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栀子花开
新手请问 CD 与Saving account的问题
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2006-12-28 15:02:00
1。请问CD 与saving account ，还有money market 有什么区别呢？ 一般是存CD 还是saving account 呢？
2。如果是PhD 学生，开saving好像还有5年免税的优惠吧。 请问需要填的那个免税表的表格是什么表呢？谢谢
CD has early withdraw penalty, but saving account normal doesn't. CD normally has a higher interest rate
以下是引用yevonna在2006-12-28 21:33:00的发言：
CD has early withdraw penalty, but saving account normal doesn't. CD normally has a higher interest rate
CD has early withdraw penalty, but saving account normal doesn't. CD normally has a higher interest rate
That's correct. However, there are certain banks offer variety of CDs that has flexibility of two (or more) no withdraw penalties.
以下是引用栀子花开在2006-12-28 15:02:00的发言：
2。如果是PhD 学生，开saving好像还有5年免税的优惠吧。 请问需要填的那个免税表的表格是什么表呢？谢谢
如果你在美小於5年，所得银行利息是不交税的。银行会在年初寄出一张1099-INT。
以下是引用yevonna在2006-12-28 21:33:00的发言：
CD has early withdraw penalty, but saving account normal doesn't. CD normally has a higher interest rate
CD has early withdraw penalty, but saving account normal doesn't. CD normally has a higher interest rate
谢谢MM 啦
以下是引用heavysnow在2006-12-29 0:14:00的发言：
如果你在美小於5年，所得银行利息是不交税的。银行会在年初寄出一张1099-INT。
thanks 。 ^_^
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