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I recommend Freedom Mobile for the phone and CIBC for the bank. However as Xylene said, it really is a matter of personal preference. I recommend Freedom Mobile because they offer a good amount of data for a low price. However, it includes free calls so if you want a package that does not...

I've done a bit of a travel cost analysis here in my blog. I compare the cost of owning a car when you first arrive and the cost of taking the TTC. There are some other options such as Car Sharing and Ride sharing. Toronto is really good as well, in downtown they even have some city bicycles...