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Tuesday, May 7, 2013

Could it be? American Express is offering me a 0% interest rate for 6 months

I must be the luckiest girl in the word. The weather is absolutely gorgeous these days in Montreal. ITS THE SUMMER! YOUHOUUU. And the summer mean I don't give a damn of what's going on with the stock market... or almost. I am looking from a distance. My non-registered portfolio closed at $120 040. My margin is at $50 060, which is good because I don't want to use more than 50k of my margin money. My numbers are looking great for now.

I always find things to do during the evenings. I only want to be outside. Last evening was spent in the Old Montreal and this evening was spent at a X public swimming pool located in X spot closed to where I live on this X street... Just somewhere in Montreal. On the hot spot.

I had received a call this evening. My tax declaration is ready. Only my expenses for my self-employment need to be taking care of, but that's all. So I guess that by next week I will be done. I have no idea how much I will have to pay on taxes, but it will be around $600 I believe, if not more. Quebec province is really beautiful during the summer, but the tax system is running everything.

But God is watching and decided to help me. Previously, we chat about TD Visa giving me a 2.9% and a fee of 1% on the balance. Well, this time, its even better because I have a 0% interest rate with no other related fee to pay and that's good for 6 months. Where am I? Is this heaven? Where am I?

I have another 4k+ transfer that need to be completed to TD Visa. I have closed to 3k available on my American Express. I will certainly used the 0% interest fee for my own interest, that's for sure. This is just coming right on time for the summer! Nice.


Frank said...

Your taxes were supposed to be filed last week... You are late. You will get a penalty and you are at increased risk of being audited. Nice move.

Anonymous said...

All banks are provinding for me 0% for 12 months and some (Royal bank and MBNA for 16 months). If you maintain good credit history and score, you can get loan for 0%.

Sunny said...

Since I am a business owner with a tax number and I had generate income from the business, I have until the end of June to declare all of my stuff. You should know that.

Anonymous said...

Risk of getting audited by Revenue Canada because of late filing tax return. That must be a joke!

Anonymous said...

does your business really generate that much income honestly?

Anonymous said...

I think you should forgo your side business, too much hassle for nothing

Anonymous said...

pay off the debt, stop this game of playing musical chair. sooner or later you will run out of luck, it's just a matter of time


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