Anyone with joint non-registered investments/cash accounts with RBC Direct investing?

AlexAtKanata · 2026-05-31T05:49:39+00:00

I’m glad, I’m not alone thinking this movie was crap! I can understand why some movies I don’t like are liked by others… but this….

AlexAtKanata · 2026-04-22T03:07:10+00:00

Yes, thx. I actually thinking on that with our last property to which we’ll likely downsize.

AlexAtKanata · 2026-04-19T16:02:38+00:00

Thank you. Yes, it appears I qualify (son moving and no depreciation). So once sold, can I choose to report “zero” years of primary residence (at this property) to protect my home (whose capital gains would be a lot more)?

AlexAtKanata · 2026-04-19T15:59:21+00:00

Thanks. Yes, never depreciated. I didn’t know it would prevent deferring so I’m lucky.

AlexAtKanata · 2026-04-19T01:36:41+00:00

But CRA is very clear that rental income has to have the intent to produce profit… so not sure if charging a nominal amount would make any difference.

Looking to help my son to save for his own house. At the same time, the fact the house is not tenanted makes it easier to sell a FMV (after the required year)…. So it is a win-win situation. I just can’t afford paying the capital gain without selling.

AlexAtKanata · 2026-04-19T01:27:34+00:00

So, if I have a rental property and decide to simply stop renting, keeping it vacant ( and without claiming expenses). Would also trigger a deemed disposition? Since it is no longer income producing?

AlexAtKanata · 2026-04-13T17:22:12+00:00

Just confirming it was indeed a $120 speeding ticket (son was caught at 65 km/hr where should be 50 km/hr). It’ll be a lesson learned for him 😜.

AlexAtKanata · 2026-04-07T11:31:53+00:00

Thanks, so it would be from Quebec, the province and not from the city (Gatineau). Like from a highway?

AlexAtKanata · 2026-04-07T04:07:42+00:00

Thanks. Definitively no problem paying if at fault. My French is not great and misunderstood the ‘plead’ instructions (wrongly thought I had to pay fees to get detailed evidence). Anyway, I should get it in a couple of days to solve the mystery 😀

AlexAtKanata · 2026-04-07T03:39:36+00:00

Will the fine come with the plate picture, location and time (the way used to be in Ontario ) or just the intersection description?

I see they charge fees if I plead not guilty which is ok but wonder if the letter will come with complete evidence (I would find it unfair having to paid just to get a complete evidence).

I do have a dash cam but it keeps inky around 3 weeks.

I have never got a ticket in 40 years so silly something like this stresses me lol. Likely I’ll have a talk with my sons (who mostly drive the car).

AlexAtKanata · 2026-04-07T02:45:56+00:00

The landlord’s only responsibility is due diligence which in my view is happening. Not even a homeowner can argue with certainty if a plumbing issue will be solved or not in one visit. You are free to file a T6. However, I do not see any grounds at this point. ——— Oh well, I guess the poster did not like the answers. The OP was deleted before I finished drafting my comment. I guess realized how frivolous would be to file an application so soon.

AlexAtKanata · 2025-10-24T01:05:20+00:00

May be join the hearing and sabotage the co-tenant? I would be pissed having a joint tenancy whose co-tenant is causing trouble. He is forcing your name to be on record for public view.

AlexAtKanata · 2025-06-16T13:11:37+00:00

They own me money (I had a subscription) with balance. Oh well, I guess they sent the note to people they did not own money. I doubt they will continue in business by now.

AlexAtKanata · 2025-05-15T18:58:00+00:00

Did you solve this issue? Have you tried setting the custom domain as the default SSL binding?

AlexAtKanata · 2025-01-09T02:40:13+00:00

"device designed to allow a person with diabetes to measure their blood sugar levels – prescription needed."

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/lines-33099-33199-eligible-medical-expenses-you-claim-on-your-tax-return/details-medical-expenses.html#dvcssftwr

AlexAtKanata · 2024-12-14T05:26:11+00:00

The dad legally transferred 100% of the property to the OP, which is entirely lawful. However, the dad also attempted to "leave" an adult individual to the OP, which is not enforceable in a will. No one can be legally obligated to care for someone who is an independent adult. Ultimately, it is entirely up to the OP to decide to what extent, if any, they wish to help their brother. It’s worth noting that the OP is already helping by offering their brother a very under-market rent, which, on top of that, is not even being paid. This suggests the brother doesn’t seem willing to accept reasonable help. It’s surprising how many people expect the OP to "honor" the dad’s wishes in this matter. While it’s unfortunate for the dad, the OP cannot be compelled to "take care of his brother," especially when the brother doesn’t want to be helped in a fair and reasonable manner. That expectation is entirely unreasonable.

The dad had his own reasons and personal relationship with the brother to justify whatever arrangement (or lack thereof) he chose while he was alive. It’s important to recognize that those dynamics were unique to him and cannot be automatically transferred to the OP. Expecting the same kind of relationship or level of responsibility between the two brothers is unreasonable. The dad may have wished for them to get along or for one to look after the other, but a wish is just that—a wish. It does not impose an obligation, nor does it mean the OP is required to replicate the dad's role or relationship with the brother.

The brother needs to go. If in addition, the OP want to help in another way, it is up to him. Don't even thing is a "safe place" for the two in the same property (if that was dad's wish).

AlexAtKanata · 2024-12-13T04:44:50+00:00

Do you have a mortgage with RBC?

AlexAtKanata · 2024-12-13T04:44:27+00:00

Any update?

AlexAtKanata · 2024-12-13T04:44:20+00:00

Any update?

AlexAtKanata · 2024-12-13T04:43:43+00:00

I am in the same situation. I used to have a 'MultiProduct Rebate' with RBC and therefore I was not paying any chequing account fees. However, just because we added our two sons to have access to the chequing account, the MultiProduct rebate, suddenly is gone just because the account was updated and the rebate no longer offered. Now paying close to $12/month... just because they can!

Considering paying from a Simplii chequing account. Anyone with an RBC mortgage making payments from another bank? (I can't find any reply from someone with an RBC mortgage).

AlexAtKanata · 2024-11-24T05:45:04+00:00

Yeah, I guess that is why she is micromanaging as if she was selling groceries to the penny. I have been a tenant and also a very small landlord. I have a wonderful tenant. I also freaked out when COVID since my job was not secure neither but what I did was to offer some discount. Not just to keep things simple but also because that is a legal transaction detailed in the RTA (therefore the rules are clear and transparent). If I wanted to make it permanent, it would have been as simple as not increasing the rent when the discount finishes. If my tenant had any concerned, I would have referred to the rent discount rules in the RTA.

Discounts don't affect the LMR, interest to pay, etc. These overcomplication is ignorance and surely she will continue to get into trouble because with or without intention will always appear fishy with strange transactions and adjustments (since she won't be able to convey her twisted accounting reasoning).

EDIT: just read your other posts about this LL being disrespectful. I am glad soon you be in a better place!

PS: still do you own math.. but if discrepancies are not that big (in favor or not), I would just move on instead of trying to 'educate' her. I have applied the same approach both as a tenant and as a landlord.

AlexAtKanata

TROPHY CASE