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   MSGID: 1063.canada@1:2320/105 2d64a35b   
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   BBSID: CAPCITY2   
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   FORMAT: flowed   
   RM> i.e..  I saw that there is a $1.50 fee for eMailing funds   
   RM> to someone but I've never been charged for doing that,   
   RM> either because of the number of accounts I have or because   
   RM> I'm a 'senior'..   
      
   AA>Some banks offer X-number of eTransfers for free.  Then, there   
     >is a charge for exceeded that.   
      
   I have at times needed to transfer say $10,000 from home ASAP   
   and done it by eTransferring the maximum daily amount for 4   
   consecutive days and not run into that. I'm sure there is a   
   monthly limit to go along with that daily limit ($3000) but   
   so far I've been okay on that.   
      
   Looking online they say most limit you to $3000 or $4000 a day,   
   $10,000 a week and $20,000 a month. You can request that be   
   increased though I hear, maybe just for one transaction..   
      
   AA>Most banks offer no fees for any db or etransfer transaction if   
     >you maintain a minimum $XXXX monthly balance.  A rich boy like   
     >you probably satisfies the latter requirement.   
      
   Actually for most of my life I have kept only a couple of   
   hundred dollars in my chequing account unless I am saving   
   up to do something requiring more than that. Money in your   
   chequing account doesn't make any interest for you so any   
   extra money I put into one investment or another.   
      
   But for many years RBC paid your monthly fee for you if you   
   were using any 3 of their banking services and, more recently,   
   CIBC changed my account to a senior's and they pay the fee for   
   me on that one. The fee is still there, you get billed for it,   
   and then they pay it for you for some reason, although RBC   
   does that the same way.   
      
   Possibly because I didn't OPEN any true senior's accounts,   
   I just got older using my old account which always had a fee   
   unless you kept a balance of $1500+ in it, as you mentioned.   
      
   AA>I'm looking to consider arranging a plain chequeing account   
     >with Scotiabank because they seem to be the only bank left that   
     >offers a "seniors" no-monthly cost and no minimum-balance plan   
     >for ages 60+ ..and a few number of transfers are free.   
      
   That's pretty much what I got at CIBC..   
   Looking online their Smart Senior's Account says 'Reduced' fees   
   on your chequing account, free drafts and money orders, and 12   
   transactions a month for free. I'm not sure I have ever done   
   more than 12 but, again, I'm not certain I have any standard   
   account there. They do things for me that are not typical fairly   
   often.  i.e.. My unsecured Line of Credit is at Prime +1.99%,   
   rather than Prime plus 3.5% or more like it is for most people..   
      
   RM> interest paid on money deposited in the bank these days,   
   RM> and the accounts that do pay something, pay 1.25% a year   
   RM> or so, hardly worth thinking about.   
      
   AA>Yeah.. the rate is pretty pathetic.  Might be better to play/   
     >invest into Bitcoin.  I just learned that Coinbase has an   
     >accessible entry to buy crypto via credit card and etransfer.   
     >Likewise, withdrawals can be arranged with etransfer.   
      
   So many Crypto plans have gone bankrupt the last few years they   
   worry me a bit. My nephew has a bit of that but he went nuts   
   buying silver instead. The return on silver has been over 100%   
   over the past 2 years so he may have had a good idea, but I feel   
   the best time to buy it was a couple of years ago, not now..   
      
   Most of my investments have made 12% to 14% a year for the   
   past few years, which is great compared to the past, but it's   
   hard to say where things are going given the ongoing confusion   
   with the American tariff war..   
      
   ---   
    * SLMR Rob  * Life is a glitched program... Marriage is Shareware   
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