What Makes Banks Different ?
How do banks differentiate themselves in Canada? Bank services? Not really, so how do these firms make such enormous profits year over year?
Stupid Bank Tricks (revisited)
Previous Stupid Bank Tricks I enjoy strategies to use the banking system to your advantage. With this in mind, I have written a few articles on Stupid Bank Tricks. Real World Example: Kids Allowances. An… Read More »Stupid Bank Tricks (revisited)
Importance of Financial Reports
Over the years I have received many financial reports and document. The reports are varied, but all have some importance, simply because they have been sent. Some of the financial reports I receive are: Yearly… Read More »Importance of Financial Reports
Farewell PC Financial, Summer Holidays, Bat Guano and #MoneyTalk
It seems PC Financial as a bank is done, and CIBC will create Simplii its own brand name. You will no longer get PC Points for banking, except with your PC Mastercard. For me, it makes it easy to walk away from PC Banking, and move the rest of my secondary banking to Tangerine (for now). PC Banking gave me many PC Points and free banking, so I am sad to see the brand go over the banking horizon (like Canada Trust, Waterloo Trust and others). Farewell free PC Chocolate Chip cookies too .
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If you want to join Tangerine, use my code and I make some money too ( 47979477S1 )
I have taken the summer to spruce up a few things on the web site . Most of what I have done is not obvious, but here are a few highlights:
- The site is now HTTPS based, which makes it a bit more secure, and if I ever start selling stuff and such, I am ready to go. If you link to me, or have bookmarks, you could update those just by adding the S to httpS .
- Updating many of my back catalog articles (which if you are on my social media feeds will see them). Still have about 2500 or so to rewrite (or remove), so this will be a long-term project.
- Looking at revamping the look of things, but I say that every year.
Politics in the states is now crossed the bat guano insane line. That is all. Mayhem is not a ladder, no matter what Little Finger thinks.
Interesting thought for the week, NetFlix, while an industry leader, has over $15B in debt, is that good business or bad business? Only time will tell.
Recent Writings
I keep reading about the importance of building up your credit rating, so I figure I might get a rise out of some folk, but Credit Cards Help You Get a Mortgage caused nary a ripple in the internet. Still not sure if your credit card limits still count against your mortgage capabilities, but they should!
I did my 6 month rant about the TD Direct Investing RDSP issues, RDSP Deposit Obfuscations Continue , but I got an interesting comment that I will be pursuing with TD Direct Investing. Seems like my account may be badly configured, because at least 1 reader can make direct contributions to their RDSP account. I will keep you all posted on this.
Micro Blogging
I am experimenting with tweets and Facebook posts that are not full stories, this week a simple philosophical statement by me, that took a while to figure out.
RDSP Deposit Obfuscations Continue
It is that time of year, when I transfer money into my son’s Registered Disability Savings Plan (RDSP), and I continue to be disappointed by TD. I spoke to a very nice young man on… Read More »RDSP Deposit Obfuscations Continue
