Search found 499 matches

by Jaunty
15 Jan 2018 17:55
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: unauthorized withdrawal from my i-Trade RIF
Replies: 10
Views: 306

Re: unauthorized withdrawal from my i-Trade RIF

BMO IL advised us to set my wife's RRIF instructions for a mid-December withdrawal and to call at any time earlier in the year to give them the actual instructions for that year. We typically call and withdraw in June or July when enough cash has accumulated - and, importantly, avoid the OP's issue.
by Jaunty
14 Jan 2018 11:15
Forum: Under the Mattress: Protecting Your Money
Topic: Important change to the Amazon.ca Rewards Visa Card program
Replies: 39
Views: 963

Re: Important change to the Amazon.ca Rewards Visa Card program

As a result of earlier discussions about the possibility of this card changing, I applied for and received the Home Trust card in November. The only downside so far is that they set the PIN and you can't change it (even if you call them).
by Jaunty
20 Dec 2017 18:01
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: BMO Investorline
Replies: 524
Views: 55097

Re: BMO Investorline

Like AltaRed, I use Bill Pay to move money from BMO IL to my iTrade account, but then I transfer it to my TD chequing account (it is my linked account), something iTrade lets you do.
by Jaunty
19 Dec 2017 14:54
Forum: Taxing Situations
Topic: Tax Installments
Replies: 399
Views: 37700

Re: Tax Installments

I don't think one can post-date transfers at TD? Closest I can find is bill payments to a personal payee - so maybe one could set-up oneself as a personal payee? I post date at TD frequently. Gonna have to bite. I don't see anywhere in the process of creating a transfer that a date can be input? Th...
by Jaunty
18 Dec 2017 20:19
Forum: Taxing Situations
Topic: Tax Installments
Replies: 399
Views: 37700

Re: Tax Installments

pmj wrote:
16 Dec 2017 09:59
I don't think one can post-date transfers at TD?
Closest I can find is bill payments to a personal payee - so maybe one could set-up oneself as a personal payee?
I post date at TD frequently.
by Jaunty
03 Nov 2017 10:05
Forum: Financial Planning and Building Portfolios
Topic: My experience with TD Cross Border Account
Replies: 67
Views: 14115

Re: My experience with TD Cross Border Account

Visa Direct now works fine for me. I had an issue with it, but talking to the rep this summer, realized one account included my middle initial and the other didn't (US side). I added my initial and everything works fine. So, maybe you have a similar "insignificant" difference mucking up the works.
by Jaunty
26 Oct 2017 10:08
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: History of Discount Brokers in Canada
Replies: 13
Views: 425

Re: History of Discount Brokers in Canada

I had a TD Greenline account that by my calculations I opened by 1988. The trading was by telephone. I had limited money, but did execute a few trades this way before joining ShareOwners and buying stocks and Dripping through them.
by Jaunty
25 Oct 2017 10:52
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: BMO Investorline
Replies: 524
Views: 55097

Re: BMO Investorline

I have had Rapport on my computers for several years and have never noticed a speed problem - or I am just used to my bank and brokerage sites loading slowly. TD-CT and BMO IL are particularly slow compared to other sites, but I've always blamed the host sites. Maybe I need to revisit this.
by Jaunty
20 Aug 2017 11:12
Forum: Under the Mattress: Protecting Your Money
Topic: Receiving Interac e-Transfer
Replies: 28
Views: 1108

Re: Receiving Interac e-Transfer

... and if you don't provide the right password, you don't get to the choosing bank account and entering passwords stage either (if memory serves me correctly on the order of the steps). So then no problem re: phishing.
by Jaunty
21 Jul 2017 12:55
Forum: Retirement, Pensions and Peace of Mind
Topic: LF Witness for Beneficiary Forms
Replies: 6
Views: 455

Re: LF Witness for Beneficiary Forms

I used my local MPP's assistant (for a government form). It was free, of course.
by Jaunty
20 Jul 2017 12:26
Forum: Stocks, Bonds, ETFs, Funds, REITS and More
Topic: Preferreds
Replies: 1157
Views: 84709

Re: Preferreds

gibor wrote:
19 Jul 2017 18:07
On the other hand, "currency risk" may increase your returns :). imho, US will raise interest rates more agressive than Canada... loonie can be overvalued now
The Economist's Big Mac index doesn't think so http://www.economist.com/content/big-mac-index
by Jaunty
04 Apr 2017 20:06
Forum: Retirement, Pensions and Peace of Mind
Topic: Financially uninterested spouse inheriting stock portfolio
Replies: 50
Views: 2471

Re: Financially uninterested spouse inheriting stock portfolio

Like others here, my wife takes no interest in how our finances work, have had a set of written recommendations for when I die or become incapable for a number of years now. I update it regularly and each January print and attach a report from Quicken showing adjusted cost base and a few other featu...
by Jaunty
31 Mar 2017 10:27
Forum: Retirement, Pensions and Peace of Mind
Topic: Retirement - is it over-rated?
Replies: 281
Views: 16828

Re: Retirement - is it over-rated?

A slight digression. I love to read this thread's title "Retirement - is it over-rated?" in my unread posts! Every time I sort of smile and say, "nope" in my head. Retirement is the best job I never had.
by Jaunty
15 Mar 2017 15:55
Forum: Taxing Situations
Topic: IRS Form 1042-S
Replies: 4
Views: 195

Re: IRS Form 1042-S

Thanks again. I know I was "dithering" by asking about the IRS a second time, but I guess my impression of them isn't positive and I didn't want to create future problems for myself with them!
by Jaunty
14 Mar 2017 19:47
Forum: Taxing Situations
Topic: IRS Form 1042-S
Replies: 4
Views: 195

Re: IRS Form 1042-S

Thank you. So, nothing to submit to the IRS either?
by Jaunty
13 Mar 2017 16:15
Forum: Taxing Situations
Topic: IRS Form 1042-S
Replies: 4
Views: 195

IRS Form 1042-S

I have received an IRS Form 1042-S with respect to my TD USA bank account. I maintain a low balance in this account and transfer money in as needed to pay for US vacations. The 1042-S is for $1.00 of interest I earned in 2016 (nothing was withheld). While I'll convert this sum to Cdn and report it o...
by Jaunty
06 Mar 2017 19:53
Forum: Under the Mattress: Protecting Your Money
Topic: Reducing car insurance premiums?
Replies: 3
Views: 313

Re: Reducing car insurance premiums?

Yes, with CAA.
Retiree discount, lower mileage (on wife's car) and they ask about snow tires and would give a discount but we get so little snow and so seldom and we are in Florida through the part of winter we think is the worst so I don't bite on that.
by Jaunty
17 Feb 2017 15:55
Forum: Retirement, Pensions and Peace of Mind
Topic: how long will it last?
Replies: 23
Views: 1547

Re: how long will it last?

Part way down the page at the link below is a section called "Die Broke". An Excel spreadsheet is available in that section to allow you to do the calculation. It is simple and I like it. (Someone on this forum alerted me to this several years ago.)

http://www.retailinvestor.org/retire.html
by Jaunty
21 Aug 2016 16:28
Forum: Under the Mattress: Protecting Your Money
Topic: to buy new or used car?
Replies: 1231
Views: 61653

Re: to buy new or used car?

BMW - Bring My Wallet (when in for service)
by Jaunty
16 Aug 2016 09:51
Forum: Under the Mattress: Protecting Your Money
Topic: Good customer service
Replies: 111
Views: 11381

Re: Good customer service

Thanks for the tip, Bruce. I was planning on making a squirrel proof feeder, but this will look way better and make SWMBO much happier.
by Jaunty
07 Oct 2015 19:21
Forum: Financial News, Policy and Economics
Topic: Protectionism
Replies: 292
Views: 27254

Re: Protectionism

But, won't it be ratified (or turned down) in the US before next year's Presidential election?
by Jaunty
26 Sep 2015 19:52
Forum: Under the Mattress: Protecting Your Money
Topic: to buy new or used car?
Replies: 1231
Views: 61653

Re: to buy new or used car?

VW isn't the only company that has been found to be gaming the system.
http://business.financialpost.com/news/ ... at-devices
by Jaunty
10 May 2015 09:40
Forum: Financial Planning and Building Portfolios
Topic: Generational Wealth Transfer
Replies: 69
Views: 3674

Re: Generational Wealth Transfer

Of course, the surviving spouse can rewrite the will and/or remarry and have the funds become "community" property and subject to any new will that is created as a result of that relationship.
by Jaunty
22 Apr 2015 21:52
Forum: Taxing Situations
Topic: Confused! [CRA online payees]
Replies: 15
Views: 3279

Re: Confused!

Can you not look at bills paid in your Scotia account, to see "who" you paid and how much? The "who" would identify which option you chose, in words of course, not numbers. I have done this once or twice with TD, but not for the CRA.
by Jaunty
13 Apr 2015 20:05
Forum: Financial Planning and Building Portfolios
Topic: Does your will include digital assets?
Replies: 20
Views: 1056

Re: Does your will include digital assets?

All my passwords are printed on a list that is stored in our safety deposit box. It is not saved digitally, although the list without account numbers and passwords is saved. It is updated as needed, as the "financial" passwords are not frequently changed. This list and other assorted materials I hav...