RWRDS Daily Update – September 18, 2023 + MORE Sep 18th

Five new Cobalt Multipliers in Ontario, Which will open first? Moxy Banff or Moxy Halifax? And a new Amex Offers statement credit for Harry Rosen. Check out today’s points & miles updates here:
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An offer many of you have been anxiously awaiting for is here! For the next month the Air France KLM World Elite MasterCard features a welcome bonus of up to 60,000 Flying Blue Miles. This card was unique in that when it first launched it did not feature bonus miles but rather bonus points towards […]
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Scientists Discover New Elements on the Moon’s Surface  OPP.Today

Scientists Discover New Elements on the Moon’s Surface  OPP.Today

Canadians who need help with debt management can seek out credit counselling that may include group seminars or courses as well as individual counselling. The landscape includes both not-for-profit and for-profit companies. There are some distinct differences to be aware of, which we will look at below.

Not-for-profit debt counselling

Not-for-profit agencies are structured as registered charitable organizations with the Canada Revenue Agency. They tend to be members of trade associations and adhere to certain standards as a result. Fees for consumers tend to be relatively low and may even be free in some cases.

How can they operate without charging a fee, you may ask? Some of their clients pay fees, but they can also receive donations or funding from creditors like credit card companies.

There is typically no cost to have an initial discussion with a not-for-profit credit counsellor. There may be fees associated with implementing a debt management plan (DMP), which they may recommend to tackle your debt…