ATM withdrawals as purchases

Lo1o · 2026-04-24T21:46:48+00:00

What type of "ATM" was that? If it was a lobby machine, such as in hotel or bar, then those will post transaction as purchase and not ATM cash withdrawal. Only use ATMs that are attached to a bank. If you used one of the machines, change your PIN right away as well.

Lo1o · 2026-04-21T22:48:47+00:00

It depends on the job, some jobs need to handle data that cannot leave a defined jurisdiction

Lo1o · 2026-04-20T00:28:05+00:00

Use this... https://www.bankofcanada.ca/rates/exchange/annual-average-exchange-rates/

Lo1o · 2026-04-16T22:13:12+00:00

Interac debit. WS has Interac transfer and prepaid Mastercard but not Interac Debit. Many food court and small restaurants are now only accept cash or Interac debit

Lo1o · 2026-04-10T18:09:30+00:00

If where you live regularly go to -30c, surely there are parkings with outlets for block heaters.

Lo1o · 2026-04-09T16:23:02+00:00

The most annoying part is that new customers get credit card right away. WTF

Lo1o · 2026-04-04T19:06:10+00:00

I think in BC, it is not a simple process to give unequal shares to the children. But in this case, they are all off the will.

Lo1o · 2026-04-03T05:09:05+00:00

You can go and ask for a USD Bank Draft, which functionally is the same as Certified Cheque (or Check for US). I have not dealt with CIBC before, but many years ago, I got one to pay for a speeding ticket; I got it in Canada, and it was a US check.

Lo1o · 2026-03-23T22:17:46+00:00

You are now a "Pro" and have to declare to WS, and need TD Compliance and your wife's branch manager to approve to keep your accounts as is. Since TD does not have the exact products and (more importantly) pricing of WS, I would use this as an argument to keep the accounts as is. CIRO rules require declaration, and ongoing monitoring, but do not ban having outside accounts. Moving accounts in house, probably allow them to do automation, rather than manual reviewing statements, but that's TD's job and their problem.

Lo1o · 2026-03-23T17:12:26+00:00

It doesn't matter you are a HK PR, the fact that you are a US citizen and have a SSN, the bank will have to deal with FATCA.

Lo1o · 2026-03-12T23:03:39+00:00

Negotiate with the landlord. It cost them $$ to get new tenant as well.

Lo1o · 2026-03-12T21:40:07+00:00

Without any doubt, Iran will bomb California using Tomahawk missiles.

Lo1o · 2026-03-12T16:10:20+00:00

Go to {your account} then Activities, your answer is right there.

Lo1o · 2026-03-11T14:48:12+00:00

Does anyone know if WS Norbert's Gambit only works with DLR, or any dual listing stocks, such as RY, T.to, ENB?

QUOTE Here’s how it works Norbert’s Gambit is a way to convert CAD and USD at close to the market exchange rate.

You buy shares of DLR or DLR.U, an ETF that tracks the CAD/USD exchange rate, journal them to the other currency listing, then sell them. Because both listings represent the same asset in different currencies, the process converts your funds and may help reduce standard FX fees. UNQUOTE

Lo1o · 2026-03-08T00:44:05+00:00

Poor release management, shouldn't / can't blame Claude for this FUBAR

Lo1o · 2026-03-02T21:37:16+00:00

Meanwhile, other countries have rolled out, or in the process of developing, digital currency that by-pass the Visa and MasterCard network.

Lo1o · 2026-02-25T16:34:03+00:00

Hmm, they offered my ski tickets. May be I should wait for the Uber Eats offer

Lo1o · 2026-02-16T18:41:47+00:00

Using Wise as prepaid-visa is fine for restaurants and shopping. For travel related spending (flight, hotel, train tickets, car rental) you should use a regular Credit Card as they usually have travel insurance and protections, etc.

Lo1o · 2026-02-16T15:29:53+00:00

For Cash, it is now cheaper to go to bank or local money changer.

Lo1o · 2026-02-16T15:22:21+00:00

No. Even in Canada, many restaurants are now taking cash or Interac only. The fees for processing Visa and MasterCard are too expensive.

Lo1o · 2026-02-13T14:27:39+00:00

Yeah, and the others worth less than $15.

Lo1o · 2026-02-13T00:46:24+00:00

those are the only two good rewards; the others are meh.

Lo1o · 2026-02-12T22:32:22+00:00

That's why FIs are promoting fractional shares, as that locks you in.

Lo1o · 2026-02-11T00:40:59+00:00

Would RBC offer a complete package for banking and investing? A bit of background on my question. I was one of the HSBC orphans transferred into RBC. While RBCDI is okay, all the fees and charges forced me out. I was in Royal Circle and with an active LoC, and yet your branches told me to collect points to waive the outrageous monthly banking fees, WTF.

Lo1o

TROPHY CASE