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枫下家园 / 钱财税务 / 这个银行的操作我看不懂，有什么猫腻吗？收到CIBC的email offer， 说是saving account 利息4.25%。也收到scotiabank的email offer说LOC的利息3.99%。那我转50万LOC到cibc不是稳赚不亏吗？
-abcdefghi(9alphabetic);
2022-9-1
(#14786196@0)
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CIBC那个4.25是骗人的，仔细看fine print
-l2u(Hi);
2022-9-1
(#14786219@0)
+5
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4.25%是锁定一年利息，3.99%的LOC过两月就涨了。最后一年过你陪了。如果你预期利率不涨降你就赚了。而且4.25%的GIC利息收入100%所得扣税不算投资收入不能减3.99%的利息花费。年入40万的这部分钱就课税54%了，稳稳地陪
-**🍩;
2022-9-1
(#14786224@0)
+6
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I agree with everything you said other than the part that you cannot deduct interest cost when you file tax return. 你是可以报interest cost的，如果那钱是从line of credit里拿的。
-jeffrey815(Smartiecat);
2022-9-1
(#14786318@0)
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谢谢。请问你一个题外话·；去了麦肯锡就离开了金融业？如果万一想回金融业啥渠道？MBA之后？感谢感谢
-**🍩;
2022-9-1
(#14786417@0)
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从咨询回金融大概只有读MBA了，还不一定回的去，咨询的 exit是去企业
-**🏍;
2022-9-1
(#14786520@0)
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两个暑假一线投行10周的实习 不能算经历哈？
-**🍩;
2022-9-1
(#14786535@0)
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算吧，不过要是在咨询干上2，3年，实习的经历就没用了
-**🏍;
2022-9-1
(#14786538@0)
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咨询出来的肯定是靠人脉啊！
-jeffrey815(Smartiecat);
2022-9-1
(#14786584@0)
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没懂，就是本地人的关系网才好？还是工作过程中认识很多企业领导？
-**🍩;
2022-9-1
(#14786585@0)
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工作过程中认识很多企业领导 + 自己现同事前同事领导等。
-jeffrey815(Smartiecat);
2022-9-1
(#14786701@0)
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Cibc不是骗人但是对第一个新开的eAdventage而言, 要拿4.25里的0.75, 需每月最少比上月多存200, 月中取了也要再月末之前存回去。总之不是钱转过去就4.25%
-yuzipipi(玉子皮皮);
2022-9-1
(#14786286@0)
+1
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1% Regular Interest + 0.75% Smart Interest (up to $200,000) + 2.5% Bonus Interest (for 120 days, not entire year, up to 1M)
-l2u(Hi);
2022-9-1
(#14786315@0)
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这智商，哈哈，
-googlebot(bot);
2022-9-1
(#14786301@0)
+4
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我智商应该还行啊。只是按上面说法只有4个月且限20万，那就不好玩了。(4.25是4个🈷有效，3.99是一年有效，均非浮动利率)
-abcdefghi(9alphabetic);
2022-9-1
(#14786456@0)
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现在gic 一年期4.5, loc 不可能固定一年3.99,prime已是4.7 过几天要再加至少0.5,很可能0.75,loc 一般prime 加点,不会固定
-xiangqian(xiangqian);
2022-9-2
(#14787567@0)
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Transfer higher rate balances to your ScotiaLine® Personal Line of Credit by October 31,2022 and lock in to a low interest rate of 3.99%* for 12 months on the balance transferred.†
With this offer, you can move balances totalling up to $100,000 (subject to your available credit) from higher-rate credit cards or other lines of credit into your ScotiaLine Personal Line of Credit account to help save money on interest.† After 12 months, the regular variable annual interest rate on your ScotiaLine account will apply.
-**🧸;
2022-9-2
{440}
(#14787585@0)
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信用卡offer更好些，10个月0利率，收1% transfer fee，相当于10个月1%利率。
-xjcjq(rufeng);
2022-9-2
(#14787593@0)