现在就可以开tax free saving account, ING offer 6% interest by Dec 31

[小熊猫]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

今天收到几个ING direct referral bonus入账通知. 由于是不记名的，所以无法一一谢过。非常感谢网上朋友对我的信任。如果以后有好的东西，我一定会和大家分享。
欢迎大家继续踊跃使用我的referral code。 Your referral Orange Key is 17459887S1 Enter this key on your Enrollment Form to get your $13 Bonus.

其中就有我的，呵呵。

我的referral Orange Key 是17479884S1。

上面各位orange key的限额到了（２０人）就可以用我的了。

http://www.ingdirect.ca/en/signmeup/index.html

 

[stevenchenxi]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

今天收到几个ING direct referral bonus入账通知. 由于是不记名的，所以无法一一谢过。非常感谢网上朋友对我的信任。如果以后有好的东西，我一定会和大家分享。
欢迎大家继续踊跃使用我的referral code。 Your referral Orange Key is 17459887S1 Enter this key on your Enrollment Form to get your $13 Bonus.

还有我呢，TD转钱到ING算一次普通的transaction，不另外收钱。
我的referral code：17480166S1
谢谢

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

谢谢上面两个朋友。我就是觉得ING 非常好用。所以才与大家一起分享。
对了我最近在一个英文网站上，看到一个网友说ICICI，一个印度银行好像要有问题，虽然他们也有referral bonus$20, 利率也不坏，我不建议大家用，他们服务电话服务很不好。

 

[freedom2000]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

我的orange key is :17480893S1

 

[cucuwk]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

我的REFERRAL CODE 是：17362816S1

 

[stevenchenxi]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

谢谢上面两个朋友。我就是觉得ING 非常好用。所以才与大家一起分享。
对了我最近在一个英文网站上，看到一个网友说ICICI，一个印度银行好像要有问题，虽然他们也有referral bonus$20, 利率也不坏，我不建议大家用，他们服务电话服务很不好。

我公司两个印度人非常自大，老是当着我的面说中国这个stupid，那个ridiculous。今天实在忍不住了，跟他们大吵了一顿。对印度人感觉真是差到了极点。坚决抵制。
PC也有好多印度口音的客服，态度也差的要命。真是受不了了，所以现在开始转投TD+ING了。

 

[atongmu]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

请问各位一个问题：

RSP Investment Savings Account (RSP ISA)和普通的saving account有什么区别？

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

rsp ISA 和 普通ISA的利率是一样。但是RRSP（=RSP)是政府给有工作的人的一个减税延税的退休储蓄计划。 不是每个人都能买的。当你去年有工作， 并且报税，在你的notice of assessment 上会告诉你，你可以今年可以买多少(RRSP contribution room)。一般是收入的18%，每年还有个上限。

当你买了RRSP, 你当年的收入减去你买的RRSP金额，剩下的就是你的应纳税所得额。你放到RRSP的钱可以在你需要钱或者退休以后定期或不定期的取出，当你取出时，作为你当年的收入和你当年其他收入一起计算应纳税所得额。当然这里也有两个例外，就是你第一次买房和你fulltime study. 你可以分别取出$20000， 不用纳税，但是要在第二年分15年和10年还清。具体细节你可以上CRA网上看。

所以我的建议时如果你有RRSP contribution room, 你的税率比较高，你又有存款，最好先买RRSP。RRSP 账户你也可以用于投资GIC(定期存款），mutual fund and so on. 强烈推荐收入高的配偶给没有收入或收入低的配偶买spouse RRSP. 三年以后你的配偶可以从这个RRSP中取钱，作为他的收入。如果你的税率是22+9=31%， 你配偶收入+RRSP低于37000，他的税率就是15+6=21%。

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

更新ING direct bank account 优势。
1．现在ING 的GIC
Current Interest Rate
1 Year 3.60%
1 Year 4.00%
2 Year 4.25%
3 Year 4.50%
4 Year 4.50%
5 Year 4.50%

2。ISA可以拿到$13 bonus和3%的利率, ATM card 可以用于取现金。
3。TFSA的benifit是double interest before Dec 31 利率6%。
4。no service fee, no minimun, no withdrawal limits.
5。transfer your ING RRSP, TFSA account to other banks, no service fees.
6。CDIC insurance guarantee $100,000 for ISA, GIC's, the Business ISA, and RSP accounts
7。如果你网上银行的密码被别人盗用，他们是100% 补偿你的损失。

My referral Orange Key is 17459887S1 . Enter this key on your Enrollment Form to get your $13 Bonus.


开户程序：
你可以先开一个investment saving account( ISA), 得到$13. 我不喜欢寄支票，因为我不信任canada post. 第一次一个网友给了他的推荐号，我寄了一张支票金额是$100, 在支票的memo 上写上我的客户号，这个号是你在网上填表开户时给你的。Payee 是你自己的名字。在支票寄出的第四个business day， 我收到了ING 的email, 说他们已经把$13 credit to my account. 上网一查， 真的，这$13当时就可以用了，我的$100支票is on hold for 7days. 而且他们已经把我pc的账户（我的支票是PC的）和ING的连接起来了。我当时就做了一个transfer $10 from ING to PC. 过了两天一看，他们也没有受任何费用。之后我就在ING my account 做transfer, 你可以transfer from your other financial institute to ING ISA, 也可以直接在ING 开设其他的新账户如TFSA,GIC, 然后选择transfer directly money from your other financial institute（你寄的支票银行） to 这些新的ING账户(GIC)。如果你不太喜欢自己在网上操作，你可以直接打电话给ING customer service, 他们会帮你建立新的账户，转入和转出资金。

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

PC 客服的印度人还是少。我觉得PC financial很好用，免费支票，没有限制的交易。强烈推荐给新移民。
不过我提醒那些同时有CIBC 和PC 账户的朋友，这两个银行的存款合计低于$100,000的才受CDIC的保证。因为他们是一家。详情请上CIBC查询。

 

[djb]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

更新ING direct bank account 优势。
1．现在ING 的GIC
Current Interest Rate
1 Year 3.60%
1 Year 4.00%
2 Year 4.25%
3 Year 4.50%
4 Year 4.50%
5 Year 4.50%

2。ISA可以拿到$13 bonus和3%的利率, ATM card 可以用于取现金。
3。TFSA的benifit是double interest before Dec 31 利率6%。
4。no service fee, no minimun, no withdrawal limits.
5。transfer your ING RRSP, TFSA account to other banks, no service fees.
6。CDIC insurance guarantee $100,000 for ISA, GIC's, the Business ISA, and RSP accounts
7。如果你网上银行的密码被别人盗用，他们是100% 补偿你的损失。

My referral Orange Key is 17459887S1 . Enter this key on your Enrollment Form to get your $13 Bonus.


开户程序：
你可以先开一个investment saving account( ISA), 得到$13. 我不喜欢寄支票，因为我不信任canada post. 第一次一个网友给了他的推荐号，我寄了一张支票金额是$100, 在支票的memo 上写上我的客户号，这个号是你在网上填表开户时给你的。Payee 是你自己的名字。在支票寄出的第四个business day， 我收到了ING 的email, 说他们已经把$13 credit to my account. 上网一查， 真的，这$13当时就可以用了，我的$100支票is on hold for 7days. 而且他们已经把我pc的账户（我的支票是PC的）和ING的连接起来了。我当时就做了一个transfer $10 from ING to PC. 过了两天一看，他们也没有受任何费用。之后我就在ING my account 做transfer, 你可以transfer from your other financial institute to ING ISA, 也可以直接在ING 开设其他的新账户如TFSA,GIC, 然后选择transfer directly money from your other financial institute（你寄的支票银行） to 这些新的ING账户(GIC)。如果你不太喜欢自己在网上操作，你可以直接打电话给ING customer service, 他们会帮你建立新的账户，转入和转出资金。

[FONT=宋体]请问[/FONT]7474[FONT=宋体]，[/FONT]ING[FONT=宋体]是和哪个银行合办的。有多少年了，可靠吗，属于投资银行还是商业银行？和[/FONT]PC [FONT=宋体]是一类银行吗？[/FONT]PC [FONT=宋体]和[/FONT]ING[FONT=宋体]与[/FONT]CIBC[FONT=宋体]是什么关系？在哪有咨询处和取款机（我住[/FONT]mississauga[FONT=宋体]），所申请的[/FONT]debit card [FONT=宋体]和[/FONT]master card [FONT=宋体]是在所有的地方都可以消费吗？有什么消费或积分优惠吗？[/FONT]
[FONT=宋体]另外，你说[/FONT]CIBC[FONT=宋体]和[/FONT]PC[FONT=宋体]存款合计低于[/FONT]$100,000[FONT=宋体]的才受[/FONT]CDIC[FONT=宋体]的保证，[/FONT] [FONT=宋体]那[/FONT]ING[FONT=宋体]就没有此限制，多少都可以受到保证吗？[/FONT]

[FONT=宋体]还有，我听说[/FONT]TFSA
[FONT=宋体]是[/FONT]09[FONT=宋体]年的计划，为何现在就在[/FONT]ING[FONT=宋体]有了。[/FONT]Interest rate double [FONT=宋体]是指从现在到年底[/FONT]double, [FONT=宋体]以后再存的就不[/FONT]double [FONT=宋体]了吗？[/FONT]

[FONT=宋体]本人对此一窍不通，请[/FONT]7474[FONT=宋体]一一解答，在此先谢过了。[/FONT]

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

ING 是一个荷兰银行。
history：
The first ING DIRECT in the world was launched right here in Canada. In every sense of the word this global brand is truly a Canadian success story. Why did we launch here in Canada? For excellent reasons. First, in 1997 Canadians had no real choice in banking. Sure there were five big banks, but no real choice. Before we opened our virtual doors, one bank's savings account looked pretty much like another. And they all performed about the same too. All offered low interest (unless you could meet demanding minimums) and came loaded with service charges.
Some choice.

We knew we could give Canadians real choice in banking, and a much needed break from fees, service charges, and low interest.

We opened for business in April 1997 with a television commercial that humbly announced "We are new here". Canadians immediately responded by saying "We're glad you're here". It was very gratifying. The spark that ignited in Canada became an orange flame, and ING DIRECT quickly moved beyond our borders. Clearly, a good idea travels fast.

ING DIRECT Spain and Australia opened in 1999, followed by France and the United States in 2000, Italy and Germany in 2001, the UK in 2003, and Austria in 2004.

Canada became the first profitable ING DIRECT in 2001, and that continues today. As of 2007 ING DIRECT Canada has over 1.5 million Clients, employs over 900 people and has over $23 billion in assets. We are growing at a tremendous rate. But even more important than our own success is the fact that we have paid over $3 billion in interest to our Clients while collecting exactly $0 in fees and service charges.

Choice is good.

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

属于投资银行还是商业银行？
ING DIRECT is not like any other bank. In fact, as you've probably noticed we don't even use the word bank in our name. That's because from day one, we knew we could be something different something better.
ING DIRECT is a safe, simple way to save and borrow that gives you real choice. We have no branches. Instead, we take the money we save and use it to pay you higher interest on your savings and investments. And we save you interest on the money you borrow. You can bank with us over the phone, the Internet, or by Automatic Bank Machine (ABM).
ING 主要是提供saving account和mortgage, 没有chequing account. 他和CIBC,PC 没有什么关系。

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

在哪有咨询处和取款机（我住mississauga），
Want to speak with a real, live person? Visit us or use the ING DIRECT bank machine at our Toronto Café on the ground floor of our North York, Ontario office at 111 Gordon Baker Road.
Address
111 Gordon Baker Road
North York, Ontario
M2H 3R1

Hours of operation
Monday-Friday: 8am-5pm
Saturday: 10am-3pm
Sundays and Holidays: Closed

所申请的debit card 和master card 是在所有的地方都可以消费吗？
它不提供信用卡。
Debit card是ATM现金提款卡。
You can use your card at any ING DIRECT Automated Bank Machines (ABMs). We'll never charge you a fee. Locations are listed below.
You can also access your money at any bank machine in Canada that displays the Interac logo. Unfortunately, you should know that banks and bank machine owners may charge you what they call a convenience fee. Seems our war on fees hasn't persuaded everybody yet. But we're working on it.

ABM locator
111 Gordon Baker Rd, Toronto
(404 & Finch)


181 University Avenue, Toronto
(on the north east corner of Adelaide and University Avenue)


The Toronto Zoo, Toronto
(north of HWY 401 and Meadowvale Road)


3389 Steeles Avenue East, Toronto
(at the corner of Steeles Ave E and Victoria Park Ave)


1400 St-Laurent Blvd, Ottawa
(behind the St-Laurent Shopping Centre)

1118 Ste-Catherine Street O., Montréal
(between Peel and Stanley)

1141 boul. de Maisonneuve O., Montréal
(between Peel and Stanley)

600 6th Avenue SW, Calgary
(on the corner of 5th St and 6th Ave)

311, 321-6th Avenue SW, Energy Plaza, Calgary
(on the corner of 6th Ave and 2nd St)

466 Howe Street, Vancouver
(on the north side at the corner of Pender Street)
Not by any of our ING DIRECT locations? No problem! Use your ING DIRECT Card at any Interac connected bank machine and we'll pay your ABM Operator fees up to four transactions every month. That's 47,000 Interac connected bank machines in Canada, at your service.
每月前四笔取现，你在其他的ATM取款，他们会帮你付手续费。

有什么消费或积分优惠吗？
不能消费，也谈不上积分。

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

那ING就没有此限制，多少都可以受到保证吗？
Single account registrations are eligible for CDIC insurance up to $100,000. Joint accounts are also covered for up to $100,000。
http://www.ingdirect.ca/en/aboutus/whoweare/cdic/index.html
因为PC和CIBC是一家，所以在这两个银行存款算一个。请不要和ING混淆。如果大家存款比较多，不要在一家银行开户，最好存到不同的银行，来分散风险。

TFSA是09年的计划，为何现在就在ING有了。Interest rate double 是指从现在到年底double, 以后再存的就不double 了吗？
这个promotion. 现在开一个名义的tax saving account, 他们给你double 利率。2009年一月一日以后，你帐上的钱财转到你真正的tax saving account. 之后你可以投资GIC, bond, mutual fund 都可以。下面的连接是ING 自己怎么说，为什么给你double interest
http://www.ingdirect.ca/en/save-invest/tfsa/index.html

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

请看西人是如何评价ING。
http://www.redflagdeals.com/forums/showthread.php?t=644036&highlight=ing+direct
关于ING TFSA 请看下面的讨论
http://www.redflagdeals.com/forums/showthread.php?t=644365&highlight=ing+direct
现在我想要他6%的利率，2009年，我准备把这些钱转成GIC, 因为我觉得ING 的利率还不错，而且服务好，操作方便。有是欧洲银行，所以我才选择了他。加拿大银行服务和英国银行差远了。什么都要钱。

 

[djb]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

谢谢7474的解答.我还有两事不解:"ING 主要是提供saving account和mortgage, 没有chequing account".如果没有chequing account,如何和其他银行进行转帐.
另外，“所以我的建议时如果你有RRSP contribution room, 你的税率比较高，你又有存款，最好先买RRSP。RRSP 账户你也可以用于投资GIC(定期存款)，mutual fund and so on. 强烈推荐收入高的配偶给没有收入或收入低的配偶买spouse RRSP. 三年以后你的配偶可以从这个RRSP中取钱，作为他的收入。如果你的税率是22+9=31%， 你配偶收入+RRSP低于37000，他的税率就是15+6=21%。”这个公式是什么意思，不解？

 

[atongmu]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

多谢lz详细的解释！

 

[moon&sun]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

我的REFERRAL ORANGE KEY IS: 14218556S1
还有效。
进入下面的网站开户：
http://www.ingdirect.ca/en/save-invest/savingsaccounts/index.html

 

[7474]

回复: 现在就可以开tax free saving account, ING offer 6% interest by Dec 31

当你开户寄出一张支票给ING, ING 在收到以后会把你支票账号和你的ing做连接，这样你在ING my account 里选择move my money, 你可以看到你的开户行和你在ing 的账号。就想你在其他银行做transfer 一样，你也可以给客服打电话让他们帮你转。一般两天就能到你的chequing account.

My referral Orange Key is 17459887S1 . Enter this key on your Enrollment Form to get your $13 Bonus.


开户程序：
你可以先开一个investment saving account( ISA), 得到$13. 我不喜欢寄支票，因为我不信任canada post. 第一次一个网友给了他的推荐号，我寄了一张支票金额是$100, 在支票的memo 上写上我的客户号，这个号是你在网上填表开户时给你的。Payee 是你自己的名字。在支票寄出的第四个business day， 我收到了ING 的email, 说他们已经把$13 credit to my account. 上网一查， 真的，这$13当时就可以用了，我的$100支票is on hold for 7days. 而且他们已经把我pc的账户（我的支票是PC的）和ING的连接起来了。我当时就做了一个transfer $10 from ING to PC. 过了两天一看，他们也没有受任何费用。之后我就在ING my account 做transfer, 你可以transfer from your other financial institute to ING ISA, 也可以直接在ING 开设其他的新账户如TFSA,GIC, 然后选择transfer directly money from your other financial institute（你寄的支票银行） to 这些新的ING账户(GIC)。如果你不太喜欢自己在网上操作，你可以直接打电话给ING customer service, 他们会帮你建立新的账户，转入和转出资金。