Posts by Barry Choi
6 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…
Read MoreWhat is Life Insurance? Coverage and costs
Have you ever wondered what is life insurance? It’s a product that ensure that your loved ones are taken care of if you were to suddenly pass, but not many people like to talk about it. Some people believe that talking about your death will bring it closer to reality, but that’s just silly. Any…
Read MoreThe Cost of Raising a Child in Canada
Before my daughter was born, I often asked myself and my friends, how much does it cost to raise a child in Canada? Most estimates for the cost of raising a child in Canada are in the $10,000 – $15,000 a year range until the age of 18 in Canada. That seemed a bit high,…
Read MoreWhat is Universal Life Insurance?
Universal life insurance is a type of permanent life insurance. It is lauded for being more flexible than other options, such as whole life insurance. However, while some view it as an investment strategy, others warn that the overall cost may outweigh the cash value. So, before you jump on board, here’s what you should…
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