Rebate Time again!

The Great Canadian Rebate is offering 5.25% cash back for Canadian Tire purchase this week. Time to buy the CT gift cards and save on gas!

My Car insurance drop almost $400!

I got the quote for my car insurance renewal from Monnex yesterday. To my surprise, with a speeding ticket last year, they drop my insurance by $366, almost $400!! I will be paying $790 all in for my one year old Mazda3 next year. It is a full coverage as well, including third-party liability, collision, and comprehensive. Not bad at all.

A happy day. I won't complain. :D

About tax return, got my T4, still waiting for some forms

It is tax time! Got my T4 from my company last Friday. ING Direct has sent me T5 and my RRSP contribution statement back in January. The forms I am still waiting for are:

1. T5/T3 from Scotiabank. I have less than $50 interest from my MoneyMaster Savings account in Scotiabank. So I don’t think they will send me a T5. But I do have mutual fund account with them as well. My fund distributed some capital gains last year. I should get a T3 for that.

2. T5 from ICICI Bank. ah, this Indian bank, I should get a T5 from them for my US$ account. However, I totally do not expect any form sent to me in time from them. The customer service from ICICI is as horrible as it can get. So rather than waiting for the T5 to come, I just calculated the interest income I need to file myself and get over with it. Fortunately, I don’t have any investment or RRSP account with them. They do have high savings rate. But I will recommend to have very simple investment account with them, such as savings and GICs.

3. T3 from Questrade. I don’t know what the deadline is for T3. I think it is sometime in March. I need the T3 to file the dividend paid out by my ETFs.

So after I got all the forms above, I can officially file my tax. As calculated roughly today, I should get back all my tax paid during 2007.

I do not want to rush the return this year. I want to identify every possible tax deduction/credit available to me although there might not be any more than I have already known. But it never hurts to double check. Now I just hope I can get all those forms as soon as possible. Then I will be a very happy person.