Good to know I'll have to look at them again. I had use them in the past before. Then again I'm no longer the boss so it's not really my problem
Sent from the future
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My biggest pet peeve - Give us your money and YOU do the work...
- Thread starter Jampy00
- Start date
Sent from the future
Mikedezo44
Well-known member
Government operates the same way. Settling an estate last year my grandmother's accountants rushed to get a massive payment in before the deadline as fee's and interest would quickly be in the 10's of thousands of dollars for filing late...makes massive payment, gets letter in the mail months later "you owe us 6 more dollars" she makes trip to the bank to pay it. Another letter comes October "you owe us hundreds of thousands of dollars" accountants notified, sent in proof it was already paid. Original filing payment was almost 50 grand over, and due a refund now after all settled and done....that was back in November, still waiting for the refund cheque.
Funny the CERB scammers could set up a fake business bank account and receive 10's of thousands of dollars unquestioned in no time, yet when it is legit they take their sweet time, make you chase them down and really work for it.
Funny the CERB scammers could set up a fake business bank account and receive 10's of thousands of dollars unquestioned in no time, yet when it is legit they take their sweet time, make you chase them down and really work for it.
Need a mortgage. Paid off house is backstop.
Go to TD bank. They agree to cut the posted rate by a 1/4%.
Go to my bank.
"Will you match the 1/4% cut at TD"
"Probably I'll email head office and let you know tomorrow"
"How about we use the phone and find out right now"
"Sorry can't do that. This is our policy"
Back to TD for mortgage.
Go to TD bank. They agree to cut the posted rate by a 1/4%.
Go to my bank.
"Will you match the 1/4% cut at TD"
"Probably I'll email head office and let you know tomorrow"
"How about we use the phone and find out right now"
"Sorry can't do that. This is our policy"
Back to TD for mortgage.
On the upside, I try to spread accounts as much as possible. I dont want a screwup at one bank to lock down all my money (or even worse transfer money without me initiating it). Between my wife and I we have td, cibc, scotia, tangerine (boo, getting dumped soon) and rbc.
the banks are nothing but storefronts now nothing can be done by anyone at the branch always needs to be emailed to backoffice.
Relax
Well-known member
In case you didn't already know, there's also a limit to how much cash per account is insured for at each institution in case of failure:
What's covered
Find out what CDIC considers to be eligible deposits for insurance protection and what deposits CDIC does not protect.
www.cdic.ca
I dont have remotely near the limit in any of them (except investment brokerage account which probably isnt cdic insured anyway). Imo, cdic is mostly a wank to make people feel better but not important for me. I am far more likely to get scammed and lose money than rbc is to go bankrupt and take my money.In case you didn't already know, there's also a limit to how much cash per account is insured for at each institution in case of failure:
What's covered
Find out what CDIC considers to be eligible deposits for insurance protection and what deposits CDIC does not protect.
Inconsistant but....
I did a job for DND and after the usual wait called to see if there was problem with payment. I soon got a call back "Our bad, cheque is on its way" It arrived a few days later with interest added. Should I have bought a lottery ticket?
I've always been able to negotiate with TD on the spot. My last 2 or 3 renewals I asked them to match the lowest rate from the cheapest broker I could find on ratehub.ca and they agreed each time without even hesitating.
TK4
Well-known member
How much interest did they charge you ?
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