New posts

GeoffG's posts

6349 posts found

July 13, 2015, 3:07 p.m.
Posts: 8
Joined: Jan. 7, 2006
Cancer, Before I die

Holy shit Ross. I haven't seen you around here in a long time and this is how you make your return?! I wish you all the best with your treatment and recovery. Good luck and keep us updated!

April 8, 2015, 5:23 p.m.
Posts: 8
Joined: Jan. 7, 2006
dear nsmb

This thread is disappointing.

April 2, 2015, 12:15 p.m.
Posts: 8
Joined: Jan. 7, 2006
dear nsmb

omgz

Does anyone actually bike anymore?

Jan. 25, 2015, 9:52 p.m.
Posts: 8
Joined: Jan. 7, 2006
How much do you know about financial independence?

Technically, no chance in hell it's the bank's fault. There are no rules stating that anyone can have one and only one TFSA account. The bank can only monitor activity in their own system. I can open TFSA accounts with three different banks if I want, and there's no way that any one bank would know what I'm doing with my other accounts, nor do they know what my deposit limits are. That is for the taxpayer to keep track of.

Well, even though it is the bank's fault for allowing you to do it, the banks never get asked to pay the penalties and definitely wouldn't if you brought this to them. My reference to it being the bank's fault implies that you take out money from your TFSA with your bank and put it back in the same TFSA with the same bank. If you go to another institution, then it's your fault. The only reason I was able to get out of the penalty was because it was my first year having a TFSA and basically playing dumb that nobody told me the rules of withdrawing and re-depositing.

I really doubt that the banks don't have someone overseeing the movement of money, especially when it's $25k+. The bank shouldn't have people looking at every transaction, but you would think there would be some way to monitor this. Ultimately the bank doesn't give a shit what you do with your money just as long as they get to use it and do whatever with it. Nobody will ever successfully win a claim against a bank for a TFSA overpayment and for a few hundred dollars it's not worth your time. But if you play your cards right and have a little luck, the CRA will give you your money back. Ultimately it's worth a try to send the appeal letter and see what happens.

Jan. 21, 2015, 10:19 a.m.
Posts: 8
Joined: Jan. 7, 2006
How much do you know about financial independence?

^^ thanks for taking the time to type that…maybe i do have my dates messed up so i'm going to go back and check. i could have sworn i was totally doing it right, then i got the bill, paid it, fumed, and did nothing

and good to know, i have logged into my cra account, although didn't realize there was something about the tfsa in there

edit: ok, duh, so yeah i put it back the same year in december…that part maybe I thought wasn't an issue. turns out i withdrew and put back a couple times that year…lol…good to know that is a no-no

Technically, it's your bank's fault for allowing you to do it. I did something similar. Took out $25k to put in a high interest short term GIC in August and when that was done I put it back in my TFSA in October. And of course, I get a notice saying I had an overpayment and had a $400 penalty. However, I managed to appeal and actually got my penalty reversed. If you play dumb, outline your case and blame the bank for continuously allowing you to withdraw and deposit without notice you may have a chance to get your penalty back.

Sept. 27, 2014, 7:59 p.m.
Posts: 8
Joined: Jan. 7, 2006
Where should I travel.

lolz Simon.

Sept. 27, 2014, 7:58 p.m.
Posts: 8
Joined: Jan. 7, 2006
Deep Shiz--Do you believe in afterlife? Ghosts? Heaven or Hell?

People still post here? I thought everyone moved over to Reddit.

April 3, 2014, 3:18 p.m.
Posts: 8
Joined: Jan. 7, 2006
Stalkers.

Just pick up and move in the middle of the night. Worked for you before, Simon.

April 3, 2014, 9:22 a.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

Going to see the Canucks get beat up on by the Ducks on Monday. Bought tickets for below face value.

March 8, 2014, 2:23 p.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

:lol::lol::lol:

Feb. 6, 2014, 3:42 p.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

As long as the Canucks don't win, I win.

Feb. 5, 2014, 2:54 p.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

Keep laughing GeoffG, they'll still finish ahead of the Coilers

I don't know why you think I am an Oilers fan. T'is not the case.

Feb. 4, 2014, 9:18 p.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

:lol::lol::lol::lol::lol:

Jan. 17, 2014, 12:44 p.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

One goal in three games? Sounds a lot like a John Tortorella coached team.

Jan. 16, 2014, 10:54 a.m.
Posts: 8
Joined: Jan. 7, 2006
2013 - 2014 Canucks

oh hai guys! Game of the year.

6349 posts found

Forum jump: