It’s possible to use your credit card intelligently to reap the rewards — and earn free stuff. A rewards credit card can be just the thing to help you earn cash back, get free stuff, and enjoy an upgraded lifestyle. However, it’s not all unicorns and rainbows. As you can see from the infographic below, [...]
CRA Warns of Fraudulent Communications
As tax season gets under way, and you organize your information and wait for the tax package from the Canadian Revenue Agency, it’s a good time to be on your toes. As always, scammers are looking for new ways to part you from your hard-earned cash. Masquerading as a legitimate government entity — and trying [...]
Start 2012 Off Right: How to Make a Spending Plan
A brand new year is upon us. For many, a new year means resolutions that they will improve their finances. Of course, the #1 rule of personal finance is to earn more than you spend. This means that you need a good idea of how much money you are making, as well as how much [...]
5 Credit Card Resolutions for the New Year
Here comes a new year! As with any new year, 2012 offers you the chance to improve your situation, no matter what that situation is. We can all improve, and we can all adopt practices that make our finances better. One of the best ways to improve your finances is to reform your credit card [...]
Helping Your Child? Understand Parental Responsibility for Debt
Many parents want to help their children get ahead financially. This is only natural. Additionally, it is important to teach your children about credit cards and about other money matters. However, as you work to teach your child important lessons, don’t forget that you might be on the hook for your child’s debt. Authorized User: [...]
Merry Christmas! Now, Take a Step Back from the Materialism
It’s Christmas Eve day, and everything finally seems to be done for the holidays. But, as I look at the glittering tree, I think that it’s time to take step back and think about something other than presents. Indeed, due to the economic times we live in, some have been downsizing Christmas and even waiting until [...]
Canadian Household Debt Swells Beyond U.S. Household Debt
You know you have a debt problem when your country’s household debt moves beyond the debt held by households in the United States. Unfortunately, according to the Globe and Mail, that’s what has happened in Canada. Canadians have set a new record for household debt levels, and the current levels surpass what is seen right [...]
Is Your Teen Ready to Use Credit Cards Responsibly?
You know that your teenager needs a good financial education. That means that you need to teach him or her about the appropriate use of credit cards. Indeed, as you teach your children about credit, you might be interested in giving your teen a credit card. Before you make the decision to authorize your teen [...]
RBC Student Rewards Visa Credit Cards
One of the difficulties, as a student, is finding rewards cards that apply. RBC offers rewards cards aimed at students, though, offering three different card options that you can choose from, depending on your needs: RBC Rewards Visa Gold This basic rewards card has no annual fee. You receive one point for every $2 you [...]
The Gift of Good Finances: Financial Giving this Christmas
While there are few experiences that can match the pleasure felt in opening a brightly wrapped gift. However, that memory soon fades. What if you could give something that would benefit the recipient for the rest of his or her life? This is something to consider when giving gifts this holiday season. Financial gifts can [...]
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Kristi: I watch my son with house to sell in the US and no...
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