加拿大最好的活期利率

qwer2003 · Aug 2nd, 2009, 19:03

介绍一下省钱+白赚25块钱奖金的办法。其实不少人都不小心在自己的支票账户(chequingaccount)里面放了不少钱，有的是有意留着以备急用，有得就是刚发的工资。可是不知道你想过没有，假设你的支票帐户总是保持5000块，这些钱如果存起来1年的利息就是150多块。现在金融危机，省一点是一点，为什么要白白损失150块呢。在加拿大呆久了的朋友都知道INGDirect,他就是一种活期账户,3%的利息(TFSA),跟你现有的支票账户通过电子方式连起来，钱暂时不需要的时候就转到INGDIRECT赚利息,需要钱的时候只需要等一到两天.钱就可以从INGDIRECT转回支票账户。. 那位朋友说了,我的钱存在ING安全么？您尽管放心，ING总部在荷兰,截至2008年，它已经是全球第9大公司。截至2007年INGDIRECT加拿大分行已经有150万用户，存款额达到230亿。INGDIRECT加拿大分行也是受 CanadaDepositInsuranceCorporation保护的,10万以下的存款都有破产保护,跟加拿大的主要银行享受同样的待遇.他就是以这种不设分行的方式,才能给那么好的利率,而且 INGDIRECT也不是取代支票账户的,是一个很好的补充。

开账户也很简单，只要登陆网站 http://www.ingdirect.ca/referafriend/ 然后填写个人信息提出申请，欢迎使用我的推荐码（orange key） 15590659S1，可以拿到$25块钱的奖金。如果你能介绍50个朋友，也就可以拿到2000块奖金。

注意申请者需有SIN。

ING DIRECT的所有利率情况如下：
Investment Savings Account (ISA) 1.35%
US$ Investment Savings Account (ISA) 0.75%
RSP Investment Savings Account (RISA) 1.35%
Tax-Free Investment Savings Account (TFSA) 3.00%
Children's Savings Account 1.35%
Business Investment Savings Account 1.35%
US$ Business Investment Savings Account 0.75%
Guaranteed Investment (GIC) - 1 Year 1.25%
Guaranteed Investment (GIC) - 1 ½ Year 1.50%
Guaranteed Investment (GIC) - 2 Year 2.00%
Guaranteed Investment (GIC) - 3 Year 2.50%
Guaranteed Investment (GIC) - 4 Year 2.50%
Guaranteed Investment (GIC) - 5 Year 3.25%
US$ Guaranteed Investment (GIC) - 1 Year 1.00%
US$ Guaranteed Investment (GIC) - 1 ½ Year 1.10%
US$ Guaranteed Investment (GIC) - 2 Year 1.25%
US$ Guaranteed Investment (GIC) - 3 Year 2.00%
US$ Guaranteed Investment (GIC) - 4 Year 2.00%
US$ Guaranteed Investment (GIC) - 5 Year 2.00%
Short Term Guaranteed Investment (GIC) - 90 Days 0.50%
Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
US$ Short Term Guaranteed Investment (GIC) - 90 Days 0.80%
US$ Short Term Guaranteed Investment (GIC) - 180 Days 1.00%
US$ Short Term Guaranteed Investment (GIC) - 270 Days 1.00%
Business Guaranteed Investment (GIC) - 1 Year 1.25%
Business Guaranteed Investment (GIC) - 1 ½ Year 1.50%
Business Guaranteed Investment (GIC) - 2 Year 2.00%
Business Guaranteed Investment (GIC) - 3 Year 2.50%
Business Guaranteed Investment (GIC) - 4 Year 2.50%
Business Guaranteed Investment (GIC) - 5 Year 3.25%
US$ Business Guaranteed Investment (GIC) - 1 Year 1.00%
US$ Business Guaranteed Investment (GIC) - 1 ½ Year 1.10%
US$ Business Guaranteed Investment (GIC) - 2 Year 1.25%
US$ Business Guaranteed Investment (GIC) - 3 Year 2.00%
US$ Business Guaranteed Investment (GIC) - 4 Year 2.00%
US$ Business Guaranteed Investment (GIC) - 5 Year 2.00%
Business Short Term Guaranteed Investment (GIC) - 90 Days 0.50%
Business Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Business Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
US$ Business Short Term Guaranteed Investment (GIC) - 90 Days 0.80%
US$ Business Short Term Guaranteed Investment (GIC) - 180 Days 1.00%
US$ Business Short Term Guaranteed Investment (GIC) - 270 Days 1.00%
RSP Guaranteed Investment (RGIC) - 1 Year 1.25%
RSP Guaranteed Investment (RGIC) - 1 ½ Year 1.50%
RSP Guaranteed Investment (RGIC) - 2 Year 2.00%
RSP Guaranteed Investment (RGIC) - 3 Year 2.50%
RSP Guaranteed Investment (RGIC) - 4 Year 2.50%
RSP Guaranteed Investment (RGIC) - 5 Year 3.25%
Short Term RSP Guaranteed Investment (RGIC) - 90 Days 0.50%
Short Term RSP Guaranteed Investment (RGIC) - 180 Days 0.50%
Short Term RSP Guaranteed Investment (RGIC) - 270 Days 0.50%
Tax-Free Guaranteed Investment (GIC) - 1 Year 1.25%
Tax-Free Guaranteed Investment (GIC) - 1 ½ Year 1.50%
Tax-Free Guaranteed Investment (GIC) - 2 Year 2.00%
Tax-Free Guaranteed Investment (GIC) - 3 Year 2.50%
Tax-Free Guaranteed Investment (GIC) - 4 Year 2.50%
Tax-Free Guaranteed Investment (GIC) - 5 Year 3.25%
Tax-Free Short Term Guaranteed Investment (GIC) - 90 Days 0.50%
Tax-Free Short Term Guaranteed Investment (GIC) - 180 Days 0.50%
Tax-Free Short Term Guaranteed Investment (GIC) - 270 Days 0.50%
Credit Account as low as 3.95%
unmortgage - 1 Year 3.39%
unmortgage - 2 Year 3.59%
unmortgage - 3 Year 3.65%
unmortgage - 4 Year 4.09%
unmortgage - 5 Year 4.49%
unmortgage - 7 Year 5.50%
unmortgage - 10 Year 5.50%
unmortgage - 5 year variable

qwer2003 · Aug 2nd, 2009, 19:03

http://en.wikipedia.org/wiki/ING_Group

ING Group N.V. (NYSE: ING, Euronext: INGA) is a financial institution of Dutch origin offering banking, insurance and asset management services. ING is an abbreviation of Internationale Nederlanden Groep (English: International Netherlands Group).

As of 2009, ING Group covers 85 million private, corporate and institutional clients in over 40 countries with a workforce of over 125,000 people. It owns ING Direct, a virtual bank with operations in Australia, Canada, Italy, Spain, UK, US and elsewhere. In the 2008 Forbes Global 2000, ING was the ninth-largest company in the world.
Contents
[hide]

* 1 International operations
* 2 Advertising and sponsorship
* 3 Headquarters
* 4 History
* 5 Investigations into investment and business practices
* 6 Recent troubles
o 6.1 Capital Injection
o 6.2 Layoffs
* 7 ING Direct
o 7.1 ING Direct Canada
o 7.2 ING Direct United States
+ 7.2.1 ING Direct Cafes
+ 7.2.2 Services
o 7.3 ING Direct UK
+ 7.3.1 Services
o 7.4 ING Direct Australia
+ 7.4.1 Services
* 8 See also
* 9 References
* 10 External links

[edit] International operations

ING has offices in

* Australia
* Austria
* Belgium
* Bulgaria
* Canada
* Chile
* China
* Colombia
* Czech Republic
* France
* Germany
* Greece
* Hong Kong
* Hungary
* India
* Indonesia
* Italy
* Japan
* Malaysia
* Mexico
* the Netherlands
* New Zealand
* Peru
* the Philippines
* Poland
* Romania
* Singapore
* South Korea
* Spain
* Taiwan
* Turkey
* Thailand
* The United Kingdom
* The United States

[edit] Advertising and sponsorship
ING began sponsoring the Renault Formula One team in 2007, and also has a large amount of trackside advertising and race sponsorship deals.

ING's Canadian commercials feature Dutch actor Frederik de Groot. In Australia, they feature Scottish comedian Billy Connolly.

From 2007, ING became the title sponsor of the Renault Formula One team. This will continue until at least 2009. In November 2006, ING was announced as the naming rights sponsor of the Australian Grand Prix and Belgian Grand Prix in a three-year deal; The "ING Australian Grand Prix" was the first race in the 2007 season. ING has also become the title sponsor of the Hungarian Grand Prix, making it the "ING Magyar Nagydíj", the "2007 ING Belgian Grand Prix" and in 2009, the title sponsor of the Turkish Grand Prix as the company rebrands Oyak Bank.

Regarding their Formula One sponsorship, ING announced on February 16, 2009 that "In light of the recently announced cost reduction programme, ING confirmed that it would not renew the three year sponsorship (2007-2009) contract with Renault F1 and to end its presence in F1 beyond the 2009 season," a statement from ING read.

"ING's participation in Formula One was the company's first global sponsorship project aimed at delivering revenue and raising the global brand awareness, particularly in ING's key growth markets.

"Over the past two years, ING has successfully achieved its objectives for the F1 sponsorship, raising its overall global brand awareness by 16% (March 7 vs November 8).

"F1 remains a powerful business driver even in a difficult economic climate. Whilst ING has cut the F1 sponsorship costs by 40% in the final year, revenue generating opportunities will be a continuing focus through 2009.

"ING has enjoyed the relationship with Renault F1 and will continue to work closely with the team during the final year of the partnership."

For several years, ING has been the title sponsor of the New York City Marathon and the San Francisco famous Bay to Breakers. This sponsorship deal will continue until 2010.

ING is also a major sponsor of football, sponsoring the Dutch National Soccer Team and the AFC [2].
ING House, ING headquarters in Amsterdam
Part of ING at night in Minneapolis in the United States

[edit] Headquarters

ING House, ING's headquarters, is located near Schiphol airport in Amsterdam. Designed by Roberto Meyer and Jeroen van Schooten, the light-infused building features loggias, patios and interior gardens. The edifice is supported by posts of 9 to 12 meters (30 to 39ft). It is considered an autonomous building.

[edit] History

* 1990: The newly formed company, first called Internationale Nederlanden Groep, later ING Group, was created from the merger of Nationale-Nederlanden and NMB Postbank Group.
* 1991: Nationale-Nederlanden changes to ING Nationale-Nederlanden
* 1991: ING financial group entered the Czech market
* 1994: ING opened first ING Bank in Romania
* 1995: ING acquired investment bank and investment management firm Barings after its collapse (in the process, it also obtained the original sales document of the Louisiana Purchase)
* 1997: ING acquired insurer Equitable of Iowa Companies
* 1997: ING opened ING Direct Canada www.ingdirect.ca
* 1998: ING acquired Banque Bruxelles Lambert (BBL) of Belgium
* 1999: ING acquired BHF-Bank of Germany, opened ING Direct Spain
* 2000: ING acquired US insurers ReliaStar, Aetna Financial Services and Aetna International
* 2000: ING opened ING Direct USA
* 2001: ING acquired Bank Śląski of Poland, and insurer Seguros Comercial America of Mexico
* 2002: ING acquired DiBa bank of Germany
* 2004: ING Insurance Company of Canada acquired Allianz Canada
* 2004: ING sold BHF-Bank of Germany to Sal. Oppenheim
* 2005: ING acquired a 19.9% stake in Bank of Beijing; which was later diluted to 16.07% after the company listed in Shanghai
* 2006: ING opened ING Life Bulgaria, a branch of ING Life Hungary
* 2007: ING acquired the domestic asset management operations of ABN AMRO Asset Management in Taiwan
* 2007: ING acquired Oyak bank of Turkey
* 2007: ING launched its first variable annuities product for the European market in Spain
* 2007: ING acquired US web-based stock brokerage firm ShareBuilder
* 2007: ING acquired Landmark Asset Management Company of South Korea
* 2007: ING acquired a 30% stake in TMB Bank, Thailand
* 2008: ING sold ING Seguros in Mexico
* 2008: ING acquired CitiStreet in the USA
* 2008: ING launched retail banking in the Ukraine
* 2008: ING acquired the voluntary pension fund Oyak Emeklilik in Turkey
* 2008: ING sold its life insurance business in Taiwan
* 2008: ING Group, in a move to increase its Tier-One capital ratio, accepts a €10 billion capital injection from the Dutch government.
* 2009: In order to save 1.4 billion Euros, ING announced that they would be cutting about 7,000 employees from their payroll. The CEO, Michel Tilmant, also resigned[3].
* 2009: ING Group sold all of its ownership stake in ING Canada (Property & Casualty Insurer operating in Canada).[4][5]

[edit] Investigations into investment and business practices

Over the past several years, the ING Group has come under scrutiny over the ethics of some of their business practices in the U.S. In October 2005, the National Association of Securities Dealers (NASD), the leading private-sector provider of financial regulatory services in the United States, ordered ING Funds Distributor (IFD) to pay fines of $1.5 million for permitting improper market timing in ING funds and related violations, $1.4 million in restitution to affected mutual funds, and a $25,000 fine and 30-day supervisory suspension on an IFD supervisor.[6]

[edit] Recent troubles

[edit] Capital Injection

On Sunday October 19, 2008, in a move to increase its core Tier 1 capital ratio to above 8%, ING Group accepted a capital injection plan by the Dutch Government. The plan will supply €10 billion (US$13.5 billion) into the operation, in exchange for securities, and veto rights on major operations and investments[7]. Wouter Bos, the Dutch finance minister, said that this was done as a means of fortifying the bank as the bank is in a sound financial state, to weather the financial crisis. Management said that the capital injection shall have no dilutive impact to existing shareholders. As part of the 'loan' agreement, two government advisers have been appointed to the supervisory board.

[edit] Layoffs

In January 2009, ING announced plans to cut 7,000 jobs[8] and its CEO stepped down[9].

[edit] ING Direct
ING Group global locations

ING Direct is ING Group's marketing name for a branchless direct bank with operations in Australia, Canada, France, Germany (branded ING-DiBa), Austria (branded ING-DiBa), Italy, Spain, the United Kingdom and the United States. It offers services over the Internet, phone, ATM or by mail.

[edit] ING Direct Canada

ING Direct Canada was founded in 1997.

ING Direct Canada opened four cafés in major cities of Toronto, Montréal, Calgary and Vancouver[10].

It offers

* Non-RSP-eligible personal and business investment savings accounts
* RSP-eligible investment savings account
* Tax-free investment savings account (starting January 2009)
* US dollar personal and business investment savings accounts
* Mutual funds
* Guaranteed investment certificate
* RSP-eligible guaranteed investment certificate
* Mortgages
* Lines of credit
* Internet banking

ING Direct Canada is a member of the Canadian Bankers Association (CBA) and registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks.

[edit] ING Direct United States

ING Direct was founded in 2000, with its headquarters in Wilmington, Delaware. ING Direct is a member of the Federal Deposit Insurance Corporation (FDIC).

In September 2007, ING Direct acquired 104,000 customers and FDIC insured assets from a failed virtual bank NetBank.[11][12] Migration from NetBank to ING Direct was not smooth, prompting hundreds of fearful customers from former NetBank to complain, saturating ING Direct customer support phone lines. The bank lost many customers as a consequence.[13][14][15]

[edit] ING Direct Cafes
The ING Direct Cafe in St. Cloud, MN, USA

In March 2001, ING Direct opened cafes in 6 cities: Chicago, IL, Philadelphia, PA, Los Angeles, CA, New York City, NY, St. Cloud, MN, and Wilmington, DE, each serving Peet's Coffee. New cafes were opened in Chicago, IL (Summer 2007), St. Cloud, MN (2008), and Waikiki, Honolulu, Hawai'i (November 2008). Inside the cafes, ING Direct has several internet terminals that allow their account-holders to check on the status on their ING Direct accounts and surf the internet free of charge. The cafes often feature seminars on financial topics such as money management, handling one's retirement, mortgages, and credit management.

[edit] Services

* Savings (Orange Savings Account)
* Checking (Electric Orange)
* Certificates of Deposit (Orange Certificate of Deposit)
* Mortgages (Orange Mortgage)
* Home Equity Line of Credit (Orange Home Equity Line of Credit)
* Mutual Funds (Orange Investment Account)
* Business Accounts (Business Savings Account/Business Savings CD/Builder Finance Loans)

[edit] ING Direct UK

ING Direct began operations in the UK in May 2003 and, at one point, had in excess of 1 million customers. Its failure to increase its interest rates following a series of base rate rises in 2007, however, led to a loss of customers.[16] After raising its rates in 2008 the direct bank has rebuilt its customer base and once again sits above one million savers. Operations are based in Reading, where the company head office is situated as well as an office based in the city of Cardiff. The bank also picked up awards for its customer services and mortgage product in 2008.

On 8 October 2008 the UK Treasury used the Banking (Special Provisions) Act 2008 to transfer the Kaupthing Singer & Friedlander Kaupthing Edge deposit business to ING Direct.[17]. Through this, ING Direct took over responsibility for £2.5 billion of deposits of 160,000 UK customers with the Icelandic bank Kaupthing Edge. This transfer created controversy as ING refused to accept the terms of Fixed Rate Deposits made by some 2300 UK customers in Kaupthing Edge.[18][19].

[edit] Services

* Guaranteed investment account
* Home insurance
* Fixed-rate savings account (at certain times)
* Mini Cash ISA
* Mortgages
* Savings account

[edit] ING Direct Australia

Launching in Australia in 1999, ING Direct introduced online savings accounts in that country.

Whilst initially offering leading interest rates, ING Direct has since been overtaken by several other competitors with better rates. [20]

The company's operations are regulated by the Australian Prudential Regulation Authority and the Australian Securities and Investments Commission, Federal Government regulators. ING Direct is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823.

In October 2008, ING Direct suffered a $749 million outflow of deposit funds.

In January 2009, ING Direct had to cut jobs due to issues with its mortgage debt.[21]

qwer2003 · Aug 3rd, 2009, 09:42

3% TFSA

qwer2003 · Aug 4th, 2009, 19:02

upupupp

qwer2003 · Aug 8th, 2009, 18:18

upupup

LivingInMississauga · Aug 8th, 2009, 19:22

你也够可以的，就不能少顶俩下？

qwer2003 · Aug 11th, 2009, 23:41

楼上的实在不好意思啊，经济危机了

qwer2003 · Aug 14th, 2009, 20:27

upuppuup

qwer2003 · Aug 19th, 2009, 12:31

upupup

王猛. · Aug 21st, 2009, 17:19

据我所知，TFSA 账户全年N次转入的总金额不能超过5000（不论转出了多少）。

不是象lz 说的可以在TFSA 账户和其他账户之间任意、无限次的转账。

qwer2003 · Aug 21st, 2009, 20:45

引用:

作者: 王猛.

据我所知，TFSA 账户全年N次转入的总金额不能超过5000（不论转出了多少）。

不是象lz 说的可以在TFSA 账户和其他账户之间任意、无限次的转账。

哦，对德，本来我写这篇文章是针对ISA账户写的，但是由于最近TFSA利息高，所以就用改称TFSA了。
TFSA转账加拿大政府是有严格规定的，ISA是可以任意、无限次的转账

Aug 2nd, 2009, 19:03	#1
qwer2003 Member 注册日期: May 2009 帖子: 93	加拿大最好的活期利率介绍一下省钱+白赚25块钱奖金的办法。其实不少人都不小心在自己的支票账户(chequingaccount)里面放了不少钱，有的是有意留着以备急用，有得就是刚发的工资。可是不知道你想过没有，假设你的支票帐户总是保持5000块，这些钱如果存起来1年的利息就是150多块。现在金融危机，省一点是一点，为什么要白白损失150块呢。在加拿大呆久了的朋友都知道INGDirect,他就是一种活期账户,3%的利息(TFSA),跟你现有的支票账户通过电子方式连起来，钱暂时不需要的时候就转到INGDIRECT赚利息,需要钱的时候只需要等一到两天.钱就可以从INGDIRECT转回支票账户。. 那位朋友说了,我的钱存在ING安全么？您尽管放心，ING总部在荷兰,截至2008年，它已经是全球第9大公司。截至2007年INGDIRECT加拿大分行已经有150万用户，存款额达到230亿。INGDIRECT加拿大分行也是受 CanadaDepositInsuranceCorporation保护的,10万以下的存款都有破产保护,跟加拿大的主要银行享受同样的待遇.他就是以这种不设分行的方式,才能给那么好的利率,而且 INGDIRECT也不是取代支票账户的,是一个很好的补充。开账户也很简单，只要登陆网站 http://www.ingdirect.ca/referafriend/ 然后填写个人信息提出申请，欢迎使用我的推荐码（orange key） 15590659S1，可以拿到$25块钱的奖金。如果你能介绍50个朋友，也就可以拿到2000块奖金。注意申请者需有SIN。 ING DIRECT的所有利率情况如下： Investment Savings Account (ISA) 1.35% US$ Investment Savings Account (ISA) 0.75% RSP Investment Savings Account (RISA) 1.35% Tax-Free Investment Savings Account (TFSA) 3.00% Children's Savings Account 1.35% Business Investment Savings Account 1.35% US$ Business Investment Savings Account 0.75% Guaranteed Investment (GIC) - 1 Year 1.25% Guaranteed Investment (GIC) - 1 ½ Year 1.50% Guaranteed Investment (GIC) - 2 Year 2.00% Guaranteed Investment (GIC) - 3 Year 2.50% Guaranteed Investment (GIC) - 4 Year 2.50% Guaranteed Investment (GIC) - 5 Year 3.25% US$ Guaranteed Investment (GIC) - 1 Year 1.00% US$ Guaranteed Investment (GIC) - 1 ½ Year 1.10% US$ Guaranteed Investment (GIC) - 2 Year 1.25% US$ Guaranteed Investment (GIC) - 3 Year 2.00% US$ Guaranteed Investment (GIC) - 4 Year 2.00% US$ Guaranteed Investment (GIC) - 5 Year 2.00% Short Term Guaranteed Investment (GIC) - 90 Days 0.50% Short Term Guaranteed Investment (GIC) - 180 Days 0.50% Short Term Guaranteed Investment (GIC) - 270 Days 0.50% US$ Short Term Guaranteed Investment (GIC) - 90 Days 0.80% US$ Short Term Guaranteed Investment (GIC) - 180 Days 1.00% US$ Short Term Guaranteed Investment (GIC) - 270 Days 1.00% Business Guaranteed Investment (GIC) - 1 Year 1.25% Business Guaranteed Investment (GIC) - 1 ½ Year 1.50% Business Guaranteed Investment (GIC) - 2 Year 2.00% Business Guaranteed Investment (GIC) - 3 Year 2.50% Business Guaranteed Investment (GIC) - 4 Year 2.50% Business Guaranteed Investment (GIC) - 5 Year 3.25% US$ Business Guaranteed Investment (GIC) - 1 Year 1.00% US$ Business Guaranteed Investment (GIC) - 1 ½ Year 1.10% US$ Business Guaranteed Investment (GIC) - 2 Year 1.25% US$ Business Guaranteed Investment (GIC) - 3 Year 2.00% US$ Business Guaranteed Investment (GIC) - 4 Year 2.00% US$ Business Guaranteed Investment (GIC) - 5 Year 2.00% Business Short Term Guaranteed Investment (GIC) - 90 Days 0.50% Business Short Term Guaranteed Investment (GIC) - 180 Days 0.50% Business Short Term Guaranteed Investment (GIC) - 270 Days 0.50% US$ Business Short Term Guaranteed Investment (GIC) - 90 Days 0.80% US$ Business Short Term Guaranteed Investment (GIC) - 180 Days 1.00% US$ Business Short Term Guaranteed Investment (GIC) - 270 Days 1.00% RSP Guaranteed Investment (RGIC) - 1 Year 1.25% RSP Guaranteed Investment (RGIC) - 1 ½ Year 1.50% RSP Guaranteed Investment (RGIC) - 2 Year 2.00% RSP Guaranteed Investment (RGIC) - 3 Year 2.50% RSP Guaranteed Investment (RGIC) - 4 Year 2.50% RSP Guaranteed Investment (RGIC) - 5 Year 3.25% Short Term RSP Guaranteed Investment (RGIC) - 90 Days 0.50% Short Term RSP Guaranteed Investment (RGIC) - 180 Days 0.50% Short Term RSP Guaranteed Investment (RGIC) - 270 Days 0.50% Tax-Free Guaranteed Investment (GIC) - 1 Year 1.25% Tax-Free Guaranteed Investment (GIC) - 1 ½ Year 1.50% Tax-Free Guaranteed Investment (GIC) - 2 Year 2.00% Tax-Free Guaranteed Investment (GIC) - 3 Year 2.50% Tax-Free Guaranteed Investment (GIC) - 4 Year 2.50% Tax-Free Guaranteed Investment (GIC) - 5 Year 3.25% Tax-Free Short Term Guaranteed Investment (GIC) - 90 Days 0.50% Tax-Free Short Term Guaranteed Investment (GIC) - 180 Days 0.50% Tax-Free Short Term Guaranteed Investment (GIC) - 270 Days 0.50% Credit Account as low as 3.95% unmortgage - 1 Year 3.39% unmortgage - 2 Year 3.59% unmortgage - 3 Year 3.65% unmortgage - 4 Year 4.09% unmortgage - 5 Year 4.49% unmortgage - 7 Year 5.50% unmortgage - 10 Year 5.50% unmortgage - 5 year variable
qwer2003 Member 注册日期: May 2009 帖子: 93

Aug 2nd, 2009, 19:03	只看该作者 #2
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	http://en.wikipedia.org/wiki/ING_Group ING Group N.V. (NYSE: ING, Euronext: INGA) is a financial institution of Dutch origin offering banking, insurance and asset management services. ING is an abbreviation of Internationale Nederlanden Groep (English: International Netherlands Group). As of 2009, ING Group covers 85 million private, corporate and institutional clients in over 40 countries with a workforce of over 125,000 people. It owns ING Direct, a virtual bank with operations in Australia, Canada, Italy, Spain, UK, US and elsewhere. In the 2008 Forbes Global 2000, ING was the ninth-largest company in the world. Contents [hide] * 1 International operations * 2 Advertising and sponsorship * 3 Headquarters * 4 History * 5 Investigations into investment and business practices * 6 Recent troubles o 6.1 Capital Injection o 6.2 Layoffs * 7 ING Direct o 7.1 ING Direct Canada o 7.2 ING Direct United States + 7.2.1 ING Direct Cafes + 7.2.2 Services o 7.3 ING Direct UK + 7.3.1 Services o 7.4 ING Direct Australia + 7.4.1 Services * 8 See also * 9 References * 10 External links [edit] International operations ING has offices in * Australia * Austria * Belgium * Bulgaria * Canada * Chile * China * Colombia * Czech Republic * France * Germany * Greece * Hong Kong * Hungary * India * Indonesia * Italy * Japan * Malaysia * Mexico * the Netherlands * New Zealand * Peru * the Philippines * Poland * Romania * Singapore * South Korea * Spain * Taiwan * Turkey * Thailand * The United Kingdom * The United States [edit] Advertising and sponsorship ING began sponsoring the Renault Formula One team in 2007, and also has a large amount of trackside advertising and race sponsorship deals. ING's Canadian commercials feature Dutch actor Frederik de Groot. In Australia, they feature Scottish comedian Billy Connolly. From 2007, ING became the title sponsor of the Renault Formula One team. This will continue until at least 2009. In November 2006, ING was announced as the naming rights sponsor of the Australian Grand Prix and Belgian Grand Prix in a three-year deal; The "ING Australian Grand Prix" was the first race in the 2007 season. ING has also become the title sponsor of the Hungarian Grand Prix, making it the "ING Magyar Nagydíj", the "2007 ING Belgian Grand Prix" and in 2009, the title sponsor of the Turkish Grand Prix as the company rebrands Oyak Bank. Regarding their Formula One sponsorship, ING announced on February 16, 2009 that "In light of the recently announced cost reduction programme, ING confirmed that it would not renew the three year sponsorship (2007-2009) contract with Renault F1 and to end its presence in F1 beyond the 2009 season," a statement from ING read. "ING's participation in Formula One was the company's first global sponsorship project aimed at delivering revenue and raising the global brand awareness, particularly in ING's key growth markets. "Over the past two years, ING has successfully achieved its objectives for the F1 sponsorship, raising its overall global brand awareness by 16% (March 7 vs November 8). "F1 remains a powerful business driver even in a difficult economic climate. Whilst ING has cut the F1 sponsorship costs by 40% in the final year, revenue generating opportunities will be a continuing focus through 2009. "ING has enjoyed the relationship with Renault F1 and will continue to work closely with the team during the final year of the partnership." For several years, ING has been the title sponsor of the New York City Marathon and the San Francisco famous Bay to Breakers. This sponsorship deal will continue until 2010. ING is also a major sponsor of football, sponsoring the Dutch National Soccer Team and the AFC [2]. ING House, ING headquarters in Amsterdam Part of ING at night in Minneapolis in the United States [edit] Headquarters ING House, ING's headquarters, is located near Schiphol airport in Amsterdam. Designed by Roberto Meyer and Jeroen van Schooten, the light-infused building features loggias, patios and interior gardens. The edifice is supported by posts of 9 to 12 meters (30 to 39ft). It is considered an autonomous building. [edit] History * 1990: The newly formed company, first called Internationale Nederlanden Groep, later ING Group, was created from the merger of Nationale-Nederlanden and NMB Postbank Group. * 1991: Nationale-Nederlanden changes to ING Nationale-Nederlanden * 1991: ING financial group entered the Czech market * 1994: ING opened first ING Bank in Romania * 1995: ING acquired investment bank and investment management firm Barings after its collapse (in the process, it also obtained the original sales document of the Louisiana Purchase) * 1997: ING acquired insurer Equitable of Iowa Companies * 1997: ING opened ING Direct Canada www.ingdirect.ca * 1998: ING acquired Banque Bruxelles Lambert (BBL) of Belgium * 1999: ING acquired BHF-Bank of Germany, opened ING Direct Spain * 2000: ING acquired US insurers ReliaStar, Aetna Financial Services and Aetna International * 2000: ING opened ING Direct USA * 2001: ING acquired Bank Śląski of Poland, and insurer Seguros Comercial America of Mexico * 2002: ING acquired DiBa bank of Germany * 2004: ING Insurance Company of Canada acquired Allianz Canada * 2004: ING sold BHF-Bank of Germany to Sal. Oppenheim * 2005: ING acquired a 19.9% stake in Bank of Beijing; which was later diluted to 16.07% after the company listed in Shanghai * 2006: ING opened ING Life Bulgaria, a branch of ING Life Hungary * 2007: ING acquired the domestic asset management operations of ABN AMRO Asset Management in Taiwan * 2007: ING acquired Oyak bank of Turkey * 2007: ING launched its first variable annuities product for the European market in Spain * 2007: ING acquired US web-based stock brokerage firm ShareBuilder * 2007: ING acquired Landmark Asset Management Company of South Korea * 2007: ING acquired a 30% stake in TMB Bank, Thailand * 2008: ING sold ING Seguros in Mexico * 2008: ING acquired CitiStreet in the USA * 2008: ING launched retail banking in the Ukraine * 2008: ING acquired the voluntary pension fund Oyak Emeklilik in Turkey * 2008: ING sold its life insurance business in Taiwan * 2008: ING Group, in a move to increase its Tier-One capital ratio, accepts a €10 billion capital injection from the Dutch government. * 2009: In order to save 1.4 billion Euros, ING announced that they would be cutting about 7,000 employees from their payroll. The CEO, Michel Tilmant, also resigned[3]. * 2009: ING Group sold all of its ownership stake in ING Canada (Property & Casualty Insurer operating in Canada).[4][5] [edit] Investigations into investment and business practices Over the past several years, the ING Group has come under scrutiny over the ethics of some of their business practices in the U.S. In October 2005, the National Association of Securities Dealers (NASD), the leading private-sector provider of financial regulatory services in the United States, ordered ING Funds Distributor (IFD) to pay fines of $1.5 million for permitting improper market timing in ING funds and related violations, $1.4 million in restitution to affected mutual funds, and a $25,000 fine and 30-day supervisory suspension on an IFD supervisor.[6] [edit] Recent troubles [edit] Capital Injection On Sunday October 19, 2008, in a move to increase its core Tier 1 capital ratio to above 8%, ING Group accepted a capital injection plan by the Dutch Government. The plan will supply €10 billion (US$13.5 billion) into the operation, in exchange for securities, and veto rights on major operations and investments[7]. Wouter Bos, the Dutch finance minister, said that this was done as a means of fortifying the bank as the bank is in a sound financial state, to weather the financial crisis. Management said that the capital injection shall have no dilutive impact to existing shareholders. As part of the 'loan' agreement, two government advisers have been appointed to the supervisory board. [edit] Layoffs In January 2009, ING announced plans to cut 7,000 jobs[8] and its CEO stepped down[9]. [edit] ING Direct ING Group global locations ING Direct is ING Group's marketing name for a branchless direct bank with operations in Australia, Canada, France, Germany (branded ING-DiBa), Austria (branded ING-DiBa), Italy, Spain, the United Kingdom and the United States. It offers services over the Internet, phone, ATM or by mail. [edit] ING Direct Canada ING Direct Canada was founded in 1997. ING Direct Canada opened four cafés in major cities of Toronto, Montréal, Calgary and Vancouver[10]. It offers * Non-RSP-eligible personal and business investment savings accounts * RSP-eligible investment savings account * Tax-free investment savings account (starting January 2009) * US dollar personal and business investment savings accounts * Mutual funds * Guaranteed investment certificate * RSP-eligible guaranteed investment certificate * Mortgages * Lines of credit * Internet banking ING Direct Canada is a member of the Canadian Bankers Association (CBA) and registered member with the Canada Deposit Insurance Corporation (CDIC), a federal agency insuring deposits at all of Canada's chartered banks. [edit] ING Direct United States ING Direct was founded in 2000, with its headquarters in Wilmington, Delaware. ING Direct is a member of the Federal Deposit Insurance Corporation (FDIC). In September 2007, ING Direct acquired 104,000 customers and FDIC insured assets from a failed virtual bank NetBank.[11][12] Migration from NetBank to ING Direct was not smooth, prompting hundreds of fearful customers from former NetBank to complain, saturating ING Direct customer support phone lines. The bank lost many customers as a consequence.[13][14][15] [edit] ING Direct Cafes The ING Direct Cafe in St. Cloud, MN, USA In March 2001, ING Direct opened cafes in 6 cities: Chicago, IL, Philadelphia, PA, Los Angeles, CA, New York City, NY, St. Cloud, MN, and Wilmington, DE, each serving Peet's Coffee. New cafes were opened in Chicago, IL (Summer 2007), St. Cloud, MN (2008), and Waikiki, Honolulu, Hawai'i (November 2008). Inside the cafes, ING Direct has several internet terminals that allow their account-holders to check on the status on their ING Direct accounts and surf the internet free of charge. The cafes often feature seminars on financial topics such as money management, handling one's retirement, mortgages, and credit management. [edit] Services * Savings (Orange Savings Account) * Checking (Electric Orange) * Certificates of Deposit (Orange Certificate of Deposit) * Mortgages (Orange Mortgage) * Home Equity Line of Credit (Orange Home Equity Line of Credit) * Mutual Funds (Orange Investment Account) * Business Accounts (Business Savings Account/Business Savings CD/Builder Finance Loans) [edit] ING Direct UK ING Direct began operations in the UK in May 2003 and, at one point, had in excess of 1 million customers. Its failure to increase its interest rates following a series of base rate rises in 2007, however, led to a loss of customers.[16] After raising its rates in 2008 the direct bank has rebuilt its customer base and once again sits above one million savers. Operations are based in Reading, where the company head office is situated as well as an office based in the city of Cardiff. The bank also picked up awards for its customer services and mortgage product in 2008. On 8 October 2008 the UK Treasury used the Banking (Special Provisions) Act 2008 to transfer the Kaupthing Singer & Friedlander Kaupthing Edge deposit business to ING Direct.[17]. Through this, ING Direct took over responsibility for £2.5 billion of deposits of 160,000 UK customers with the Icelandic bank Kaupthing Edge. This transfer created controversy as ING refused to accept the terms of Fixed Rate Deposits made by some 2300 UK customers in Kaupthing Edge.[18][19]. [edit] Services * Guaranteed investment account * Home insurance * Fixed-rate savings account (at certain times) * Mini Cash ISA * Mortgages * Savings account [edit] ING Direct Australia Launching in Australia in 1999, ING Direct introduced online savings accounts in that country. Whilst initially offering leading interest rates, ING Direct has since been overtaken by several other competitors with better rates. [20] The company's operations are regulated by the Australian Prudential Regulation Authority and the Australian Securities and Investments Commission, Federal Government regulators. ING Direct is a division of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823. In October 2008, ING Direct suffered a $749 million outflow of deposit funds. In January 2009, ING Direct had to cut jobs due to issues with its mortgage debt.[21]
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 3rd, 2009, 09:42	只看该作者 #3
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	3% TFSA
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 4th, 2009, 19:02	只看该作者 #4
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	upupupp
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 8th, 2009, 18:18	只看该作者 #5
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	upupup
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 8th, 2009, 19:22	只看该作者 #6
LivingInMississauga Senior Member 注册日期: Aug 2004 帖子: 512 声望: 28378275	你也够可以的，就不能少顶俩下？

Aug 11th, 2009, 23:41	只看该作者 #7
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	楼上的实在不好意思啊，经济危机了
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 14th, 2009, 20:27	只看该作者 #8
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	upuppuup
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 19th, 2009, 12:31	只看该作者 #9
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0	upppu upupup
qwer2003 Member 注册日期: May 2009 帖子: 93 声望: 0

Aug 21st, 2009, 17:19	只看该作者 #10
王猛. Junior Member 注册日期: Jul 2009 帖子: 14 声望: 0	据我所知，TFSA 账户全年N次转入的总金额不能超过5000（不论转出了多少）。不是象lz 说的可以在TFSA 账户和其他账户之间任意、无限次的转账。
王猛. Junior Member 注册日期: Jul 2009 帖子: 14 声望: 0