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@david1010 To establish credit yes, maybe look into RBC and TD since you could move your American asset there too, for TD if you open both an account to TD Bank (us version) and TD Canada Trust (Canadian version) they can link them together for easy wire and management.

@teachermike Bought a tv at bestbuy for 0% on 24 months 2-3 months ago. It’s backed by fairstone, so if you miss one single payment you go to 27%. But it’s set automatically at the bank so all good. Just wish fairstone wasn’t it the picture. But at this point it’s free money.

@teachermike You provided a very good analysis of your current situation 👏 I would advise cashing out some of your TFSA and buy cash. I did the same thing, I was supposed to return my lease and lease a new one or finance. But when I saw the rate I’ve cashed out some stocks to pay the balance. I...

@missh 6 months in most cases.

@zonderzug They don’t really HAVE to keep you or your accounts. As far as the law is concerned I don’t see anything wrong. As you left more then 10y ago I’m pretty sure you are not a tax citizen anymore, which might be they reason why your bank is forcing you to close the account.

@sean1240 As others pointed out, if the question is « Do I have enough saved for a down payment on a 800k house? », the answer is yes, but barely. With CMHC, you will need at least 5% cash down, which set you to 40k, on a 800k house. If you plan on maybe having to go up to 900k as you...