TD Rewards Guide | How to maximize your points
TD Rewards is obviously Toronto-Dominion Bank’s travel loyalty points program, but not many people are familiar since it’s overshadowed by Aeroplan. It seems odd that Aeroplan would get more attention, but the TD Aeroplan Visa Infinite Card is one of the most popular travel credit cards, so it shouldn’t be a huge surprise. As far as TD Rewards…
Read MoreWhat’s the Right Number of Credit Cards
Many people ask me what the right number of credit cards to have is, but there is no universal perfect number. The ideal number varies based on individual financial situations, spending habits, and financial/travel goals. While some may prefer one or two cards, others may benefit from several cards for various purposes, such as earning…
Read MoreAeroplan Family Sharing Explained
Aeroplan Family Sharing is a feature available to Aeroplan members since 2021. The idea is that instead of earning and redeeming points individually, you can do so with family members under the Aeroplan program. The advantage of this perk is that you’ll be able to use points accumulated as a group much quicker. How Aeroplan family…
Read More6 Lesser Known Aeroplan Tips to Maximize Your Travel Rewards
Aeroplan, Air Canada’s loyalty program, is one of my favourites because it offers me value and unique ways to save money on travel. Recently, I booked my family on a quick trip to Vancouver, and I found a great deal on flights when using my points. While frequent flyers are familiar with basic redemption strategies,…
Read MoreDoes Applying for Credit Cards Hurt Your Credit Score
When used responsibly, credit cards can enhance your credit score over time. Responsible usage includes paying off your balance on time, keeping your credit utilization low, and maintaining a healthy mix of credit types. However, many people wonder if applying for a credit card hurts your credit score. While it’s true that a new application…
Read MoreAmerican Express Aeroplan Reserve Card Review | Get up to 85,000 points
In my American Express Aeroplan Reserve Card Review, I’m going to go over all the details about why this card has quickly become one of the best travel credit cards in Canada. Not only does this card typically come with a generous welcome bonus, but the included benefits will make you feel like a VIP whenever you…
Read MoreAmerican Express Cobalt Review
The American Express Cobalt is the best credit card in Canada if you want to earn points quickly. Simply put, it has some of the highest earning rates for multiple categories. Combine that with the fact that American Express Membership Rewards is the most flexible rewards program, and you’ve got the perfect combination. While it’s…
Read MoreAmerican Express Gold Rewards Card Review | Get up to 70,000 points
I’ve got you covered if you’re looking for an American Express Gold Rewards Card review. Although the card now has a higher annual fee than similar cards, the benefits you get are arguably better. Oddly enough, some would argue that what sets this card apart is that it’s a metal credit card and comes in…
Read MoreMarriott Bonvoy Amex Canada Review | 55,000 points welcome offer
Are you looking for a Marriott Bonvoy Amex review? I’ve got you covered. Simply put, the Marriott Bonvoy American Express Card should be in every traveller’s wallet. You get a high earning rate, a free annual night certificate worth up to 35,000 points, and Gold Elite Status with Marriott Bonvoy. It’s easy to see why…
Read MoreWhat is Term Life Insurance?
If you’ve recently bought a home, had a baby, or started caring for an aging parent, you might be wondering if it’s time to buy life insurance. Or, for that matter, what is term life insurance coverage? Life insurance is designed to protect your family if you die and your income disappears. Obviously, you don’t…
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