Personal Finance

How to Build Credit as A new Immigrant

How to Build Credit as A new Immigrant

If you recently arrived in Canada, you’re likely wondering how to build credit as a new immigrant? The process of building a credit history and credit score in Canada is easy. However, depending on your circumstances, getting a good credit score may take some time. Regardless of your situation, building your credit score in Canada…

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How to transfer your TFSA

How to Transfer Your TFSA to Another Financial Institution

Have you ever wondered how to transfer your TFSA to another financial institution? Just like transferring your RRSP, it’s a simple process, but due to contribution limits, there are a few other things to consider when moving your Tax-Free Savings Account. To be clear, there are no tax consequences if you’re transferring your funds from…

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PC Optimum Insiders review

PC Optimum Insiders Review | Get 25,000 points ($25) for free

PC Optimum Insiders (formerly known as PC Insiders) has been around for a few years now, and many members (myself included) swear by it. The ability to earn additional PC Optimum points and all the extra perks easily made the annual fee worth it. However, the biggest complaint about the program was that it didn’t…

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Afterpay review

Afterpay Review

If you have been doing online shopping recently in Canada, you may have noticed Afterpay as a payment option with select retailers. Afterpay is new to Canada (they’ve been in other countries for years) and allows you to make your purchases now while paying later. The concept of buy now, pay later, is nothing new,…

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How to Ask for a Raise

How to Ask for a Raise | 6 Tips to get you paid

I worked in television for nearly two decades and I only asked for a raise once. My boss quickly denied me without having much of a conversation about it. To be fair, I was already at the top of my pay scale and I worked in a union position. That said, I knew for a…

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Should You Lend Money to Friends or Family

Should You Lend Money to Friends or Family?

One of the most common questions I get is should you lend money to family or friends? Generally speaking, I’d advise against it, but I understand it’s a complicated situation. You want to help if you can, but at the same time, money can ruin relationships. I personally have been burned twice lending money to…

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The Best High-Interest Savings Accounts in Canada

With Canada having some of its lowest interest rates in the last decade the thought of a high-interest savings accounts in Canada may seem absurd. To complicate things, there are so many different banks in Canada and they all have various accounts that come with different features. If you’re not aware of what to look…

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How to Apply for the CERS benefit

Canada Emergency Rent Subsidy (CERS) | How to Apply for CERS

The Canada Emergency Rent Subsidy (CERS) was recently announced and will replace the Canada Emergency Commercial Rent Assistance (CECRA) program. The CERS will be similar to the CECRA in the sense that it’ll provide rent relief for small business owners, but the updated version is much better since it allows you to bypass landlords for…

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Best Before vs. Expiry Date: What’s the difference?

As a shopper, it is easy to be confused between the best before dates and expiration dates. Quite often people think that they’re the same thing and end up throwing out food that may still be good. This is an obvious problem as you’re creating food waste for no reason. Knowing which foods have expiration…

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How much does business insurance cost

How much does business insurance cost?

If you’re a small business owner, you’ve likely thought about insurance. The question is, how much does business insurance cost? It depends on many factors such as the type of business you operate, how many employees you have, and how much insurance you need. While this may sound complicated, it’s important to protect you and…

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