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  1. Student loan in USD: To go into forbearance or not?

    General Personal Finance Talk
    Ok, so I work here in Canada and I've got a $21,000 USD student loan in the states with 4% annual interest rate that accrues daily. The exchange rate with the USD and the CAD is KILLING ME. Do I: A) Accept a 12 month forebearance, hoping that the CAD will get stronger relative to the USD...
  2. Seeking Financial Planning Advice

    General Personal Finance Talk
    New to the forum, just looking for some financial planning advice. I'm pretty financially illiterate and am reaching out here in hopes of some guidance! I am a 23 student working two jobs and on OSAP. I have some goals I'd like to achieve, but am at a loss as to how to see them to fruition. I...
  3. Standalone Landlord insurance student

    General Personal Finance Talk
    Hi, I was working and bought a home in edmonton last year. I stayed there for 1 year and moved to ontario for education. I tried to sell edmonton home but could not. I don't have any other property. I started renting my edmonton home. My friend is staying in my edmonton home and managing home...
  4. Standalone Landlord insurance student

    Real Estate
    Hi, I was working and bought a home in edmonton last year. I stayed there for 1 year and moved to ontario for education. I tried to sell edmonton home but could not. I don't have any other property. I started renting my edmonton home. My friend is staying in my edmonton home and managing home...
  5. Can I pay a lump sum to Osap and then extend my grace period?

    General Personal Finance Talk
    I just graduated in April and I am continuing school in a post-graduate certificate program that is not eligible for osap. So I need to pay upfront. That, with new car expenses will be a lot of money. So I want to extend my grace period for osap in October (once my automatic 6 month grace period...
  6. Tuition Tax Credit Deducted!

    Taxation
    Hello, So I was filing my Tax returns for this year and noticed something weird - After filing my T4s, my Tax Refund looked good in 3 digits. But, after filing my Tuition fees (year 2014, Full Time, 4 months) for $6,000 my tax refund dropped by $300! How? Thanks in advance! :)
  7. International Student Here: Someone told me that I can get $500-$1k back as taxrefund

    Taxation
    I am an international student here studying the past 2 years. I got an advertisement through Wechat (app) that there are these accountants that can get a tax refund for $500-$1000 dollars when you don't have any income. Their set prices are $15 for international students with no income and...
  8. 24 yr. old female looking for ways to earn additional income;millionaire by age 35

    Money Diaries
    Hey everyone, I am a 24 yr. old female college student. Next month, I will be graduating college for the last time and start earning my full-time income on my own while continuously educating myself. I am looking into getting to university and become a licensed accountant in the future. My...
  9. New Grad Advice? Emergency Funds?

    General Personal Finance Talk
    I recently graduated from university, I'm 22 years of age, living with my parents with an OK paying job. I've been saving money in an RRSP (minimal). I have roughly 1600 saved in mutual funds. I've been wondering whether or not I should take some of that and put into a savings account for...
  10. Student looking to start investing $4000; need brokerage advice!

    Investing
    I am an upper-year University student, and I would like to get my toe in the water investing in equities with $4000 I currently hold; my background is strong in math, and I have a strong grasp of financials and world news (been reading the paper cover-to-cover for 6 years, every day). I am...
  11. Advice for New grad?

    Investing
    Hello, I'm currently 23 years old. I just recently graduated from college, and luckily found a job that pays me $3000/month. In regards to my finances, I am dirt poor. I have $100 left on TD chequing account and $16,000 student loan from OSAP (Ontario Student Assistance Program) that I have to...
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