canada

  1. C

    Received a random e-transfer almost 3 months ago, what should I do?

    I got a random e transfer at like 2am about 3 months ago for 780 bucks. I have it so it automatically deposits when I receive one. Only shows a name and the email it was sent from. I've tried contacting the email but no response. I haven't contacted the bank and haven't spend the money. At this...
  2. M

    Why does CDIC insure until $100K, when DICO insures until $250K? Please unravel this incongruity?

    As at July 21 2023, We CDIC insure eligible deposits at each member institution up to a maximum of $100,000 (principal and interest combined) per depositor per insured category. https://money.stackexchange.com/q/102669
  3. D

    Horizons ETFs with .U at the end: e.g. HXT vs. HXT.U

    I noticed that there are two options for many of Horizon's ETFs. For example HXT and HXT.U Can someone explain the difference to me? Thank you in advance.
  4. R

    Car insurance in Ontario, Canada

    Any recommendations on brokers for Insurance in Canada, Ontario? Getting delivery on our Model Y AWD next week. Any leads on insurance brokers here in Ontario, Canada? TIA!
  5. J

    Filed taxes almost 7 weeks ago online, but still haven’t received my refund. Any ideas what’s going on?

    As the title says, I filed my taxes online using turbotax and I checked my cra but it says “in progress”. I called them and they said there’s nothing they need from me but that some tax returns just take longer to process. has anyome had this experience before? I could really use this money...
  6. S

    Builders may not be able to squeeze extra money from the buyers

    In recent years we have heard of many instances of builders demanding extra money from the purchases of preconstruction residential properties, in many cases the options were to pay thousands of dollars or to terminate the contract. This may not be that easy going forward, in the case of...
  7. J

    Guide me on being a better Trustee for my brothers inheritance

    I've been managing my brothers finances for over a decade and also a Trust for his inheritance for the last year. I'm running into some difficulties with the Trust. My brother is irresponsible with money dur to a lifetime of poverty and mental health issues. I had arranged for my parents to...
  8. M

    I got a slip from Revenue Québec that says I owe $6000

    I just got a letter and I’m it a slip saying I owe $5912,46. I don’t understand how, or where it comes from that I owe that much money or any money at all. Last year I was on sick leave for 8 months while on my private insurance covered everything. And only worked for less than a month because...
  9. K

    I know I’m stupid

    Bought a truck when I was 20, dream truck but yeah I’ll admit it was kinda dumb. Any advice on how to get a cheaper monthly payment ( Currently 1,200$ a month ) 6 years left on the term, I make over 110k a year and I’m still living at home. I’m not struggling it’d just be nice to invest more...
  10. E

    Crypto ETFs in TFSA

    So I’ve held positions and sold positions in the Canadian crypto ETF’s (BTC and ETH) within my TFSA and have made quite a bit of money. The issue is that in some cases, I’ve held for relatively short periods since I’ve wanted to harvest the gains. Then I’ve seen dips and get back in again. When...
  11. R

    Quick Q: First year tax filling. My SIN starts with 9 not 09, can I send in by NETFILE?

    Looking through the Canada Gov website the only exception I see with sending my documents by NETFILE is if my SIN starts with '09'. Mine starts with 9, is that the same thing?
  12. K

    Best way for a 17 y.o. to pay U.S. retailers when travelling for months?

    My 17-year-old son will be staying for a few months in the U.S. We're looking for a way to have him pay retailers in USD without incurring unnecessary fees on every transaction, which is what would happen if he used his Canadian Tangerine debit card. Tangerine allows him to create a USD...
  13. T

    Thoughts on FinTech sector, promising new platform and DD for $VIN.C

    In Asia, especially in Korea, Japan, and China, consumers use mobile payment much more than credit cards. Globally, mobile payment growth is outpacing traditional credit card usage. Considering this now is the time to invest in fintech that can meet mobile payment demands. Vinergy Capital...
  14. P

    Canadian working in USA on J-1 visa and taxes on investments

    So I am moving to the USA for work on a J-1 visa. I know that I will be classified as a non-resident alien and so my TFSA investments are safe. However I have an additional USD cash account at TD which I regularly pay capital gains tax on. When I move to the US, will I need to file these...
  15. 7

    CRA saying I owe $4.5k, I submitted documents to prove I don't, still no response

    In 2020, I did an internship in the US and in July 2021, was asked to submit proof that "To support your claim for income tax paid to a foreign country". Unfortunately I missed this mail completely and was sent a Notice of reassessment in December 2021 that I owed 4.5k. I quickly submitted...
  16. S

    Doing better due diligence?

    I’ve been managing my own portfolio for almost 20 years, and I’m still learning how to do good research before buying (or selling). I’d love to hear what your research secrets are, and what you wish you could do differently. Where do you do online research? For small cap stocks, what's the...
  17. A

    Balance Transfer Car Loan

    Backstory: I purchased a 2012 vehicle for 10k in November and leveraged a 0% interest rate for 6 months deal that my bank applied to an old line of credit I've never used. That went well. Paid off in full last month. New issue: Partner's vehicle was broken in to today. Certain damage was...
  18. H

    If i drove total 3000 kms in 2020, what is the average gas price i have to calculate to get the final cost?

    Lets say the gas prices per liter i have paid are $1.23, $1.10, $1.05, $9.95 during 2020. What gas price should pick to calculate? I searched on google but they gave unrelated info..
  19. A

    Canadian vs U.S. used car market (0.43%) vs (1.19%)

    Looked up several sources such black book, car gurus, auto trader and noticed that US market shows way more aggressive price drops rather than Canadian. E.g. the latest weekly data shows that it was: -0.43% drop (average -0.37%) for Canada...
  20. F

    You've inherited a property in Kawartha Lakes region

    Sadly, both of my parents passed away in the last year, and I am the sole next of kin for a cottage in the Kawartha Lakes Region, and a cabin up in Bancroft/Marmora region. Both are paid off. I live ~6 hour drive away and do not plan on moving to the area. I am fairly young (33), married...
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