November 5 Update: Top Credit Card Sign Up Offers, New concept Holiday Inn Express opens in Victoria, $5000 Biz Clas ticket for $3300 + MORE Nov 5th

Attention to bill-paying, credit utilization — plus enough cash to whittle down debt — can get it done

WASHINGTON – Federal regulators say they’re still seeing a heavy dose of risk in large loans made by banks and other financial institutions, despite the recovering U.S. economy.
The Federal Reserve and other agencies cite ongoing loose lending standards and an increase in loans made for financing takeovers of companies. Those loans are risky because they can greatly exceed the amount of a firm’s earnings.
The steep decline in oil prices over the past year has hurt many energy companies. Loans in the industry are at greater risk of souring or are already in default, according to the agencies’ 2014 annual review.
The review found that banks are making progress in improving their credit standards. But there are “continuing gaps” between industry practices and standards of bank safety, it said.
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Much like the United offer we posted on Tuesday there is also a triple miles offer for Aeroplan members choosing to stay at Choice Hotels Worldwide.Offer DetailsTriple Aeroplan Miles per stay at Choice Hotels locations Worldwide. Full Details and online Booking Until Dec 31, 15

After a couple of days filled with lots of news we can take a bit of a breather today! News, Tips & TricksIHG’s has been introducing a new design concept to their Holiday Inn Express brand of hotels and today marks the opening of their first new design location in Canada. The Holiday Inn Express & Suites Victoria – Colwood is now open to travellers! If you find yourself staying at this location in the next few months please let us know your first hand experience! The new design concept was announced in 2014 with the first property opening earlier this year in Salt Lake City. In all about 80 to 100 Holiday Inn Express’ new and renovated should be completed this year with the new Formula Blue design concept.The hotel is the first property in Canada to open with the brand’s new design solution, which was created to meet the evolving needs of the brand’s target guest who is looking for a simple, smart travel experience. The design features an appealing combination of fresh, energetic and engaging elements, creating a distinctive style that is evident at every touch point of the Holiday Inn Express brand experience…

Here are the Rewards Canada Top 5 Credit Card Sign Up offers for the month of November! This is not a ‘best’ credit card list like our Top Travel Rewards Credit Card rankings but instead a look at cards that have very good acquisition offers. As always when choosing a card you should always take other factors into account other than the sign up bonus, but when most or all of these cards are first year free, they can and do pay off even when not taking into account insurance packages and other non-reward benefits. In fact all 5 cards on this list for November are first year free so you can try them out at no cost and decide later on if the card is right for you. All the while earning the sign up bonus which can be used to subsidize your travels! The two changes this month from October are the return of the first year free offers on the TD Aeroplan Visa Infinite Card and the Scotiabank Gold American Express Card. These two cards knock out the NBC World Elite MasterCard and the Starwood Preferred Guest Credit Card from American Express…