iMP

谢谢 e同学分享信息！ING 银行长期有转介计划 (Referral Program)，如果介绍新客户，双方各得一些钱（奖励）。如果其他同学有兴趣，请直接联系 e同学(send Private Message)，或另外开帖子问。

CALLING CARD 预付电话卡没有莫名其妙乱扣钱，51楼已经写了扣钱方法。但是有点乱计分钟，例如：用5分钟扣除6或7分钟的钱，用15分钟扣16至20分钟的钱。但是，因为一分钟只收0.5分($0.005)，无所谓！我们主要打电话到欧洲，其他公司收费比较多，不少公司也乱计分钟。测试了很多次不同的公司，在我们来说（+我们的使用量），还是 Calling Card 最好。另外，我们还在用 PC 预付电话卡，在公共电话亭打本地电话仍然是5分钱一分钟，没有50分的公共电话亭费用。
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电视免费频道62台 - 周六电影和普通话新闻 @ http://www.sinoquebec.com/bbs/showthread.php?937836
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廉价可靠的牙齿清洗（但很花时间）:
1. College de Maisonneuve 514-787-1702 (下面37楼写的), http://www.cmaisonneuve.qc.ca, 自己网站里找 "Soins dentaires" 链接。现在成人是40刀。
2.  John Abbott College 514-457-5010 比较便宜，http://www.johnabbott.qc.ca ，自己网站里找 "Dental Hygiene" 或 "Dental Clinic" 的链接。
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MP Fusion (23) - Hungarian Goulash (匈牙利国菜) 和 Chicken Cacciatore (意大利名菜) @ http://www.sinoquebec.com/bbs/showthread.php?939016
MP Fusion (22) - Lancashire Hotpot (英国的羊肉土豆锅, ，没火的) @ http://www.sinoquebec.com/bbs/showthread.php?937269
MP Fusion (21) - Sauerbraten (德国传统国菜 - 醋烩牛肉) @ http://www.sinoquebec.com/bbs/showthread.php?937042

iMP

S.A.D. = Seasonal Affective Disorder = 冬季优郁症

又到时间啦！  我，我，我 。 。 。 。为什么放这里 。 。 。 。可能我也病了！

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政府报税义工（英文/法文） @ http://www.sinoquebec.com/bbs/showthread.php?943192

iMP

有一位非专业但可靠的朋友 说愿意有偿提供50岁以上报税服务。有兴趣的同学可以站内 PM 联系。
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政府给低收入的住房/补贴 分多种类型，我也不清楚。好像是 Social Housing/COOP/OBNL 只收取25％的收入作为租金。Shelter Allowance/Allocation-logement/住房补贴计划 是不同的补贴，为低收入家庭提供额外的财政援助，好像需要单独申请。住房补贴计划的目的对像是[color="red"]低收入业主，租户，住客或合租者。财政援助最高可达到每月80刀。低收入定义请参阅 http://www.habitation.gouv.qc.ca ... ation_logement.html 内的表。近期的更改：
- 你有小于50,000元的物品或现金（不包括房子/土地/家具/车的价值）。
- 1/10/2012 53岁可以申请，1/10/2013 52岁可以申请，1/10/2014 51岁可以申请，1/10/2015 50岁可以申请。

网站好像不提供补贴计算方法，刚刚"借到"一个副本，就在这里写写。[color="red"]请不要问我问题，我知道的 全在这里写了。计算方法：
1.  LOYER ADMISSIBLE
Loyer annuel . . . . . . . . . . . . . . . . . . . . .  [color="red"](A) $7,000

2.  PARTIE DU REVENU PRISE EN COMPT DANS LE CALCUL
Revenu de votre menage en 2011 . . . . . . . . . . $13,000
Taux applicable . . . . . . . . . . . . . . . . . . . . . .      x    30%
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [color="red"](B)=$3,900

3.  CALCUL DE L'ALLOCATION-LOGEMENT
Montant [color="red"]A (maximum: $5,136) . . . . . . . . . . . . $5,136（不知道这个数字从何而来，也不知道这户人数）
Montant [color="red"]B . . . . . . . . . . . . . . . . . . . . . . . . . . $3,900
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  .  =$1,236
Taux d'aide . . . . . . . . . . . . . . . . . . . . . . . . . x    66.67%
. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . [color="red"](C)=$824.04

Montant [color="red"]C ($824.04) divise par 12 . . . . . . . . . . . $68.67（每月）

Allocation-logement determinee pour la periode de l'annee de reference durant laquelle vous etes admissible au programme (du 1er octobre 2012 au 30 septembre 2013) = $68.67

Post by montrealpost;2457145
I'm not specialist, if there's any question, please reference 加拿大福利政策汇总 or check out 税务与福利 Forum。

Shelter Allowance Program for over 55 and low income, max~$80/mth.  Misc. assistance programs in Housing。

Subvention et bon REEI pour Handicapees。

老弱伤残 家庭护理 援助计划 @ http://sinoquebec.com/bbs/showthread.php?t=706670。

iMP

有没有说过呢?！ 。 。 。 。 每次租车 我只用不收年费的 RBC Rewards Visa Gold @ http://www.rbcroyalbank.com/cred ... l?cardsection=nofee

几年前，我问了细节，包括第三方责任及杂项，但不包括租赁汽车内的个人物品(偷窃)。现在不记得细节了。对这个主题有兴趣的同学请详阅 http://www.theglobeandmail.com/g ... rance/article545409。MP 如有错漏，欢迎更正！
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注消驾照 @ http://www.sinoquebec.com/bbs/showthread.php?950736

iMP

很老的帖子（2010年），甚至我自己也找不到。:p

Setting a little money aside for a rainy day and stashing some cash  safely in an emergency fund are good financial practices to keep. You  never know when you'll need some extra cash for a car repair or to help  cover the bills if you fall ill.

But where do you park those savings? Most chequing accounts pay  peanuts on balances, and with interest rates still near record lows,  it's a tough time to be a saver. I checked with CANNEX, an independent company that compares interest rates and other financial data, to find the best deals for savings kept in taxable accounts --  not registered accounts for RRSPs, TFSAs, or RESPs.

You won't find the highest interest rates at any of the big five  Canadian banks, so if you want a more competitive rate on your balance,  it's worth looking at these ten smaller financial institutions, trust  companies, and online banks.

Use the Switch Bank Accounts Checklist to help move your money to a financial institution that offers a more competitive interest rate on savings.

High Interest Savings Accounts
A high interest savings account gives you the flexibility to get at  your savings in a pinch while adding interest to your balance. The trick is to find an account with no minimum balance or monthly fees that eat  into your return.

People's Trust, a bank in Vancouver, is a savings account leader  offering customers 2.1 percent interest and Ally is not far behind at  2.0 percent. ICICI Bank gives internet-only customers 1.6 percent, while Canadian Tire Bank, ING Direct, and President’s Choice Financial (for  balances over $1,000) offer a rate of 1.5 percent.

These companies are all members of the Canada Deposit Insurance Corporation (CDIC), which means your savings are insured for up to $100,000 per deposit by the federal government.
There must be something about saving in Manitoba, since this prairie province has some serious high interest competition.

AcceleRate Financial, a division of Crosstown Civic Credit Union, has a 2.2 percent savings account with no minimum balance required. Achieva Financial, Outlook Financial, and MAXA Financial (which are also owned  by credit unions in Manitoba) are lagging slightly behind at 2.0  percent.

Deposits are 100 percent covered by the Credit Union Deposit Guarantee Corp. of Manitoba (CUDGC) without any limits. You don't need to be a Manitoban to open an account at a Manitoba credit union and benefit from CUDGC coverage.

Guaranteed Investment Certificates (GICs)
GICs are a good option for savers looking to lock in an investment  for terms ranging from one to five years. Don't invest longer than a  five-year term if you want to keep your deposit insurance -- the CDIC  does not insure GICs with an original date to maturity of more than five years.

Given today's rates, it makes little sense to lock in to a one-year  or three-year GIC. Investors can earn higher interest by sticking to  flexible high interest savings accounts. Better deals can be found in  five-year GICs, where the leaders are CDIC-insured Ally and ICICI Bank  at 3.3 percent, ING Direct with 3.0 percent, and President’s Choice  Financial with 2.6 percent.

For the highest five-year GIC rates in Canada you'll have to forgo  CDIC insurance in favour of Manitoba credit union CUDGC coverage. The  top rates can be found at MAXA Financial for 3.6 percent, Outlook  Financial at 3.45 percent, while AcceleRate and Achieva Financial both  boast 3.4 percent five-year GICs.

All of these rates are for non-redeemable GICs, which means you can't cash them in before the five-year term is up. For up-to-date interest  rates be sure to check with each financial institution.

iMP

www.cellplanexpert.ca 这个网站的首页似乎有一个有趣的工具，以帮助评估手机计划的需求。http://cellplanexpert.ca/plan/Quebec/Montreal 列出当前所有蒙城的手机供应商（部分计划似乎是过时的），除了如下：
1.  Cityfone - http://www.cityfone.net
2.  Good2Go Mobile - http://canada.good2gomobile.com
3.  Sears Mobile- http://www.searsconnect.ca
Both #1 and #2 are MVNO of Rogers, #3 looks identical.  (Mobile Virtual Network Operator)

Not sure if it works, will list free LD offers @ http://www.sinoquebec.com/bbs/showthread.php?975115

iMP

移动数据计划
有数据计划，就不需要 mobile voice plan，也不需要 SMS。玩法: http://misener.org/ditched-voice-plan-went-data/ 。
其他细节: http://forums.redflagdeals.com/b ... lan-20-1gb-1375400/
其他参考: http://freemobilenetworks.com/best-communication-apps/

价格最低的计划是 Rogers 的 1 GB/$60 ( 实际上不便宜)，数据有效期1年。一年最低费用 $60+tax。只适合紧急或低用量的人。
价格最便宜的计划是 tbaytel.net 的 20 GB/$100 (or 10G/$55)，数据有效期1年。一年最低费用 $100+tax。但购买 SIM 卡是非常复杂的。http://forums.redflagdeals.com/t ... day-expiry-1397855/

如果任何人 计划购买 tbaytel SIM 卡，请给我发悄悄话（帮我买）。

iMP

Remote Access to Voicemail - Rogers/Fido/Chatr (远程存取语音信箱)

搜索了很久，终于找到了.  我自己也需要的信息 ！
http://www.sinoquebec.com/forum. ... amp;_dsign=cd0154c4

iMP

偶尔去美国的朋友, 除了T-Mobile 或 Roam Mobility 之外, 可以考虑:
1.  免费手机和移动数据计划（用 Sprint 网络）
https://www.freedompop.com
https://ringplus.net
2.  免费移动数据计划（如果我记得正确的话 , 应该由T - Mobile的提供）

如果需要良好的信号，可以考虑 https://www.consumercellular.com （用 AT&T 网络）

FreedomPop is on Sprint’s network, not sure CDMA/WiMax or LTE network.  "Free 100 international minutes/month":

Mobile and Landline (14): American Samoa, Bangladesh, Bulgaria, Canada, China, Denmark, Greece, India, Malaysia, Singapore, South Korea, Spain, Sweden, and Thailand.

Landline only (38): Argentina, Australia, Austria, Belgium, Brazil, Chile, Croatia, Cyprus, France, French Guiana, Germany, Guam, Hong Kong, Hungary, Iceland, Ireland, Israel, Italy, Latvia, Lithuania, Luxembourg, Malta, Mexico, Morocco, Netherlands, New Zealand, Norway, Peru, Portugal, Puerto Rico, Romania, Russia, Slovakia, Slovenia, Switzerland, Taiwan, United Kingdom, and the U.S. Virgin Islands.

iMP

iMP 发表于 2015-12-24 14:32
偶尔去美国的朋友, 除了T-Mobile 或 Roam Mobility 之外, 可以考虑:
1.  免费手机和移动数据计划（用 Sprin ...

除了73楼写的 "住房补贴计划" ，另外还有援助单身母亲和孩子的方案 。 例如:  http://logifem.org 。 需要其他援助的，自己找或问满城华人服务中心 (987 rue Cote, 4e etage, 514-861-5244)。