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我估计前几年的楼花预定在今年下半年和明年上半年要交付的,会出现不少交付不了而违约的
千哥,你再看环球邮报有关温哥华的这篇文章,也许对你的生意多少都会受到点影响:
British Columbia lost more jobs in the past two months than many analysts expected because its economy is more heavily weighted toward tourism and personal-care services than elsewhere in Canada.

About 400,000 jobs of the total three million jobs lost in Canada during March and April because of the COVID-19 pandemic were in B.C., which is about the same as the province’s share of the population.

But B.C. had far less of its economy shut down than provinces such as Ontario and Quebec, where there were more restrictive rules about construction, manufacturing and non-essential businesses.

Because of that, many expected less of a downturn.

“We’ve gotten pounded on the job losses. Even we are surprised at the magnitude,” said Jock Finlayson, executive vice-president and chief policy officer of the Business Council of B.C. “Tourism is in the meat grinder and it’s one our top-three export industries.”

And, he said, B.C. has more people proportionally working in personal-care services – such as massage therapy, physiotherapy, spas, yoga studios, nail salons – than elsewhere in Canada, while its manufacturing, financial services and head-office-type sectors are smaller than in Ontario and Quebec.

That job-loss trend also showed up in specialized research the city of Vancouver had done, which Mayor Kennedy Stewart relayed Thursday.

Data compiled by the Vancouver Economic Commission and the mayor’s office showed 90,000 jobs – many in tourism, hotels and restaurants, as well as health and social services – disappeared in April as 13,400 businesses in the city of Vancouver shut down because of the pandemic.

That is all going to make it harder for the province and the city to rebound economically because the tourism and personal-service sectors will be slower to return to normal than many others. Vancouver’s research, which asked people what kinds of businesses they’d feel comfortable going back to under what conditions, showed that fewer than 30 per cent said they were willing to go into a restaurant or bar at the moment. That rose to almost 65 per cent if there were reassurances about enhanced safety and cleaning measures.

But that won’t even be an option for non-Canadians for a while, as borders remain closed.

International tourism accounts for between $6.5-billion and $7-billion in annual revenues for the province, said Mr. Finlayson. It’s eclipsed only by forest products and the energy/mining sector in terms of money generators in B.C.

“For international tourism, there’s not a date set for the resumption. This is not going to be a short-term thing,” Mr. Finlayson noted.

The long-term decline in international travel is something that was reinforced Monday, when the Vancouver Airport Authority announced it would permanently lay off a quarter of its 550 employees because it doesn’t see a return soon to previous travel numbers.

“Our current work force is sized to operate a 26-million-passenger airport and that is simply no longer sustainable,” said the authority’s statement. It said future volumes would more likely be in the eight-million to 15-million range for at least the next three years.

The loss of tourism is expected to have a far-ranging impact because of its dominance in the province. Many remote B.C. communities rely on tourism revenue from ski resorts, fishing camps or adventure experiences with kayaks, rafts or canoes.

In Vancouver, Richmond, and North Vancouver, international tourism supports an unusually large cluster of luxury retail and high-end restaurants.

Richmond was hard-hit by the downturn early, as its large Chinese population stopped going to malls and restaurants starting in January, while fewer family members and friends came over from China to celebrate the Lunar New Year.


“It set us on a trajectory that was frankly devastating,” said Nancy Small, the CEO of Tourism Richmond. She estimated tourism spending in the suburb was about $2-billion last year based on counts in previous years.

In Vancouver, tourism planners are also stunned at the job-loss numbers and what is facing their industry, especially after the warning from Dr. Bonnie Henry, B.C.’s Provincial Health Officer, that large events likely would not resume until after a vaccine for COVID-19 is developed.

About 70,000 jobs in Vancouver alone are related to the tourism sector, said Ted Lee, the acting president of Tourism Vancouver. They have relied on 11 million overnight visitors a year, with three million of them being Americans – a group that is now not allowed across the border.

The industry, which has formed a Metro Vancouver task force to figure out what to do, is still struggling to figure out the path out of the forest. But there have been some preliminary ideas about first steps.

One is to encourage hyperlocal tourism of the “be a tourist in your own city" kind.

“We are looking at all kinds of possible campaigns,” Mr. Lee said.

 

soleil_lee-太阳李

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网上银行优惠利率一直挺高。去年最先钱存manulife,活期利率3%,之后转simplii,原利率加上额外的优惠利率居然高达3.3%。现在钱存tangerine的saving,给的利率是2.8,时间是4月初到8月31号结束。所以活期年均利率差不多有3%哦。 :wdb1::wdb6:
你好精明

:cool:
 

soleil_lee-太阳李

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没办法,到加拿大十几年就没出去挣过一分钱,只有挖空心思靠倒腾银行挣每月几百利息钱了 :eek: :D
8月31日那天可以把钱从Saving全部转到chequing中去。然后到9/5日左右Tangerine会有新的promotional saving rates.
因为这个优惠利率一般只针对new deposited savings,所以已经存在里面的无效,必须8月底拿到支票账户去。
 

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8月31日那天可以把钱从Saving全部转到chequing中去。然后到9/5日左右Tangerine会有新的promotional saving rates.
因为这个优惠利率一般只针对new deposited savings,所以已经存在里面的无效,必须8月底拿到支票账户去。
谢谢提醒,不过我家有三个tangerine账户,所以我从没把钱从saving转到chequing再转回来做得那么显眼,一般是把钱转回到BMO联名账户,再转到另一个tangerine账户去。 :wdb4: :wdb6:
 

哈法

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网上银行优惠利率一直挺高。去年最先钱存manulife,活期利率3%,之后转simplii,原利率加上额外的优惠利率居然高达3.3%。现在钱存tangerine的saving,给的利率是2.8,时间是4月初到8月31号结束。所以活期年均利率差不多有3%哦。 :wdb1::wdb6:
我昨天在BMO Investorline 网上看到有加拿大福特信贷公司(Ford Canada Credit)的公司债券的利息是高达6以上%!不过我没详细看到期日,当时的债券价格是低于债券面值的100元,好像是98元左右。如果是这个价格买入的话,到期日福特以债券面值的100元赎回,有2%的Capital Gain, 再加上6%的利息,一共有8%的回报。当然前提是加拿大福特信贷公司没有破产!
 

soleil_lee-太阳李

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我昨天在BMO Investorline 网上看到有加拿大福特信贷公司(Ford Canada Credit)的公司债券的利息是高达6以上%!不过我没详细看到期日,当时的债券价格是低于债券面值的100元,好像是98元左右。如果是这个价格买入的话,到期日福特以债券面值的100元赎回,有2%的Capital Gain, 再加上6%的利息,一共有8%的回报。当然前提是加拿大福特信贷公司没有破产!
企业债有风险,自从2018年买债爆了以后现在我不太敢碰了。
 

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我昨天在BMO Investorline 网上看到有加拿大福特信贷公司(Ford Canada Credit)的公司债券的利息是高达6以上%!不过我没详细看到期日,当时的债券价格是低于债券面值的100元,好像是98元左右。如果是这个价格买入的话,到期日福特以债券面值的100元赎回,有2%的Capital Gain, 再加上6%的利息,一共有8%的回报。当然前提是加拿大福特信贷公司没有破产!
这利率看起来相当诱人,但我在中行的评级是稳健投资者,所以担惊受怕的事我一般不做。每年买足的配偶rrsp也都是做的GIC,只是为了减少net income而已,resp也一样,没大追求 :D
 

徽州女人

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那也得有本金的厚度
是,钱太少也犯不着转来转去了。我是没房贷也不想投资就这么存着了,现金为王 :wdb1: :wdb6:
在一个账户中转来转去好像不算new deposit
我觉得也是,所以要转就索性跨行跨账户:eek::D
 

soleil_lee-太阳李

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在一个账户中转来转去好像不算new deposit
支票账户转到存款账户算new deposit
同一个人的存款账户之间互相转不算。

不同用户的账户不一定全都能收到当期的存款优惠利率。另外,如果你转过去的账户本来也有存款,这笔已经存在的存款是享受不了新利率的。
而且从Tangerine转钱到其他银行账户中间可能会有时间差,需要一个以上工作日才能完成,需要提前准备;而存款账户到支票账户即时就可以完成。
总之,钱还是要在到期前从Tangerine的存款账户转出去,才能算new deposit. 至于是同名还是不同名的,区别不大。
 
最后编辑: 11 天前

家园小千

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千哥,你再看环球邮报有关温哥华的这篇文章,也许对你的生意多少都会受到点影响:
British Columbia lost more jobs in the past two months than many analysts expected because its economy is more heavily weighted toward tourism and personal-care services than elsewhere in Canada.

About 400,000 jobs of the total three million jobs lost in Canada during March and April because of the COVID-19 pandemic were in B.C., which is about the same as the province’s share of the population.

But B.C. had far less of its economy shut down than provinces such as Ontario and Quebec, where there were more restrictive rules about construction, manufacturing and non-essential businesses.

Because of that, many expected less of a downturn.

“We’ve gotten pounded on the job losses. Even we are surprised at the magnitude,” said Jock Finlayson, executive vice-president and chief policy officer of the Business Council of B.C. “Tourism is in the meat grinder and it’s one our top-three export industries.”

And, he said, B.C. has more people proportionally working in personal-care services – such as massage therapy, physiotherapy, spas, yoga studios, nail salons – than elsewhere in Canada, while its manufacturing, financial services and head-office-type sectors are smaller than in Ontario and Quebec.

That job-loss trend also showed up in specialized research the city of Vancouver had done, which Mayor Kennedy Stewart relayed Thursday.

Data compiled by the Vancouver Economic Commission and the mayor’s office showed 90,000 jobs – many in tourism, hotels and restaurants, as well as health and social services – disappeared in April as 13,400 businesses in the city of Vancouver shut down because of the pandemic.

That is all going to make it harder for the province and the city to rebound economically because the tourism and personal-service sectors will be slower to return to normal than many others. Vancouver’s research, which asked people what kinds of businesses they’d feel comfortable going back to under what conditions, showed that fewer than 30 per cent said they were willing to go into a restaurant or bar at the moment. That rose to almost 65 per cent if there were reassurances about enhanced safety and cleaning measures.

But that won’t even be an option for non-Canadians for a while, as borders remain closed.

International tourism accounts for between $6.5-billion and $7-billion in annual revenues for the province, said Mr. Finlayson. It’s eclipsed only by forest products and the energy/mining sector in terms of money generators in B.C.

“For international tourism, there’s not a date set for the resumption. This is not going to be a short-term thing,” Mr. Finlayson noted.

The long-term decline in international travel is something that was reinforced Monday, when the Vancouver Airport Authority announced it would permanently lay off a quarter of its 550 employees because it doesn’t see a return soon to previous travel numbers.

“Our current work force is sized to operate a 26-million-passenger airport and that is simply no longer sustainable,” said the authority’s statement. It said future volumes would more likely be in the eight-million to 15-million range for at least the next three years.

The loss of tourism is expected to have a far-ranging impact because of its dominance in the province. Many remote B.C. communities rely on tourism revenue from ski resorts, fishing camps or adventure experiences with kayaks, rafts or canoes.

In Vancouver, Richmond, and North Vancouver, international tourism supports an unusually large cluster of luxury retail and high-end restaurants.

Richmond was hard-hit by the downturn early, as its large Chinese population stopped going to malls and restaurants starting in January, while fewer family members and friends came over from China to celebrate the Lunar New Year.

“It set us on a trajectory that was frankly devastating,” said Nancy Small, the CEO of Tourism Richmond. She estimated tourism spending in the suburb was about $2-billion last year based on counts in previous years.

In Vancouver, tourism planners are also stunned at the job-loss numbers and what is facing their industry, especially after the warning from Dr. Bonnie Henry, B.C.’s Provincial Health Officer, that large events likely would not resume until after a vaccine for COVID-19 is developed.

About 70,000 jobs in Vancouver alone are related to the tourism sector, said Ted Lee, the acting president of Tourism Vancouver. They have relied on 11 million overnight visitors a year, with three million of them being Americans – a group that is now not allowed across the border.

The industry, which has formed a Metro Vancouver task force to figure out what to do, is still struggling to figure out the path out of the forest. But there have been some preliminary ideas about first steps.

One is to encourage hyperlocal tourism of the “be a tourist in your own city" kind.

“We are looking at all kinds of possible campaigns,” Mr. Lee said.

BC经济受打击程度比较大,制造业比重低,旅游教育会受到打击,另外全世界通用的奢侈品牌会受到重创,咱这种小型秘接当地人生活的零售业还应该不会很差,不过到5月底基本不抱希望,希望6月之后会逐步恢复.
 

阳光沙滩

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网上银行优惠利率一直挺高。去年最先钱存manulife,活期利率3%,之后转simplii,原利率加上额外的优惠利率居然高达3.3%。现在钱存tangerine的saving,给的利率是2.8,时间是4月初到8月31号结束。所以活期年均利率差不多有3%哦。 :wdb1::wdb6:
我终于把钱存进去了,不知道咱们有木有奖励:love:
可能是因为我注册的早,虽然身份认证晚但给我的优惠利率是2.5%,到10月11号。现在再新注册新开户不用去邮局认证身份了,可能是因为新冠,而且给的优惠利率是2.8%o_O
 

阳光沙滩

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8月31日那天可以把钱从Saving全部转到chequing中去。然后到9/5日左右Tangerine会有新的promotional saving rates.
因为这个优惠利率一般只针对new deposited savings,所以已经存在里面的无效,必须8月底拿到支票账户去。
这样就可以?那太省事了。谢谢信息:wdb19:
谢谢提醒,不过我家有三个tangerine账户,所以我从没把钱从saving转到chequing再转回来做得那么显眼,一般是把钱转回到BMO联名账户,再转到另一个tangerine账户去。 :wdb4: :wdb6:
这意思是说只要是新存进去钱就可以了?这也是一个法,不过太阳李的法子更省事,可以学起来:love:
 

阳光沙滩

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支票账户转到存款账户算new deposit
同一个人的存款账户之间互相转不算。

不同用户的账户不一定全都能收到当期的存款优惠利率。另外,如果你转过去的账户本来也有存款,这笔已经存在的存款是享受不了新利率的。
而且从Tangerine转钱到其他银行账户中间可能会有时间差,需要一个以上工作日才能完成,需要提前准备;而存款账户到支票账户即时就可以完成。
总之,钱还是要在到期前从Tangerine的存款账户转出去,才能算new deposit. 至于是同名还是不同名的,区别不大。
我都没开支票账户,看来也得开一个备着:giggle:

是不是到期后转,为啥到期前转?:unsure:
 

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我终于把钱存进去了,不知道咱们有木有奖励:love:
可能是因为我注册的早,虽然身份认证晚但给我的优惠利率是2.5%,到10月11号。现在再新注册新开户不用去邮局认证身份了,可能是因为新冠,而且给的优惠利率是2.8%o_O
这样就可以?那太省事了。谢谢信息:wdb19:

这意思是说只要是新存进去钱就可以了?这也是一个法,不过太阳李的法子更省事,可以学起来:love:
我都没开支票账户,看来也得开一个备着:giggle:

是不是到期后转,为啥到期前转?:unsure:
你终于搞定了呀?其实tangerine的账户用起来是很方便的,我现在都庆幸当初听了朋友的话开了这个账户。李同学的做法我没有试过,因为我不确定那样到底能不能算是新存入的钱,给不给优惠的利率,所以还是稍微麻烦一点算了。不过也就是在手机上动动手指而已,还好。
这些银行给的优惠利率一般都是给三四个月到半年的时间,然后会再给新的优惠利率,而且是随机给的,并不是每个账户都会有,所以一个家庭多开几个户头,总有一个会得到最新优惠利率。 :wdb1: :wdb1:为了享受到以后再给的优惠利率必须要把钱先转出来,因为给优惠的利率都是算给你的new deposit。原本就在账户里的老存款,享受不到优惠利率。
你存钱进去了吗?我刚查了一下,好像还没拿到推荐的奖金:D1CC9E74A-157C-4194-9BE9-D7BE8BFF9068.jpeg
 

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请问哪个银行?
我现在存的是tangerine,如果你没有可以开一个,现在saving的利率是2.8%,包括美元的saving,很不容易了。之前我的一万多美元存在BMO,几年才得了几毛钱利息,转到tangerine好歹拿了两三百美刀利息了。第一次开可以用我的推荐码,之后给家人开可以用你自己的推荐码,我刚看了一下,如果用我的,我俩可以分别得50加币奖励。聊胜于无😱 :D A3ED965E-486C-45F7-809B-8A4292A23A7B.jpegE1774691-CCA0-48D4-B9AD-6680DEC2BE3D.jpeg94535234-9E76-4209-8089-F19F1E6AC7F9.jpeg
 

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你终于搞定了呀?其实tangerine的账户用起来是很方便的,我现在都庆幸当初听了朋友的话开了这个账户。李同学的做法我没有试过,因为我不确定那样到底能不能算是新存入的钱,给不给优惠的利率,所以还是稍微麻烦一点算了。不过也就是在手机上动动手指而已,还好。
这些银行给的优惠利率一般都是给三四个月到半年的时间,然后会再给新的优惠利率,而且是随机给的,并不是每个账户都会有,所以一个家庭多开几个户头,总有一个会得到最新优惠利率。 :wdb1: :wdb1:为了享受到以后再给的优惠利率必须要把钱先转出来,因为给优惠的利率都是算给你的new deposit。原本就在账户里的老存款,享受不到优惠利率。
你存钱进去了吗?我刚查了一下,好像还没拿到推荐的奖金:D
存进去了,昨天存的,今天已经在账户里了 :wdb6:
不知道那个奖金有木有啥时候有,50刀?我木有看到哪里有写这个,可能没那么快吧:love:
你前边说的另外两个银行也可以网上注册的吗?
 

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