Access Methods

ATM

Bill Payment

Cheque by mail

Cheques

Direct Deposit

In Branch

Interac Direct Payment

Automated Transfer

Online Transfer

Phone Transfer

Signup Bonuses

In the long term, signup bonuses don't really mean anything. They can, however, make it easier to choose between two banks that may be very similar. Here are the bonuses offered by each bank.

Conclusions

 

ICICI
Sets the benchmark for an online bank. Unrivalled interest, combined with a plethora of free access methods. For those needing to transfer money back and forth from India, this may also be a great option.

E*Trade
An outstanding interest rate, but weak on access methods. Especially convenient for those who happen to use E*Trade's other services.

PC Financial Interest Plus
Note: This blurb was written before ICICI went and blew everyone out of the water. The question on everyone's mind: will PC raise their rates to keep in line?
PC Financial seems to be out for world domination. This new quasi-GIC is a perfect complement to their bar-raising no-fee chequing account. As long as you have at least $1000 to invest, you'll get a competitive rate and loads more flexibility than Achieva or Outlook. There are, of course, no fees to move your money into any other bank account. If your balance drops below $1000, don't despair; you'll only lose interest on those days that the balance is low. If it's going to be low for more than a day, you can instantly transfer the entire balance over to an Interest First account for however long you need to. PC will even raise your interest rate depending on how long and how much you keep money in your account! This account is a winner, especially if you have a chequing account with PC.

Achieva & Outlook
Currently, ICICI has entirely eliminated these banks' one advantage: interest rate. This could be a temporary situation, but even if it wasn't, Outlook & Achieva's high interest rates are moderated by awkward and pricey access methods.

Manulife
ICICI's interest is usually higher, and it's more feature-rich.

Altamira / Canadian Tire
Similar to the E*Trade account, but with less interest.

Citizens Ultimate
A good well rounded account with a fair amount of access methods, with the notable absence of Interac Direct Payment. A notable plus for the globetrotter is the four free transactions ANYWHERE in the world! Also, Citizens is by far the most ethical choice of the bunch, with the goal of going carbon neutral by 2010.

HSBC
HSBC improved their offering considerably when they introduced the Direct Savings Account. Unlimited Interac Direct Payments, bill payments & free access to BMO and The Exchange ATMs means you could almost use this as your primary account. Unless you use actual cheques. Similar to Citizens Ultimate, but has unlimited ATM interactions and includes Interac Direct Payments.

ING Direct
There are many accounts here that offer better interest. If you were to choose ING for the 4 free ATM transactions, Citizens' Ultimate Account and HSBC offers the same thing, but with more features. ING Direct just turns out to be all hype and nothing attractive. ING seems to put most of their money into paying for advertising instead of features or interest. Pass.

PC Financial Interest First/ BMO/ Scotiabank/Royal Bank
You could say these accounts are only in here for pity. They offer little interest, and very few ways to access it. They are useful for people that hold their primary bank account with one of these banks. Transfers are fast and easy to set up. In the case of Scotiabank, they're also instant. If you're looking for any substantial interest though, these are out of the running.

Citizens Investment
Wow. Free unlimited cheques. If that makes up for more than a one percent interest gap, this may be the account for you. Also, note that Citizens has a strong ethical policy. If you're thinking about replacing your chequing account, you might want to check out Ubiquity Bank.

Amex
Amex is a waste of your time. 'Nuff said.

Suggestions

The Investor: I may write the occasional cheque, but otherwise, I leave my money untouched.

ICICI.

The Online Banker: I don't use my high interest savings account much, but when I do, I want to have my money transferred to my main bank account quickly and easily, over the internet.

ICICI takes two for two. Most of the banks in the list are what you're looking for, but ICICI has the highest rate of interest out of all of them.

The Chequing Account Replacer: Frequent access and high interest - Why not have both?

HSBC would be a good choice if you can go without cheques. If not, check out Citizens Investment, or, if you can keep a minimum $1000 balance, Ubiquity Bank is a stunning chequing account.

宠物，又欺负人。。。。

引用

又见点名！

1.提问：如果来世有选择的话，你是想做女人还是男人还是别的什么的？
回答：宠物笨。。。。要有下辈子，当个可爱的小狗狗，咔咔

2.提问：你最爱吃什么？你会做饭么？你会给你喜欢的人做饭么？
回答：香蕉。。。会。。。当然会，不过万一他比我还会做饭该怎么办。。

3.提问：结婚时最想收到什么礼物?(不许说房子车子之类不现实D东西...)
回答：要天上鲜花，草莓，糖果满天飞

4.提问：女为悦己者容，你觉得这话有道理嘛？为什么？
回答：我倒觉得更多是为了自己。。。毛发皮肤，得之父母，伤之不得，阿门...

5.提问：什么支撑你继续活着？什么是你的信仰？
回答：我啊，怕死啊

6.提问：对目前生活满意吗？
回答: 我似乎还不到对这些满足的年龄吧。

7.提问：目前生活中，最希望得到的是什么？
回答：放慢节奏

8.提问：不快乐的时候干什么？
回答：去Gym, 打扫房间, 闲逛

9.提问：你喜欢什么样的他/她？有什么要求吗？
回答：爱情是一种感觉好不好。。。

10.提问：你觉得多大岁数有孩子比较好?
回答：。。。

11.提问：到底是钱可靠呢还是男人可靠？
回答：问这话的人显然不懂得爱

12.提问：有过暗恋（只是单向，未挑明）的人么？
回答：有阿，咔咔

13.提问：男人多大交女朋友合适，多大结婚合适？
回答：一向认为，用年龄来衡量是愚蠢的

14.提问：恋人分手，今后该如何相处？
回答：陌生的朋友

15.提问：如果有一天，你的爱人对你说："对不起，我发现自己是同性恋。"你会怎么办？
回答：。。。

16.如果有一个机会，你可以回到过去改变一些事情，你最想改变什么？
回答：谈论这个有意义么？

17.提问：你还相信爱情吗？
回答：相信

18.如果突然发现自己是花痴该怎么办？
回答：本来就是好不好

19.经历的最浪漫的事？
回答：说出来就不浪漫了，咔咔

20.提问： 你现在最想干的是什么？
回答： 睡觉睡到自然醒

引用

关于牛奶的扫盲贴

   应HK同学之邀写的关于乳的扫盲贴,哈哈

   一般牛奶分四大类,fresh milk, long life milk(=.=不是长寿奶 就是我们平常说的利乐包 UHT超高温灭菌), concentrated milk, milk powder. 现在大家喝的最多的就是fresh milk了,一般说的标准乳的定义是乳脂率为4%的奶(regular milk)一般用巴氏灭菌法灭菌. 然后接下来就是reduced fat milk 这种的乳脂率为2%左右 low fat milk 这个就低于1.5%啦，Skim mik的乳脂率更低只有0.15% modified milk就是我们常喝的高钙 高啥的 就是有些营养物质的含量特别丰富，一般都是钙，铁和蛋白质。Lactose Reduced milk 就是减了乳糖的奶 由于亚洲人有乳糖耐受不良症 所以喝奶时会出现呕吐这个是缺酶的缘故，这种奶一般就加了乳糖酶分解了部分乳糖，专门为这些耐受不良的人准备的。Ultrafiltration (UF) milk  这个就是超滤奶 没见过 下次去超市仔细找找 查的资料里说钙和蛋白质的含量比较高 Buttermilk or Cultured milk 这种可能国内没有把 这种是加了发酵的奶油的奶 有很浓烈的味道。。。。最后一种就是Flavoured milk 这种一般就是给小孩子喝的啥草莓味的 巧克力味的。。

    最后说一种这里农村的喝法，室友的男友是附近农场的，昨天听他在那里侃农场的事 free milk free butter free cheese不说 奶多的就换着花样喝， 把西瓜开个洞灌上那种带点发酵味的奶放冰箱冰着 第二天拿吸管直接喝。。。。旁边一哥们还说 i like rockmelon =。=b