Balance Protector RBC: Why you likely don’t need BalanceProtector Max
Money We Have » Personal Finance
by Barry Choi
23h ago
Whenever you activate a credit card with RBC, you’ll be prompted to add BalanceProtector Max. At first glance, BalanceProtector Max may seem like a good idea since it’s designed to cover you in the event of a job loss, disability, or even loss of life. Regardless of your life event, Balance Protector RBC will cover your monthly bill so you don’t go into debt. The problem is that BalanceProtector insurance is incredibly expensive, and better options exist. To make an informed decision about this type of insurance and if you need it, you need to know the ins and outs. What is Balance Protector R ..read more
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37 Best Birthday Freebies in Calgary
Money We Have » Personal Finance
by Barry Choi
6d ago
From complimentary meals to free samples, the best birthday freebies in Calgary are a great way to celebrate your big day without damaging your wallet. Best of all, some of these freebies are available for a few weeks, so there’s plenty of time to plan your attack. Whether you’re looking for free breakfast on your actual birthday or multiple bubble teas during your birthday week, the rewards are easy to redeem. All you need to do is have your ID handy and know what’s available so you can enjoy the best Birthday freebies in Calgary. The best birthday freebies in Calgary A surprising number of r ..read more
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Paysimply Review | Pay your taxes and bills with credit cards
Money We Have » Personal Finance
by Barry Choi
1M ago
Paying your income taxes, city taxes, or hydro bills with a credit card may not seem like a good idea since you’re usually charged a fee for the service. However, since many credit cards require you to spend a minimum amount to get the welcome bonus, it can be a lucrative solution even when factoring in the fee. Best of all, one company makes it all possible – paysimply.ca. What is Paysimply.ca? Paysimply.ca is an online service that takes credit card payments – for a fee – and converts them into electronic bank transfers that the suppliers accept. This allows you to pay bills that typically o ..read more
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Credit Card Size: Understanding Dimensions and Standards
Money We Have » Personal Finance
by Barry Choi
1M ago
Have you ever wondered if all credit card sizes are the same? You would think with so many different financial institutions around the world, there wouldn’t be universal dimensions. However, credit card sizes are actually governed by the International Organization for Standardization (ISO), which ensures that your credit card will fit seamlessly into wallets and card readers globally. While each credit card provider may have different features, benefits, and security measures, the standard size of credit and debit cards is known as ID-1. Having this type of standardization is essential since y ..read more
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4 Steps to a Worry Free Retirement
Money We Have » Personal Finance
by Barry Choi
1M ago
Today’s post comes from my friend Kyle Prevost over at MillionDollarJourney.ca. He recently created an inexpensive retirement course that can help you plan out your financial future. Many people wonder if these investment courses are worth it, so here’s Kyle explaining how his course works and the value you get. *** “Will I be OK in Retirement?” “Do I really need $1.7 Million to retire?!” “When do I have to start worrying about this stuff – will I ever be financially prepared for full retirement? In response to questions like this, most mutual fund salespeople from major Canadian financial ins ..read more
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Why You May Wish to Own a U.S. Dollar Investment Account
Money We Have » Personal Finance
by Guest
1M ago
Over the years, a lot of people have asked me if it’s worth opening a U.S. dollar investment account. I couldn’t really comment on this as I didn’t really have a solid argument for the pros and cons. Instead, I just told people that I didn’t want to bother with one since I preferred to keep my investing accounts simple. That said, I know U.S. dollar investment accounts can be useful, so I had James Gauthier, Chief Investment Officer at Justwealth explain things in this guest post. ** Many Canadians are aware that you can open a U.S. dollar bank account at most Canadian financial institutions ..read more
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Small Business Insurance Explained
Money We Have » Personal Finance
by Barry Choi
1M ago
It was 10 years ago when I became a small business owner. I started small with this blog, but over the years, I’ve become a media consultant, freelance writer, brand ambassador and more. While growing my business, I’ve made a few mistakes but learned from them. I would argue that my biggest mistake was not having enough insurance. I only looked into it because one of my clients required me to have a policy before I could be onboarded. It seems like I’m not the only one with this thinking, as a recent TD Survey found that many freelancers, entrepreneurs, and small business owners haven’t taken ..read more
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Scams on Kijiji: How to avoid being a victim
Money We Have » Personal Finance
by Barry Choi
2M ago
Without a doubt, Kijiji is one of Canada’s most popular online classified websites. From baby gear to cars, you can buy just about anything second-hand – or new – on Kijiji. With prices often being heavily discounted, it’s no surprise that many people enjoy shopping on the site. The problem is that the very features that make Kijiji user-friendly and accessible also attract fraudulent activity. Scammers prey on unsuspecting users, exploiting the trust and hopes of those looking to get a deal or selling their stuff. Since scammers often use sophisticated tactics to create the illusion of legiti ..read more
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DIY Investing: All-in-one ETFs
Money We Have » Personal Finance
by Sandy Yong
7M ago
With thousands of exchange-traded funds (ETFs) and index funds available in the market, it can be dizzying trying to determine which are the most suitable for your investor type. No one can predict which industries or companies will perform well— especially in the long term. So, how are you supposed to figure out an easy way to invest while keeping costs down and without rebalancing your portfolio? Look no further as the all-in-one ETFs (a.k.a. asset allocation ETFs) may be the answer for you. We’ll explain what is an all-in-one ETF, which companies offer them and the benefits of having it in ..read more
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Tims Rewards Guide | Maximize your points
Money We Have » Personal Finance
by Hannah Logan
8M ago
When it comes to Canada, several things come to mind. Snow, maple syrup, hockey, and of course, Tim Hortons. Tim Hortons is a Canadian staple and has been for decades, with some menu items such as a ‘double-double’ and ‘Timbits’ even becoming part of our everyday language. For many Canadians, it’s also a part of their daily (or at least weekly). If that sounds like you, then you should probably be a part of the Tims Rewards program. This Tims Rewards guide will go over the ins and outs of the loyalty program so you can maximize your points. What is the Tims Rewards program? Tims Rewards is the ..read more
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