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16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. 5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADA As far as fee-free cards go, 1% is about average for every category so the extra 1% return that comes in on the gas and grocery categories is a nice bonus. This is a solid card to carry if you need a fee- free card. 2. Blue Sky® Credit Card from American Express. This is a great card in the no-fee category. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use WHY YOU SHOULD AVOID SCOTIA REWARDS POINTS (FOR NOW Scotia Rewards Points can be redeemed as a statement credit against a travel purchase. They are redeemed at a rate of 1 Scotia Rewards Point = $0.01, with a minimum redemption of 5,000 pts ($50). I say this is really a cash back card since the value of the rewards points is fixed and will come back to you as a statement credit.FREE LONG DISTANCE
Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the Google Voice app. 5 DESTINATIONS WHERE THE CANADIAN DOLLAR IS STILL STRONG Brazil. The FIFA World Cup and preparing for the 2016 Olympics has proven pretty rough on Brazil’s “BRIC” economy. Today the Brazilian real is suffering a real downturn and the Canadian dollar is getting about 23% more than it did around this time in 2012.If the Brazilian economy continues on this downward trend, the Olympics in 2016 might make for a great budget destination! EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISONBEST CANADIAN CREDIT CARDSSECURED CARDS 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. 8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISONBEST CANADIAN CREDIT CARDSSECURED CARDS 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. 8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. TOP 5 BEST CREDIT CARDS IN CANADA As Canadians, we are spoiled for choice when it comes to selecting a credit card. If you are looking to get a new credit card or shopping around to see what else is out there, you’ll quickly see all the differences there are between card issuers, credit card companies and the range of rewards. 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
5 BEST TRAVEL REWARDS CREDIT CARDS FOR CANADIANS There are several travel rewards points cards in the Canadian credit card market. They seem to grab a lot of attention from marketing channels in Canada but I don’t think this type of card is the ideal card for most Canadians. WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use HACKING COSTCO: WHICH MEMBERSHIP MAKES SENSE? Executive Membership = $110. (Personal Membership + 2% return) = $110. ($55 + 2% return) = $110. 2% return = $55. Some simple math shows us that we are paying $55 to get 2% return on all of our purchases. For that to make sense, you would need to spend $2750 / year at Costco. $2750 / year works out to $230 / month. WHY YOU SHOULD AVOID SCOTIA REWARDS POINTS (FOR NOW Scotia Rewards Points can be redeemed as a statement credit against a travel purchase. They are redeemed at a rate of 1 Scotia Rewards Point = $0.01, with a minimum redemption of 5,000 pts ($50). I say this is really a cash back card since the value of the rewards points is fixed and will come back to you as a statement credit. 5 DESTINATIONS WHERE THE CANADIAN DOLLAR IS STILL STRONG Brazil. The FIFA World Cup and preparing for the 2016 Olympics has proven pretty rough on Brazil’s “BRIC” economy. Today the Brazilian real is suffering a real downturn and the Canadian dollar is getting about 23% more than it did around this time in 2012.If the Brazilian economy continues on this downward trend, the Olympics in 2016 might make for a great budget destination! EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Thailand: $25 (30 days, unlimited talk/text/data; renewal for further 30 days was $15) Vietnam: $10 (90 days, unlimited talk/text/data) Australia: $40 (30 days, unlimited talk/text, 15gb of data) As you can see, in most cases above the plans came with cellular data, and in some cases unlimited data at that. EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Thailand: $25 (30 days, unlimited talk/text/data; renewal for further 30 days was $15) Vietnam: $10 (90 days, unlimited talk/text/data) Australia: $40 (30 days, unlimited talk/text, 15gb of data) As you can see, in most cases above the plans came with cellular data, and in some cases unlimited data at that. TOP 5 BEST CREDIT CARDS IN CANADA As Canadians, we are spoiled for choice when it comes to selecting a credit card. If you are looking to get a new credit card or shopping around to see what else is out there, you’ll quickly see all the differences there are between card issuers, credit card companies and the range of rewards. 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use HACKING COSTCO: WHICH MEMBERSHIP MAKES SENSE? Executive Membership = $110. (Personal Membership + 2% return) = $110. ($55 + 2% return) = $110. 2% return = $55. Some simple math shows us that we are paying $55 to get 2% return on all of our purchases. For that to make sense, you would need to spend $2750 / year at Costco. $2750 / year works out to $230 / month. 5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. WHY YOU SHOULD AVOID SCOTIA REWARDS POINTS (FOR NOW Scotia Rewards Points can be redeemed as a statement credit against a travel purchase. They are redeemed at a rate of 1 Scotia Rewards Point = $0.01, with a minimum redemption of 5,000 pts ($50). I say this is really a cash back card since the value of the rewards points is fixed and will come back to you as a statement credit. 5 DESTINATIONS WHERE THE CANADIAN DOLLAR IS STILL STRONG Brazil. The FIFA World Cup and preparing for the 2016 Olympics has proven pretty rough on Brazil’s “BRIC” economy. Today the Brazilian real is suffering a real downturn and the Canadian dollar is getting about 23% more than it did around this time in 2012. If the Brazilian economy continues on this downward trend, the Olympics in2016
16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Thailand: $25 (30 days, unlimited talk/text/data; renewal for further 30 days was $15) Vietnam: $10 (90 days, unlimited talk/text/data) Australia: $40 (30 days, unlimited talk/text, 15gb of data) As you can see, in most cases above the plans came with cellular data, and in some cases unlimited data at that. 5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. 16 BEST COUNTRIES TO VISIT WITH THE CANADIAN DOLLARSEE MORE ONCREDITWALK.CA
EASY PLACES FOR CANADIANS TO RETIRE TO Ecuador. Having long been the darling of the publication “International Living”, Ecuador is extremely popular for expat retirees. “Ecuador is one of the cheapest countries in the world to retire to and getting a residency visa is quite straightforward. There are beaches, lush highland towns, and big cities to choose from, plusretirees
5 BEST NO ANNUAL FEE CREDIT CARDS IN CANADASEE MORE ON CREDITWALK.CA 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. 0% INTEREST CREDIT CARDS: A SIDE-BY-SIDE COMPARISON 1. MBNA Platinum Plus. The MBNA Platinum Plus comes with a 0% interest rate but for balance transfers of up to one year only. They will charge you a %1 fee for the balance transfer. This is a great card to exploit for the one year 0% bonus. 8 THINGS YOU SHOULD KNOW FOR AN EARLY RETIREMENT IN CANADA 8. Top Countries To Consider. There are a few things to consider when choosing the ultimate country for your retirement. Good health facilities, low cost of living, a wide range of accommodations, western amenities, international restaurants and well stocked grocery stores (preferably Costco!) should all be on your wish list. A GUIDE TO RELOCATING TO PUERTO VALLARTA & THE RIVIERA A Sunset near Puerto Vallarta. If you’re looking for a nice apartment in a quiet area of town, you’ll want to look in old Centro (center), or Z ona Romantica (Romantic Zone). Here you’ll find modern and quaint, 1-bedroom Spanish style apartments for around $500 – $600 / month. We recommend house hunting a few hundred meters fromthe
SET UP GOOGLE VOICE IN CANADA Setting up Google Voice in Canada. Free long distance on your cell phone using mobile minutes. Free long distance on your Android phone using data. Free long distance on your iPhone using data. Get a landline with no monthly costs. Get a cell phone plan for $10 / month with unlimited calling, texting and 50mb of data. Using the GoogleVoice app.
DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Thailand: $25 (30 days, unlimited talk/text/data; renewal for further 30 days was $15) Vietnam: $10 (90 days, unlimited talk/text/data) Australia: $40 (30 days, unlimited talk/text, 15gb of data) As you can see, in most cases above the plans came with cellular data, and in some cases unlimited data at that. 5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. BEST 5 FIXED VALUE POINTS & REWARDS CREDIT CARDS IN CANADA The Top 5 Fixed Value Rewards Credit Cards in Canada are: Top 5 Fixed Value Rewards Credit Cards. 1. Scotiabank®* Gold American Express®. -4% back towards travel on gas, grocery, restaurant and entertainment. -1% cash back everywhere else. -15,000 bonus points with your first $1000 in everyday purchases in the first 3 months. 6 BEST CREDIT CARDS FOR CARRYING A BALANCE IN CANADA This is the best rate in the market and should be exploited if you intend on borrowing money from your credit card. The interest rate on purchases is 19.99%, so make sure to not use this card for purchases, if you have a balance with this card. 2. Scotiabank Value® Visa. Scotiabank Value® Visa. THE TOP 5 SECURED CREDIT CARDS FOR BOOSTING YOUR CREDIT SCORE Everyone is guaranteed approval. Minimum security funds required is $75. Low Interest rate: 19.8%. Other features of the Capital One Guaranteed Secured MasterCard are: Annual fee: $59. #4. Vancity enviro Secured Visa – Vancity’s offering to those without a credit history or with poor credit is a pretty decent. WHICH RBC CREDIT CARD IS THE BEST FOR TRAVEL POINTS If you are comparing RBC credit cards to decide which offers the best deal for travel points, you have four choices. The RBC Visa Infinite Avion, WestJet RBC World Elite Mastercard, RBC British Airways Visa Infinite, and RBC Cathay Pacific Visa Platinum.Of course, much depends on how and where you travel. DEAR NORA: THE BEST CANADIAN CELL PHONE PLANS WHILE Google Hangouts – It’s for more than online video chats; with Google Hangouts you can use your WiFi/data connection to call any phone number in the U.S. and Canada from anywhere in the world, free of charge!. Skype – With a free Skype account you can do audio and video calls with other Skype users who are online at the same time. You can also load money on to your Skype account and use WHY YOU SHOULD AVOID SCOTIA REWARDS POINTS (FOR NOW Scotia Rewards Points can be redeemed as a statement credit against a travel purchase. They are redeemed at a rate of 1 Scotia Rewards Point = $0.01, with a minimum redemption of 5,000 pts ($50). I say this is really a cash back card since the value of the rewards points is fixed and will come back to you as a statement credit. 5 REASONS TO AVOID THE CANADIAN TIRE MASTERCARD The first reason to avoid the Canadian Tire Options MasterCard is because the real rate is closer to %0.80 percent. They are intentionally misleading to make you think you get a better rate than you really do. This can really add up over the course of a year. For me it equals about $100 a year difference in the rewards. US DOLLAR CARDS FOR CANADIANS RBC US Dollar Visa Gold. Application Link. For high spenders (Details
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