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Canadian New Bank Account Promos for 2020 (A Free iPad or ...

Source: TD Canada Trust TD Bank Promotions: TD Canada Trust. The gift: $300 in cash Deadline for account sign up: September 8, 2020 TD Unlimited Chequing Account: $15.95 monthly fee but it is waived if you have a minimum of $4000 in your account. You also get Interac e-Transfer ® (unlimited) and unlimited transactions. TD All-Inclusive Banking Plan: $29.95 monthly fee but it is waived if you ...

https://www.genymoney.ca/canadian-new-bank-account-promos-2018-a-free-ipad-or-350-cash/


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TransUnion vs Equifax Credit Scores: Why the Difference ...

How to Check your Credit Score: A Summary. There we go, hopefully, this helps explain why there’s a difference between the Equifax and Transunion credit scores and why you may want to check both of these scores to monitor the health of your credit scores on a periodic basis.

https://www.genymoney.ca/equifax-vs-transunion-why-is-there-a-difference-between-the-scores/


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Step-By-Step Guide on How to Negotiate Telus and Shaw ...

via GIPHY. Here’s the step-by-step guide on how to negotiate with Telus and Shaw for your Internet bill: Basically the gist of it is, that you call into your service provider and ask to cancel your Internet.

https://www.genymoney.ca/step-by-step-guide-on-how-to-negotiate-telus-and-shaw-internet/


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Where to Put Emergency Fund? - Genymoney.ca

This post may contain affiliate links. Please see genymoney.ca’s disclaimer for more information.. Let’s say you have a $15,000 emergency fund that earns 2% interest. That’s $300 of interest income in one year.

https://www.genymoney.ca/where-to-put-emergency-fund/


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How to Get Roadside Assistance for Free in Canada ...

Source: Canadian Tire Roadside Assistance BMO Roadside Assistance. BMO CashBack World Elite Mastercard gives you free membership in the Dominion Automobile Association (DAA) where you can get basic BMO Roadside Assistance Coverage. There are often promotions available, right now the BMO World Elite is offering 5% cash back for the first three months and it is first year free (a $120 value).

https://www.genymoney.ca/how-to-get-roadside-assistance-for-free-in-canada/


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Genymoney.ca July 2020 Dividend Income Update

This post may contain affiliate links. Please see genymoney.ca’s disclaimer for more information.. This is a 3.8 % increase in forward dividend income compared to June 2020.. Related: 9 Income Producing Assets to Achieve Financial Freedom For my actual dividend income received, I just check my Wealthica account really quickly and it takes 1 minute to do, as part of the income add-on (which ...

https://www.genymoney.ca/genymoney-ca-august-2020-dividend-income-update/


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Genymoney.ca June 2020 Dividend Income Update

This post may contain affiliate links. Please see genymoney.ca’s disclaimer for more information.. This is a 1.7% increase compared to May 2020.. Related: 9 Income Producing Assets to Achieve Financial Freedom For my actual dividend income received, I just check my Wealthica account really quickly and it takes 1 minute to do, as part of the income add-on (which is free).

https://www.genymoney.ca/genymoney-ca-june-2020-dividend-income-update/


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The Guide on Tax Efficient Investing in Canada - Genymoney.ca

Tax advantaged accounts are so powerful and you can’t go wrong plowing as much money as possible in them. Otherwise, I threw tax efficiency aside for the most part when I switched to an income focused investment strategy years ago in both my taxable and tax advantaged accounts.

https://www.genymoney.ca/the-guide-on-tax-efficient-investing-in-canada/


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The Best US Dollar Accounts in Canada - Genymoney.ca

This post may contain affiliate links. Please see genymoney.ca disclaimer for more information.. RBC US Account. This is otherwise known as the RBC US Dollar High Interest eSavings Account.. The interest rate is 0.050%; Zero monthly fee (free!); One monthly debit free (after this it is $3 per transaction); You can get free online transfers from this account to other RBC Royal Bank deposit ...

https://www.genymoney.ca/us-dollar-accounts-in-canada/


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High Interest Savings ETFs in Canada: Park Your Cash ...

It earned 0% interest for probably years. I didn’t want to put it in a high interest savings account because I didn’t want to wait so long for it to transfer from my high interest savings account to my discount brokerage.

https://www.genymoney.ca/high-interest-savings-etfs-in-canada-park-your-cash/


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Best No Fee US Dollar Credit Card in Canada: Which One is ...

Source: TD Bank. The annual fee for the TD US Dollar Visa is $39 USD; Can be waived if you have a Borderless Plan (US Dollar Account) and a minimum of $3000 USD in your account at all times. You can check out my review of the card here.; Up to $5,000 of trip interruption coverage, to a maximum of $25,000 for all people insured on the same trip; Up to $1000 for delayed (if delayed for greater ...

https://www.genymoney.ca/best-no-fee-us-dollar-credit-card/


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Step-By-Step Guide on How to Invest your TFSA with ...

How do you invest with your TFSA with Questrade?. It’s actually very easy and this monstrosity of a post will hopefully explain the how and why, and the step-by-step on how to set up a lean mean TFSA investing machine portfolio. I promise I will explain how to set up a TFSA investing portfolio, but first, let’s delve into what exactly is a TFSA is and look at the background behind it.

https://www.genymoney.ca/how-to-invest-your-tfsa-with-questrade/


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WealthBar vs Wealthsimple Review: A Comparison of Canadian ...

Genymoney.ca’s Verdict on Wealthsimple vs WealthBar. Reviewing both Wealthsimple and WealthBar, I like the variety of options available with Wealthsimple (Wealthsimple Trade, Save, and Invest) and their Priority Pass membership option. However, I like the personalized feel of WealthBar. With WealthBar, you can talk to a real person, have real, personalized and unique financial advice ...

https://www.genymoney.ca/wealthbar-vs-wealthsimple-review-robo-advisors/


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Sodastream Fizzi Review: My Perrier Alternative - Genymoney.ca

via GIPHY. I ended up drinking a lot of Perrier in the slim 250mL cans because I had a huge craving for it. It was always refreshing (especially in the summer) and something to offer guests on the rare occasion that anyone stops by at our place.

https://www.genymoney.ca/sodastream-fizzi-review-my-perrier-alternative/


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Asset Allocation: Do You Have Canadian Home Bias ...

One of the important tenets of DIY investing is to make sure your asset allocation is on track and ‘on point’. According to Investopedia, asset allocation is an investment strategy that balances risk and reward by looking at your time frame, your risk tolerance, and your investing goals. Sure, I would have loved to have gotten at 20% return on my portfolio in 2017 by investing everything I ...

https://www.genymoney.ca/whats-your-asset-allocation-do-you-have-canadian-home-bias/


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Genymoney.ca - Genymoney.ca: Make the Most of your Money

Genymoney.ca: Make the Most of your Money. I recently applied for the CIBC Aerogold Visa Infinite Card, here’s my review.

https://www.genymoney.ca/


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My TFSA Over-Contribution and How I Fixed It - Genymoney.ca

via GIPHY. #Firstworldproblems, right? That’s probably not what you want to hear right now though. I was doing some tidying up and purging in an attempt to get rid of 365 things in 2019 again, and found an old letter from the Canada Revenue Agency regarding my TFSA over contribution from 2012/2013. It was quite a few years ago but it was definitely a great lesson learned, because now I am ...

https://www.genymoney.ca/how-to-fix-tfsa-over-contribution/


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7 Sneaky Costco Hacks to Save Money - Genymoney.ca

Costco Return Policy. The Costco return policy is known to be ridiculously generous and is the best Costco hack. You can return your Costco membership if you’re dissatisfied- though you might look like a real jerk returning it before the 1 year mark is up and frequenting Costco every month.

https://www.genymoney.ca/7-sneaky-costco-hacks-to-save-money/


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EQ Bank Review: Is EQ Bank Safe? I Took the Plunge ...

Cons of EQ Bank. It is entirely online (as mentioned earlier this may be a con for you but it is not a negative for me); The EQ Bank App on Apple iTunes is not rated very well (a 1.5 out of 5 ratings); You don’t get a EQ Bank debit card (a physical bank card) with your account number on it; It is only for non-registered accounts, e.g. you can’t open an EQ Bank RRSP or an EQ Bank TFSA ...

https://www.genymoney.ca/eq-bank-review-is-eq-bank-safe-i-took-the-plunge/


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Rogers World Elite Mastercard Replacement in 2020 ...

This post may contain affiliate links. Please see genymoney.ca’s disclaimer for more information.. Genymoney.ca’s Verdict. Disregarding sign up bonuses, it looks like signing up for the BMO World Elite CashBack Mastercard would be the winner in this case for a straight 1.5% cash back (with the sacrifice of $6000 a month minimum in the banking package so you don’t have to pay the annual fee).

https://www.genymoney.ca/rogers-world-elite-mastercard-replacement/


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How to Transfer USD from Paypal to a USD Bank Account in ...

Here’s a step-by-step guide on how to transfer USD from Paypal to a USD bank account in Canada. This is for if you get paid US dollars through Paypal but live in Canada (and have bank accounts in Canada), and if you want to KEEP your US dollars intact as US dollars.

https://www.genymoney.ca/how-to-transfer-usd-from-paypal-to-a-usd-bank-account-in-canada/


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6 Best Travel Credit Cards for Seniors in Canada ...

This is an in-depth post of the 6 best credit cards with travel medical insurance in Canada for seniors or those over age 65 or retirees planning to travel.

https://www.genymoney.ca/travel-credit-cards-for-seniors-canada/


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Family RESP vs Individual RESP: Which One is Better ...

Siblings already share a lot of things- toys, clothes, parental attention… Should they share a RESP in a family RESP too? We finally got around to it and recently opened up another RESP for our daughter (the new Baby GYM). We had all the paper work ready, including her birth certificate, her social insurance number, and our government issued ID’s to apply for another RESP account.

https://www.genymoney.ca/family-resp-vs-individual-resp-which-one-is-better/


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Maternity Leave Canada: 12 vs 18 Months of ... - Genymoney.ca

Oh, Canada. Maternity leave in Canada. We are very lucky in Canada to have a 12-month parental leave (and now 18 month parental leave). Whether you’re taking maternity leave in Ontario, maternity leave in Alberta, maternity leave in Manitoba, or maternity leave in British Columbia, we all have the same access to 12 months or 18 months of parental leave.

https://www.genymoney.ca/maternity-leave-canada/


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Checkout 51 Review: Ibotta for Canada - Genymoney.ca

This post may contain affiliate links. Please read genymoney.ca’s disclaimer for more information.. How often does the app update their list of Checkout 51 offers? Checkout 51 updates their Checkout 51 stores list every week.; Every Thursday at 12:00 AM in your time zone, you get a new list of Checkout 51 deals or the week (these ar ecalled Checkout 51 Offers)

https://www.genymoney.ca/checkout-51-review/


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Norbert Gambit: How to Convert CAD to USD in Questrade for ...

With the Canadian dollar at a three year high (as of writing), I’ve been converting some of my Canadian dollars in my investing account to US Dollars so that I have some money ready to buy US dollar equities when the next recession hits. Here’s how to do Norbert Gambit for Questrade… and how to Convert CAD to USD in Questrade for $6. It also never hurts to have US Dollars especially if I ...

https://www.genymoney.ca/norbert-gambit-convert-cad-usd-questrade/


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Principal Residence Exemption: How to Calculate the ACB ...

Principal Residence Exemption: How to Calculate ACB . Congratulations, you sold your principal residence and you made some money (hopefully!). The icing on top is that you don’t have to pay taxes on your capital gains because of Canada’s Principal Residence Exemption.

https://www.genymoney.ca/principal-residence-exemption-calculate-acb/


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PC Optimum Review: My Experience So Far - Genymoney.ca

Source: PC Optimum Upcoming Changes Ahead. There were some enticing offers initially, like the 20x the PC Optimum Points event at Shoppers in the flyer (yes, just like old times!) and another 7500 points (which is worth $7.50) when you spend $75 or $100 (I forget which one) at No Frills that was an offer in the app.

https://www.genymoney.ca/my-pc-optimum-experience-so-far/


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Motive Financial Review: The Savvy Savings ... - Genymoney.ca

What is Motive Financial. Motive Financial is a division of Canadian Western Bank, which is a member of the CDIC (Canada Deposit Insurance Corporation). There was a CWB (Canadian Western Bank) online division called Canadian Direct Financial which was originally in place since 2008, and in April 2017, they rebranded to Motive Financial.. Motive is based at the headquarters of Canadian Western ...

https://www.genymoney.ca/motive-financial-review-savvy-savings-account/


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9 Easy Ways to Earn Passive Income in Canada - Genymoney.ca

So if you invest $10,000 of your after-tax earned money in EQ Bank, you will get $170 after 1 year, or $14 per month, provided that you don’t touch the principle.. One thing to note is that if you have your high-interest savings account in a non-registered account (meaning that your money is held outside of a TFSA or an RRSP), the interest income (e.g. $170) will be taxed at your marginal rate.

https://www.genymoney.ca/9-ways-to-earn-passive-income-in-canada/


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Capital Gains Tax Rate in Canada: Keeping it Simple ...

If you’re interested in signing up for Wealthica, they have generously provided a Google Sheets Export ($5.99/month value) for 3 months to readers who link more than $100K in investments. Just email me for the promo code (click on the button below). Here’s my Google Sheets Export add-on review.. It’s very useful for tax time.

https://www.genymoney.ca/capital-gains-tax-rate-in-canada-keeping-it-simple/


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The Minimalist Wallet – How Credit Cards Fit in the ...

Hi everyone, this is a guest post from CreditcardGenius, the mastermind behind this useful website is Stephen, who is a long time blogging buddy of mine, we go back almost 10 years when he started HowtoSaveMoney.ca!

https://www.genymoney.ca/the-minimalist-wallet-how-credit-cards-fit-in-the-picture/


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Best High Interest Savings Joint Bank Accounts in Canada ...

What is a High Interest savings Account. First off, let’s define what a HISA is. A HISA stands for high interest savings account. These are usually online-only banks where you skip the middle man and the brick and mortar bank so that higher and more rewarding interest rates can be passed off to you.

https://www.genymoney.ca/best-joint-high-interest-savings-accounts-canada/


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How to Give a Share of Stock as a Gift - Genymoney.ca

Isn’t it pretty? Benefits of Giving a Share of Stock as a Gift. There are lots of benefits to giving a share of stock as a gift. It is a great way to teach a money lesson to your children.. Many people start becoming interested in investing from a physical share certificate that was gifted to them.

https://www.genymoney.ca/how-to-gift-a-share-of-stock/


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The Ultimate List of Canadian Dividend Investing Blogs ...

Canadian dividend investing blogs are a great source of inspiration for earning passive dividend income. Although dividend-paying individual stocks are as large of a component of my investing portfolio now compared to a few years ago, I am still a huge fan of dividend investing and liken it to the ocean waves, consistent and reliable (usually).. It’s purely passive income, no annoying ...

https://www.genymoney.ca/the-ultimate-list-of-canadian-dividend-blogs/


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How to Invest your TFSA: 6 Ways to Do It - Genymoney.ca

What is a TFSA? A TFSA stands for Tax Free Savings Account. It was introduced in 2009 and anyone over the age of 18 is eligible to open one. Just like the RRSP (Registered Retirement Savings Plan), you can hold a variety of investments within a TFSA.The TFSA is not a savings account but is just a ‘basket’ to hold your investments.

https://www.genymoney.ca/how-to-invest-tfsa/


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The 5 Best Dividend Stocks in Canada - Genymoney.ca

With all the choices out there on the TSX, you may be wondering what are the best dividend stocks to buy? I am a huge fan of Canadian dividend stocks though I make sure my asset allocation is still on point so that I do not have too much Canadian home bias in my investment portfolio. It can be easy to get carried away, at one point I had over 50% of my portfolio (I think it was actually closer ...

https://www.genymoney.ca/the-5-best-canadian-dividend-stocks-to-invest-in/


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Instant Pot Air Fryer Lid Review: Save Money and Time ...

Here’s my Instant Pot Air Fryer Lid review. I have heard the buzz about air fryers for a long time. People tout their amazingness and how they use it more than the Instant Pot.. I didn’t think this was possible since I use my Instant Pot almost on a daily basis.

https://www.genymoney.ca/instant-pot-air-fryer-lid-review-save-money-and-time/


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The 7 Stages of Investing: Which Stage Are You At ...

I have been investing for over 15 years. I have some experience investing as a millennial (albeit an older millennial). I have learned some good investing lessons throughout the years (especially in my 20’s), and I have yet to learn many more. Investing and meditation have many similarities, including the 7 factors of enlightenment (or investing).

https://www.genymoney.ca/the-7-stages-of-investing-which-stage-are-you-at/


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Scotiabank Preferred Package Review - Genymoney.ca

The Scotiabank Preferred Package used to be called The Scotia One ™ account and they rebranded it and added some additional perks in October 2019. The also increased the monthly fee by $2.00 from $13.95 to $15.95 a month. Some of the changes include unlimited Interac e-Transfer transactions, a free USD savings account, and a 1st year free premium credit card.

https://www.genymoney.ca/scotiabank-preferred-package-review/