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High Rates Not on Charts
May 26, 2022
1:33 pm
hwyc
GTA
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Peter responded to GICjunkie - the Tandia 5y is seen on the promo tab based his/her May 20th submission. The chart is not the only location on this site to look for a deal !!! But I don't mind a forum for Tandia. Make it easier for me to look for the Tandia threads, past & present.

On a different note - everyone can help maintaining the promo tab up to date. If you spot something, just send Peter a private message. He always respond promptly. sf-smile

May 26, 2022
2:30 pm
gicjunkie
Ontario
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First of all, thanks to Peter for updating the Promo area with the Tandia rate (all I basically asked for). BTW, I didn't do this for my benefit and I don't work for Tandia.

Second: I cannot believe all of the hostility generated over one simple suggestion. Get a life people!

May 26, 2022
3:58 pm
JenE
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There are a number of people on this site that I listen to, knowing they are reasonable, knowledgeable and helpful. gicjunkie, Loonie, Norman1 head my list. Thank you for all your posts in the past and what’s to come in the future. Turquoise is a breath of fresh air, which I welcome. I admire Alexandra’s success and Dean’s humour. Others, too, are helpful. My 2 cents worth!!

May 26, 2022
4:29 pm
AltaRed
BC Interior
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Loonie said
AltaRed, you have objected every solitary time anyone has wanted to include anything that is not relevant to where you live - and this is even though you say you don't even buy GICs. This is quite unreasonable. It's time to drop the "Western alienation" rant and recognize the rest of the country. 

You have assumed wrongly based on a few posts in the recent past regarding discussion structuring the HISA table "rest of Canada" versus "ON only" but you are entitled to your opinion.

I am not interested in GICs but am particularly interested in HISA rates and offerings. ISTM both are important to different individuals.

May 26, 2022
4:34 pm
Loonie
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AltaRed said

You have assumed wrongly based on a few posts in the recent past regarding discussion structuring the HISA table "rest of Canada" versus "ON only" but you are entitled to your opinion.

 

No; you are assuming wrongly as to what my opinion is based on.
You have been making these kinds of comments for years, perhaps longer than you remember, and most of them much more pointed than the recent ones. You are nothing if not consistent.
I've tried to ignore these comments in the past, but enough already.

May 26, 2022
5:12 pm
COIN
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Maybe we can simply add Tandia to the regular list. If we have to drop a name to make room, then I suggest RBCRoyalBank. Has RBC done anything for any member in recent history?

May 26, 2022
5:44 pm
AltaRed
BC Interior
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turquoise said
And Loonie is right. This "Western Alienation" thing is getting tiring -- it's like when you have a hammer in your hand, everything looks like a nail. Nobody gives two ***** around here about western inclusion or western alienation. We want to know what's available with HISAs and GICs. If it's only available to folks in one province: more power to them. Geez.  

Nothing was implied in my posts on this thread about east vs west, or anything like that. The legitimate question is the criteria for inclusion. Should an entry have at least province wide eligibility rather than say, being exclusive to a county, municipality, or a specific group of folk, e.g. teacher's union? Should it be only GIC based or also HISA based? A certain minimum rate? Think a few folk here misread my posts in this thread entirely IF that comment was directed at me. I don't actually care what gets put on the "ON only" sort if that is where this is heading.

May 26, 2022
7:58 pm
Dean
Valhalla Mountains, British Columbia
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gicjunkie said

. . .

Second: I cannot believe all of the hostility generated over one simple suggestion.

Get a life people!
  

Not to worry, Gicjunkie ... it goes with the territory (the Interweb).

Some people just can't help but 'Ooze' with their Miserable / Curmudgeon / Unhappiness Lives ... and unfortunately, it shows here too. But at least on this site, they are but a Small Minority.

Like a fly, just flick them off your shoulder ... and hope that when they come back in their next life, they will have evolved into a much better Creature. sf-wink

    Dean

sf-cool " Live Long, Healthy ... And Prosper! " sf-cool

May 26, 2022
9:51 pm
smayer97
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lifeonanisland said

I know. Not as simple as it sounds. But there are some CUs out there that consistently offer smokin' rates. I think maybe handpicking the consistent winners, maybe ten or so, would be enough. And perhaps only those that are available broadly across the country...for example, most Manitoba CUs. Ideas only.  

You mean like they do here?
https://whatbank.ca/gic-rates-arent-high-enough/

Unfortunately, Tandia is not on their list either.

May 26, 2022
10:32 pm
lifeonanisland
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Nice...thank you.

May 27, 2022
2:04 am
Loonie
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lifeonanisland said

I know. Not as simple as it sounds. But there are some CUs out there that consistently offer smokin' rates. I think maybe handpicking the consistent winners, maybe ten or so, would be enough. And perhaps only those that are available broadly across the country...for example, most Manitoba CUs. Ideas only.  

I'd be hard-pressed to name any Ontario CUs that offer consistently superior rates, but many of them offer great rates periodically. Tandia is not always great for rates, for example, even though some people now want to put it on a chart; most of the time its rates are lacklustre, and you might have to wait a year or two to get one that would be of interest. I don't think any FI could survive if it always had the best rates.

My personal opinion is that, with reference to all the charts, they would be most useful if they covered the best rates available at any given time, no matter what restrictions they might have in terms of clients; that is MY idea of a chart that serves all Canadians best - hopefully something for everyone. I accept the fact that no rate lasts forever, nor is it always going to be the most desirable one, so, in that sense, to me, they are all "promo" rates, all subject to change. I doubt there would ever be as many as 12 worth noting at one time, but let's say 12 for argument's sake.
However, to do this would require frequent adjustments as to which FIs were on a chart. Based on his previous comments, I think Peter would find this to be too much work; it's his call.

I doubt very much that it's possible to accommodate gicjunkie's suggestion in a way that would not just invite more calls for additions and deletions as well as complaints that such-and-such offer is not available to me because I live in BC or am not part of their bond or I have too much money for their limits or they don't offer joint accounts or RIFs or they have different rates for registered funds or whatever. The list of annotations that people could ask for is considerable and unwieldy.

I keep my own lists of everything that is of interest to me and some that are not of great interest, for comparison; and I sometimes find it challenging to keep track of my own criteria, never mind everyone else's.

savemoresaveoften hinted that one needs to do the leg work if one wants to get the best offers, and I think that's basically true in practice.
And that's OK with me. I am significantly better off financially since I started implementing what I've learned from this website, and I get better at it every year. sf-smile Knowing what I know about how I make my decisions, I don't think a more extensive chart would help. If you can keep up with the threads, that's where the meat is.

If I were to suggest a possible improvement, it would be to be more aggressive about limiting threads to the topic at hand and moving side topics to another thread. As it stands, it can be very difficult to find what you know you read earlier. You have to catch it the first time or risk losing it. But this too would probably take too much time. So I will probably continue to do the leg work as long as I'm able, and this will happen regardless of any chart upgrades.

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