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Email this12:23 pm
May 24, 2016
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2.75% for me.
12:43 pm
August 17, 2010
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Missed me on last 2 promotions. I called in and spoke to next level and asked for a retention offer and they said they couldn't give me one. They had sent me a mutual fund offer in the mail and they said that was my current offer.
1:21 pm
February 24, 2015
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Comparing a mutual fund offer to a savings account offer is a new tactic. What is it costing Tangerine to handle what likely is an ever increasing number of calls. By the way, my son and I got both offers.
3:04 pm
December 12, 2009
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Rick said
postulated: Something assumed without proof as being self-evident or generally accepted, especially when used as a basis for an argument
predicted: That which has been foretold.
You have to be right to say you predicted it.
Thanks for clarifying the definitions, Rick, but can't the verb to predict be used in the present or future tense, i.e. the gerund form, as in predicting, which is what I believe that I did? 😉
I was partially or mostly right anyway. All has not been foretold, either! 😉
Cheers,
Doug
3:06 pm
December 12, 2009
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Peter said
I got 2.75% this quarter; more details in the retention thread.
Thanks, Peter; though for you, as I believe this was only the second consecutive quarter you've either gotten or acted on a promo rate, I suspect they could be offering you better promos as you've not fully exercised the promos like others (including Loonie and me have). 🙂
Cheers,
Doug
3:08 pm
December 12, 2009
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Rick said
I count 12 people so far getting 2.75 and 2 got 2.55 promo rates. Don't see anyone with 2.1 or 2.5 in this thread at all. In the Q4 promo thread I see 3 people were offered 2.5 retention. Lowest promo offer I've seen so far is 2.55 percent....STILL better than 2.5. Promo rates are MOSTLY 2.75...are you confusing promo and retention rates?
Nope. I got 2.12% promo offer. No retention rate as I didn't call. Plus, I know the difference. Same with my mom, who was offered 2.12% and didn't get an offer last quarter whereas I did. 😉
Cheers,
Doug
3:09 pm
December 12, 2009
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toto said
Missed me on last 2 promotions. I called in and spoke to next level and asked for a retention offer and they said they couldn't give me one. They had sent me a mutual fund offer in the mail and they said that was my current offer.
Whoa...I got the mutual fund offer in the mail, though I don't have their mutual fund account, but I did get a 2.12% promo offer. So now they're giving clients mutual fund offers in lieu of savings account offers!? 😉
Geezus!
Cheers,
Doug
4:49 pm
March 21, 2017
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Doug said
"Inside insights"? I hope you're not insinuating anything and that that is mere sarcasm because it's not clear to me.Also, when how is postulated, as you put it, not predicted? 😉
Cheers,
Doug
Sorry, I think I was originally insinuating something but they edited that part out. Didn't really believe the inside insights alternative anyways ... kind of obvious this stuff's being made up as you go. Facts and evidence just get in the way. Cheers to free speech 🙂
Pretty sure someone else has already set you straight on the postulated thing.
5:30 pm
February 17, 2013
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Doug said
Nope. I got 2.12% promo offer. No retention rate as I didn't call. Plus, I know the difference. Same with my mom, who was offered 2.12% and didn't get an offer last quarter whereas I did. 😉
Cheers,
Doug
2.12 is a no-brainer......off to EQ with it!!! You postulated a scenario based on assumptions, so I think that definition sticks, had it come true...you would have predicted it. They both have several definitions....I think those two are most appropriate. Thanx for the entertaining read anyway! 
Always enjoy the variety of opinions and info I find in this forum.
6:01 pm
December 12, 2009
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Rick said
2.12 is a no-brainer......off to EQ with it!!! You postulated a scenario based on assumptions, so I think that definition sticks, had it come true...you would have predicted it. They both have several definitions....I think those two are most appropriate. Thanx for the entertaining read anyway!
Always enjoy the variety of opinions and info I find in this forum.
Just curious...what's "your number" whereby you'd transfer it out to EQ Bank or similar FI with a decent posted rate? Less than 2.50, 2.45, 2.40 or lower?
Cheers,
Doug
7:46 pm
February 17, 2013
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Doug said
Just curious...what's "your number" whereby you'd transfer it out to EQ Bank or similar FI with a decent posted rate? Less than 2.50, 2.45, 2.40 or lower?
Cheers,
Doug
Not sure. 2.5 would have caused internal conflict between my lack of loyalty to Tang and my drive for the best return, tempered with the need to prove that I am willing to move it all out. I still think you have to show them you mean business just so they don't take your patronage for granted. If what you think may come to pass does, they will make that decision for me.
12:44 pm
October 21, 2013
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Doug said
Whoa...I got the mutual fund offer in the mail, though I don't have their mutual fund account, but I did get a 2.12% promo offer. So now they're giving clients mutual fund offers in lieu of savings account offers!? 😉
Geezus!
Cheers,
Doug
Now, I'm curious; what was the mutual fund promo offer exactly?
2.75 for spouse.
2:25 pm
December 12, 2009
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Loonie said
Now, I'm curious; what was the mutual fund promo offer exactly?
2.75 for spouse.
If it's the same one I got, $10 per $1000 you invest in either a non-registered, RSP or TFSA mutual fund account up to $15,000 or $150 total bonus. Bonus is to be paid in early January 2018 and will be based on your balance as of the end of December, something like that. Not a long "hold period" and not bad for a smaller investor where ETFs are too costly in terms of trading costs but a "few hoops to jump through" if you plan on closing the mutual fund account. 🙂
Perhaps my mom & I got that promo instead of a better Savings promo, I'm not sure. That's a troubling, though not completely unsurprising in hindsight, sign of things to come, perhaps. Consider that a postulation or a prognostication, is that still right, Rick? 😉
Perhaps I should change my nickname to BankGroundhog? 🙂 
Cheers,
Doug
Footnote #1: Thanks for sharing, Loonie. Guessing spouse is primary account holder on the joint account?
Edit #1: Corrected bonus amount to $10 per $1000 contributed, total of $150 bonus for $15,000.
2:33 pm
November 29, 2014
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Doug said
If it's the same one I got, $100 per $1000 you invest in either a non-registered, RSP or TFSA mutual fund account up to $15,000 or $150 total bonus.
It's actually $10 per $1000 as the numbers you give show.
2:52 pm
December 12, 2009
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HIS285 said
It's actually $10 per $1000 as the numbers you give show.
Oops, sorry, should've proofread that.
$10 per $1000 and $150 total if $15,000 contributed and on account as of such and such date. Thanks.
Also, "bonus" is treated as a "transfer," not a "contribution," to registered plans when credited as addition units in a mutual fund(s) and is non-taxable in non-registered accounts.
Cheers,
Doug
5:24 pm
March 21, 2017
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Doug said
Perhaps my mom & I got that promo instead of a better Savings promo, I'm not sure. That's a troubling, though not completely unsurprising in hindsight, sign of things to come, perhaps. Consider that a postulation or a prognostication, is that still right, Rick? 😉
Still postulating ... since it's another unproven assertion.
Also wrong again. Myself and many of my friends have received both offers.
Don't think you really intended to use the double negative?
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