加拿大理財討論區

供緊加版 vfv

如果經常係Walmart買嘢，應該申請邊張信用卡?
我發現Walmart唔計Grocery Store而係計Discount store
好似Walmart自己出嗰張3%已經係最抵

原來3%嗰張要$100,000 annual household income我自己一個申請唔到

BMO 好似係計grocery

我睇人講好似係分Visa/ Master card
但都好似唔係100%計Grocery唔洗年費可以申請嚟試吓水溫

用緊BMO 藍色個張免年費cash back
想申請多張多回贈啲既
其實揀cash back, rewards or miles會比較好？
有冇咩信用卡值得考慮？
平時都係食飯同買grocery多

Rogers Mastercard 免年費

想請教一下 公司pension plan既錢其實係咪都under RRSP? 因為考慮緊之後HBP係咪可以免稅拎出嚟用

聽講BMO唔係grocery shop

https://www.reddit.com/r/askTO/comments/1bcghbn/how_are_you_earning_points_rewards_at_walmart/
mastercard 就係，VISA就唔係

即係visa 卡walmart 唔計,master 先計?

學到野👍🏻

what is HBP?

home buyer plan

有冇人試過將香港強積金一筆過轉入RRSP？手續係點？

本來諗住喺TD開RRSP戶口，銀行職員問完back office之後覆我話冇得將強積金入落RRSP，但我之前喺YouTube睇啲會計師/財務策劃顧問講解嘅片話係可以咁做

點解要轉過嚟？

佢會管你入幾多錢入rrsp嘅咩

攞完PR先拎到MPF，如實申報廢事有手尾，唔轉入RRSP咪要計埋落嗰年嘅收入交稅

正常唔會管，但我份強積金嗰個金額高過RRSP個限額，咁咪要特別處理先可以一筆過入落去RRSP，點知銀行都唔知頭唔知路

要同幫你搞戶口嘅職員講
最好攞埋香港提取強積金嘅信件證明
咁先方便Back Office做嘢

同咗開戶個職員講，但佢話問完back office係冇得咁樣一筆過將強積金轉入RRSP

did you withdraw the MPF already?
when did you do that?

Yes I withdrew the MPF on March

Go to the bank and open an RRSP account.
You can show them one of the articles.
The bank's back office is BULL SHIT.
You can contribute whatever amount you want. They can not stop you from doing that.
EVEN if you overcontribute and subject to penalties, that's NONE of their business.
Did you have to pay any HK taxes when you withdrew the MPF?

https://www.google.com/search?client=opera&q=how+to+roll+your+MPF+into+RRSP&sourceid=opera&ie=UTF-8&oe=UTF-8