that most of you are, do you also have a budget for 'fun' stock trading where you do some light speculation on investments you think are undervalued? If you fall into the EMH group, how do you justify this extraneous investing?
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Mar 29, 2018 18:41
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E-Interac transfer is free isn't it?
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Apr 4, 2018 21:32
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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?
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Apr 10, 2018 18:17
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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/
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Apr 10, 2018 18:25
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I need to set up a virtual portfolio sorta paper money thing. Is anyone able to tell me which service is easiest to use for this? I would prefer not to open a literal account tied to my SSN as TD Ameritrade seems to require. Thanks guys!
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May 10, 2018 16:41
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James Baud posted:RBC Direct Investing lets you open multiple "practice accounts" that it seeds with $100,000 but I think you need an existing online banking account for that. I want a Canadian service that allows me to set up a paper money portfolio that in part contains stocks from American markets (but in CAD).
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May 10, 2018 20:58
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Doesn't it make sense to use a TFSA for an investment account so you can take advantage of the taxless returns on it? You shouldn't really have so much money in a savings account for the interest to matter more than the convenience when you're choosing a bank/Credit Union. There is always a better place for that money where it can be equally safe but earning you more delicious money.
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May 13, 2018 23:05
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If your investments are fairly liquid I don't think it's too bad an idea to just use part of it for your ER fund. I can put unexpected stuff on my CC and have money in my account from a mutual fund within 2 business days for example. If that's not your situation then I definitely understand though.
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May 13, 2018 23:43
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Killingyouguy! posted:It's called the 'TD Comfort Balanced Income Portfolio'. It's difficult to provide advice without knowing your risk profile but that's a veryyyyy safe, low-growth fund. It's actually over 60% in bonds which are considered one of the lowest risk investments one can make, assuming they're high quality investment-grade bonds. Assuming you are a buy-and-hold investor with a low tolerance for risk I still think you could do a little better. So that fund you have is 2/3 bonds and 1/3 stocks (basically). It has a MER of 1.75%. If you were to use two different funds with low MERs (one for bonds/fixed income and one for stocks) you might see better returns. The equity stocks are inherently higher risk but many people would argue it's worth it, and you can limit your risk if you use an index-tracking ETF of which there are several low-MER options. If you just look at low-MER products: Canadian Aggregate Bond Index ETF (VAB) is a bond fund with a MER of 0.13%. iShares Core S&P/TSX Capped Composite Index ETF (XIC) is an Index-Tracking fund with a MER of 0.06% that buys stocks to mimic a major stock market index. This means it moves almost at a 1:1 with that stock market as a whole. I'm curious what other people in here have to say but IMO if you're a new uni grad or something and have more than 30 working years left you can stand to use a more aggressive investment strategy. I'm not a financial expert. VelociBacon fucked around with this message at 06:40 on May 14, 2018 |
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May 14, 2018 06:38
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Kreez posted:[...]an ETF that invests in beanie babies and trades on the market can be bought and held in a TFSA investing account[...] TICKER PLEASE
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May 14, 2018 18:27
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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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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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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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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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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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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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Anyone know if the new HSBC app let's you use fingerprint detection on Android?
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Jun 16, 2018 22:36
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