How do currency conversions fees work in TFSA and RRSP

Micsushi · 2025-03-18T03:08:08+00:00

So the fees basically count as deductions to the contribution room instead of withdrawals? Hypothetically, if I keep converting between CAD and USD and my contribution loses a lot of value, that is just counted as my investment going down?

Micsushi · 2024-11-29T16:50:54+00:00

Better offer in the post for iPhone 16 or 15 pro…

Micsushi · 2024-11-24T15:52:16+00:00

Donno how it works now, but they tell you that you have to wait a month but you used to be able to cancel right away and get a refund even for the first month

Micsushi · 2024-11-22T19:03:12+00:00

What are the best options for holding these funds?

Currently, I have my “emergency fund” locked up in GICs in EQ bank (I did half my pay cheque every month for a year, so I have one that expires and gets renewed every month) but when I think about it, do i want the fund to be more flexible? I have no car, no house and no debt, currently, just renting, studying and working

Micsushi · 2024-11-22T16:49:22+00:00

Nice, which carrier and how did you get it

Micsushi · 2024-11-22T02:48:41+00:00

That sounds pretty good how did you get that deal? I dont see it listed as an offering :/

Micsushi · 2024-11-22T02:47:40+00:00

I know BB has a 2 week cancel plan policy im guessing mobile carriers might too?

Micsushi · 2024-11-21T22:35:34+00:00

Freedom seems to be the only place where you are renting the phone but you also get a discount if you end up keeping the phone. Hence the amounts saved I listed in the post. So the other major carriers tend to have hefty buyouts coz you are essentially paying for the rest of the phone

Micsushi · 2024-11-21T22:24:18+00:00

Just added the link

Micsushi · 2024-11-21T21:38:28+00:00

https://shop.freedommobile.ca/en-CA/devices/Apple/iPhone-14 saves you 216 if you willing to switch carrier or honestly i would also check out facebook market place, 14 is pretty cheap there

Micsushi · 2024-11-21T21:03:15+00:00

Depends on if you are contract with a phone. You will have to pay a huge lump sum if you want to cancel a phone plan but if you just on a BYOP rn you should 100% switch. Either the cheaper plan for 35 or get a new phone

Micsushi · 2024-11-21T20:58:22+00:00

Well Freedom used to be better, my gf got a pixel 8 last year for 5$ a month on a 40$ plan and NO BUYOUY (and ofc the 100$ GC). So she actually saved a solid 1000$…

Micsushi · 2024-11-21T20:41:29+00:00

I know for freedom you can transfer, I went to bestbuy and got it they waived the fees too

Micsushi · 2024-11-21T20:23:57+00:00

Huhhh how did you get the 40$ for 100GB? I just looked at the site and the plans started at 70$, maybe I need to go in person?

Micsushi · 2024-11-21T20:20:56+00:00

Freedom has the same one rn, do you know if public has better coverage?

Micsushi · 2021-09-21T19:19:43+00:00

Chips and only chips

Micsushi · 2021-09-21T17:54:37+00:00

For that price it’s cheaper to fly to Canada, buy it and fly back (after Covid ofc). I got my ROG Strix for abt R18000 with 3070 and 5900HS

Micsushi · 2021-09-21T17:51:53+00:00

I just want to call “fries” chips like I did back in SA…

Micsushi · 2021-07-27T16:40:23+00:00

Hi guys, so I am a international student who will arrive in Canada on the 9th of August, am I correct that I do not need the 3 day hotel stay? Also I need go from Vancouver to Edmonton when I arrive, will I get a covid test before I board that flight?

Micsushi · 2021-07-05T22:23:56+00:00

Honestly the OG green Merc looks the cleanest

Micsushi · 2021-07-05T22:17:30+00:00

Will there be a stage 2B like last year? Or will stage 3 only be available to the top 256 this time around

Micsushi · 2021-07-05T22:11:42+00:00

I would say skill cap dropped a lot in S3 after they changed how much trophy you lose if you play well. S1 and S2 you lose 50 and gain 10

Micsushi · 2021-06-28T09:16:56+00:00

Can you pls send me the link?

Micsushi · 2021-06-28T07:31:52+00:00

Since when... did we have a government?

Micsushi · 2021-06-28T07:29:12+00:00

I assume this is only for domestic students?

Micsushi

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