请教金融危机的对策

[dkwan]

bank accounts are protected by FDIC up to 100,000(please verify), so even the bank went bankrupted, you can still get back the money.
Some GICs are also protected by FDIC, check each bank for sure which GIC is insured.

 

[luaming]

哈。中国的四大国有还真不能破产，要不就动荡了。
可以拿出一半来买国内的房子，买一套位置比较好的，让家里的人照看着出租也可以，升值很快的。

 

[Pino colada]

Tax Saving Account is available in most banks now(not tax free for Dec). CIBC pays 5% interest. It is a good deal. I do not know the offers of other banks.

Could you be more specific on the 5% interest? The following is a link on CIBC interest in that I cannot identify the "5%".
CIBC - Rates

 

[Duke of Whales]

每还MORTGAGE一块钱, 等于你赚了6.65%的利率. 现在的市面上, 比这还高的回报率的投资很少.

 

[lifeisfun]

另外,不知现在钱存在加拿大的银行安全吗? 老人家老担心经济危机引发的银行破产.

Saving deposit (saving account and GIC) in Canada banks are insured by CDIC for up to 100,000.

Canada Deposit Insurance Corporation

 

[cfcact2008]

eg. if your kids has been in Canada for 3 years, and you have never buy RESP. then you can get 3 years grants from goverment now.

Are you sure about this?
If I have lot room to the $50,000 limit and buy $30,000 this year, can I get $30,000*20%=$6,000 of grant this year?

 

[ccc]

Are you sure about this?
If I have lot room to the $50,000 limit and buy $30,000 this year, can I get $30,000*20%=$6,000 of grant this year?

1) Yes, you could buy the RESP for your kid for the past three years.

2) No. See the thread of your other posting: http://bbs.comefromchina.com/forum5/thread653044.html

 

[ccc]

我手上有$100,000.00 请问我是付morgatge呢? 还是用来购买小孩教育基金, 或者养老基金(RSP)? 还是投资别的股票,基金等?
我的mogtgage $150,000.00,6.65%, 明年11月到期. 我从来没有买过小孩教育基金或者养老基金(RSP).
另外, 我的mortgage有什么别的好办法转到别的银行?
谢谢!

简单的办法，尽量往房子上投，6.65%的利率，不低了。如果明年到期，有足够的资金，一次付清，可以节省一大笔利息。

再有钱的话，买RRSP（如果工资收入较高，税率高，肯定买，暂时转移所得税）或RESP（政府最多补贴每个孩子$7,200 - http://bbs.comefromchina.com/forum5/thread653044.html).