[RBC] Unpostable item paid (transaction name) ???

So you go to Tangerine … and you set up (with 2 micro-deposits) an external link with your RBC Day to Day Savings account (free bank account, where you are allowed one free debit transaction a month —- any other debit transactions in the same months are $2.00 each). After you confirm the micro-deposits ……

Work Relocation and Taxes

In 2019 I accepted a new job which required relocation. My new employer covered all aspects of my move (movers packing up my house, covering realtor fees for selling my home and buying a new and the other costs associated with that, temporary room and board, as well as a cash bonus for any fees…

Should I pay down active credit cards, or defaulted accounts first?

I’ve been through a pretty significant financial situation over the last few years. Racked up credit card debt while I was making good money, lost my job, was left with payments I couldn’t make, and have spent the last 3 years trying to find a good job and get myself out of this hole. I’ve…

Should I change my investment allocation for my Roth IRA?

Currently I have AAPL, IXUS, ITOT, and AGG in my Roth IRA currently. I basically have nearly $11,000 in the account total. I am 28 and have an aggressive strategy right now. I was thinking about keeping AAPL because it has appreciated significantly since I acquired it, but am considering selling off IXUS, ITOT, and…

15 Mid-Cap Stocks to Buy for Mighty Returns

Mid-cap stocks aren’t exactly spotlight hogs. Many investors buy into large companies because they tends to be more stable, plus information and media coverage are more readily available. Investors also know to buy small-cap stocks if they want to make aggressive growth investments to boost their long-term returns. But mid-caps – typically, stocks between $2…

How Big a Tax Refund for 2019 Tax Year?

Over the last 5 tax years, if you’ve been getting Income Tax Refunds from CRA … What $ has been your average refund over those years?Do you expect the same coming your way soon?Some businesses have specials/sales encouraging us to spend this ‘windfall’ of cash on their product or services.A big tax refund sounds good,…

World Class Extractions Inc. Provides Corporate Update

World Class Extractions (CSE:PUMP) announces the following: To Our World-Class Shareholders, Employees, Partners, and Stakeholders: 2020 marks the beginning of an exciting new decade and coming of age for cannabis and hemp oil production, opening the industry to an entirely new selection of legal product offerings. We have seen consumer sales continue to shift from…

2014 Car with 80k Miles Vs. 2007 Car with 30k Miles

My partner and I own one car, a 2014 VW Jetta wagon with ~80k miles. I bought this car in 2017 for roughly $13,000 from a dealer. Financed $8,000 of the cost while in graduate school and paid the remainder off in mid-2019. My partner's parents recently gifted us a 2007 Audi A4 with ~30k…

Optum Bank vs Discovery Bank HSA

I have a HDHP with an HRA but my employer does not offer an HSA. My understanding is that I still qualify for an HSA with the HRA. Deductible is 2500 each for me and my wife after HRA deduction and 12000 out of pocket maximum combined. ​ All of my investments are with Schwab.…

Simplii E-Transfer Charge

Good day, Noticed Simplii charging $3.25 per e-transfer which use to be free with PC Financial. Anyway to get out of this or any other bank that doesn’t charge for e-transfer? Statistics: Posted by swagwalk — Feb 3rd, 2020 9:52 am * This article was originally published here

Credit Card Statements with full account number on them, now?

Am I remembering things incorrectly, or has it always been this way? I recall the middle 8 numbers being xxxx-xxxx in the past statements. or even all first 12 numbers x'd out with only the last 4 visible for you to confirm which account you're reviewing on paper. I'm 100% paperless, so I rarely look…

Marble Financial Announces $750,000 Debenture Offering

Marble Financial Inc. (CSE:MRBL, OTC:MRBLF) (“Marble” or the “Company”) is pleased to announce a non-brokered private placement of up to 750 unsecured convertible debentures (the “Debentures”) with a face value of C$1,000, at a price of C$1,000 per Debenture for gross proceeds of up to C$750,000. The Debentures will have a one-year term and will…

Should I transfer out from Morgan Stanley?

Hi RFDers, Looking for some advice. I have $120k USD that’s been managed by Morgan Stanley for about 4 years now. Note this is a joint portfolio with other family members. Returns have been great, low +10% for the past few years but underperformed my couch potato portfolio last year. The thing is, that investment…

Moves to Make Now To Age in Place

If you are a longtime homeowner and thinking ahead to your next stage of life, you’re probably familiar with the idea of aging in place. You might already be considering renovation projects, such as installing grab bars in your bathroom or widening your doorways, to help you stay put. You’re not alone in your pursuit:…

Potential employer asking about salary expectations.

Hello r/PersonalFinance. I will likely (fingers crossed) be receiving two job offers this week. Obviously I can’t be certain, but I’ve just finished three rounds of interviews with both organizations and was recently asked by both to provide three references (who I know will speak highly of me). Here’s my question. One of the organisations…

Naturally Splendid Terminates Agreements

Naturally Splendid Enterprises Ltd. (“Naturally Splendid”, “NSE” or “the Company”) (FRANKFURT:50N) (TSXV:NSP) (OTC:NSPDF) provides the following updates. The Company has reviewed the CBD edibles opportunity and has strategically adapted our strategy for this emerging market. Naturally Splendid, will continue to focus our core strengths manufacturing nutritious food, with plant-based ingredients in our SQF2 Certified food…

10 of the Cheapest Warren Buffett Stocks

Warren Buffett, chairman and CEO of legendary holding company Berkshire Hathaway (BRK.B), is often called the greatest value investor of all time. Although Buffett identifies targets based on their “intrinsic value,” a number of Berkshire’s holdings look like cheap stocks by more prosaic value indicators, too. Not every stock held by Berkshire Hathaway is necessarily…

Best Place To Get a Boat Loan?

Google churns up plenty of predatory lenders with 19% interest or higher, but if I wanted that I could just put it on my credit card. Little background, I’m buying a used boat for $17000 from a broker, and I guess they don’t help with financing like a car dealer would. Talked to the bank…

5 Ways Your 401(k) Is a Tax Trap (and What to Do about It)

Just about every financial expert I know advises savers to contribute to their company’s 401(k) plan — at least enough to receive the employer’s matching contribution. I can’t argue any differently. That company match is free money — a bonus from the boss — so why not cash in if you can? And, of course,…

Chemesis International Inc. Announces Private Placement of up to $5,000,000

Chemesis International Inc. (CSE:CSI, OTCQB:CADMF, FRA:CWAA) (the “Company” or “Chemesis”), is pleased to announce a non-brokered private placement (the “Offering”) of up to $5,000,000 or up to 16,393,442 units (the “Units”). Each Unit will be comprised of one common share and one common share purchase warrant (the “Warrants”). Each Warrant will be exercisable for one…

How does 1099 work?

Just as the title said, I will be working 2 jobs, one full time and another as a 1099 employee. I want to know how the taxes and things work as a 1099, cause I don’t want to deal with the IRS down the line. I just need to be pointed in the right direction…

Can someone explain this to me? Insurance question.

There might be a better sub for this but this is the first one I thought of. I was asking my insurance rep about some services I received and they gave me this line: As long as you see in-network provider, the benefits will be considered at 80% of the allowed amount subject to the…