It seems PC Financial as a bank is done, and CIBC will create Simplii its own brand name. You will no longer get PC Points for banking, except with your PC Mastercard. For me, it makes it easy to walk away from PC Banking, and move the rest of my secondary banking to Tangerine (for now). PC Banking gave me many PC Points and free banking, so I am sad to see the brand go over the banking horizon (like Canada Trust, Waterloo Trust and others). Farewell free PC Chocolate Chip cookies too .
If you want to join Tangerine, use my code and I make some money too ( 47979477S1 )
I have taken the summer to spruce up a few things on the web site . Most of what I have done is not obvious, but here are a few highlights:
- The site is now HTTPS based, which makes it a bit more secure, and if I ever start selling stuff and such, I am ready to go. If you link to me, or have bookmarks, you could update those just by adding the S to httpS 🔒.
- The RSS feed is now back to https://www.canajunfinances.com/rss.
- Updating many of my back catalog articles (which if you are on my social media feeds will see them). Still have about 2500 or so to rewrite (or remove), so this will be a long-term project.
- Looking at revamping the look of things, but I say that every year.
Politics in the states is now crossed the bat guano insane line. That is all. Mayhem is not a ladder, no matter what Little Finger thinks.
Interesting thought for the week, NetFlix, while an industry leader, has over $15B in debt, is that good business or bad business? Only time will tell.
I keep reading about the importance of building up your credit rating, so I figure I might get a rise out of some folk, but Credit Cards Help You Get a Mortgage caused nary a ripple in the internet. Still not sure if your credit card limits still count against your mortgage capabilities, but they should!
I did my 6 month rant about the TD Direct Investing RDSP issues, RDSP Deposit Obfuscations Continue , but I got an interesting comment that I will be pursuing with TD Direct Investing. Seems like my account may be badly configured, because at least 1 reader can make direct contributions to their RDSP account. I will keep you all posted on this.
I am experimenting with tweets and Facebook posts that are not full stories, this week a simple philosophical statement by me, that took a while to figure out.
"I wanted a career, but it turns out all I wanted was a pay cheque", sounded jaded and sarcastic when I was 26, at 56 sounds about right
— Big Cajun Man (aw) (@bigcajunman) August 16, 2017
Days Are Getting shorter ☀️
The summer continues on, but Labor Day is next weekend, which means the close of the summer of 2017
- A morbid but realistic statement from Bloomberg, Americans Are Dying Younger, Saving Corporations Billions, which is true. If I die before I collect my pension, I am saving them tons of money.
- Do you think you know about Ransomware? My technology site has a quick essay about More on Ransomware if you are curious about one of the nastier new trends on the Internet.
- Create the Retirement You Really Want, is reviewed by Michael James. He found it quite useful, but you can read his review yourself.
Preet is back on-line with his latest Podcast Learn About Investing: Asset Classes, well worth watching, and learning.
What Am I Reading?
You should know better, I don’t read much, but I do listen to lots of Audiobooks (mostly driving to work, but sometimes driving long distances). The last book I finished, was Shattered: Inside Hillary Clinton’s Doomed Campaign (link to audiobook on Amazon here is the link on Audible).
The book is interesting to me, but I enjoy political analysis. It takes advantage of hindsight to point out the key moments in the election. It does give insights into parts of the election many folks might not have noticed. That was one of the reasons I read the book, to maybe gain more insights about what really happened, but it still didn’t lift the veil of What The F**k Happened? The audio adaptation was OK.
This Quarter Random Thoughts
- Paying Children to Move out, Sears, and #MoneyTalk (July 28th)
- Rate Reactions, Mortgage Double Ups, Bad Cycling and #MoneyTalk (July 21st)
- Keep Calm and Pay Off Your Debt and #MoneyTalk (July 14th)
2nd Quarter Random Thoughts
- #Canada150, B of C Rates, and #MoneyTalk (June 30th)
- Donuts, Graduations, Summertime and #MoneyTalk #Canada150 (June 23rd)
- Bank Profits, Loose Money, Used House Salesfolk and #MoneyTalk (May 26th)
- Avocado Toast, Victoria Day, Ransomware and #Moneytalk (May 19th)
- RDSP, DTCs, Mother’s Day and #MoneyTalk (May 12th)
- Thanks Prince Phil, More Old Than Young and #MoneyTalk (May 5th)
- MLM, Balanced Budgets, and #Moneytalk (April 28th)
- Overheated Housing Market, Rent Controls and #MoneyTalk (April 21st)
- Ladies on Panels, Good Friday, Friendly Skies, Loose Money and #MoneyTalk (April 14th)
- Tax Time, Housing Bubbles, Financial Easter and #MoneyTalk (April 7th)
1st Quarter 2017 Random Thoughts
- April Fools, High on Life and #MoneyTalk (March 31st)
- Ho Hum Budget, Brackets Busted and #MoneyTalk (March 24th)
- Naughty Banks, March Madness, Big Snow and #MoneyTalk (March 17th)
- Teller Upselling, Auto-filling Taxes, Spring Forward and #MoneyTalk, (March 10th )
- Lent Begins, Loose Money and #MoneyTalk (March 3rd )
- RRSP Season, Tax Time, and #MoneyTalk (February 24th )
- Farewell Vinyl Café, Snow, Monopoly and #MoneyTalk (February 17th )
- RRSP , Tax , TFSA , RESP, and RDSP Time and #MoneyTalk (February 10th )
- Year of the Fire Rooster, Financial Groundhog Day and #MoneyTalk (February 3rd )
- Alternate Financial Facts, 1984 and #Moneytalk (January 27th)
- Bungled Mortgages, Friday the 13th and #Moneytalk (January 13th)
- Merry New Year, CPP, EI and #MoneyTalk (January 6th)
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