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枫下家园 / 理财投资税务 / 现在还比较让偶糊涂的是银行账户。chequing account和saving account有什么不同？大家一般都是开前者吗？感觉国内的大多是saving account，而加拿大TDbank的saving account要求的balance比chequing account多很多，否则就要收monthly fee.
各种银行服务也是收费的多，不留神就花冤枉钱了。
个人支票也没签过，也是需要捉摸的问题，开错了总是不好。
虽然没有多少钱，还是想找个理财顾问咨询一下，不知道有没有针对新移民的金融咨询服务?
-aabb(爱吃水草的鱼);
2001-2-21
{312}
(#27711@0)
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你到银行开新户的时候没有一位银行职员专门为你服务吗？你所有的这些问题都可以由他来解答。如果没有，你现在去你的银行要求解答疑问也一定会有满意的答复的。银行里有一批人专门就是干这事的。
-lindar(morning);
2001-2-21
(#27712@0)
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对!问你的银行最保险! 简单的说,前者不必考虑挣什么利息,主要是应付大量的日常支出,因为后者取钱有限制,而且每笔的服务费也高.一般开前者的多.你每个月总的买菜,付帐什么干个10次左右吧?
-luoboyang(萝卜秧);
2001-2-21
(#27746@0)
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偶看过详细介绍，感觉非常复杂，即使翻译成中文偶都觉得困难，这是偶平时太不重视金融理财的缘故~~开户那天是和一位白人老太太过招的，弄明白了基本问题，现在看好像并没有做错，呵呵。不过今后还有税务，保险，退休计划，或者股票，加拿大是不是人人都是半个会计？
-aabb(爱吃水草的鱼);
2001-2-22
(#27942@0)
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If you have certain amount of money and want to make interest, open a savings account. If your balance isn't so high and have many bills to pay (especially using cheques), then open a cheque account.
-guest:nobody;
2001-2-21
(#27732@0)
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checking account 可以开支票, saving account 不可以
-unix(Unix);
2001-2-21
(#27758@0)
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As my experience, you'd better open a chequing account for your daily expense, and open a Mutual Fund account and put all your other money in that account. Mutual fund can be load or non-load (this means, you could take them out at any time you want).For TD, if you transfer your US dollar from your US Mutual Fund to Canadian Mutual Fund, they are exchanged at (about) the middle price. This is a great benefit. Also, your mutual fund accout could be registered as RRSP. You are not locked in with it, so it's your choice to participate in the Home Buyer's Plan.
-bloor(bloor);
2001-2-22
{318}
(#27943@0)
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TD Bank also has a hot line in madarin 1-800-387-2828. They will answer any question you have with your account. BTW, TD is the best in online banking (according to quicken.ca.)
-bloor(bloor);
2001-2-22
(#27944@0)