Foreign Currency Option - Scotiabank

Good travel reward cards

Anybody have any recommendations for travel reward cards? Currently using the Cibc Aventura card but seeking to to increase my capability of earning points. To give an example I was looking into the Aventura Good Visa card.
submitted by CHAAAAAAAA18 to PersonalFinanceCanada [link] [comments]

Best CAD CC for no FOREX fees & CB on high spend categories

For the longest time, I’ve had the PCF WE MC that isn’t really all that useful to me as most of my purchases are for dining out and groceries (getting back 1%) and I don’t shop at most of these loyalty stores anymore (Shoppers, Loblaws, No Frills, etc).
Anyone have recommendations as to the next best option for someone who already has a great AMEX Cobalt card (that’s barely accepted by any merchants) and would like a card to replace my PCF WE so I have a card that I can actually use when my AMEX isn’t accepted? FWIW, some merchants actually charge a fee to use AMEX... Looking for most, if not all, of the following features sorted by order of preference:
I feel like the Rogers WE, which has been SEVERELY devaluated, still satisfies what I’m looking for but would like to evaluate any other options.
P.S. Does anyone know if Visa or AMEX allows for gaming/casino purchases? I know MC works.
submitted by 10Kchallenge to PersonalFinanceCanada [link] [comments]

Forex with Brim Mastercard

For the purposes of avoiding forex fees, I reluctantly applied for the Brim Mastercard. I currently have the Scotia Passport Visa but I want to get rid of it because I don't really make use of the lounge passes. Therefore it's not worth it.
Brim reserves the right to set their own forex rate, thus hiding possible forex fees.
I asked them about it today on the phone. They said they're still working on setting their own rates but nothing has been decided yet and no decision has even been made if they will go through with it or not. For now they said they're going with the Mastercard rate.
Does anyone possibly work for Brim or have more info? With the changes to the Rogers world elite card and avoiding the annual fee, I feel Brim is my only option.
I also don't want a prepaid card like Stack.
submitted by RationalSocialist to PersonalFinanceCanada [link] [comments]

MBNA Amazon MasterCard is here

When Chase launched its Amazon card in 2012, it was a different world. We were all dancing to Gangnam Style, for instance. It was the only no fee, no FX card in Canada and had a great automatic redemption process.
Now MBNA has relaunched the card...but how does it stack up to its new competitors?

For those with Prime and don't qualify for the income for the Rogers World Elite, this seems to be a reasonably good offer. Its welcome bonus is good for a no-fee, non-World Elite card. I would say it most closely resembles the Rogers Platinum MC. But Rogers gives you cash.
submitted by Specialist_Check to churningcanada [link] [comments]

Ready to invest first time. Please correct my plan/strategy.

I have almost finished reading Millionaire Teacher, and am ready to invest. Will keep funds in for at least 10-15 years. I need to figure out my risk tolerance. I'm approaching age 40, thinking of keeping 35% bonds. At this point, I need to have my account on a brokerage ready ASAP as I learnt that it could take a few days to set up. For now, I am looking to purchase ETFs regularly. I'm looking at putting $100 per month. Hopefully cash flow will be disciplined enough to continue without breaks.
Currently, I have the following:

Please help me understand the following:
  1. How much cheaper is Norbert's Gambit than using a ForEx company to do a conversion from CAD to USD? I've never done either. I have done USD to CAD before, which basically takes 2-3 business days for the draft from the ForEx company to clear.
  2. I am considering either Questrade, TD Direct Investing or Scotia iTrade. Based on the reviews Questrade seems to be the best option. Which one would you recommended for a beginner like me? (Would be great feedback if you have used Questrade and TD/iTrade.)
  3. I mostly bank with Scotia. My investments will be 50K+ to start. Should I be considering iTrade over the other two for convenience? Or will the fees not make sense in my case?
  4. Is Norbert's Gambit possible to do with Scotiabank?
  5. Say I select Questrade, what is the most efficient (time/cost) process to move forward? Is the below correct?
    1. Transfer TFSA from Meridian to TD.
    2. Do Norbert's Gambit to convert to USD
    3. Transfer USD TFSA to Questrade.
    4. Transfer RRSP to TD
    5. Do Norbert's Gambit to covert to USD
    6. Transfer USD RRSP to Questrade.
  6. What steps above will incur least fees? I understand Questrade covers upto $150 transfer fee? But if I transfer my registered accounts to TD for Norbert's Gambit first, those fees won't be covered?
  7. Lastly, I'm not very knowledgable on RESPs. I understand gov't matches some part of the contribution? We have two kids, ages 10 and 8. No RESP yet. Can investments be made in RESPs? Any tips on this would be very much appreciated.
Thanks in advance!
submitted by LiveWithinYourMeans to PersonalFinanceCanada [link] [comments]

Credit card questions

Have some questions, hope someone can help me through all of this.
Right now I have a basic no-fee TD Visa cash back card. I want to get a travel rewards credit card.
I've narrowed it down to the following cards:
TD First Class Travel Visa Infinite
RBC Avion Visa Infinite
CIBC Aventura Visa Infinite
American Express Cobalt
A big concern for me is having open and easy redemption as far as flight rewards go. I want any airline, no blackout periods, and no seat restrictions. That's why I want to avoid cards that use Aeroplan or other specific airlines.
I'm just confused when it comes to each bank's point system. They all have different ranges and values and it makes it hard to visualize which one has the best bang for your buck. Does anyone have any insight as to which one is preferable or offers the best basic benefits for travel?
For the RBC card, a big perk I like is saving 3 cents per litre on gas, and getting a little boost in points as well when you fill up at Petro.
My girlfriend uses the RBC Avion card and she seems to like it. If I were to get another bank's card and then we wanted to go on a trip together, wouldn't she want to use her card to book and I want to use my card to book? If we both were to use different travel portals to book a trip by redeeming points, how easy would it be for her to use RBC's redemption site and for me to use TD's (example) and pull up the same flight to book on? Are there big differences in what flights show up on different banks' travel portals?
submitted by dpanim to PersonalFinanceCanada [link] [comments]

Rumour: 30,000 points WB offer for Scotia Gold Amex on August 1st

Rumour: 30,000 points WB offer for Scotia Gold Amex on August 1st
The new Scotia Gold American Express is coming in a few days, and the rumour is that there will be a new improved welcome bonus of 30,000 Scotia Reward points (worth $300).
It's also rumoured to have a totally new gold on black design, which if true would send this card from Ugliest Gold Card in Canada to one of the Top 5 imho.
TL;DR: You can apply now with the cheaper $99 AF, or gamble on a higher WB after August 1st when the AF goes to $120
Things are know are gonna happen ( ):
  • AF rises to $120 AF :(
  • Groceries, Dining and Entertainment go from 4x to 5x :)
  • Gas goes from 4x to 3x :(
  • "Streaming services" is a new thing at 3x :)
  • Public transit is also a new thing at 3x :)
  • No forex fee! But you only get 1x on any foreign purchases
  • $50k cap on bonus categories stays the same
  • Killed off Price Protection, nerfed some insurances :(
  • Still redeems at $1 = 100 points on portal or Pay Your Own Way :)
submitted by Specialist_Check to churningcanada [link] [comments]

Just graduating university and starting work, need a new credit card(s).

Hey guys, I recently graduated university and will be starting work next week. It's time that I get serious about my personal finances... I currently have a CIBC Dividend card and CIBC Imperial Service? Debit card, these were picked by my parents and I think I should really take ownership of these kinds of things.
TL;DR of myself. My annual salary will be 95k. I like to travel but not too much, a few vacations (1 - 3 weeks) a year just to have a nice work life balance. I will be living in downtown Toronto, so I think I won't be owning a car in the near future. I like putting money into:
I currently spend about 1k a month, excluding rent. My spendings:
I've looked into 2 cards that might appeal to me, from some of the posts I've read: 1) AMEX Cobalt Card 2) Rogers Platinum MasterCard. The AMEX will be for food and transportation and Rogers one will be for when I travel.
I have 2 concerns:
  1. I've been reading some posts on /churningcanada/ and been wondering if the rewards are really worth it and simply cash back is better?
  2. I'm not sure if I need a Visa card or not? Will I have troubles with a Amex and Mastercard only.
submitted by ericxiao251 to PersonalFinanceCanada [link] [comments]

Most accessible Canadian bank to use if wanting to travel internationally(Asia, South America, Europe, etc)? Looking for banks with a decent brick and mortar presence in other countries and wanting to find out which one might offer the lowest fees when it comes to sending/ receiving money online?

I don't own a credit card and would prefer not to get one, so I'm just trying to get an idea about which group of Canadian banks I should probably focus on before trying to narrow down my options depending on the specific country I will end up traveling to (and possibly moving to).
Could be Costa Rica, Ecuador, Thailand, Italy... still undecided for now.
submitted by personalfinlance to PersonalFinanceCanada [link] [comments]

My credit card plan

Hello! So during school I was lazy for the most part regarding my banking, and now that I've graduated and I have a real job I want to sort out my financials and make sure I am getting the most out of my spending. Currently I have 2 credit cards, an RBC Signature Rewards and Scotia's Scene CC with credit limits close to $10K each. I am planning to cancel my RBC rewards because I'm in the process of switching out to TD and I'm not going to pay the $40 annual fee to keep the card, and as for my Scene it gets me good points but I don't got to Cineplex often and they keep jacking up the Scene redemption rates.
My monthly expenses are roughly as follows:
This is what I plan to hold (upon approval of course):
Simplii Cash Back Visa - Use exclusively for 4% on restaurants (I'll have to open an account with them tho, which is fine because I can churn and get $200 for opening one)
Tangerine MC - 2% back on the recurring payments + maybe gas? (IF I get approved that is)
Rogers WE MasterCard - $0 annual fee, 1.75% on everything, 2% on my Fido bill (in case I can't get Tangerine), 4% on Forex when I travel and online purchases + WE benefits. I don't make $80K but I feel like my combined household limit is $150K but I need to double check this.
And my fallback option if I can't get the Rogers WE is to go for the SimplyCash and get 1.25% on the rest of my purchases. I saw somewhere that the Amex Cobalt was good but I got confused on how the redemption works and I don't think be positive enough over the $120 annual fee for it to be worth it. Also I was exploring the TD and Scotiabank offers and they didn't seem to entice me as much as the Rogers WE, and I can get TD's annual fee's waved because I can put $5K liquid as my emergency funds in a No Limit account and avoid banking/CC fees. I could do the same for Scotia with their new account, but I am wary of them because I've heard stories on here about them being poor to deal with.
Thanks for looking and I'll appreciate any advice on cards that I may have missed!
submitted by fatcowxlivee to PersonalFinanceCanada [link] [comments]

Rogers Mastercard dropping from 4% to 3% cashback on foreign transactions, best alternatives?

I've been holding off on deciding on a replacement for my Chase card. Part of me was expecting that the day the card went defunct (yesterday), Amazon would announce a new partnership or maybe that they were planning on releasing a new card themselves. Wouldn't surprise me to see them make the move into banking.
Now that the doors have officially swung shut on any new charges, I was doing some research to see if anything has been announced or if any other new options have appeared, and came across these announced changes to the Rogers Platinum Mastercard, which had been the heir apparent for many people to replace the card.
As far as I could tell, no one has posted about these changes yet. It appears that Rogers kept their old terms right up until the card closed down, raking in the applications from people looking for an alternate foreign currency card, and then dropped their cashback by a full percent to take advantage of everyone now that they are one of the only games in town.
I already hated the idea of supporting Rogers by getting their card, so this puts the nail in the coffin for me on that front. I know about Home Trust, but they are inundated with applications and with a huge backlog. There's Brim, but they have not yet begun issuing cards and are an unknown and unproven. Scotia just announced a new Passport Visa with 0% forex fee on Monday, but it carries a very hefty $139 fee. Are there any other cards that have been announced or tweaked recently to be attractive to those of us who travel internationally?
submitted by LengthyEpic to PersonalFinanceCanada [link] [comments]

Large overseas windfall

I will be receiving a large overseas windfall from the UK to Canada as inheritance from my late grandmother. I know there is a ton of post regarding what to do with windfalls etc., I already have that figured out.

My question is, what is the best way to receive approx $70k in a lump sum payment from GBP to CAD? TD and Scotia both assure me that they will only charge a wire transfer fee, but the reality is they will not give me as good a rate as dedicated forex providers and I have no doubt I will therefore be giving a small % of that money to them if I accept a direct wire transfer into my bank account.
My current situation is that I do not have a UK account, but I need account details to give to the lawyer taking care of her estate. Is it possible for me to remotely set up an account with a forex broker into which can receive a direct payment in GBP, then buy CAD? AFAIK a normal setup with a forex broker would be to set up an account with them then inject money myself.
Does anybody have any experience or advice on this matter? Should I just go with the "safe" option of a direct wire to my bank, and will it cost me thousands or pennies? Cheers
submitted by throwaway_forex to PersonalFinanceCanada [link] [comments]

How-to & FAQ for holding Bitcoin and Ethereum in an RRSP/TFSA

A few months ago I came across a way to hold crypto in my RRSP/TFSA and have been answering questions about how to do that in comments, DM's, and Skype consults. I figured it would be helpful to put together one big comprehensive FAQ. Cryptocurrency is treated as a commodity by the CRA and you must pay capital gains taxes on any profits if held outside a TFSA. If bitcoin goes to $1m as some are predicting, the Canadian government is going to be taxing a huge windfall in capital gains taxes.
Bitcoin & other crypto cannot be held directly in a RRSP/TFSA, and there are no eligible ETF's in North America yet. However, the ETN COINXBT which trades on the Stockholm Stock Exchange in Sweden (Nasdaq Stockholm) is eligible.
COINXBT holds bitcoin directly and its price per share is based on a 0.005 multiple of the current bitcoin price.
For example, if the current price of bitcoin is $10000USD, a share of COINXBT will be worth $50USD (ie: $493 Swedish Kroner)
Company's website and full prospectus at:
Price quote / chart:
Only some Canadian brokerages allow you to trade on eligible international exchanges in your TFSA. Some do not.
Typically placing trades on international exchanges online is not an option and must be made over the phone broker-assisted at a much higher cost than typical North American securities.
I've called pretty much every brokerage to inquire if international securities can be held in a TFSA and what the fee is to transact. You may want to call yourself to see if policies have changed, but here's a summary:
Not available, or not available in RRSP/TFSA:
Are you sure it's legal? I'm quite sure it's illegal.
Who is your broker? CAD account?
How do I make a trade once I'm ready?
How do I calculate the number of shares to trade to max out my TFSA?
Market or Limit order?
When can I trade? Is it only possible to make the trade while the Swedish market is open and the TSX are open at the same time? Or can you place the order at any time of day?
Which number did you use to contact the brokerages?
What happens when there is a fork?
What about other cryptocurrencies?
How is the price of COINXBT determined?
Why not just buy GBTC?
Why can't I place a trade online myself?
If you've managed to get crypto into your RRSP/TFSA in any other ways than listed above please do leave a comment and I'll update the post. Thanks!
submitted by Bastiat to BitcoinCA [link] [comments]

Brim Financial CC approved

Just got an email indicating my Brim Financial application has been approved and the new mastercard is on its way to me.
It took MONTHS but looks like finally the wait is over. Got it mainly for the 0% FOREX after Chase's Amazon card was terminated in Canada. The Brim card is an alternative to the Home Trust and Scotia Passport.
Has some interesting features incl:
0% forex fee, free Boingo wifi, unique insurances (e.g. mobile phone insurance).
$0 AF on the lowest tier card, high $199 AF on the world elite
submitted by nsandwich to churningcanada [link] [comments]

Cheap-ish Foreign Exchange (CAD->EUR)

This may help for those looking to get Euros on the cheap.
Most of you know the trick that involves pre-loading your credit card (preferably one with no forex fee) with a positive CAD balance and then withdrawing cash advances at a European ATM when you arrive in country. The European ATM spits out EUR for you and you're only charged ATM/cash advance fees that work out to around $5-10. This works well but is impractical for larger amounts of cash as you're limited per day to whatever the cash advance limit on your card is (in CAD).
I am travelling to Europe shortly and needed to figure out a way to obtain a larger quantity of Euros for the lowest possible exchange. For various reasons it would not be possible in this case for me to do the cash advance ATM trick. I should note that I have a relationship with one of the big-5 banks which nets me a considerably better exchange than offered to their retail customers, but the rate was still not great (about 2% markup.) So I had to find another solution. I found foreign currency ATMs in Toronto which will spit out EUR but unfortunately they debit your account in CAD and charge an insane markup (it was 9% at BMO's foreign currency ATM!!). I do not have an EUR brokerage account so could not do Norbert's gambit, either.
So what's the solution?
Scotia offers a Euro-denominated savings account for a very reasonable fee of $1 euro per month. If you open that account and obtain the wire information, you can use a foreign exchange service like or Knightsbridge to get an extremely favorable exchange. These services basically do an EFT debit from your CAD bank account and then send a wire transfer to the recipient (in this case your own Scotia EUR account). You can then withdraw euros in cash. The exchange rates are VERY good (much less than 1% markup). Scotia charges $15 CAD for receiving the wire transfer and that's about it. Took me like 15 minutes to open the EUR account.
Hope this helps someone out. This can make a huge difference on larger transactions. One note is you have to call the branch before withdrawing large quantities of EUR as they likely won't have enough on hand - takes some time to order it in.
submitted by nsandwich to churningcanada [link] [comments]

Does Tangerine charge foreign exchange fee on their client card?

I know the tangerine credit card charges you 1.5% conversion fee, but the client card charges you 2$ for ABM withdrawals and it is not mentioned if they charge a % on the conversion.
The customer service rep on the phone said no, but his answer felt like a very clear "idk buddy".
submitted by Gantzerkei to PersonalFinanceCanada [link] [comments]

Daily Trading Thread - Tuesday 2.27.18

Hi everyone! Thanks for joining. This sub is for active traders of crypto and stocks, those looking to make a fat YUGE profit. While all are welcome, we are more geared for traders with a serious mindset. Post your ideas for today here.
Follow us on StockTwits and chat live on our Discord: trader chat.
Wiki: resources
FEB 27th TUE Fear & Greed Index
Economic Calendar: Results & More
Time Release For Actual Expected Prior
8:30:00 AM Durable Orders Jan -3.70% -2.00% 2.60%
8:30:00 AM Durable Goods –ex transportation Jan -0.30% 0.50% 0.70%
8:30:00 AM International Trade in Goods Jan -$74.4B -$72.2B -$72.3B
9:00:00 AM S&P Case-Shiller Home Price Index Dec 6.30% 6.40% 6.40%
9:00:00 AM FHFA Housing Price Index Dec 0.30% 0.40% 0.50%
10:00:00 AM Consumer Confidence Feb - 127.50 126.50
Ex-Dividend: Calendar
Ex- Div Company Amt Yield
AGN Allergan Rg 0.72 0.02
AGNC AGNC Investment Rg 0.18 0.11
AYR Aircastle Rg 0.28 0.05
BMI Badger Meter Rg 0.13 0.01
BOH Bank Of Hawaii Rg 0.52 0.02
CAKE Cheesecake Facto Rg 0.29 0.02
CFR Cullen/Frost Ban Rg 0.57 0.02
CLDT Chath L REIT-SBI Rg 0.11 0.07
COTY Coty Rg-A 0.13 0.03
CPF Central Pacific Rg 0.19 0.02
CR Crane Co Rg 0.35 0.01
CTT CatchMark REIT Rg-A 0.14 0.04
DOV Dover Corp Rg 0.47 0.02
EBIX Ebix Rg 0.08 0.00
EL Estee Lauder Rg-A 0.38 0.01
FDS FactSet Resh Sys Rg 0.56 0.01
GLW Corning Inc Rg 0.18 0.02
HFC HollyFrontier Rg 0.33 0.04
HUBB Hubbell Rg 0.77 0.02
KINS Kingstone Cos Rg 0.10 0.01
KNSL Kinsale Capital Rg 0.07 0.00
L Loews Rg 0.06 0.00
LBY Libbey Rg 0.12 0.08
MBCN Middlefield Banc Rg 0.33 0.02
MDP Meredith Rg 0.55 0.04
MINI Mobile Mini Rg 0.25 0.02
MLAB Mesa Laboratorie Rg 0.16 0.00
NWL Newell Brands Rg 0.23 0.03
OPOF Old Point Financ Rg 0.11 0.02
ORC Orcd Isl Cl REIT Rg 0.11 0.22
PBF PBF Ener Rg-A 0.30 0.04
PFIS Peoples Fin Serv Rg 0.32 0.03
POWI Power Integratio Rg 0.16 0.01
PVH PVH Rg 0.04 0.00
QCOM Qualcomm Rg 0.57 0.03
RLI RLI Rg 0.21 0.04
SNI Scripps Ntwks Rg-A 0.30 0.03
SON Sonoco Products Rg 0.39 0.03
STAG Stag Industr REI Rg 0.12 0.07
STE STERIS Rg 0.31 0.01
STI Suntrust Banks I Rg 0.40 0.02
TNC Tennant Co Rg 0.21 0.01
UNP Union Pacific Rg 0.73 0.02
UVE Universal Ins Hl Rg 0.14 0.02
VOYA Voya Financial Rg 0.01 0.00
YORW York Water Rg 0.17 0.02
YUMC Yum China Hld-WI Rg 0.10 0.00
Earnings Reports: Morningstar Earnings Calendar & Results
Company Release Est. EPS Company Release Est. EPS
AAON (AAON) Morning 0.24 Juno Therapeutics (JUNO) Afternoon -1.01
ACADIA Pharmaceuticals (ACAD) Afternoon -0.58 Kaman (KAMN) Afternoon 0.98
Acceleron Pharma (XLRN) Morning -0.60 Keane Group (FRAC) Morning 0.27
AES (AES) Morning 0.32 Kewaunee Scientific (KEQU) Afternoon N/A
Albemarle (ALB) Afternoon 1.21 Kindred Biosciences (KIN) Afternoon -0.33
Alimera Sciences (ALIM) Afternoon -0.03 Koppers (KOP) Morning 0.49
Amarin (AMRN) Morning -0.05 Ladder Capital (LADR) Afternoon 0.40
Amedisys (AMED) Afternoon 0.58 Lamar Advertising (LAMR) Morning 1.25
American Tower (AMT) Morning 1.63 Lexington Realty Trust (LXP) Morning 0.25
Amicus Therapeutics (FOLD) Morning -0.29 LGI Homes (LGIH) Morning 1.36
ANI Pharmaceuticals (ANIP) Morning 1.07 Lowe's Companies (LOW) Morning 0.86
Atara Biotherapeutics (ATRA) Morning -1.14 Lumber Liquidators (LL) Morning 0.09
AveXis (AVXS) Afternoon -1.64 Macy's (M) Morning 2.50
B&G Foods (BGS) Afternoon 0.56 Magellan Health (MGLN) Morning 2.29
Balchem (BCPC) Morning 0.62 Mallinckrodt (MNK) Morning 1.69
Bank of Montreal (BMO) Morning 1.63 MannKind (MNKD) Afternoon -0.29
Bank of Nova Scotia (BNS) Morning 1.31 Marriott Vacations Worldwide (VAC) Morning 1.16
Best Buy (BBY) Morning 1.99 Masimo (MASI) Afternoon 0.61
Big 5 Sporting Goods (BGFV) Afternoon 0.23 MasTec (MTZ) Afternoon 0.37
Bill Barrett (BBG) Afternoon -0.07 McGrath RentCorp (MGRC) Afternoon 0.51
Bitauto (BITA) Morning 0.25 Merrimack Pharmaceuticals (MACK) Morning -0.28
Blackhawk Network (HAWK) Afternoon 1.28 MoSys (MOSY) Morning -0.09
BMC Stock (BMCH) Morning 0.26 Nabors Industries (NBR) Afternoon -0.33
Booking (PCLN) Afternoon 14.08 NanoString Technologies (NSTG) Afternoon -0.44
BOX (BOX) Afternoon -0.08 Nexstar Media Group (NXST) Morning 1.36
Broadcom (AVGO) Afternoon 4.40 NN (NNBR) Afternoon 0.31
Broadwind Energy (BWEN) Morning -0.33 Noodles & Co (NDLS) Afternoon -0.01
Callon Petroleum (CPE) Afternoon 0.13 Oasis Midstream Partners (OMP) Afternoon 0.41
Camping World (CWH) Afternoon 0.23 Oasis Petroleum (OAS) Afternoon 0.05
Capital Senior Living (CSU) Afternoon -0.23 Office Depot (ODP) Morning 0.07
Capitala Finance (CPTA) Afternoon 0.27 Omega Protein (OME) Afternoon 0.24 (CRCM) Morning 0.17 Ophthotech (OPHT) Morning -0.55
Caretrust REIT (CTRE) Afternoon 0.18 Opko Health (OPK) Afternoon -0.08
Casella Waste Systems (CWST) Afternoon 0.09 Outfront Media (OUT) Afternoon 0.27
Catasys (CATS) N/A -0.13 Oxford Immunotec Global (OXFD) Morning -0.36
China Yuchai International (CYD) Morning N/A Pacira Pharmaceuticals (PCRX) Morning 0.11
Coca-Cola Bottling Co Consolidated (COKE) Afternoon 1.13 Papa John's Int'l (PZZA) N/A 0.67
Community Health Systems (CYH) Afternoon -0.34 Performant Financial (PFMT) Afternoon -0.03
Core-Mark (CORE) Morning 0.49 Perrigo (PRGO) Morning 1.23
Corenergy Infrastructure Trust (CORR) Afternoon 0.48 PHH (PHH) Afternoon -1.02
Crocs (CROX) Morning -0.39 Platform Specialty Products (PAH) Morning 0.24
Cross Country Healthcare (CCRN) Afternoon 0.19 PNM Resources (PNM) Morning 0.19
CSI Compressco (CCLP) Morning -0.26 Pointer Telocation (PNTR) Morning 0.22
Darling Ingredients (DAR) Afternoon 0.15 Premier Financial Bancorp (PFBI) N/A N/A
Depomed (DEPO) Afternoon 0.10 Primoris Services (PRIM) Morning 0.23
Dillard's (DDS) Morning 1.77 Puma Biotechnology (PBYI) Afternoon -1.97
Discovery Communications (DISCB) Morning N/A Pure Storage (PSTG) Afternoon 0.07
Discovery Communications (DISCK) Morning N/A Range Resources (RRC) Afternoon 0.16
Discovery Communications (DISCA) Morning 0.43 Realogy (RLGY) Morning 0.23
Dycom Industries (DY) Morning 0.35 Recro Pharma (REPH) Morning -0.90
e.l.f. Beauty (ELF) Afternoon 0.13 Rice Midstream Partners (RMP) Afternoon 0.44
Eaton Vance (EV) Morning 0.70 RLJ Lodging Trust (RLJ) Afternoon 0.13
Ecopetrol (EC) Afternoon 0.30 Rogers (ROG) Afternoon 1.41
El Paso Electric (EE) Morning 0.21 RR Donnelley & Sons (RRD) Afternoon 0.70
Endo International (ENDP) Morning 0.61 Seaspan (SSW) Afternoon 0.20
Envision Healthcare (EVHC) Afternoon 0.44 SeaWorld Entertainment (SEAS) Morning -0.19
EP Energy (EPE) Afternoon N/A Sempra Energy (SRE) Afternoon 1.40
EV Energy Partners (EVEP) Morning N/A Senior Housing Properties Trust (SNH) Morning 0.28
Express Scripts (ESRX) Afternoon 2.08 Seritage Growth Properties (SRG) Afternoon 0.49
Extraction Oil & Gas (XOG) Afternoon 0.02 Servicemaster Global (SERV) Morning 0.34
Federated National (FNHC) Afternoon 0.48 Ship Finance International (SFL) Morning 0.30
FibroGen (FGEN) Afternoon -0.25 Sierra Oncology (SRRA) Morning -0.22
First Trust High Income Long/short Fund (FSD) N/A N/A Sonic Automotive (SAH) Morning 0.81
Foamix Pharmaceuticals (FOMX) Afternoon -0.47 Sotherly Hotels (SOHO) Morning -0.08
Fomento Economico Mexicano SAB (FMX) Afternoon 1.08 Southwest Gas (SWX) Afternoon 1.50
Foresight Energy (FELP) Morning -0.12 Spok (SPOK) Afternoon N/A
Forestar Group (FOR) N/A N/A Star Bulk Carriers (SBLK) Morning 0.10
Fortress Transprtn and Infr Investrs (FTAI) Afternoon 0.11 Steven Madden (SHOO) Morning 0.46
Foundation Building Materials (FBM) Morning 0.03 SunOpta (STKL) Morning -0.04
Fox Factory (FOXF) Afternoon 0.33 Systemax (SYX) Afternoon 0.34
Franks International (FI) Morning -0.10 TCP Capital (TCPC) Morning 0.38
Fresenius Medical Care AG & Co. (FMS) Morning 0.61 TETRA Technologies (TTI) Morning -0.02
Frontier Communications (FTR) Afternoon -1.03 TiVo (TIVO) Afternoon 0.26
GCP Applied Technologies (GCP) Morning 0.23 Toll Brothers (TOL) Morning 0.54
Genco Shipping & Trading Limited Ordinary Shares New (Marshall Islands) (GNK) Afternoon -0.03 TopBuild (BLD) Morning 0.81
General Communication (GNCMA) Afternoon N/A TriMas (TRS) Morning 0.32
Gray Television (GTN) Morning 0.25 TriNet Group (TNET) Afternoon 0.47
Great Ajax (AJX) Afternoon 0.42 Tutor Perini (TPC) Afternoon 0.50
Health Insurance Innovations (HIIQ) Afternoon 0.34 Universal Health Realty Income Trust (UHT) N/A N/A
Heico (HEI) Afternoon 0.52 Universal Health Services (UHS) Afternoon 1.84
Heico (HEI.A) Afternoon N/A Vale (VALE) Afternoon 0.24
Heritage-Crystal Clean (HCCI) Afternoon 0.21 Veeva Systems (VEEV) Afternoon 0.20
Huron Consulting Group (HURN) Afternoon 0.75 Verona Pharma plc - American Depositary Share (VRNA) Morning -0.83
ICU Medical (ICUI) Afternoon 1.04 Vitamin Shoppe (VSI) Morning -0.20
Imax (IMAX) Morning 0.40 W&T Offshore (WTI) Afternoon 0.07
Impax Laboratories (IPXL) Morning 0.12 Weight Watchers International (WTW) Afternoon 0.31
Integra Lifesciences (IART) Morning 0.56 Winmark (WINA) N/A N/A
InterXion (INXN) N/A 0.20 Wright Medical Group (WMGI) Afternoon 0.05
Ituran Location and Control Ltd. (US) (ITRN) Morning N/A Xcerra (XCRA) Morning 0.17
Jazz Pharmaceuticals (JAZZ) Afternoon 2.98 Zosano Pharma (ZSAN) N/A -0.24
Disclaimer: The opinions in this thread and forum are solely the opinions of the individual account holders and contributors. The info should not be regarded as investment advice or as a recommendation of any particular security. All investments entail risks. As with most things in life, caveat emptor.
submitted by theprofitgod to The_Profit [link] [comments]

Daily Driver: Cashback CC or Rewards/Travel CC ??

Currently own the following CC: BMO Cashback Mastercard (1% on all purchases) and Scotiabank Passport Visa Infinite. Got the latter since we travel alot and wanted it primarily for 0% forex. With respect to "daily" benefits it's 2 Scotia Points for every $1 on groceries, dining, entertainment and transport (up to $50K in spending, after its 1 point/$1)
Right now we've been heavily using the Scotia CC to earn the 25K bonus points (after spending $1k)....However after this, I'm not sure if it'll be beneficial to continue to use the Scotia CC as opposed to the Cashback MC. Scotia CC doesn't cover the large spread of categories understandably, but I'm not sure if we should focus on building points (i.e. rewards) OR getting cashback.
Any thoughts? Rough estimates for expenses are $200 groceries, $160 bills, $200 dining $225 on transport.
TLDR: Cant decide if should focus efforts on cashback using BMO Cashback MC OR Scotia points with Scotia passport Visa.
submitted by Mcjingsz to PersonalFinanceCanada [link] [comments]

3 Major Int'l Flights next year - which credit cards to churn??

Looking at return flights to China, Singapore, and Australia/NZ. Based out of the GVA.
Currently with Krisflyer, but considering jumping ship to Asiana to try get Gold status. Figured one way to accelerate this is to get a useful travel rewards CC that offers points to airmiles conversion.
Been eyeing the SPG cards (not sure if this is wise given the merger with Marriott - also may not necessarily book in any of the hotels under the umbrella). Also been eyeing the AMEX Cobalt...Don't think the Cobalt is eligible for point to star alliance miles conversion tho...
Thoughts, tips?? Gracias!

Ps. Currently own a Scotia Passport Visa Infinite so that will help with 0% FOREX and lounges. I know Scotia has a bunch of Amex cards that could also be useful?

Edit: not looking to accelerate status - more so to maintain or grow status. Just to clarify, looking for cc that will help milk the most out of these trips.
submitted by Mcjingsz to churningcanada [link] [comments]

Credit card plan suggestions?

I'm a 24 yo graduate working full time and getting paid decently (55k before tax). I currently have 2 credit cards to which I want to change since one is being closed and the other is, in my opinion, pretty useless. I prefer cards that don't require an annual fee and that offer cash-back rather than mile/points that cannot be converted to cash-back:
I would like to have a VISA as well but have yet to found one that catches my attention as much as the Amazon Visa
I would appreciate any advice people have
submitted by AnArousedKoala to PersonalFinanceCanada [link] [comments]

Toronto Daily - Sep 17th 2018

Welcome to the Toronto Daily Thread.

This thread serves two purposes:
1) To collect and make visible new posts in smaller Toronto based subreddits.
Feel free to visit, comment and be generally helpful in posts indexed below. Please also remember to stay on your best behaviour when travelling outside of /toronto.
2) To act as a general off-topic conversation hub for the day.
To that end, use this thread to talk about whatever is on your mind, regardless of whether or not it's related to Toronto.
No matter where you're posting, please remember to be excellent to each other.


Post Title Author Comments
Please help me find a landline company so I don’t have to sell my soul to The Big 3 (X-posted from Toronto) ariagrayx 2
Did anyone hear what sounded like gunshots in the Lawrence Avenue and Caledonia Rd area? Pokerhauntus 0
Anyone find a phone near High Park Since Friday night? jemiglio 0
Why are there so many mansions on Jarvis Street, north of College? Who were these houses owned by? downvote_me_moreYOLO 2
Can I get excused for jury duty being a full time college student? EthiopianNutella 2
How is the laundry room in your apartment building or condo? 647 2
Who is responsible in this situation? Landlord or tenant? NorthYorkEd 0
Toronto 420 Friendly Airbnb's? TaraTheExplara 2
Are average household incomes on Royal LePage websites accurate? forexInsight 2
Looking to move to Toronto from Sydney, Australia. Advice? Von_Huge1103 4
Is anyone on the CB radio channels in toronto that I can listen to? devicemodder 5
Flew into Toronto today and need recommendations! greek_stallion 6
Finding a place downtown next year GONDOL1N 6
Megabus at Pearson Airport nitorita 2
Just found a debit card at SCOTIA BANK King street DrxAvierT 5
Where to sell electronics quickly? lostinallthesauce 8
Apartment turning off air too soon GochuBadman 8
Any good lounges/Martini bars in North York? fluffytruck 0
How much does a roommate situation cost in the downtown core? blue_moon321 5
UberEats, Foodora, Doordash etc constantly fail to deliver items croppybhoy 23
Looking for an affordable room in Toronto! rragz 3
Where can I get a big rug cleaned in the city? tracesoares 4
Anyone have any insights into working for one of the Big 4 NOT as an accountant? spacechannel_ 17
Salmon run on the Don 60Hurts 1
Has anyone been to the Oasis Lounge? Cur10u5er 24


Post Title Author Comments
[FOR HIRE] Hardworking Master's Economics Graduate - Need to get out of dishwashing hardworkoveranything 1
We found 70 new Toronto/GTA job fairs this week. petersnewjobs 0


Post Title Author Comments
FOUND phone, this was the only thing on it VegetableMoment 1
lost wallet near Eaton, Lost phone near young Finch EvanSamaa 1
I am a bot, and this post was generated automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
submitted by thetorontobot to toronto [link] [comments]

Which CC should I keep? (RBC Avion vs Scotia Amex)

I made this post over on RFD and got no response, so I'll see if anyone here has any suggestions
I want to condense my spending into 2 or 3 cards max, but don't know which ones I should keep.
First off, I prefer travel rewards (with insurances) as my primary card and NOT cash back.
I currently have/use the following:
Scotia Amex Gold (~60% of my spending goes here, mostly 4% categories) PC World Elite MC (SDM and RCSS spending) RBC Infinite Visa Avion (Everywhere the amex isn't accepted) Chase Amazon Visa (forex and traveling card) I can get Tangerine MC (would be mostly just for 2% recurring bills, unless one of my other cards makes more sense to use (avion?))
I don't feel like I can justify having multiple cards with an annual fee. The Amex is great except its not accepted everywhere which can suck at times, and I question just how useful the RBC Avion can be as I've seen a lot of people complain about the value in redeeming (never had to do it yet).
I have in the past 3 and 6 months respectively applied for the BMO World Elite and Cap One WE card but was declined for both. I'll likely try to reapply in the future, but for the mean time, what should I keep out of what I have? I suppose it really comes down to keeping the Avion or the Amex?
submitted by poopitar to PersonalFinanceCanada [link] [comments]

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