饺子的奉献+SUVEY: 你是如何MANAGE YOUR FINANCE?

dropoutinmiami(东北的饺子)

本文发表在 rolia.net 枫下论坛在中国的时候, 不需要很复杂的FINANCE MANAGEMENT: 钱存在银行, 需要就去取, 一切付现金. 到了北美, 支票, 信用卡, MORGAGE, LINE OF CREDIT, BANKING, BILL PAYMENT等等成了日常要处理的大事. 在此, 把俺的经验和大家共享, 同时也想知道你是如何MANAGE的, 用的是哪家的SERVICE, 它们的SERVICE如何.
1. BANKING
我用过ROYAL BANK 和CIBC. ROYAL BANK的INTERNET BANKING是我见到所有银行(包括一些美国银行)中最好的. 界面简单友好, 非常非常方便. CIBC的电话BANKING 是很好的, 不需要ON HOLD很久, CSR的服务很好, 大多是男生. 有时和他们聊聊天. 但因其INTERNET BANKING的界面太弱智. 放弃了.

我的所有的BANKING ACTIVITY几乎全部是用INTERNET BANKING. CHECK BALANCE, BILL PAYMENT, FUND TRANSFER. 尤其现在MANAGE我父母的日常生活, 及经常旅行, 实在是太方便了.

推荐ROYAL BANK 的INTERNET BANKING.

2. 存款
加拿大的银行利率非常低. GIC一点不ATTRACTIVE. 在此推荐AMERICAN EXPRESS SAVING (IN CANADA). 利率4.05%, (GIC ABOUT 3%)不是定期, 不需要锁定FUND. 随时WITHDRAW和DEPOSIT.非常方便, 打电话就行. 第二天, FUND就AVAILABLE了.

所有, 我把钱都存在那里, (没做投资, 正要介入), 需要时就划到在ROYAL BANK的CHECKING ACCOUNT.

3. USD 还是CAD
我还是PREFER USD. 美元近几年非常STRONG. 相反CAD很弱. 有人预测要低过1.6. 我把美元存在美国银行, 同样类似的SAVING, 6%利率, 现在可能是5.5%.
可以用户召开户, INTERNET BANKING 或者TELEPHONE BANKING管理.

4. 信用卡
保持2-4个信用卡, 每半年要求INCREASE CREDIT LIMIT. 保持良好的纪录. 信用卡是最好的发明. 我爱死了她, 尤其是TRAVEL, 方便方便.

5. BANKING CARD
你是否相信, 用你的这张银行卡, 你可以在全世界任何地方取钱. (别抬杠, 差不多的地方), 而且EXCHANGE RATE最好, 好过CREDIT CARD 和TRAVELOR CHECK.
但永远记住, 不可以把你的卡在任何情况下, 给别人, 还有你的密码. 不象CREDIT CARD, UNAUTHORIZED WITHDRAWAL是没有LIMIT的. 当然, 每天取款额是有限度的, 通常1000.

6. LINE OF CREDIT
没申请, ROYAL BANK主动给了我$10000的LINE OF CREDIT. 当然主要是因为我的信用纪录好. 再则, 这是他们赚钱之一. 通常利率是2.5%+PRIME RATE, 大概8.5%以上, 是变化的.
建议, 你在有一年的开户历史. 要求LINE OF CREDIT以防万一只需. 不用也不用付利息.

7. INVESTMENT
不在我的经验之中. 正在准备介入. 因为已经累计了不少的RRSP, 准备INVEST.

在北美, 赚1元钱, 可不是1元钱, 但省1元钱, 可是1元钱.

以上供参考. 同时想知道你用的是哪家银行, 如何管理你的财务.更多精彩文章及讨论，请光临枫下论坛 rolia.net

(#84215@0)
Last Updated: 2001-5-29

饺子大大的好!!! -guest:; 2001-5-29 (#84221@0)

谢谢饺子，等着看投资篇，，：) -moonriver(moon river); 2001-5-29 (#84222@0)

在补充一点儿, 如何一不小心, 晚付了帐单, 产生了LATE PAYMENT FEE或者, 没有TRACK你的帐户, OVERDRAFT了(取钱取冒了) $25的FIANCE FEE. 如果是第一次, 或因为不熟悉, 一般银行都会WAIVE. CSR就有这个权力, 否则找SUPERVISOR, 不要就算了. -dropoutinmiami(东北的饺子); 2001-5-29 (#84227@0)

credit card -guest:; 2001-5-29 {656} (#84258@0)
I use Amex cash-back credit card which reward you 1% of your annual spending above $2000. It's not big money but probably enough to get yourself a little present at Xmas.

I know some gold cards can waive you rental car insurance, the problem is most of these cards have annual fees. I applied a Capital One platium card in hope of waiving this insurance if I need to rent a car, but haven't got a chance to try it out yet. Anyone has more precise info?

Sometimes too many credit cards can affect your ability to get future loans, like housing mortgage or line of credit, as credit card limit is deemed as a unsecured loan by the Credit Bureau.

Yes, I use the rental collision waiver. Most credit cards have that feature without annual fee. -dropoutinmiami(东北的饺子); 2001-5-29 (#84340@0)

Thanks, a very userful article. I use TD bank, internet banking. TD is reported to be the best online banking in Canada, and I believe this. -bloor(不算太老); 2001-5-29 (#84232@0)

Where and how to make American Express Savings? Thanks. -xyfang(大圣); 2001-5-29 (#84233@0)

1-888-461-2639 AMEX INVESTMENT SAVINGS ACCOUNT. Call to ask application. They will send to you. Very simple. Also they are subsideroy of American express, insured. Good luck. -dropoutinmiami(东北的饺子); 2001-5-29 (#84243@0)

刚打了电话，AMEX只有加元帐户，有提供类似服务美圆帐户的银行吗 -000(老九); 2001-5-29 (#84263@0)

I used www.sfnb.com, which belongs to Royal Financial Group. The interest rate was good, 6%, but the service sucks. I moved my money out. -dropoutinmiami(东北的饺子); 2001-5-29 {117} (#84342@0)
First Union (www.firstunion.com) is a big bank, I am using it now. But their internet banking is the most stupid one.

请教各位大侠，现在这个电话是不是变成：1-888-453-2639了？另外， -liulianliulian(流连); 2004-5-8 {167} (#1716074@0)
它的ｃａｎａｄａ　ｈｏｍｅ　ｕｒｌ是不是http://home3.americanexpress.com/canada/en/homepage/default.asp
还有它没有具体的办公地点什么的？--初来乍到，问题很幼稚，请包涵

you can also use ING Direct, similar service and interest rate. And their mortgage rate is pretty attractive too. -guest:saving; 2001-5-29 (#84254@0)

TD的网上银行服务最合我意，而且以前的money builder支票帐户也很合用.ING Direct的GIC也不错。 -guest:ll; 2001-5-29 (#84253@0)

谢谢饺子! 太有用了! 几个问题请教, 请进... -sisi(丝路花雨); 2001-5-29 {234} (#84281@0)

1. 为什么要保持2-4个信用卡, 卡一多, 很容易糊涂吧. 2. 什么是line of credit? 是不是每月的信用额度? 3. AMERICAN EXPRESS SAVING (IN CANADA) 与Royal Bank之间划帐没有费用吗? 是否很方便没有什么限制.
我刚来没多久, 这方面知识很少, 见笑了 *_^

My answers -hailstorm(鹏飞北溟); 2001-5-29 {631} (#84285@0)
1. Different card can be used in different situation. Some store only accept Visa and some only accept MC. So in my opinion, 3 card is enough (one Visa, one MC, and one AMEX). Too many cards are dangerous. You won't be able to track your expense.

2. "line of credit" is the maximum money you can borrow from the bank. (correct me if I am worng)

3. Money transfer between AMEX Saving and other banks are free. No minimal amount required.

4. Other good places (I mean secure places) to put money is money market and bond. But that depend on your target (capital gain, security, or flexibility), there are lots of options.

Thank you very much! What a pure English! Can I ask you two more questions? pls... -sisi(丝路花雨); 2001-5-29 {665} (#84299@0)
1. If i am not working, or I am a student, is there any possible for me to get a credit card? In fact, i have deposited some money to get a Master Card, but now i want another Visa card as you suggested, what should I need and what can i do? to apply from internet, or go to the counter directly?

2. If one of the couple, say, the husband, has a credit card, is it easier for the wife to get another credit card? Or is there anything need to be careful when the other applies for another card? I understand there are different credit history for each of them, but i am not sure if the credit history of one will impact the other in some ways.

Thanks a lot *_^

有空查一查以前的帖子, 关于信用卡的... -dropoutinmiami(东北的饺子); 2001-5-29 {527} (#84358@0)
1. 我用DEPOSIT 2000得到$1000元CREDIT LIMIT得到我的第一个信用卡. 不到半年, 我就把钱要回来了. 我对银行说, I HAVE SUCH SUCH AMOUNT INCOME, YOU WANT MY BUSINESS, DO IT.
据我所至, 学生身份反倒不用DEPOSIT. BUT I AM NOT SURE.

或者, 等半年后在申请VISA, 就可以了. 如果你要DEPOSIT, 最好去柜台. 否则INTERNET. INTERNET APPLICATION是电脑REJECT. COUNTER APPLICATION, THERE IS SOME FLEXIBILITY.

2. 如果申请CO-APPLICANT CARD. 很简单, 一定会给的. 但对建立你自己的信用历史没什么帮助. 最好都申请各自的. 比如, 离婚, DISABLE, UNEMPLOYED等等.

Thank you! Have a nice day! *_^ -sisi(丝路花雨); 2001-5-29 (#84369@0)

More on credit card -hailstorm(鹏飞北溟); 2001-5-29 {537} (#84447@0)
1. Student should be easy to get a credit card. Because they usually can get a better job after graduation (compared to those who didn't go to the university). You can fill out an application form (available in most banks), mail it or talk to some one in a bank.

2. You can get additional card for your spouse for free. In this case, he/she sign the bill, you pay the money. :) The only differenct is your spouse won't get good credit history. He/she will have some problems if you are seperated in the future.

Hope this helps

Thanks all! *_^ -sisi(丝路花雨); 2001-5-29 (#84456@0)

Perfect answer. LINE OF CREDIT不是最大的额度, 只是银行的一种贷款形式. 如果你需要别的贷款, 如车, 房子等等, 可以向他们申请. 最大额度取决于你的信用历史和你的还款能力. 比如, 收入20000只能借XXX AMOUNT -dropoutinmiami(东北的饺子); 2001-5-29 (#84347@0)

饺子你回来啦？上次活动我给你爸妈打电话了，我说我去接他们。电话里你爸很谨慎，大概怕被坏人骗吧，估计没把我当好人。他说回头再给我打过来，后来就没消息了。我想也是，老人在这里还是小心的好。没完成你交的任务，惭愧惭愧！ -xiaopig(小猪格格); 2001-5-29 (#84286@0)

全误会了. 我爸妈等你到下午, 烙的馅饼, 把你的那份也带出来了. 嘿嘿...ANYWAY, THANKS. 下次游记回去吃馅饼吧 -dropoutinmiami(东北的饺子); 2001-5-29 (#84350@0)

更正, 是"有机会" -dropoutinmiami(东北的饺子); 2001-5-29 (#84362@0)

我也想我妈包的饺子,宪兵,包子什么的了~~~~ -guest:; 2001-5-29 (#84371@0)

啊，我可是一直等他们电话给我答复啊，你爸电话里边说问你妈，后来我就等啊等，就没消息，不过说真的，那天活动没什么意思。下次，怎么样。帮我跟他们说对不起。挺逗的，你在美国，爸妈在温哥华，我爸妈在美国，我在温哥华。呵呵。。 -xiaopig(小猪格格); 2001-5-29 (#84407@0)

跟绕口令似的。 -pandora(Sarah); 2001-5-29 (#84409@0)

xixi...小猪说话快，不爱多喘气。。。 -xiaopig(小猪格格); 2001-5-29 (#84414@0)

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饺子的奉献+SUVEY: 你是如何MANAGE YOUR FINANCE?

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