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TD, CIBC hoping to shrug off choppy first-quarter earnings - The Globe and Mail + MORE Mar 1st
TD, CIBC hoping to shrug off choppy first-quarter earnings The Globe and MailCredit quality is deteriorating in Canada, and banks are feeling the impact Financial PostTD misses profit estimates by wide margin, raises dividend BNNBloomberg.caFirst-quarter earnings for.... More »
When banks cash your same cheque twice, you may be on the hook to pay Apr 2nd
Business owners Stefan Marten and Pearl Scott-Marten had to fight to get money back from their credit union after several of the couple's employees cashed their paycheques twice using increasingly popular banking apps that allow cheques to be deposited with a photo..... More »
How does interest work in a savings account? Sep 10th
Do you know how interest rates work when it comes to your bank account? If not, you’re not alone. Nearly four in 10 Canadians surveyed don’t fully understand it, according to research by Angus Reid on behalf of PC Financial.
When you hold money in a savings account, interest is money you rece.... More »
Do inflation-linked bonds make sense in an era of rising interest rates? Feb 23rd
For a long time, inflation-linked bonds like TIPs (Treasury Inflation-Protected Securities) in the U.S. or Government of Canada Real Return Bonds (RRBs) seemed like valid alternatives to nominal bonds for inflationary environments. If inflation ticks above certain levels, such bonds—or exchange-tr.... More »
Applying for your first credit card? Here’s what you should know before getting one + MORE Feb 3rd
The convenience of making purchases with your credit card comes with many advantages, like rewards, perks and a solid credit history. However, if used irresponsibly, this financial tool can lead to unmanageable debt and a low credit score. So, how can you be a responsible credit card owner? I will e.... More »
Prime Minister Trudeau meets students with the Forum For Young Canadians in Ottawa. March 23, 2016. (Adam Scotti/PMO)When marketers are sorting out how to position a consumer product so you’ll want to buy it, one of the first questions they consider is whether they’re dealing with a dominant brand or a challenger. A dominant brand is the undisputed giant in a category, to the point that it almost occupies the generic role in the consumer’s mind: Coke, Kleenex, McDonald’s.
A challenger brand, by contrast, seeks to turn its underdog status into a virtue, promising to offer something different than its competitors—think of ING Direct setting itself apart from the big banks with a quirky, minimalist approach and lower fees. A challenger brand aims its punches upward. It tells you that you have a choice beyond the status quo, insisting that if you give it a chance, better is possible.
Sound familiar?
At parades, pancake breakfasts and events featuring large numbers of people in costume, most politicians end up looking like the vice-principal bopping his head to the music at the school dance…
