Let's start with getting my retirement savings accounts (RRSPs) transferred from one bank to another. I need to open two new accounts with my primary bank. One is a regular RRSP account. The other one is a locked-in RRSP account where the money can't be touched until I retire.
I had to deal with another financial representative who called me after I was done work. The conversation did not start off well.
"Do you know that you have a locked-in retirement (LIRA) account?" he asked."Yes. I don't appreciate your condescending tone," I replied.
The day before, I had sent two completed forms back to my bank. One was for my regular RRSP account. The other for the LIRA. I knew exactly what I was doing. He had all forms in his position. He was just too lazy to look at them.
I did a questionnaire a couple of days ago to determine what type of LIRA account would suit my needs. He did the same thing again, but did a cross reference between my answers over the phone and a previous one from a week ago for my regular RRSP account. I didn't get it. Wouldn't you want the get the results for the LIRA questionnaire that I did recently, as they are for this new LIRA account? It didn't make a whole lot of sense.
I was civil. I did say that we should get things over with by doing this questionnaire and thanked him at the end. He did apologize for being condescending. I think he let up when he asked me how much was in my LIRA and I told him right down to the cents.
I have more to unleash about my manager and our human resources department. I'll save that for tomorrow.
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