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枫下家园 / 家庭与子女 / 准备买USC，请做教育基金的朋友把电话发到我的邮箱，谢谢！
-langwaipo(xiaoxiao);
2004-5-5
(#1711184@0)
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民工
-guest12345(guest12345);
2004-5-5
(#1711237@0)
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请自己直接做USC教育基金的朋友发E-MAIL，谢谢！
-langwaipo(xiaoxiao);
2004-5-5
(#1711256@0)
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实事求是我的原则：实事求是。
USC & CST 的管理机制，投资方向都一样，回报当然一样。如果USC代理说他们的收益高于CST，只能说卖USC的学生辍学的多。 -：)
USC & CST的本质区别在于，CST的学生接到入学通知就可以拿奖学金。USC的学生到第2年才能拿奖学金，如果该学生不上学，损失很大。
BTW: I am offering a gift now. -:)
Regards
-ttttt(教-育-基-金);
2004-5-5
{309}
(#1711894@0)
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I compared USC & CST for some days. Some of my friends who bought USC said USC might be a little bit better. And also the insurance might be benefitable. That's why I prefer USC.
-langwaipo(xiaoxiao);
2004-5-5
(#1711916@0)
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If you like, I can send you a Excel sheet to compare USC&CST.
-ttttt(教-育-基-金);
2004-5-6
(#1712831@0)
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sent, but CST.
-ttttt(教-育-基-金);
2004-5-5
(#1711887@0)
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CST OR USC？大家都买了哪个？
-langwaipo(xiaoxiao);
2004-5-5
(#1712135@0)
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USC/CST, 占了市场的80%，两家基本各占一半，所以买那家都差不多。不用问别人，随便选一家好了，反正买就对了。
-fzhou(民工);
2004-5-5
(#1712364@0)
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Ask a question: when child starts to use the money in the RESP, does he need to pay tax for the money in his account?
-leia(Leia);
2004-5-6
(#1712790@0)
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Of course, everybody pays tax! This is Canada! But...Let say the child receives $15,000/year from RESP, and deduct the tuition and expense, there is no much for the tax.
If this amount of money in under parent's name, this is not deductable.
-ttttt(教-育-基-金);
2004-5-6
{192}
(#1712829@0)
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I am wondering if you are an expert. "If this amount of money in under parent's name, this is not deductable.", which money? It is the tuition fee that is deductible, not the RESP.
-panomax(披着狼皮的羊);
2004-5-8
(#1715784@0)
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Even in the situation where parents pay the tuition fee from their own pocket, it is still deductible. If the child doesn't need the deduction, it can be transferred to parents.
-panomax(披着狼皮的羊);
2004-5-8
(#1715788@0)
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There are lots of limitation for parents to claim the tuition. And they can't claim the expense for renting, books, transportation....
-ttttt(教-育-基-金);
2004-5-8
(#1715941@0)
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狼or羊, 如果这些回报都在父母名下，您知道他们要上多少税吗。假设总回报是5万，假设总回报是5万，且这些都是额外的收入(类似利息收入)。要按20-30%上税。
-ttttt(教-育-基-金);
2004-5-8
{69}
(#1715931@0)
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to 狼or羊: Don't you worry, I am the expert. So, if you don't understand, ask me.
-ttttt(教-育-基-金);
2004-5-8
(#1715933@0)
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Actually, I just start to look at RESP. Itself is a good idea. But its agents seem so controversial. I don't want to waste your precious time to orientate me. So could you please give some web reference / introduction?
-panomax(披着狼皮的羊);
2004-5-8
(#1716157@0)
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Try this one: www.cst.org.
-ttttt(教-育-基-金);
2004-5-10
(#1717792@0)
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给你推荐一个人，不是我，是帮我做教育基金的，他人很诚实，也不会为了自己的利益误导你。
电话：416-3568543 李汉卿
-cornolia(hilary);
2004-5-9
(#1716418@0)