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Dark Knight / Le Chevalier Noir
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---- Nous avons besoin d'un traduction français!
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Because dividends are effectively taxed at a lower rate than interest, one needs an interest income of approximately 6.5% to keep the same amount in your pocket after taxes, all else being equal! I don't know if this calculation is the same for all tax brackets.
]
Interesting but he seems to forget there is a foreign tax credit system as well. He also does not discuss the privately held corporation. In that case things are a little different in that the goal is to make the taxpayer indifferent as to whether they hold the investment themselves or in their corporation.
Last edited by Zeljko Kitich; Thursday, 24th May, 2012, 10:58 PM.
Banks have always irked me as lenders. They turn their backs if you are too leveraged, but their own success depends on outrageous leverage. And they are keen to try to lend you money when you don't need it.
They are very crafty though, when it comes to earning the convenience dollar. They can make everyone's life simpler for 2 bucks a pop.
Banks have always irked me as lenders. They turn their backs if you are too leveraged, but their own success depends on outrageous leverage. And they are keen to try to lend you money when you don't need it.
They are very crafty though, when it comes to earning the convenience dollar. They can make everyone's life simpler for 2 bucks a pop.
And of course if you make a ton of money with your leveraged loan you are going to be a nice guy and offer the bank more than just the going rate of interest? If you go bust well you can't get blood from a turnip. They take the risk and you take the reward. You might as well take out a mortgage go down to the casino and let 'er ride. I don't know anyone who would lend you money on a personal basis under those conditions so why should a bank? If you know of someone tell them to contact me at this station. When banks are leveraged your money is guaranteed with CDIC.
Last edited by Zeljko Kitich; Monday, 28th May, 2012, 04:22 PM.
Larry,
BMO offers free bank accounts for non-profit organizations. This includes all the fees, the cheques, everything. I know a few chess clubs who opened their account there. Maybe there would be some fees for CMA, since it is quite a big organization... But probably nothing expensive.
First, Felix is correct for small non-profits with only a few transactions every month. The BMO has a great free account for non-profits which we took advantage of for a long time. Unfortunately, they re-evaluated the number of transactions on our account and determined that we should pay fees...and I went to CIBC who treated us fee-less for another long spell until they also decided that there was way too much activity in our account to allow us to get this service for free....so I went back to BMO where I like the people there...which turned out to be a big mistake.
Anyway, we have been at the TD now for the last few months and I am glad to report that I have encountered only a couple of disturbing surprises but overall we are much better there than we would have been with BMO and CIBC.
So all banks in Canada are not created equal when it comes to fees and you should shop around. While I like TD for their hours of operation and their service fees on our account...most of the staff I have dealt with there so far is FAR less knowledgeable than what I have encountered at the BMO and the CIBC...ESPECIALLY AT OUR BRANCH!
So...we are back to fee-less banking at TD (with reasonable conditions)...at least for now :).
While I like TD for their hours of operation and their service fees on our account...most of the staff I have dealt with there so far is FAR less knowledgeable than what I have encountered at the BMO and the CIBC...ESPECIALLY AT OUR BRANCH!
I must admit that in the past I was usually happy with the service we received at the other banks...except our last adventure with BMO where our account manager was terrible for the customer...and great for increasing bank revenues :). I am sure she must be due for a promotion LOL.
My impression of the TD so far....
Once I understand the rules better than the staff, I think we will be fine :).
In the short term, so far we are saving hundreds of dollars a month compared to the BMO...and once I understand things better, that could and should get better :)
When you decided to switch banks, didn't the original bank offer you some kind of deal to keep you as a customer?
e.g. - when you call the Montreal "Gazette" and tell them you're cancelling your subscription to switch to the "National Post", they will call you back soon after with a better subscription deal (assuming they don't do that on your first contact).
Banks aren't like newspapers and phone companies. When you say you're leaving for another bank, they help you close your accounts. Otherwise, everyone would just threaten to leave in order to get better fee rates, which completely undermines the existing fee structure.
There are so many banks out there that the Big 5 will get as much business as it loses, so they're not really hurting over the few bucks a month they'll lose from banking usage fees.
Most usage fees are gone from the banks before they're earned, as they are used to pay fees to Bank of Canada and armored car companies just to get that $20 bill into your pocket.
No matter how big and bad you are, when a two-year-old hands you a toy phone, you answer it.
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