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几分钟涨大知识：人在加拿大，投资美国股市的注意事项

September 19, 2020

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We currently have 2 open positions. To apply, email jwang.kaplan@gmail.com 1) Full stack developer What will you do? As a Full Stack Software Developer you have a solid technical foundation, and a strong focus on growing your development skills; You are able to deliver small to medium-sized well-defined tasks, working individually or pairing with others and you have a small amount of experience in a well-defined area You will be part of a team creating new services and customer-facing applications using the latest technologies which will shape the future of banking for RBC; You will develop and support highly scalable, high performance APIs within an Agile development team Ensure high code quality through automated unit and functional testing Automate processes within the development pipeline; identify opportunities for efficiency gains and reducing time-to-market, and enabling continuous delivery Design and develop code structures based on technical design defined by the team Work w

加拿大的TFSA如果有频繁交易，会被CRA要求交税吗？

加拿大的TFSA（Tax-free savings account），顾名思义是一种免税账户。它的原理是投资人用自己税后的收入，投入到账户里，以后产生的收益就不用再第二次交税了。但是请注意这种账户的初衷是一种退休帐户，所以鼓励投资人进行稳健和保守的操作。但是TFSA在十几年前在加拿大开始实行以来有很多投资人进行激进的，频繁的交易。给自己带来了巨大的风险。这样显然是违背设置这种账户的初衷的。因此近年来加拿大税局（CRA），为了不鼓励利用 TFSA 进行频繁交易，开始调查一些账户。如果确定这些 TFSA 账户是用来进行大量和频繁的当日交易，那么他们会认为这个账户失去了退休账户的意义，反而变成了投资人的一个生意，所以要按business income来进行交税。讲到这里。你可能会问的下一个问题就是 “我好像也比较经常的做交易呀，那么多频繁才是频繁交易呢，我要做多少当日交易才会被CRA调查呢？” 这里要交代一个大家可能没有想到的误区了。你开户所在的券商是不会把你交易的频率报告给CRA，你的券商会在年底把你账户上的余额和你今年有contribute多少钱，报告给CRA。那么自从加拿大在十几年前实行TFSA以来，如果你每年都把钱放满并且进行稳健的交易，你现在账户上的钱可能会有八，九万，可能十万出头。如果你的数额属于特别巨大，比如25万，50万，甚至超过100万，那么显然你用TFSA进行了风险极大的操作。这个时候CRA就会联系你，要求你出示你的交易明细单。拿到交易明细以后，CRA会根据你每日做多少次交易，每一只股在手上平均拿多少天来决定是不是认定你的TFSA失去了退休帐户的意义，反而算是一个小生意。可以在这里跟大家讲的是，如果你账户上的总额没有像我刚才讲的数额那样巨大，那你基本上是不会被CRA盯上的。点此处回到博客首页。或者查看更多文章：世界永远回不去了，对很多行业是好事加拿大退休基金：最佳基金大全（投资理财必读）小常识：用加拿大券商账户炒美股的注意事项今年虽然与2000不同，但是pre-crash个股永远都有同样的特点：“信念”支撑的空中楼阁因为苹果亚马逊的表现，而认为该找一个“好股”拿一辈子，那你就犯了统计学讲的Survivorship Bias

Orbitz.com: My Review

An update in September 2013 : The following original post was published in December 2006. Years later, the information is still relevant. I have personally booked many travels with Orbitz and am quite happy. One promise I do intend to keep is to write reviews on other travel websites. So please keep an eye on my blog and come back often! Original Post: Starting with this post, I will review some websites where I usually book my travel. These reviews are completely based on my past experiences as a customer, and I do NOT endorse any merchant being reviewed, nor do I get paid directly by any merchant. Orbitz is the website I use the most to find and/or book travel. Its strengths include: It is versatile : Besides plane tickets, it lets you book hotels, cars, activities, or any combination of those. When booking flights, you can have the choice of booking round-trip, one-way or multi-city tickets. On its homepage, you can find some specially targeted deals, like "students goi

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