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Buying a house is a huge, complicated decision. Even after saving their money and researching mortgages, homebuyers often forget one key expense: closing costs. During a real estate sale, closing costs are the expenses that are incurred in addition to the base price of the property. This means they are not always covered in a […]

In collaboration with KOHO KOHO offers a plan for everyone. Gone are the days when a poor or fair credit score left you feeling left out. Now, you can enjoy a reward credit card and earn interest on your balance with KOHO. They offer a $0 account with a prepaid Mastercard, high cashback, 5% interest […]

The debate sometimes seems simplistic. On one side are people who love real estate and believe their home is the best investment in the world. On the other stand stock market investors, who encourage young adults to invest in the stock market rather than buy a house. In fact, it’s your financial and personal situation […]

A growing number of Canucks who have canadian credit cards are looking for ways to get a US credit card in addition, because of the unique benefits they offer. With over 76 million credit cards circulating in the Great White North, Canucks love their plastic. But we also love all the cool stuff America has […]

Scene+ is constantly evolving, and its wide range of choices makes it one of Canada’s favourite rewards programs. Scotiabank, Cineplex Entertainment and Empire allow you to earn points quickly, according to your needs and tastes. As a member of the Scene+ program, you can earn points using either your Scene+ card or a Scotiabank credit […]

For some years now, the majority of Canadians have been struggling to feed their families decently. While high prices seem here to stay, what can you do to prevent them from wreaking havoc on your life? The cost of living How do we measure the cost of living? By looking at the prices of goods […]

The NEXUS card can be used to cross the border between US and Canada by Canadian citizens who have been pre-screened and considered low-risk individuals. You can benefit from expedited processing through dedicated lanes at the airport, land borders, or marine reporting locations when you have a NEXUS membership card. If you go back and […]

What would you do if you could no longer do your job due to health issues? Fortunately, many employers offer short-term disability insurance. It’s possible to take out such insurance on an individual basis too. The federal government provides Employment Insurance (EI) sickness benefits as well. What happens if you can’t work? When you can’t […]

Noah is buying a condo in two weeks. As his closing appointment approaches, is there still time for him to open and contribute to a First Home Savings Account (FHSA)? In theory, there’s no minimum number of days that money must remain in a FHSA before it can be withdrawn, but in practice, things are […]

I recently bought a new house: a lovely 1960s bungalow. It was quite outdated and over the past month, I’ve renovated the kitchen. It dated back to the year of construction, and a weird smell permeated the cupboards. Yikes! People around me told me I’d have to pay at least $20,000 to redo the floor, […]

Sewer backup insurance is a coverage that all Canadian homeowners should at least understand, even if it’s less relevant to those living in upper-floor apartments. Since it’s usually an additional coverage you have to add to your home insurance (and pay extra for), we’ll help you better understand its role and how to assess whether […]

As house prices stay quite high, many Canadians find it more challenging to save for a mortgage down payment. The Canadian government came up with initiatives to make homeownership more affordable. One way the government decided to tackle the housing crisis is through the First Home Savings Account (FHSA). Who can open a FHSA? The […]