Foreign Currency Option - Scotiabank

Ready to invest first time. Please correct my plan/strategy.

I have almost finished reading Millionaire Teacher, and am ready to invest. Will keep funds in for at least 10-15 years. I need to figure out my risk tolerance. I'm approaching age 40, thinking of keeping 35% bonds. At this point, I need to have my account on a brokerage ready ASAP as I learnt that it could take a few days to set up. For now, I am looking to purchase ETFs regularly. I'm looking at putting $100 per month. Hopefully cash flow will be disciplined enough to continue without breaks.
Currently, I have the following:

Please help me understand the following:
  1. How much cheaper is Norbert's Gambit than using a ForEx company to do a conversion from CAD to USD? I've never done either. I have done USD to CAD before, which basically takes 2-3 business days for the draft from the ForEx company to clear.
  2. I am considering either Questrade, TD Direct Investing or Scotia iTrade. Based on the reviews Questrade seems to be the best option. Which one would you recommended for a beginner like me? (Would be great feedback if you have used Questrade and TD/iTrade.)
  3. I mostly bank with Scotia. My investments will be 50K+ to start. Should I be considering iTrade over the other two for convenience? Or will the fees not make sense in my case?
  4. Is Norbert's Gambit possible to do with Scotiabank?
  5. Say I select Questrade, what is the most efficient (time/cost) process to move forward? Is the below correct?
    1. Transfer TFSA from Meridian to TD.
    2. Do Norbert's Gambit to convert to USD
    3. Transfer USD TFSA to Questrade.
    4. Transfer RRSP to TD
    5. Do Norbert's Gambit to covert to USD
    6. Transfer USD RRSP to Questrade.
  6. What steps above will incur least fees? I understand Questrade covers upto $150 transfer fee? But if I transfer my registered accounts to TD for Norbert's Gambit first, those fees won't be covered?
  7. Lastly, I'm not very knowledgable on RESPs. I understand gov't matches some part of the contribution? We have two kids, ages 10 and 8. No RESP yet. Can investments be made in RESPs? Any tips on this would be very much appreciated.
Thanks in advance!
submitted by LiveWithinYourMeans to PersonalFinanceCanada [link] [comments]

Most accessible Canadian bank to use if wanting to travel internationally(Asia, South America, Europe, etc)? Looking for banks with a decent brick and mortar presence in other countries and wanting to find out which one might offer the lowest fees when it comes to sending/ receiving money online?

I don't own a credit card and would prefer not to get one, so I'm just trying to get an idea about which group of Canadian banks I should probably focus on before trying to narrow down my options depending on the specific country I will end up traveling to (and possibly moving to).
Could be Costa Rica, Ecuador, Thailand, Italy... still undecided for now.
submitted by personalfinlance to PersonalFinanceCanada [link] [comments]

My credit card plan

Hello! So during school I was lazy for the most part regarding my banking, and now that I've graduated and I have a real job I want to sort out my financials and make sure I am getting the most out of my spending. Currently I have 2 credit cards, an RBC Signature Rewards and Scotia's Scene CC with credit limits close to $10K each. I am planning to cancel my RBC rewards because I'm in the process of switching out to TD and I'm not going to pay the $40 annual fee to keep the card, and as for my Scene it gets me good points but I don't got to Cineplex often and they keep jacking up the Scene redemption rates.
My monthly expenses are roughly as follows:
This is what I plan to hold (upon approval of course):
Simplii Cash Back Visa - Use exclusively for 4% on restaurants (I'll have to open an account with them tho, which is fine because I can churn and get $200 for opening one)
Tangerine MC - 2% back on the recurring payments + maybe gas? (IF I get approved that is)
Rogers WE MasterCard - $0 annual fee, 1.75% on everything, 2% on my Fido bill (in case I can't get Tangerine), 4% on Forex when I travel and online purchases + WE benefits. I don't make $80K but I feel like my combined household limit is $150K but I need to double check this.
And my fallback option if I can't get the Rogers WE is to go for the SimplyCash and get 1.25% on the rest of my purchases. I saw somewhere that the Amex Cobalt was good but I got confused on how the redemption works and I don't think be positive enough over the $120 annual fee for it to be worth it. Also I was exploring the TD and Scotiabank offers and they didn't seem to entice me as much as the Rogers WE, and I can get TD's annual fee's waved because I can put $5K liquid as my emergency funds in a No Limit account and avoid banking/CC fees. I could do the same for Scotia with their new account, but I am wary of them because I've heard stories on here about them being poor to deal with.
Thanks for looking and I'll appreciate any advice on cards that I may have missed!
submitted by fatcowxlivee to PersonalFinanceCanada [link] [comments]

Rogers Mastercard dropping from 4% to 3% cashback on foreign transactions, best alternatives?

I've been holding off on deciding on a replacement for my Amazon.ca Chase card. Part of me was expecting that the day the card went defunct (yesterday), Amazon would announce a new partnership or maybe that they were planning on releasing a new card themselves. Wouldn't surprise me to see them make the move into banking.
Now that the doors have officially swung shut on any new charges, I was doing some research to see if anything has been announced or if any other new options have appeared, and came across these announced changes to the Rogers Platinum Mastercard, which had been the heir apparent for many people to replace the Amazon.ca card.
As far as I could tell, no one has posted about these changes yet. It appears that Rogers kept their old terms right up until the Amazon.ca card closed down, raking in the applications from people looking for an alternate foreign currency card, and then dropped their cashback by a full percent to take advantage of everyone now that they are one of the only games in town.
I already hated the idea of supporting Rogers by getting their card, so this puts the nail in the coffin for me on that front. I know about Home Trust, but they are inundated with applications and with a huge backlog. There's Brim, but they have not yet begun issuing cards and are an unknown and unproven. Scotia just announced a new Passport Visa with 0% forex fee on Monday, but it carries a very hefty $139 fee. Are there any other cards that have been announced or tweaked recently to be attractive to those of us who travel internationally?
submitted by LengthyEpic to PersonalFinanceCanada [link] [comments]

Large overseas windfall

Hello,
I will be receiving a large overseas windfall from the UK to Canada as inheritance from my late grandmother. I know there is a ton of post regarding what to do with windfalls etc., I already have that figured out.

My question is, what is the best way to receive approx $70k in a lump sum payment from GBP to CAD? TD and Scotia both assure me that they will only charge a wire transfer fee, but the reality is they will not give me as good a rate as dedicated forex providers and I have no doubt I will therefore be giving a small % of that money to them if I accept a direct wire transfer into my bank account.
My current situation is that I do not have a UK account, but I need account details to give to the lawyer taking care of her estate. Is it possible for me to remotely set up an account with a forex broker into which can receive a direct payment in GBP, then buy CAD? AFAIK a normal setup with a forex broker would be to set up an account with them then inject money myself.
Does anybody have any experience or advice on this matter? Should I just go with the "safe" option of a direct wire to my bank, and will it cost me thousands or pennies? Cheers
submitted by throwaway_forex to PersonalFinanceCanada [link] [comments]

How-to & FAQ for holding Bitcoin and Ethereum in an RRSP/TFSA

A few months ago I came across a way to hold crypto in my RRSP/TFSA and have been answering questions about how to do that in comments, DM's, and Skype consults. I figured it would be helpful to put together one big comprehensive FAQ. Cryptocurrency is treated as a commodity by the CRA and you must pay capital gains taxes on any profits if held outside a TFSA. If bitcoin goes to $1m as some are predicting, the Canadian government is going to be taxing a huge windfall in capital gains taxes.
BACKGROUND
Bitcoin & other crypto cannot be held directly in a RRSP/TFSA, and there are no eligible ETF's in North America yet. However, the ETN COINXBT which trades on the Stockholm Stock Exchange in Sweden (Nasdaq Stockholm) is eligible.
ABOUT COINXBT
COINXBT holds bitcoin directly and its price per share is based on a 0.005 multiple of the current bitcoin price.
For example, if the current price of bitcoin is $10000USD, a share of COINXBT will be worth $50USD (ie: $493 Swedish Kroner)
Company's website and full prospectus at: https://xbtprovider.com/
Price quote / chart: https://www.bloomberg.com/quote/COINXBT:SS
HOW-TO TRADE
Only some Canadian brokerages allow you to trade on eligible international exchanges in your TFSA. Some do not.
Typically placing trades on international exchanges online is not an option and must be made over the phone broker-assisted at a much higher cost than typical North American securities.
CANADIAN BROKERS
I've called pretty much every brokerage to inquire if international securities can be held in a TFSA and what the fee is to transact. You may want to call yourself to see if policies have changed, but here's a summary:
Not available, or not available in RRSP/TFSA:
FAQ's
Are you sure it's legal? I'm quite sure it's illegal.
Who is your broker? CAD account?
How do I make a trade once I'm ready?
How do I calculate the number of shares to trade to max out my TFSA?
Market or Limit order?
When can I trade? Is it only possible to make the trade while the Swedish market is open and the TSX are open at the same time? Or can you place the order at any time of day?
Which number did you use to contact the brokerages?
What happens when there is a fork?
What about other cryptocurrencies?
How is the price of COINXBT determined?
Why not just buy GBTC?
Why can't I place a trade online myself?
Feedback
If you've managed to get crypto into your RRSP/TFSA in any other ways than listed above please do leave a comment and I'll update the post. Thanks!
submitted by Bastiat to BitcoinCA [link] [comments]

Cheap-ish Foreign Exchange (CAD->EUR)

This may help for those looking to get Euros on the cheap.
Most of you know the trick that involves pre-loading your credit card (preferably one with no forex fee) with a positive CAD balance and then withdrawing cash advances at a European ATM when you arrive in country. The European ATM spits out EUR for you and you're only charged ATM/cash advance fees that work out to around $5-10. This works well but is impractical for larger amounts of cash as you're limited per day to whatever the cash advance limit on your card is (in CAD).
I am travelling to Europe shortly and needed to figure out a way to obtain a larger quantity of Euros for the lowest possible exchange. For various reasons it would not be possible in this case for me to do the cash advance ATM trick. I should note that I have a relationship with one of the big-5 banks which nets me a considerably better exchange than offered to their retail customers, but the rate was still not great (about 2% markup.) So I had to find another solution. I found foreign currency ATMs in Toronto which will spit out EUR but unfortunately they debit your account in CAD and charge an insane markup (it was 9% at BMO's foreign currency ATM!!). I do not have an EUR brokerage account so could not do Norbert's gambit, either.
So what's the solution?
Scotia offers a Euro-denominated savings account for a very reasonable fee of $1 euro per month. If you open that account and obtain the wire information, you can use a foreign exchange service like XE.com or Knightsbridge to get an extremely favorable exchange. These services basically do an EFT debit from your CAD bank account and then send a wire transfer to the recipient (in this case your own Scotia EUR account). You can then withdraw euros in cash. The exchange rates are VERY good (much less than 1% markup). Scotia charges $15 CAD for receiving the wire transfer and that's about it. Took me like 15 minutes to open the EUR account.
Hope this helps someone out. This can make a huge difference on larger transactions. One note is you have to call the branch before withdrawing large quantities of EUR as they likely won't have enough on hand - takes some time to order it in.
submitted by nsandwich to churningcanada [link] [comments]

Daily Trading Thread - Tuesday 2.27.18

Hi everyone! Thanks for joining. This sub is for active traders of crypto and stocks, those looking to make a fat YUGE profit. While all are welcome, we are more geared for traders with a serious mindset. Post your ideas for today here.
Follow us on StockTwits and chat live on our Discord: trader chat.
Wiki: resources
FINVIZ HEATMAP - FINVIZ FUTURES - FOREX - NEWS FEED
FEB 27th TUE Fear & Greed Index
Economic Calendar: Results & More
Time Release For Actual Expected Prior
8:30:00 AM Durable Orders Jan -3.70% -2.00% 2.60%
8:30:00 AM Durable Goods –ex transportation Jan -0.30% 0.50% 0.70%
8:30:00 AM International Trade in Goods Jan -$74.4B -$72.2B -$72.3B
9:00:00 AM S&P Case-Shiller Home Price Index Dec 6.30% 6.40% 6.40%
9:00:00 AM FHFA Housing Price Index Dec 0.30% 0.40% 0.50%
10:00:00 AM Consumer Confidence Feb - 127.50 126.50
Ex-Dividend: Calendar
Ex- Div Company Amt Yield
AGN Allergan Rg 0.72 0.02
AGNC AGNC Investment Rg 0.18 0.11
AYR Aircastle Rg 0.28 0.05
BLKB BLACKBAUD 0.12 0.00
BMI Badger Meter Rg 0.13 0.01
BOH Bank Of Hawaii Rg 0.52 0.02
CAKE Cheesecake Facto Rg 0.29 0.02
CFR Cullen/Frost Ban Rg 0.57 0.02
CLDT Chath L REIT-SBI Rg 0.11 0.07
COTY Coty Rg-A 0.13 0.03
CPF Central Pacific Rg 0.19 0.02
CR Crane Co Rg 0.35 0.01
CTT CatchMark REIT Rg-A 0.14 0.04
DOV Dover Corp Rg 0.47 0.02
EBIX Ebix Rg 0.08 0.00
EL Estee Lauder Rg-A 0.38 0.01
EPR EPR PROPERTIES 0.36 0.07
FDS FactSet Resh Sys Rg 0.56 0.01
GLW Corning Inc Rg 0.18 0.02
HFC HollyFrontier Rg 0.33 0.04
HUBB Hubbell Rg 0.77 0.02
KINS Kingstone Cos Rg 0.10 0.01
KNSL Kinsale Capital Rg 0.07 0.00
L Loews Rg 0.06 0.00
LBY Libbey Rg 0.12 0.08
MBCN Middlefield Banc Rg 0.33 0.02
MDP Meredith Rg 0.55 0.04
MINI Mobile Mini Rg 0.25 0.02
MLAB Mesa Laboratorie Rg 0.16 0.00
NWL Newell Brands Rg 0.23 0.03
OPOF Old Point Financ Rg 0.11 0.02
ORC Orcd Isl Cl REIT Rg 0.11 0.22
PBF PBF Ener Rg-A 0.30 0.04
PBNC PARAGON COMMERCIAL 0.34 0.00
PFIS Peoples Fin Serv Rg 0.32 0.03
POWI Power Integratio Rg 0.16 0.01
PVH PVH Rg 0.04 0.00
QCOM Qualcomm Rg 0.57 0.03
RLI RLI Rg 0.21 0.04
SNI Scripps Ntwks Rg-A 0.30 0.03
SON Sonoco Products Rg 0.39 0.03
STAG Stag Industr REI Rg 0.12 0.07
STE STERIS Rg 0.31 0.01
STI Suntrust Banks I Rg 0.40 0.02
TNC Tennant Co Rg 0.21 0.01
UNP Union Pacific Rg 0.73 0.02
UVE Universal Ins Hl Rg 0.14 0.02
VOYA Voya Financial Rg 0.01 0.00
YORW York Water Rg 0.17 0.02
YUMC Yum China Hld-WI Rg 0.10 0.00
Earnings Reports: Morningstar Earnings Calendar & Results
Company Release Est. EPS Company Release Est. EPS
AAON (AAON) Morning 0.24 Juno Therapeutics (JUNO) Afternoon -1.01
ACADIA Pharmaceuticals (ACAD) Afternoon -0.58 Kaman (KAMN) Afternoon 0.98
Acceleron Pharma (XLRN) Morning -0.60 Keane Group (FRAC) Morning 0.27
AES (AES) Morning 0.32 Kewaunee Scientific (KEQU) Afternoon N/A
Albemarle (ALB) Afternoon 1.21 Kindred Biosciences (KIN) Afternoon -0.33
Alimera Sciences (ALIM) Afternoon -0.03 Koppers (KOP) Morning 0.49
Amarin (AMRN) Morning -0.05 Ladder Capital (LADR) Afternoon 0.40
Amedisys (AMED) Afternoon 0.58 Lamar Advertising (LAMR) Morning 1.25
American Tower (AMT) Morning 1.63 Lexington Realty Trust (LXP) Morning 0.25
Amicus Therapeutics (FOLD) Morning -0.29 LGI Homes (LGIH) Morning 1.36
ANI Pharmaceuticals (ANIP) Morning 1.07 Lowe's Companies (LOW) Morning 0.86
Atara Biotherapeutics (ATRA) Morning -1.14 Lumber Liquidators (LL) Morning 0.09
AveXis (AVXS) Afternoon -1.64 Macy's (M) Morning 2.50
B&G Foods (BGS) Afternoon 0.56 Magellan Health (MGLN) Morning 2.29
Balchem (BCPC) Morning 0.62 Mallinckrodt (MNK) Morning 1.69
Bank of Montreal (BMO) Morning 1.63 MannKind (MNKD) Afternoon -0.29
Bank of Nova Scotia (BNS) Morning 1.31 Marriott Vacations Worldwide (VAC) Morning 1.16
Best Buy (BBY) Morning 1.99 Masimo (MASI) Afternoon 0.61
Big 5 Sporting Goods (BGFV) Afternoon 0.23 MasTec (MTZ) Afternoon 0.37
Bill Barrett (BBG) Afternoon -0.07 McGrath RentCorp (MGRC) Afternoon 0.51
Bitauto (BITA) Morning 0.25 Merrimack Pharmaceuticals (MACK) Morning -0.28
Blackhawk Network (HAWK) Afternoon 1.28 MoSys (MOSY) Morning -0.09
BMC Stock (BMCH) Morning 0.26 Nabors Industries (NBR) Afternoon -0.33
Booking (PCLN) Afternoon 14.08 NanoString Technologies (NSTG) Afternoon -0.44
BOX (BOX) Afternoon -0.08 Nexstar Media Group (NXST) Morning 1.36
Broadcom (AVGO) Afternoon 4.40 NN (NNBR) Afternoon 0.31
Broadwind Energy (BWEN) Morning -0.33 Noodles & Co (NDLS) Afternoon -0.01
Callon Petroleum (CPE) Afternoon 0.13 Oasis Midstream Partners (OMP) Afternoon 0.41
Camping World (CWH) Afternoon 0.23 Oasis Petroleum (OAS) Afternoon 0.05
Capital Senior Living (CSU) Afternoon -0.23 Office Depot (ODP) Morning 0.07
Capitala Finance (CPTA) Afternoon 0.27 Omega Protein (OME) Afternoon 0.24
Care.com (CRCM) Morning 0.17 Ophthotech (OPHT) Morning -0.55
Caretrust REIT (CTRE) Afternoon 0.18 Opko Health (OPK) Afternoon -0.08
Casella Waste Systems (CWST) Afternoon 0.09 Outfront Media (OUT) Afternoon 0.27
Catasys (CATS) N/A -0.13 Oxford Immunotec Global (OXFD) Morning -0.36
China Yuchai International (CYD) Morning N/A Pacira Pharmaceuticals (PCRX) Morning 0.11
Coca-Cola Bottling Co Consolidated (COKE) Afternoon 1.13 Papa John's Int'l (PZZA) N/A 0.67
Community Health Systems (CYH) Afternoon -0.34 Performant Financial (PFMT) Afternoon -0.03
Core-Mark (CORE) Morning 0.49 Perrigo (PRGO) Morning 1.23
Corenergy Infrastructure Trust (CORR) Afternoon 0.48 PHH (PHH) Afternoon -1.02
Crocs (CROX) Morning -0.39 Platform Specialty Products (PAH) Morning 0.24
Cross Country Healthcare (CCRN) Afternoon 0.19 PNM Resources (PNM) Morning 0.19
CSI Compressco (CCLP) Morning -0.26 Pointer Telocation (PNTR) Morning 0.22
Darling Ingredients (DAR) Afternoon 0.15 Premier Financial Bancorp (PFBI) N/A N/A
Depomed (DEPO) Afternoon 0.10 Primoris Services (PRIM) Morning 0.23
Dillard's (DDS) Morning 1.77 Puma Biotechnology (PBYI) Afternoon -1.97
Discovery Communications (DISCB) Morning N/A Pure Storage (PSTG) Afternoon 0.07
Discovery Communications (DISCK) Morning N/A Range Resources (RRC) Afternoon 0.16
Discovery Communications (DISCA) Morning 0.43 Realogy (RLGY) Morning 0.23
Dycom Industries (DY) Morning 0.35 Recro Pharma (REPH) Morning -0.90
e.l.f. Beauty (ELF) Afternoon 0.13 Rice Midstream Partners (RMP) Afternoon 0.44
Eaton Vance (EV) Morning 0.70 RLJ Lodging Trust (RLJ) Afternoon 0.13
Ecopetrol (EC) Afternoon 0.30 Rogers (ROG) Afternoon 1.41
El Paso Electric (EE) Morning 0.21 RR Donnelley & Sons (RRD) Afternoon 0.70
Endo International (ENDP) Morning 0.61 Seaspan (SSW) Afternoon 0.20
Envision Healthcare (EVHC) Afternoon 0.44 SeaWorld Entertainment (SEAS) Morning -0.19
EP Energy (EPE) Afternoon N/A Sempra Energy (SRE) Afternoon 1.40
EV Energy Partners (EVEP) Morning N/A Senior Housing Properties Trust (SNH) Morning 0.28
Express Scripts (ESRX) Afternoon 2.08 Seritage Growth Properties (SRG) Afternoon 0.49
Extraction Oil & Gas (XOG) Afternoon 0.02 Servicemaster Global (SERV) Morning 0.34
Federated National (FNHC) Afternoon 0.48 Ship Finance International (SFL) Morning 0.30
FibroGen (FGEN) Afternoon -0.25 Sierra Oncology (SRRA) Morning -0.22
First Trust High Income Long/short Fund (FSD) N/A N/A Sonic Automotive (SAH) Morning 0.81
Foamix Pharmaceuticals (FOMX) Afternoon -0.47 Sotherly Hotels (SOHO) Morning -0.08
Fomento Economico Mexicano SAB (FMX) Afternoon 1.08 Southwest Gas (SWX) Afternoon 1.50
Foresight Energy (FELP) Morning -0.12 Spok (SPOK) Afternoon N/A
Forestar Group (FOR) N/A N/A Star Bulk Carriers (SBLK) Morning 0.10
Fortress Transprtn and Infr Investrs (FTAI) Afternoon 0.11 Steven Madden (SHOO) Morning 0.46
Foundation Building Materials (FBM) Morning 0.03 SunOpta (STKL) Morning -0.04
Fox Factory (FOXF) Afternoon 0.33 Systemax (SYX) Afternoon 0.34
Franks International (FI) Morning -0.10 TCP Capital (TCPC) Morning 0.38
Fresenius Medical Care AG & Co. (FMS) Morning 0.61 TETRA Technologies (TTI) Morning -0.02
Frontier Communications (FTR) Afternoon -1.03 TiVo (TIVO) Afternoon 0.26
GCP Applied Technologies (GCP) Morning 0.23 Toll Brothers (TOL) Morning 0.54
Genco Shipping & Trading Limited Ordinary Shares New (Marshall Islands) (GNK) Afternoon -0.03 TopBuild (BLD) Morning 0.81
General Communication (GNCMA) Afternoon N/A TriMas (TRS) Morning 0.32
Gray Television (GTN) Morning 0.25 TriNet Group (TNET) Afternoon 0.47
Great Ajax (AJX) Afternoon 0.42 Tutor Perini (TPC) Afternoon 0.50
Health Insurance Innovations (HIIQ) Afternoon 0.34 Universal Health Realty Income Trust (UHT) N/A N/A
Heico (HEI) Afternoon 0.52 Universal Health Services (UHS) Afternoon 1.84
Heico (HEI.A) Afternoon N/A Vale (VALE) Afternoon 0.24
Heritage-Crystal Clean (HCCI) Afternoon 0.21 Veeva Systems (VEEV) Afternoon 0.20
Huron Consulting Group (HURN) Afternoon 0.75 Verona Pharma plc - American Depositary Share (VRNA) Morning -0.83
ICU Medical (ICUI) Afternoon 1.04 Vitamin Shoppe (VSI) Morning -0.20
Imax (IMAX) Morning 0.40 W&T Offshore (WTI) Afternoon 0.07
Impax Laboratories (IPXL) Morning 0.12 Weight Watchers International (WTW) Afternoon 0.31
Integra Lifesciences (IART) Morning 0.56 Winmark (WINA) N/A N/A
InterXion (INXN) N/A 0.20 Wright Medical Group (WMGI) Afternoon 0.05
Ituran Location and Control Ltd. (US) (ITRN) Morning N/A Xcerra (XCRA) Morning 0.17
Jazz Pharmaceuticals (JAZZ) Afternoon 2.98 Zosano Pharma (ZSAN) N/A -0.24
PRE-MARKET MOVERS: $MNK $M $PANW $DGAZ $ESV $DBVT $KSS $UVXY $VXX $DWT $FEYE
ROCKET BOT - FINVIZ TOP GAINERS - FINVIZ TOP LOSERS
Crypto Watch List: XRB BTC XLM LTC ETH WTC ETC OMG POE ICX FUN STEEM VEN GAS NEO XRP PPT SALT LEND XVG EOS SC ZCL
COIN MARKET CAP - COINDESK NEWS - RISING/FALLING - COIN 360 HEATMAP
Disclaimer: The opinions in this thread and forum are solely the opinions of the individual account holders and contributors. The info should not be regarded as investment advice or as a recommendation of any particular security. All investments entail risks. As with most things in life, caveat emptor.
submitted by theprofitgod to The_Profit [link] [comments]

Credit card plan suggestions?

I'm a 24 yo graduate working full time and getting paid decently (55k before tax). I currently have 2 credit cards to which I want to change since one is being closed and the other is, in my opinion, pretty useless. I prefer cards that don't require an annual fee and that offer cash-back rather than mile/points that cannot be converted to cash-back:
I would like to have a VISA as well but have yet to found one that catches my attention as much as the Amazon Visa
I would appreciate any advice people have
submitted by AnArousedKoala to PersonalFinanceCanada [link] [comments]

Toronto Daily - Sep 17th 2018

Welcome to the Toronto Daily Thread.

This thread serves two purposes:
1) To collect and make visible new posts in smaller Toronto based subreddits.
Feel free to visit, comment and be generally helpful in posts indexed below. Please also remember to stay on your best behaviour when travelling outside of /toronto.
2) To act as a general off-topic conversation hub for the day.
To that end, use this thread to talk about whatever is on your mind, regardless of whether or not it's related to Toronto.
No matter where you're posting, please remember to be excellent to each other.

/AskTO

Post Title Author Comments
Please help me find a landline company so I don’t have to sell my soul to The Big 3 (X-posted from Toronto) ariagrayx 2
Did anyone hear what sounded like gunshots in the Lawrence Avenue and Caledonia Rd area? Pokerhauntus 0
Anyone find a phone near High Park Since Friday night? jemiglio 0
Why are there so many mansions on Jarvis Street, north of College? Who were these houses owned by? downvote_me_moreYOLO 2
Can I get excused for jury duty being a full time college student? EthiopianNutella 2
How is the laundry room in your apartment building or condo? 647 2
Who is responsible in this situation? Landlord or tenant? NorthYorkEd 0
Toronto 420 Friendly Airbnb's? TaraTheExplara 2
Are average household incomes on Royal LePage websites accurate? forexInsight 2
Looking to move to Toronto from Sydney, Australia. Advice? Von_Huge1103 4
Is anyone on the CB radio channels in toronto that I can listen to? devicemodder 5
Flew into Toronto today and need recommendations! greek_stallion 6
Finding a place downtown next year GONDOL1N 6
Megabus at Pearson Airport nitorita 2
Just found a debit card at SCOTIA BANK King street DrxAvierT 5
Where to sell electronics quickly? lostinallthesauce 8
Apartment turning off air too soon GochuBadman 8
Any good lounges/Martini bars in North York? fluffytruck 0
How much does a roommate situation cost in the downtown core? blue_moon321 5
UberEats, Foodora, Doordash etc constantly fail to deliver items croppybhoy 23
Looking for an affordable room in Toronto! rragz 3
Where can I get a big rug cleaned in the city? tracesoares 4
Anyone have any insights into working for one of the Big 4 NOT as an accountant? spacechannel_ 17
Salmon run on the Don 60Hurts 1
Has anyone been to the Oasis Lounge? Cur10u5er 24

/TorontoJobs

Post Title Author Comments
[FOR HIRE] Hardworking Master's Economics Graduate - Need to get out of dishwashing hardworkoveranything 1
We found 70 new Toronto/GTA job fairs this week. petersnewjobs 0

/LostAndFoundTO

Post Title Author Comments
FOUND phone, this was the only thing on it VegetableMoment 1
lost wallet near Eaton, Lost phone near young Finch EvanSamaa 1
I am a bot, and this post was generated automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
submitted by thetorontobot to toronto [link] [comments]

ScotiaBank Gold Precious Metals Desk Folding  Shortages ... Scotiabank Opens Toronto Stock Exchange, July 17, 2019 Day in the Life – Retail Banking at Scotiabank iFOREX weekly review 26/02-03/03/2017- USD, Scotiabank and Nike. Scotiabank Launches Intelligent Deposit Machines (IDM ... Trading with Scotia iTRADE - YouTube How to get Bank Statement Online - Scotia Bank - YouTube Scotia iTRADE FlightDesk -- Equity Trading - YouTube Top Mistakes Traders Make from Scotia iTRADE - YouTube How to deposit money hold free Scotiabank احدث مكينة صرف ...

Scotiabank is a leading provider of foreign exchange services for institutional, government, corporate, commercial, and small business clients. We have the expertise and resources to manage your foreign exchange exposure in developed and emerging markets, leveraging integrated trading solutions and multi-bank platforms. Whether you need the services of our currency experts or want to connect ... SCOTIABANK (BANK OF NOVA SCOTIA) AKTIE und aktueller Aktienkurs. Nachrichten zur Aktie Scotiabank (Bank of Nova Scotia) 850388 BNS CA0641491075 Prior to joining Scotiabank, Shaun was a currency strategist at another Canadian bank in Toronto. He also he worked at MCM CurrencyWatch in the UK and served as a G7 currency analyst and economist for Thomson Financial Network/Tech Data in London and Paris. He wrote regular FX market reports for La Tribune de l’Expansion, a French-language financial daily and he is frequently asked by ... Foreign Exchange trading is convenient, quick and secure with ScotiaFX™ – our online trading platform. Please be advised that this website will be de-commissioned at a future date. Scotiabank MasterCard; Benefits & Rewards. SkyBOX; Tools and Advice. MasterCard Benefits Comparison Chart; Additional Card Requests; Card Watch: 7 Ways to Combat Credit Card Fraud; Will That Be Debit, Credit, or Cash; Smart Use of Credit; Credit Checklist; MasterCard Terms and Conditions; Credit Card Rewards Calculator; View All. Borrowing . Loans. Scotia Plan Loan; Auto Loans; Lines of Credit ... See the latest foreign currency exchange rates and fees. Checkout Currency, Cash and Cheque BUY & SELL Rates for popular currency pairs against Trinidad & Tobago Dollar(TTD). View Scotiabank's buy and sell foreign exchanges prices/rates for popular currency pairs and Foreign exchange rates apply to non-cash transactions up to $9,999

[index] [11248] [13604] [4295] [18447] [21567] [3072] [4129] [29623] [18515] [10506]

ScotiaBank Gold Precious Metals Desk Folding Shortages ...

How to deposit money hold free Scotiabank احدث مكينة بنك فالعالم ممكن ايداع اي مبلغ Welcome to the second video tutorial in our video posts series on FlightDesk. In this tutorial, you'll learn how to: use the new Equity Trade component, view... Scotiabank has launched Intelligent Deposit Machines (IDM), allowing their customers to deposit cash without the use of an envelope. It's a feature Senior Vi... Read more market news and analysis on: http://bit.ly/1VOxyyC Capital is at risk - Forex analysts claim Trump's dollar policy remains vague. - Scotiabank reco... Learn more about Silver, Gold, and other Precious Metals at with our FREE GUIDE https://SDBullion.com/book - #GoldMarket #PreciousMetals #Bullion One of th... Brian Porter, President and CEO, The Bank of Nova Scotia (BNS), joined Lou Eccleston, CEO, TMX Group, to open the market to celebrate 100 years listed on Toronto Stock Exchange. The Bank of Nova ... Trade Equities, EFTs, and Mutual Funds in a few quick and easy steps. Enjoy commissions from as low as $6.99* Have questions? We're here to help. Visit: www.... Follow Bilal and Karthika as they go through their day and learn what it’s like to be on the Retail Banking team at Scotiabank. Our Advisors are customer-cen... The Market Guys describe the most common investing and trading mistakes and give some sample advice on how to avoid them. How to get Bank Statement Online - Scotia Bank

http://binary-optiontrade.thiesicomptreeply.cf