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Email this1:09 pm
January 5, 2023
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RetirEd said
Freida: Webb's rehashing the plot of Jack London's 1908 novel, "The Iron Heel." He throws in a lot of new financial elements, plenty of conspiracy theories and some basic falsehoods and misrepresentations.
Very interesting. RetirEd.
I read just now, that the political commentary by authors was popular at that time (1907), and earlier. Including H.G.Wells, which he mentions somehow in the book.
I hadn't considered that Webb's work would be in this same vein. I appreciate your reply.
I don't know if that was the top for gold, but sold some CEF and am moving it into HISA.
3:19 pm
April 27, 2017
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Doug said
Many would consider Canada to be a socialist country, certainly a democratic one.
Nah. Socialism = public ownership of means of production. Canadian farmers own their land and tractors (and produce more food than Canada consumes). TD Bank shareholders own the bank. Nutrien - ditto. Suncor, Imperial Oil… You get my point. These companies generate Canada’s wealth and taxes which are then used to fund healthcare, schools, etc but its privately owned businesses that generate wealth.
Canada is a high tax/high welfare country. That’s the term. No need to borrow another word with a different meaning.
4:04 pm
April 11, 2020
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It looks like iTrade is offering ISA from National (e.g. NBC201 - F-series (USD)) and ManuLife (MIP611 - F-Series (USD) but no ISAs from CIBC or RBC. Does have anybody experience in buying ISAs other than from Scotiobank online at iTrade?
5:37 pm
October 27, 2013
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Fritz23 said
It looks like iTrade is offering ISA from National (e.g. NBC201 - F-series (USD)) and ManuLife (MIP611 - F-Series (USD) but no ISAs from CIBC or RBC. Does have anybody experience in buying ISAs other than from Scotiobank online at iTrade?
No experience and never considered looking at anything other than the Scotia ones. I don't imagine there should be any differences in buy/sell transactions than Scotia's own ISAs.
9:29 am
April 29, 2024
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Fritz23 said It looks like iTrade is offering ISA from National (e.g. NBC201 - F-series (USD)) and ManuLife (MIP611 - F-Series (USD) but no ISAs from CIBC or RBC. Does have anybody experience in buying ISAs other than from Scotiobank online at iTrade?
I was able to buy RBF2010 without any trouble
2:53 pm
April 11, 2020
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When does an ISA start to compound interest? On the day I bought/traded or on the settlement date? Thanks
3:48 pm
October 27, 2013
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Fritz23 said
When does an ISA start to compound interest? On the day I bought/traded or on the settlement date? Thanks
I will say settlement date because that is the date you pay for it. It is 'contracted' on the day you place the order and it is 'filled' T+1.
6:12 am
April 6, 2013
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Rates stable since last update:
| ISA (Canadian Dollars) | Rate |
| BMO High Interest Savings Account (BMT104) | 4.75% |
| Scotiabank Investment Savings Account, Series A (DYN6000) | |
| Equitable High Interest Savings Account, Series A (EQB1000) | 4.65% |
| Home Trust High Interest Savings Account, Class A (HOM100) | |
| B2B Bank HIIA, Series A (BTB100) | 4.55% |
| NBI Altamira CashPerformer Account, Series A (NBC100) | |
| RBC Investment Savings Account, Series A (RBF2010) | |
| Renaissance High Interest Savings Account, Series A (ATL5070) | |
| TD Investment Savings Account, Series A (TDB8150) | |
| Manulife Bank Investment Savings Account (MIP510) | 4.50% |
8:04 am
September 30, 2017
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Good to know.
Starting May 15, 2024, TDDI daily mutual fund order entry deadline will be extended from 3 p.m. ET to 4 p.m. ET. This extended deadline also applies to money market funds and Investment Savings Account (ISA) orders.
9:33 am
January 12, 2019
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.
And FWIW . . .
- ➡ TDDI USD ISA (TDB152) remains @ 4.90%
It's unlikely any of the ISA interest rates will go up any higher than they are now. And of course, it's just a matter of time before they'll slowly start to go Down.
Enjoy the ride, while it lasts. 
- Dean
" Live Long, Healthy ... And Prosper! "
9:16 am
April 6, 2013
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Rates stable since last update. No changes yet, two hours after Bank of Canada's ¼% policy rate cut:
| ISA (Canadian Dollars) | Rate |
| BMO High Interest Savings Account (BMT104) | 4.75% |
| Scotiabank Investment Savings Account, Series A (DYN6000) | |
| Equitable High Interest Savings Account, Series A (EQB1000) | 4.65% |
| Home Trust High Interest Savings Account, Class A (HOM100) | |
| B2B Bank HIIA, Series A (BTB100) | 4.55% |
| NBI Altamira CashPerformer Account, Series A (NBC100) | |
| RBC Investment Savings Account, Series A (RBF2010) | |
| Renaissance High Interest Savings Account, Series A (ATL5070) | |
| TD Investment Savings Account, Series A (TDB8150) | |
| Manulife Bank Investment Savings Account (MIP510) | 4.50% |
2:16 pm
September 30, 2017
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The gap widened to 0.60% between U$ RBF2014 (4.90%) & its C$ counter (4.30%).
TD is also at 4.30% in my holding description under TDDI.
2:49 pm
April 6, 2013
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Since last update, National Bank and Royal Bank reduced their rates:
| ISA (Canadian Dollars) | Rate |
| BMO High Interest Savings Account (BMT104) | 4.75% |
| Scotiabank Investment Savings Account, Series A (DYN6000) | |
| Equitable High Interest Savings Account, Series A (EQB1000) | 4.65% |
| Home Trust High Interest Savings Account, Class A (HOM100) | |
| B2B Bank HIIA, Series A (BTB100) | 4.55% |
| Renaissance High Interest Savings Account, Series A (ATL5070) | |
| TD Investment Savings Account, Series A (TDB8150) | |
| Manulife Bank Investment Savings Account (MIP510) | 4.50% |
| NBI Altamira CashPerformer Account, Series A (NBC100) | 4.30% |
| RBC Investment Savings Account, Series A (RBF2010) |
From hwyc's report, TD will be reducing their rate tomorrow.
5:22 am
January 1, 2018
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Well that didn't take long ! just logged into my TD ISA account and 4.55% is now 4.30% 🙁
How long will it take the others to follow suit ?
5:30 am
January 5, 2023
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With the latest American bombs hitting Russia, perhaps it's a good time to move to precious metals?
7:33 am
October 27, 2013
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Jim Sherat said
Well that didn't take long ! just logged into my TD ISA account and 4.55% is now 4.30% 🙁
How long will it take the others to follow suit ?
In the past, it has generally taken anywhere from 1-15 days for most of the ISA family to reflect rate changes, at least it did on the way up over the past ~2 years. Changes will also be reflected in the cash ETFs and MMFs to varying degrees.
It usually takes a bit longer for MMFs because of the usual 30-90 day holdings within these vehicles. In the USA, the SEC limits the WAM (Weighted Average Maturity) of holdings to 60 days. I am not aware of Canadian regulatory limits.
9:40 am
January 12, 2019
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Dean said
.
And FWIW . . .➡ TDDI USD ISA (TDB152) remains @ 4.90%
. . .
Enjoy the ride, while it lasts.
Dean
Fortunately (for some of us), no change in TDB152's rate ... for now.
- Dean
" Live Long, Healthy ... And Prosper! "
10:41 am
October 27, 2013
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Dean said
Fortunately (for some of us), no change in TDB152's rate ... for now.
Dean
There is no reason for a change in USD rates. The Fed Reserve has not made any changes stateside yet.
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