Comparing Financial Services Assignment. Part 1: Investment alternatives. You will be using the website assignment.

Size: px
Start display at page:

Download "Comparing Financial Services Assignment. Part 1: Investment alternatives. You will be using the website assignment."

Transcription

1 MBF 3C Name: Date: Comparing Financial Services Assignment Part 1: Investment alternatives You will be using the website assignment. w.tdcanadatrust.com to complete this part of the 1) Choose accounts from the menu at the left, information about chequing and savings accounts is displayed. Click on each of them, and briefly describe the differences between the two types of accounts. 2) Under the tools menu on the right, select compare savings accounts a) Which is the only account that has unlimited debit transactions at no extra cost? b) Which account charges the most for additional transactions? c) Name 2 additional fees that are charged on some of the accounts. d) What interest rate would you receive if you had a companion account with $6000 in it? e) What interest rate would you receive if you had a GIA account with $6000 in it? f) After comparing the different accounts, which one do you think would be best for you? Why? 3) Click on how interest is calculated from the menu at the right, If you scroll down to the notes on the second page you will see this:

2 0.05% would be, with 30 days the formula to calculate the interest, if the given rate was This means, that if there is a balance of $600 in an account, for a month the US GIC s and the specialty GIG s. would be the best option for the following situations. Explain why. Exclude 5) Read the descriptions for the different types of GIC s and decide which c) Where can GIC s be purchased? b) What does the name indicate about the risk factor for this investment? a) What does GIG stand for? from the menu at the right. 4) Click on investing then term deposits and GIG s then rate information an account paying 0.06% interest. a) Calculate the amount of interest earned for the month of May, if $750 is in A = , which means that $0.02 was earned in interest. A 600( ) appropriate tier) 365. Daily interest is calculated as follows: (Daily closing balance, x (interest rate for the

3 needs to be able to get at the money. longer term? 7) In general, what is the advantage of having an investment locked in for a 5 years? b) How much would a $10000 investment in a long term deposit be worth in at the end of a 1 yearterm? a) How much would an investment of $3000 in a wait and see GIC be worth 6) Determine the amount of the following investments. GIC. c) Dave is saving for a trip to Europe next year. He has $1000 to invest in a and wants to invest the whole amount for her retirement. b) Fran is 29 and just inherited $ She doesn t need the money now, he also wants to do some home improvements in the next few months and a) Ralph got a $4000 bonus from work and wants to invest it somewhere, but

4 c) Microsoft b) a) Air Canada a) 9) Use the Internet to look up the current price for the following stocks 10) If you had 500 shares in each of the previous companies, how much would your investments be worth? 8) What is a major difference between stocks and bonds? b) Sears c)

5 together? c) Why might someone prefer the TD Elite VISA card, to the TD GM card? b) Which cards have annual fees? I a) What is the interest rate for all the cards, except for the low interest card? cards Refer to the chart included in your assignment. Not all credit cards are the same. From the menu on the left, choose credit institutions. TD Canada Trust for example, is associated with VISA. Major credit cards such as VISA and MasterCard are associated with financial the assignment. You will be using the website to complete this part of Part 2: Credit Cards b) Would you want to sell them now? What factors would you consider? Presently, they are worth $ How much money have you lost all 11 )You bought 80 shares in Calculators Inc. last month for $ each.

6 d) New balance b) TD Emerald Visa Card b) Credit limit Credit card bills mean with regards to a credit card statement. 1) The following terms may appear on your credit card bill. Define what they a) TD Gold Travel Visa Card a) Previous balance 2) Describe the type of person who might choose each of the following cards. c) TD Green Visa Card c) Available credit

7 f) Billing date (due date) q b) What is his new balance? = Hint: There are 13 days between May 14 th and May 27 th, so t th The interest rate is 19%. He does not make any payments. How much interest would he be charged until his due date? His due date is May 27 3a) Joseph bought a stereo system on his credit card on May 14 th for $ charged from the posting date until the due date. If the entire balance is not paid off by the due date, simple interest is she owe on her due date? for one of her classes for $62.25, and treated herself to 3 new CD s which sweater for $25.50, paid for a dinner out which cost $55.00, bought a book came to $ She had made an early payment of $50. How much would 2)This month, Cindy had a previous credit card balance of $45, bought a If a payment is made in full by the billing date, no interest is charged. e) Minimum payment

8 Aftr that, interest is compounded monthly until it is paid off c) If Joseph keeps ignoring his bills, how much will he owe on December 27th?UseA=P(1 +j)fl d) How much does he owe in interest? e) How much does he owe next May? f) He chose his credit card because it didn t have an annual fee, but he could have chosen a low interest credit card that only charged 6% interest, but had an annual fee of $120. After 1 year, which card would he have been better off with? By how much? 4a) What type of people benefit from a credit card with no annual fee, but a high interest rate? b) What type of people would be better off with a low interest credit card, even if it has other fees?.9

9 assignment. You will use the website to complete the next part of the 4 What suggestions do they have to improve your credit score? c) Click on credit score basics b) List the seven sections that are found in your credit report. a) In 100 words or less, summarize what a credit report is. 1) Go to the link for credit education centre Credit Rating

10 I)

Vancity and Citizens Bank Visa * Cards

Vancity and Citizens Bank Visa * Cards Vancity and Citizens Bank Visa * Cards -Initial Disclosure Statement- We are required by law to provide you with this Initial Disclosure Statement. It summarizes certain terms of the Vancity and Citizens

More information

CREDIT CARDS AND YOU In this issue

CREDIT CARDS AND YOU In this issue December 00 CREDIT CARDS AND YOU Credit Cards and You December 00 In this issue Bank of Canada rate changes... The credit card decision... 3 What type of credit card is right for you?... 3 Credit card

More information

Cavock.(cin Ott( us. ftccet.t CctdA ttikn.. OSO on cdi. n.tf. bvdctn CQS. -or1tyr. pnjafl(s OLj flcr act.. c)s.%j,-01+k. 0e fj 41c&VSCAC4 (troet

Cavock.(cin Ott( us. ftccet.t CctdA ttikn.. OSO on cdi. n.tf. bvdctn CQS. -or1tyr. pnjafl(s OLj flcr act.. c)s.%j,-01+k. 0e fj 41c&VSCAC4 (troet MBF3C- 2016 Name: Comparing Financial Services Assignment Goal: I can compare the different types of chequing and savings accounts and investment alternatives available. Success Criteria:- Use the web

More information

PROCEDURE ON-LINE ANNUAL REGISTRATION

PROCEDURE ON-LINE ANNUAL REGISTRATION PURPOSE Annual registration is a professional obligation for members if they want to remain entered on the Roll of the OIQ. The registration period takes place every year between February 1 and March 31.

More information

Cancelling Registrations and Reservations User Brief

Cancelling Registrations and Reservations User Brief User Brief Doubleknot, Inc. 20665 Fourth Street, Suite 103 Saratoga, California 95070 Telephone: (408) 971-9120 Email: Doubleknot@doubleknot.com EM-CAN-UB-1.0 The following topics are covered in this document:

More information

Module 7 - Credit Reporting HANDOUT 7-1

Module 7 - Credit Reporting HANDOUT 7-1 ParticipantHandbook 1 Module 7 - Credit Reporting HANDOUT 7-1 Credit bureaus Credit bureaus are agencies that collect information about how we use credit. They produce personal credit reports. Credit bureaus

More information

Credit Cards and You series. Credit Cards: Understanding Your Rights and Your Responsibilities

Credit Cards and You series. Credit Cards: Understanding Your Rights and Your Responsibilities Credit Cards and You series Credit Cards: Understanding Your Rights and Your Responsibilities About FCAC With educational materials and interactive tools, FCAC provides objective information about financial

More information

RBC Royal Bank Cash Back Program Terms and Conditions

RBC Royal Bank Cash Back Program Terms and Conditions 1. Definitions You or your means: (i) the Personal Applicant on a Personal Account; (ii) the Business Applicant on a Business Account; and (iii) the Commercial Applicant on a Commercial Account; and we,

More information

Participants: Frequently Asked Questions

Participants: Frequently Asked Questions Participants: Frequently Asked Questions PARTICIPANT SELECTION 1. Are there any age restrictions to participating on a Global Village trip? a) OPEN Teams Persons under 18 years of age but no younger than

More information

NYU Stern School of Business Budget Tracking and Reporting System (BTR): User Manual

NYU Stern School of Business Budget Tracking and Reporting System (BTR): User Manual NYU Stern School of Business Budget Tracking and Reporting System (BTR): User Manual Contents: Introduction Technical Requirements Requesting Access to BTR A. Department Heads B. Users Budget Templates

More information

Time Value Tools: Program Overview

Time Value Tools: Program Overview Time Value Tools: Program Overview The Time Value Tools program is used to solve three types of Time Value of Money problems: Single Payment, Series of Payments, and Loan Payments. Each problem may be

More information

Your State Pension Choice Pension now or extra pension later: A guide to State Pension Deferral

Your State Pension Choice Pension now or extra pension later: A guide to State Pension Deferral Your State Pension Choice Pension now or extra pension later: A guide to State Pension Deferral Introduction About this guide When you are coming up to State Pension age, you need to decide when you want

More information

Additional Cardholder means a Co-Applicant or Authorized User; Annual Calculation Date means the January Statement Date of each Annual Period;

Additional Cardholder means a Co-Applicant or Authorized User; Annual Calculation Date means the January Statement Date of each Annual Period; RBC Cash Back Program Terms and Conditions (11/2012) 1. What the Words Mean I, me and my mean (i) the Personal Applicant for a Personal Account, and (ii) any Business Cardholder on a Business Account;

More information

REGISTERING FOR INTERNET BANKING

REGISTERING FOR INTERNET BANKING REGISTERING FOR INTERNET BANKING A quick and easy guide 1 WHY REGISTER? 24 7 Convenience Manage your money online 24/7 anywhere in the world Save time Quick and easy to track and manage your account Security

More information

ATB Financial World Elite MasterCard. Membership Benefits and Privileges

ATB Financial World Elite MasterCard. Membership Benefits and Privileges ATB Financial World Elite MasterCard Membership Benefits and Privileges The premium, full-flex, all-inclusive MasterCard Contents With its flexible rewards, unlimited earnings, an exclusive annual bonus

More information

steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Platinum Mastercard

steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Platinum Mastercard Ready, steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Platinum Mastercard Important information Your Air New Zealand Airpoints TM Platinum Mastercard (or Airpoints credit

More information

ANZ Personal Banking GENERAL FEES AND CHARGES 07.10

ANZ Personal Banking GENERAL FEES AND CHARGES 07.10 ANZ Personal Banking GENERAL FEES AND CHARGES 07.10 Contents General banking 3 Credit cards 6 Lending 7 Housing loans 7 Security for loans 10 Car loans 11 Personal Loans 12 International payments and travel

More information

TRAVEL AGENT RATE GUIDE

TRAVEL AGENT RATE GUIDE EFFECTIVE November 2017 TRAVEL AGENT RATE GUIDE Underwritten by The Manufacturers Life Insurance Company and First North American Insurance Company, a wholly owned subsidiary of Manulife. TABLE OF CONTENTS

More information

Arkansas State University Banner Finance Self-Service

Arkansas State University Banner Finance Self-Service Arkansas State University Banner Finance Self-Service Contents Self Service Menu... 2 Approving Documents... 3 Viewing Documents... 5 Budget Transfers... 7 Multiple-Line Budget Transfers... 9 Budget Queries...

More information

Accounting 4.0 Workbook Manual

Accounting 4.0 Workbook Manual Accounting 4.0 Workbook Manual Disclaimer: We are community accountants, not software developers. Spreadsheets are provided on an as-is basis. While we take all reasonable care that they are free from

More information

My Big Year: How to Play

My Big Year: How to Play My Big Year: How to Play Welcome to My Big Year! You will take on the role of Luna, a 22-year-old recent college graduate, who is trying to juggle her first job, get into grad school, and manage her personal

More information

Math 2UU3 * Problem set 11

Math 2UU3 * Problem set 11 Math 2UU3 * Problem set 11 1. You have two options to invest $1500: (a) collect $150 at the end of each year (b) collect 6% interest at the end of each year. Determine which option is better in the short

More information

Week 3 Debt & Credit. Lee s Summit Baptist Temple

Week 3 Debt & Credit. Lee s Summit Baptist Temple Week 3 Debt & Credit Lee s Summit Baptist Temple Love not the world, neither the things that are in the world. If any man love the world, the love of the Father is not in him. For all that is in the world,

More information

How to be a savvy consumer

How to be a savvy consumer My book How to be a savvy consumer! Negotiate for deals everywhere! Check your bills for errors! Speak up when you feel wronged! Escalate complaints to a higher level! Emphasize your loyalty! Hold your

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING GENERAL FEES AND CHARGES 11.12.2017 TABLE OF CONTENTS General banking Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money International

More information

Disclosure Statement of Fees and Charges for Business Accounts

Disclosure Statement of Fees and Charges for Business Accounts At ICICI Bank Canada, we are committed to offering the best value and the highest level of service to our customers. Disclosure Statement of Fees and Charges for Business Accounts Canada The following

More information

ANZ PERSONAL BANKING

ANZ PERSONAL BANKING ANZ PERSONAL BANKING GENERAL FEES AND CHARGES 10.09.2018 TABLE OF CONTENTS General banking Lending Housing loans Security for loans Car loans Personal Loans International payments and travel money International

More information

Multicurrency in QuickBooks Online

Multicurrency in QuickBooks Online QuickBooks Online Student Guide Appendix B Multicurrency in QuickBooks Online 2 Appendix B Appendix B Many businesses in Canada buy and sells products and services outside of Canada. Often this requires

More information

CHAPTER 8: PERIOD-END PROCEDURES

CHAPTER 8: PERIOD-END PROCEDURES Chapter 8: Period-End Procedures CHAPTER 8: PERIOD-END PROCEDURES Training Objectives Actively participating in this chapter helps you: Understand the procedures that are completed at the end of an accounting

More information

Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay.

Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Fixed Fee Account Paying for your business banking needn t be complicated. That s why our Fixed Fee Account gives you greater control over the charges you pay. Choose the account plan that best suits your

More information

Compound Interest and Regular Payments

Compound Interest and Regular Payments Foundations of Math 12 Unit 1 Finance- Investing Money 5.1 Compound Interest and Regular Payments Compound Interest and Regular Payments Angus wants to save for a trip to Australia. Every six months he

More information

Important Notice to Commonwealth Bank Customers

Important Notice to Commonwealth Bank Customers Important Notice to Commonwealth Bank Customers Effective 28 October 2017 (unless otherwise specified below), the CommBank Transaction, Savings and Investment Account Terms and Conditions dated 1 May 2017

More information

The Small Business Health Options Program (SHOP) SHOP QUOTING TOOL INSTRUCTIONS

The Small Business Health Options Program (SHOP) SHOP QUOTING TOOL INSTRUCTIONS The Small Business Health Options Program (SHOP) SHOP QUOTING TOOL INSTRUCTIONS Table of Contents What is Maryland s SHOP Quoting Tool? What do I need to use this SHOP Quoting Tool? CENSUS WORKSHEET (1

More information

Workbook 3. Borrowing Money

Workbook 3. Borrowing Money Workbook 3 Borrowing Money Copyright 2019 ABC Life Literacy Canada First published in 2011 by ABC Life Literacy Canada All rights reserved. ABC Life Literacy Canada gratefully thanks Founding Sponsor TD

More information

Using the Finance Menu of the TI-83/84/Plus calculators

Using the Finance Menu of the TI-83/84/Plus calculators Using the Finance Menu of the TI-83/84/Plus calculators To get to the FINANCE menu On the TI-83 press 2 nd x -1 On the TI-83, TI-83 Plus, TI-84, or TI-84 Plus press APPS and then select 1:FINANCE The FINANCE

More information

Warehouse Money Visa Card Terms and Conditions

Warehouse Money Visa Card Terms and Conditions Warehouse Money Visa Card Terms and Conditions 1 01 Contents 1. About these terms 6 2. How to read this document 6 3. Managing your account online 6 4. Managing your account online things you need to

More information

Trader Manual Welcome to the exciting world of binary options trading!

Trader Manual Welcome to the exciting world of binary options trading! Trader Manual Welcome to the exciting world of binary options trading! This manual will explain exactly what binary options are, how to trade them and acquaint you with our website. If you have any questions

More information

Marketing Budget Excel Template User Guide

Marketing Budget Excel Template User Guide Marketing budget Excel Marketing Budget Excel Template User Guide The Marketing Budget Excel template, incorporating variance analysis and reporting allows you to develop a monthly marketing budget for

More information

THE BANK OF NOVA SCOTIA ST. VINCENT SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable).

THE BANK OF NOVA SCOTIA ST. VINCENT SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable). THE BANK OF NOVA SCOTIA ST. VINCENT SCHEDULE OF RATES Trademarks of The Bank of va Scotia, used under licence (where applicable). Contents Page Personal Deposit Accounts 3-6 Small Business & Commercial

More information

Fee Payment Information Full-Time MBA entering 2017

Fee Payment Information Full-Time MBA entering 2017 Fee Payment Information Full-Time MBA entering 207 *Information in this document is relevant for all students beginning their studies in the Full-Time MBA program in 207, including those in the joint programs

More information

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev )

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev ) TIPS AND HINTS: Using Medicare s Website to Choose a Medicare-Approved Drug Plan 2017 Prepared by Senior PharmAssist (rev 10.11.2016) IT PAYS TO COMPARE. The plan that was the cheapest for you in 2016

More information

GENERAL SERVICE FEES AND CHARGES

GENERAL SERVICE FEES AND CHARGES GENERAL SERVICE FEES AND CHARGES ANZ BUSINESS BANKING 02.2017 Contents General Banking Agent Deposit Books 4 2 3 Bank Cheques 4 Certificates Supplied 4 Custodial Services 4 Miscellaneous Service Fee 4

More information

Vancity Credit Card Agreement (for Business Use)

Vancity Credit Card Agreement (for Business Use) Vancity Credit Card Agreement (for Business Use) Table of Contents 1. INTRODUCTION 1 2. DEFINITIONS 1 3. ACCOUNT OPENING AND CARD ISSUANCE 2 4. TAKING CARE OF THE VISA* CARD AND VISA ACCOUNT 3 5. HOW AUTHORIZED

More information

Lesson 24 Annuities. Minds On

Lesson 24 Annuities. Minds On Lesson 24 Annuities Goals To define define and understand how annuities work. To understand how investments, loans and mortgages work. To analyze and solve annuities in real world situations (loans, investments).

More information

Manulife One. Client Guide

Manulife One. Client Guide Manulife One Client Guide 1 Welcome to Manulife Bank... Manulife One is as much an innovative approach to managing your finances as it is a mortgage. This guide will assist you in getting the most out

More information

Suppliers and Expenses Part I

Suppliers and Expenses Part I QuickBooks Online Student Guide Chapter 4 Suppliers and Expenses Part I Chapter 2 Chapter 4 In this chapter, you ll learn the steps necessary to set up suppliers, enter expenses, and track bills in QuickBooks

More information

Chapter 02 Customizing QuickBooks and the Chart of Accounts

Chapter 02 Customizing QuickBooks and the Chart of Accounts Chapter 02 Customizing QuickBooks and the Chart of Accounts Multiple Choice Questions 1. How do you access the screen to add a user and password? A. Company menu > Set Up Users and Passwords > Set Up Users

More information

Financial Literacy Stock Market Game Internet Research

Financial Literacy Stock Market Game Internet Research Name: Financial Literacy Stock Market Game Internet Research Instructions: Go to finance.yahoo.com to find the answers to the following questions What is the current level of the three major stock market

More information

WHAT DOES UNIBANK DO WITH YOUR PERSONAL INFORMATION? Why? Reasons we can share your personal information

WHAT DOES UNIBANK DO WITH YOUR PERSONAL INFORMATION? Why? Reasons we can share your personal information FACTS WHAT DOES UNIBANK DO WITH YOUR PERSONAL INFORMATION? Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not

More information

Name Date. Goal: Solve problems that involve simple interest. 1. term: The contracted duration of an investment or loan.

Name Date. Goal: Solve problems that involve simple interest. 1. term: The contracted duration of an investment or loan. F Math 12 1.1 Simple Interest p.6 Name Date Goal: Solve problems that involve simple interest. 1. term: The contracted duration of an investment or loan. 2. interest (i): The amount of money earned on

More information

Personal Checking Accounts Truth in Savings Disclosure

Personal Checking Accounts Truth in Savings Disclosure Personal Checking Accounts Truth in Savings Disclosure All First Merchants Checking accounts listed below come with the following account features: FREE Enhanced MasterCard Debit Card 1 MoneyPass Surcharge

More information

Name: Show all your work! Mathematical Concepts Joysheet 1 MAT 117, Spring 2013 D. Ivanšić

Name: Show all your work! Mathematical Concepts Joysheet 1 MAT 117, Spring 2013 D. Ivanšić Mathematical Concepts Joysheet 1 Use your calculator to compute each expression to 6 significant digits accuracy or six decimal places, whichever is more accurate. Write down the sequence of keys you entered

More information

Microsoft Dynamics GP Year-End Close. Manual

Microsoft Dynamics GP Year-End Close. Manual Microsoft Dynamics GP Year-End Close Manual 2017 Contact FMT Consultants Support Customer Care customercare@fmtconsultants.com (760) 930-6400 option 1 Sales Felipe Jara fjara@fmtconsultants.com (760) 930-6451

More information

Allstate Retirement Plan

Allstate Retirement Plan Allstate Retirement Plan This Summary Plan Description ( SPD ) describes the Cash Balance provisions of the Allstate Retirement Plan (the Plan ) in effect as of January 1, 2014. The attached Appendix A

More information

steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Low Fee Mastercard or Air New Zealand Airpoints Standard Mastercard

steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Low Fee Mastercard or Air New Zealand Airpoints Standard Mastercard Ready, steady, take off Welcome to your Airpoints credit card Air New Zealand Airpoints Low Fee Mastercard or Air New Zealand Airpoints Standard Mastercard Important information Your Air New Zealand Airpoints

More information

Welcome to your Nationwide MySave Online Account

Welcome to your Nationwide MySave Online Account Welcome to your Nationwide MySave Online Account This guide will tell you everything you need to know about the account and help you make the most of it. If you have any further questions, you can call

More information

Post-Registration Fee Payment and Monthly Service Charge Fee Billing Schedule. Convert Aeroplan & TD Travel Rewards Points into Credits towards Fees

Post-Registration Fee Payment and Monthly Service Charge Fee Billing Schedule. Convert Aeroplan & TD Travel Rewards Points into Credits towards Fees Making A Fee Payment OVERVIEW: I. Registration Period Payments II. III. Post-Registration Fee Payment and Monthly Service Charge Fee Billing Schedule Fee Payment in Canada: Options Bank Payments Online

More information

Chapter 5: Finance. Section 5.1: Basic Budgeting. Chapter 5: Finance

Chapter 5: Finance. Section 5.1: Basic Budgeting. Chapter 5: Finance Chapter 5: Finance Most adults have to deal with the financial topics in this chapter regardless of their job or income. Understanding these topics helps us to make wise decisions in our private lives

More information

Unit 9: Borrowing Money

Unit 9: Borrowing Money Unit 9: Borrowing Money 1 Financial Vocab Amortization Table A that lists regular payments of a loan and shows how much of each payment goes towards the interest charged and the principal borrowed, as

More information

Personal Finance Amortization Table. Name: Period:

Personal Finance Amortization Table. Name: Period: Personal Finance Amortization Table Name: Period: Ch 8 Project using Excel In this project you will complete a loan amortization table (payment schedule) for the purchase of a home with a $235,500 loan

More information

Discontinued Accounts

Discontinued Accounts Addendum to RBC Royal Bank Disclosures and Agreements related to Personal Deposit s Discontinued s effective June 1, 2017 2 Addendum to RBC Royal Bank Disclosures and Agreements related to Personal Deposit

More information

ANZ Bank New Zealand Limited ANZ17881

ANZ Bank New Zealand Limited ANZ17881 ANZ Credit Card Conditions of Use Effective 26 March 2018 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ

More information

Claiming Life Insurance Benefits

Claiming Life Insurance Benefits Emerald Financial Advisors 7269 Sawmill Road Suite 100 Dublin, OH 43016 614-389-7875 Claiming Life Insurance Benefits Page 1 of 5, see disclaimer on final page Claiming Life Insurance Benefits Life insurance

More information

Nova Scotia Seniors Pharmacare Programs

Nova Scotia Seniors Pharmacare Programs Nova Scotia Seniors Pharmacare Programs Effective April 1, 2018 The information in this booklet is subject to change and does not replace the Fair Drug Pricing Act. Please ensure your Nova Scotia Health

More information

Welcome to your CIBC Dividend Visa* Card

Welcome to your CIBC Dividend Visa* Card Welcome to your CIBC Dividend Visa* Card Banking that fits your life. Turn your everyday spending into cash back rewards Get started with your new cash back card 1. Activate your card Activate your card

More information

BORROWING: CHOOSING THE RIGHT TYPE OF CREDIT

BORROWING: CHOOSING THE RIGHT TYPE OF CREDIT Teacher s Guide BORROWING: CHOOSING THE RIGHT TYPE OF CREDIT Financial education at school: An AMF activity for teachers. CLASSROOM ACTIVITY BORROWING: CHOOSING THE RIGHT TYPE OF CREDIT Presentation of

More information

Savings conditions and information. For personal savings accounts that are no longer available to new customers

Savings conditions and information. For personal savings accounts that are no longer available to new customers Savings conditions and information For personal savings accounts that are no longer available to new customers For use from 13th January 2018 Welcome to Halifax This booklet explains how your Halifax savings

More information

personal accounts we re here for you.

personal accounts we re here for you. personal accounts we re here for you. basic chequing & self service packs Effective August 1st, 2008 basic chequing This is a pay as you go account; if you conduct only a few per month, it s just right

More information

WORKING WITH THE PAYMENT CENTER

WORKING WITH THE PAYMENT CENTER WORKING WITH THE PAYMENT CENTER SECTION 1: ACCESSING THE PAYMENT CENTER Access mystar at https://mystar.sfccmo.edu with Chrome, Firefox, Internet Explorer 10 or Internet Explorer 11. Important Note: At

More information

Travel Card Comparison: Rewards and Benefits Ɨ

Travel Card Comparison: Rewards and Benefits Ɨ Travel Comparison: Rewards and Benefits Ɨ Page 1 of 5 Express ± Visa Infinite * Debit Visa * Visa * Key Rewards and Benefits Earn 4 Scotia every $1 you spend at eligible gas stations, grocery stores, on

More information

Savings conditions and information. For personal savings accounts that are no longer available to new customers

Savings conditions and information. For personal savings accounts that are no longer available to new customers Savings conditions and information For personal savings accounts that are no longer available to new customers For use from 6th April 2018 Welcome to Halifax This booklet explains how your Halifax savings

More information

Bank of america business credit card rewards

Bank of america business credit card rewards Bank of america business credit card rewards The Offer. Direct link to offer (keep in mind this is targeted). Bank of America is offering a bonus of up to $500 when you open a new Business Advantage Checking

More information

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev )

Using Medicare s Website to Choose a Medicare-Approved Drug Plan Prepared by Senior PharmAssist (rev ) TIPS AND HINTS: Using Medicare s Website to Choose a Medicare-Approved Drug Plan 2019 Prepared by Senior PharmAssist (rev 10.14.2018) IT PAYS TO COMPARE. The plan that was the cheapest for you in 2018

More information

HSBC Mastercard Rates and Fees Information Box

HSBC Mastercard Rates and Fees Information Box HSBC Mastercard Rates and Fees Information Box Annual Interest Rates These interest rates are in effect on the day your HSBC Mastercard account ( Account ) is activated. Regular Interest Rates (rates apply

More information

Accounting with MYOB Accounting Plus v18. Chapter Four Accounts Payable

Accounting with MYOB Accounting Plus v18. Chapter Four Accounts Payable Accounting with MYOB Accounting Plus v18 Chapter Four Accounts Payable Recording a Purchase Important Points A Purchase is obtaining goods for re-sale. Purchases are obtained from Suppliers. Amounts owed

More information

Free Travel Insurance Offer FAQ s

Free Travel Insurance Offer FAQ s Free Travel Insurance Offer FAQ s Can a customer get the free travel insurance offer with their Irish Life Health plan? This offer is available to all customers who have a policy start date between the

More information

Arvest prepaid card Arvest prepaid card

Arvest prepaid card Arvest prepaid card Arvest prepaid card Arvest prepaid card You are about to visit a third-party site not operated by Arvest Bank, a FDIC-insured institution. The Arvest Chip-enabled debit card is the fast, safe and convenient

More information

Kim and Tara are sisters who have very different perspectives on the use of credit.

Kim and Tara are sisters who have very different perspectives on the use of credit. chapter 6 Assessing, Managing, and Securing Your Credit Kim and Tara are sisters who have very different perspectives on the use of credit. Kim avoids using credit. She has paid cash for everything, including

More information

Car Buying Project. Name: Click here to enter text. Period: Choose a period.

Car Buying Project. Name: Click here to enter text. Period: Choose a period. Name: Period: Choose a period. Car Buying Project The project will be web based where you will shop online for a new or used car that you would be interested in buying. After you have chosen the vehicle

More information

Lesson 5: Credit and Debt

Lesson 5: Credit and Debt Lesson 5: Credit and Debt debt: something owed to a person or an organization credit: the privilege granted to approved clients to receive goods or services and to pay for them in the future In February

More information

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 15 April 2018

Fees n Limits. Personal Banking fees and limits. It s Ours. Effective 15 April 2018 Fees n Limits. Personal Banking fees and limits Effective 15 April 2018 It s Ours. What s Inside Here. Everyday, savings and investment accounts Overdraft facility Credit cards International accounts and

More information

lesson eight credit cards overheads

lesson eight credit cards overheads lesson eight credit cards overheads shopping for a credit card costs: Annual Percentage Rate (APR) or Finance (Interest) Charges Grace period Annual fees Transaction fees Balancing computation method for

More information

REFUND TO CUSTOMER WHEN TRADE VALUE IS MORE THAN UNIT SALE

REFUND TO CUSTOMER WHEN TRADE VALUE IS MORE THAN UNIT SALE Method #1--If customer wants a refund cheque STEP 1-Set up an AP Clearing account if it does not already exist. 1. Go to Finance/GL/Update/Account Update 2. Enter current GL Year Sequence. 3. Choose a

More information

January Premier Schedule of Services and Tariffs

January Premier Schedule of Services and Tariffs January 2013 Premier Schedule of Services and Tariffs General Conditions: 1- The Bank reserves the right to levy additional charges for services and change the fees and charges at its sole discretion.

More information

Facts about credit card interest

Facts about credit card interest Facts about credit card interest Applicable to: NAB Credit Card Terms and Conditions NAB American Express Terms and Conditions Velocity NAB Credit Card Terms and Conditions NAB Qantas Credit Card Terms

More information

Customer Support Guide Creating Absence Adjustments

Customer Support Guide Creating Absence Adjustments Customer Support Guide Creating Absence Adjustments Contents Purpose... 2 Rationale... 2 Absence Accrual Patterns Policy Linking... 3 Absence Adjustments... 4 Creating the Adjustment... 5 Absence Calculator...

More information

Buyer s Guide for Deferred Annuities

Buyer s Guide for Deferred Annuities ACTION: Final ENACTED DATE: 10/14/2014 12:28 PM Appendix 3901614 3901-6-14 1 APPENDIX C Buyer s Guide for Deferred Annuities What Is an Annuity? An annuity is a contract with an insurance company. All

More information

Parents Guide to School Gateway

Parents Guide to School Gateway Parents Guide to School Gateway Account Activation Open the email invitation from your school. Follow the link in the email as instructed Select Send a PIN to my mobile. Wait a few minutes for the PIN

More information

How to Create a Spreadsheet With Updating Stock Prices Version 2, August 2014

How to Create a Spreadsheet With Updating Stock Prices Version 2, August 2014 How to Create a Spreadsheet With Updating Stock Prices Version 2, August 2014 by Fred Brack NOTE: In December 2014, Microsoft made changes to their portfolio services online, widely derided by users. My

More information

How to change pin number on regions debit card

How to change pin number on regions debit card How to change pin number on regions debit card I don't know my PIN. How do I get it? My card is about to/has expired. What do I need to do to receive a new one? You will need to obtain a new card (and

More information

Bank of america online pay estimated tax

Bank of america online pay estimated tax Home Bank of america online pay estimated tax We may add new Alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. returns by April

More information

THE BANK OF NOVA SCOTIA ST. LUCIA SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable).

THE BANK OF NOVA SCOTIA ST. LUCIA SCHEDULE OF RATES. Trademarks of The Bank of Nova Scotia, used under licence (where applicable). THE BANK OF NOVA SCOTIA ST. LUCIA SCHEDULE OF RATES Trademarks of The Bank of va Scotia, used under licence (where applicable). Contents Page Personal Deposit Accounts 3-6 Small Business & Commercial 7-9

More information

RBC Private Banking Premier

RBC Private Banking Premier RBC Private Banking Premier Discover the privileges of RBC Private Banking Premier. RBC Private Banking Premier 1 An exclusive offer for select clients of RBC Dominion Securities RBC Private Banking Premier

More information

Accelerate your experience using the Expresso planning, ordering and management tool.

Accelerate your experience using the Expresso planning, ordering and management tool. Accelerate your experience using the Expresso planning, ordering and management tool. With just a few clicks, exhibitors can order GES products and services through Expresso including: Booth furnishings

More information

Accessing and Using CentreSuite

Accessing and Using CentreSuite Scotia Visa Business Card Accessing and Using CentreSuite Table of Contents Introduction... 2 How to Log In... 2 CentreSuite Overview... 3 FAQs... 7 Contact Us... 9 Version 2.4 Introduction This guide

More information

Math 5.1: Mathematical process standards

Math 5.1: Mathematical process standards Lesson Description This lesson gives students the opportunity to explore the different methods a consumer can pay for goods and services. Students first identify something they want to purchase. They then

More information

Focus: Credit Cards: Statistics and Facts

Focus: Credit Cards: Statistics and Facts Focus: Credit Cards: Statistics and Facts Focus Sheet FAST FACTS Credit cards provide interest-free credit from the time of purchase to the end of the billing period 58% of Canadians pay their credit card

More information

MBF3C College Mathematics Managing Finances Assignment Buying on Credit

MBF3C College Mathematics Managing Finances Assignment Buying on Credit MBF3C College Mathematics Managing Finances Assignment Buying on Credit You are planning to make a big purchase using a new credit card you received. But you have decided not pay off the credit card balance

More information

EMPLOYEE STOCK OPTIONS

EMPLOYEE STOCK OPTIONS TAX LETTER May 2015 EMPLOYEE STOCK OPTIONS FOREIGN EXCHANGE GAINS AND LOSSES CAREGIVER AND INFIRM DEPENDENT CREDITS MAKING TAX INSTALMENTS EARNED INCOME FOR RRSP PURPOSES AROUND THE COURTS EMPLOYEE STOCK

More information

TRAVEL CONSULTANT RATE GUIDE

TRAVEL CONSULTANT RATE GUIDE TRAVEL CONSULTANT RATE GUIDE EFFECTIVE May 2018 Underwritten by The Manufacturers Life Insurance Company (Manulife) and First North American Insurance Company, a wholly owned subsidiary of Manulife. TABLE

More information