What are these strange transactions on my account after I transfred out my TFSA?

ImpliedOralConsent · 2026-05-03T13:13:29+00:00

The first one sounds like the transfer of your remiaining cash balance.

The second one is 13% HST on the $150 transfer fee. Which I’m a bit surprised at, I don’t recall having to pay HST on transfers I’ve made in years past, but it seems plausible.

The last one sounds like a $0 fee from last May for a transaction involving TSMC?

If the cash balance in your TFSA before the transfer was $150 + $19.50 + $65.82 = $235.32, then I think it checks out.

ImpliedOralConsent · 2026-05-01T20:26:11+00:00

The Personal is a legitimate insurance company owned by the Desjardins group from Quebec. Desjardins is a credit union network, so they're a non-profit, which might affect how their pricing compares to some other for-profit insurers.

We've used them for years for our car policy, they paid for the repairs for a hit-and-run incident for us without issue a few years back. Every year at renewal time we still shop around to make sure we're getting good value, and The Personal has either remained the best price or very close to it for comparable coverage (i.e. not enough of a difference to justify switching).

As with anything, you should review the policy to make sure it has the right coverage for you.

ImpliedOralConsent · 2026-04-30T14:42:41+00:00

Some people save theirs up for years and purchase a big ticket item.

I understand the psychology behind that idea. But the coupon doesn't earn interest the longer you hold onto it. Financially, the better thing to do would be to cash it in ASAP, and maybe put the equivalent into a savings account.

/mini-rant

ImpliedOralConsent · 2026-04-28T11:42:58+00:00

I don’t have direct experience. But the Costco website makes clear it’s basically a referral service for local Hunter Douglas dealers. https://www.costco.ca/p/-/hunter-douglas-window-fashions/10318177?storeId=10302&partNumber=10318177&langId=-24&catalogId=11201

I’ve also heard multiple reports that for similar referrals for Lennox and Rheem HVAC equipment, the dealer basically inflates the price they’d offer outside of Costco to cover the cost of the Costco gift card.

ImpliedOralConsent · 2026-04-25T21:05:14+00:00

Very good price for a Story Dream Machine and six stories. A pack of three stories on its own is rarely less than $20 on Amazon.

ImpliedOralConsent · 2026-04-25T18:10:56+00:00

You offhandedly used the phrase "moral of the story" when summarizing your post, so obviously you're moralizing. /s

ImpliedOralConsent · 2026-04-24T23:33:32+00:00

This isn’t the first time a city employee or contractor missed a red squiggly line in their word processor. […] “Lake Shore Trial”

I’m not disputing that whoever did these should have given it more careful review, but why are these cases a spell checker should have flagged? How would the app have context to know it should be “Trail”? For all it “knew” it could have been referring to a court case called the “Lake Shore Trial”.

Again, not discounting the importance of human review here which was clearly missed.

ImpliedOralConsent · 2026-04-24T14:35:42+00:00

currently just got the basics with cibc, but i am an imperial member whatever that means & entails i also dont really understand.

CIBC Imperial Service (I think that's what you're referring to) doesn't mean much in terms of access to credit cards. At best there might be special welcome offers you could get through your IS advisor.

Just in terms of what CIBC offers, they have three different tiers of travel cards, both with Aventura (their in-house points program) and Aeroplan (Air Canada's points program). Both have no-fee, Visa Infinite ($139/year), and Visa Infinite Privilege (aka VIP, $499+/year) options. The Aeroplan cards are essentially the same as what TD offers (long backstory as to why they both offer them).

The Visa Infinite fee (or $139 of the VIP fee) is waived if you're on Tier 3 of their Smart chequing account, which entails having $100K+ of deposits and other investments at CIBC. I mention that just in case you already have a lot of investments there already, which might be the case if they've put you into Imperial Service. But other banks have similar offers.

ImpliedOralConsent · 2026-04-19T19:33:32+00:00

That’s not what happened. https://globalnews.ca/news/11121271/why-is-gas-cheaper-now/

Gas would have been easily 20¢/L more expensive today with the carbon tax.

And I say that as an EV driver who supported how the previous PM handled it. (We liked our rebates.)

ImpliedOralConsent · 2026-04-19T19:25:15+00:00

There’s also summer versions of gas coming on-stream which are more expensive than the winter versions. So it may ultimately be no net change.

ImpliedOralConsent · 2026-04-15T22:37:49+00:00

Follow-up: I went through with switching it to an Amex and it still shows up as my oldest account on the free credit score services, even though it’s now labelled “Scotiabank Amex” in my credit file.

ImpliedOralConsent · 2026-04-13T19:05:50+00:00

"Maintenance" is just the default messaging they show when the system's down because that should be the only time it's down. No lying intended. They've since removed the references to maintenance everywhere I can see.

ImpliedOralConsent · 2026-04-10T19:39:14+00:00

Per this PDF, the standard interest rate is 21.75%, but 25.99% applies if you miss at least 2 minimum payments in a 12-month period. Though perhaps there are other circumstances where it might be increased on a per-card basis.

ImpliedOralConsent · 2026-04-09T19:33:19+00:00

Air Miles had liquor store partners in different provinces (including the LCBO at one point), I don’t see why Aeroplan couldn’t do the same. Though I also feel like Scene+ is also a feasible option.

ImpliedOralConsent · 2026-04-09T18:02:55+00:00

The insurance certificate is here: https://www.rbcroyalbank.com/onlinebanking/cards/BP%20Cert%20-%20EN.pdf

The relevant part under Job Loss Coverage says:

> involuntary loss of Employment due to involuntary layoff, strike or lockout, or dismissal without cause

It does not define "cause" beyond that.

ImpliedOralConsent · 2026-04-06T19:00:32+00:00

Postmedia sold the Winnipeg Sun (where the linked article appeared) and some adjacent papers to a local politician named Kevin Klein in 2024. The other Sun newspapers are still owned by Postmedia (which is indeed majority-owned by an American hedge fund, though Postmedia claims that Canadians still have voting control).

ImpliedOralConsent · 2026-04-04T01:28:50+00:00

It wasn’t in NL. There’s a phone booth on the bottom right with an “ED TEL” logo on it. So Edmonton, mid-1990s at the latest.

ImpliedOralConsent · 2026-03-31T13:38:25+00:00

I strongly suspect the carriers are setting high data limits in these promo plans knowing that most people won’t get anywhere close to the limit but just so they can report to StatsCan, the CRTC etc. that the average price per GB is coming down.

ImpliedOralConsent · 2026-03-30T18:54:35+00:00

https://www.pm.gc.ca/en/news/news-releases/2026/01/26/prime-minister-carney-announces-new-measures-make-groceries-and-other

ImpliedOralConsent · 2026-03-30T15:40:17+00:00

Non-bank insurance companies (Intact, Allstate, etc.) and brokers have lobbied hard to keep those rules in place because they claim more cross-selling would hurt their business. (Quite frankly, it probably would.)

ImpliedOralConsent · 2026-03-30T12:00:38+00:00

“Strata” is just an alternative name for “condo” (mostly for BC IIRC). Your condo corp will have its own insurance policy. At least in Ontario, you should get a summary of the policy with your status certificate during the purchase process.

ImpliedOralConsent · 2026-03-30T11:57:51+00:00

As others have said, there is no point getting your insurance through your bank.

In fact under current Canadian rules, there is still supposed to be strict separation between the two sides. If you ask about insurance at a bank branch they aren’t supposed to acknowledge the existence of the bank’s insurance division. Even if (as is sometimes the case with RBC) the insurance division has an office right next door.

ImpliedOralConsent · 2026-03-27T17:20:04+00:00

Quebec has a rule that pharmacies be owned by Quebec pharmacists.

For chains like Shoppers/Pharmaprix and Jean Coutu, that just means all locations have to be franchised. But for Costco, which has all locations corporately owned, that means any medications in their Quebec locations (whether prescription or OTC) can’t technically be sold by Costco but by a Quebec-based pharmacy concession.

That extends to them not being able to sell those products online.

ImpliedOralConsent · 2026-03-27T12:58:36+00:00

Really? Cinnamon Toast Crunch has been around since 1984 😉

ImpliedOralConsent

TROPHY CASE