Give Me Back My Five Bucks

For the last 5 years, I’ve talked about how multiple savings accounts have worked for me. It helped me keep track of my money and stay organized. But, I don’t think it’s working for me anymore. When I was eliminating my credit card and student loan debt years ago, it made sense to keep my goals separate because I was organizing my finances so that I was maximizing my debt repayment. Then, when I got out of debt, I shifted my efforts over to creating and managing a system of automatic withdrawals into multiple savings accounts. This worked because I … Continue reading →

My issue with TD Bank has been resolved. But I feel like the only reason it was resolved (and resolved quickly) was because of yesterday’s blog post, and my irritated Twitter messages. When I spoke to the last Mutual Fund rep on the phone on Monday, he suggested switching my e-series funds over to a Canadian Money Market fund. That way, they will be out of the tricky e-series funds as quickly as possible, and then I could go into a branch and someone would be able to cash them out for me using the Home Buyer’s Plan. The money … Continue reading →

If you follow me on Twitter, over the past few days you will have probably noticed my irritated tweets about how much I hate TD Canada Trust at the moment. It’s just one problem after another with them it seems. And the only reason I’m still a customer is because their e-series mutual funds can’t be beat. Anyway, this all started when I needed to withdraw those lovely TD Canada Trust e-series mutual funds out of my account for the First Time Home Buyer’s Plan. Seems simple enough, right? I’ve never heard of anyone else having a problem, so I was … Continue reading →

I am so irritated with TD Canada Trust. In fact, I’ve had this problem with them since 2007, but I haven’t done much with my account until the past year or so, when I’ve wanted to switch up my mutual funds and buy a bit more aggressively for the long term. Basically what is happening is, every single time I want to purchase higher risk mutual funds, I get the following decline e-mail: Order # XXXXXX-XXXX-XXXXX Dear Investor, [...] We have not fulfilled your request because it may not be suited to your current investor profile. We have based this … Continue reading →

So I am test driving ING Direct’s new chequing account service. I have been a loyal PC Financial customer for the past 4 years, but one think has always irked me: having to pay for e-mail money transfers. ESPECIALLY because you can’t even transfer money between PC chequing accounts. Meaning, I can’t transfer money from my chequing account to BF’s account without having to pay a $1.50 e-mail money transfer fee. And they only introduced this whole e-mail money transfer thing not too long ago. It’s really inconvenient for couples and families who like to move money around. Bring on … Continue reading →