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Wednesday, August 12, 2009

Dealing with debts and broker accounts

I didn’t visit HubPages for very long last night. I have to wake up early this morning. My tiny apartment was in need of a good cleaning. Now it’s done. I just have a lot of laundry to do lol. Everyday life is boring like that. And of course, when I wake up, I went to see my stock portfolio online. At 1:40PM, my portfolio of stocks and units is at 23 089.84$. I was afraid to see it lose some value again. But I still didn’t receive my Just Energy Income Fund (JE.UN) dividend. So I am still waiting.

I should receive a 700$ paycheck this evening. The money is going to be applied as payment on my credit line. I have 4 813.02$ on my TD credit line. And 2 675.53$ TD Visa at 3.99%. In about 2 weeks, I will transfer the debt I have on my TD Visa over RBC Visa, so I can received the 2.99% in interest rate for a little while, until I get a third job or something.

I call TD Waterhouse yesterday to find out if it was possible to turn non-RRSP investment in stocks or units into RRSP, without having to proceed with a sell first and I was told I could do so, that I don't need to sale.... I also call Scotia itrade. Now, my problem is I want to turn my investments into RRSP, but TD Waterhouse is going to charge me 20$ per year for an RRSP account. This is so unfair. It's not enough for them to be charging be 29$ per trade o is it 27$ I have a blank. This year, I don't want to pay any taxes. And another question, does the dividend of a RRSP account need to remain the RRSP account or the dividend can be transfert outside the RRSP dividend? It's not something I want to do right now, but later on. Sooo confusing.

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