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September 16, 2012
8:41 pm
guest1
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For those in the Vancouver area there is a promotional 15 mth GIC at 2.3% at North Shore Credit Union. https://www.nscu.com/Campaign/TermDeposit/
Problem is that it is non-cashable. Still, at least it sets the bar for other banks and credit unions to beat.

September 17, 2012
9:31 am
guest1
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A minimum deposit of $25,000

September 21, 2012
9:16 am
Max
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November 26, 2008
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Would have been interesting for me if it was available for residents here in Quebec. Seems the interests are high everywhere but here :(

The day you become free is the day you work for fun.

September 21, 2012
5:58 pm
Doug
British Columbia, Canada
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Max said

Would have been interesting for me if it was available for residents here in Quebec. Seems the interests are high everywhere but here :(

Max, you should lobby your Quebec government to repeal its arcane, and somewhat asinine, language laws that require dual languages and the French language to take precedent. Unfortunately, the chances of that happening with the PQ would be about as likely as hell freezing over (hell would freeze over first, for those keeping score!). ;)

Cheers,
Doug

September 30, 2012
10:12 am
Max
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Doug said

Max said

Would have been interesting for me if it was available for residents here in Quebec. Seems the interests are high everywhere but here :(

Max, you should lobby your Quebec government to repeal its arcane, and somewhat asinine, language laws that require dual languages and the French language to take precedent. Unfortunately, the chances of that happening with the PQ would be about as likely as hell freezing over (hell would freeze over first, for those keeping score!). ;)

Cheers,
Doug

On top of that, my tax rate on income will jump from 53% to 57% in 3 years when I'll do my full salary. Cutting me from accessing insitutions with descent interest rates, making the $130 000+ workers pay 57% tax on income instead of 53% ($360 000 difference on a 30 years career), making only the $130 000+ pay the $200 tax on healthcare system instead of every active worker as it previously was with the liberal government for the last 4 years, that's what the PQ is doing. If they remove the option of incorporation for MDs that we gained in 2003 when it was possible everywhere else, I swear I will move to BC. And then they will use all the extra money I handed out to them to make their independance.

Max
Quebec is making me poorer everyday

The day you become free is the day you work for fun.

October 1, 2012
6:17 pm
Doug
British Columbia, Canada
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Wow, you've only had the option to incorporate your own medical practices since 2003 in Quebec? Sheesh, that sucks! Doctors in BC have had that for who knows how long...you should definitely move to BC - or maybe Manitoba. ;)

Cheers,
Doug

October 1, 2012
6:45 pm
cmore
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Achieva Financial also has a 2.25% 2 year term rate for a minimum deposit of $1,000. It's all online and I believe available for Quebec residents.

October 12, 2012
8:20 am
RetirEd
Guest
Guests

I drank the Kool-Ade and bought $50K of the North Shore 2.3%. That's just kicking the can down the road, though. Nobody knows where things are going and I'm pissed my cash didn't come out of the last maturity in time to get the 3.1% 5-year rates earlier this summer. I would have been content with that. Instead I've still got $100K looking for a home and few takers.

In the end I decided that if ANYTHING was going to change this stagnant investment climate, it would be the US election, and historically US elections are local interest-rate minima. If there's no reaction, I'll take one of the Manitoba 2% deposits, probably Achieva, and wait and see.
RetirEd

October 12, 2012
8:22 am
RetirEd
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Guests

Hey - where's the Edit Post function? I said 3.3% when I meant to type 3.1%.
RetirEd

Reply from Peter: Unfortunately the forum doesn't support that feature for anonymous users anymore. I've fixed your post now. In the future you'll either have to register or, as you just did, post the requested correction.

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