`Wolfe disk`: Astronomers discover ancient galaxy similar to the Milky Way – WION + MORE May 25th

The “Big Five” Canadian banks offer credit cards and include Royal Bank of Canada, Toronto Dominion Bank (TD Canada Trust), Bank of Nova Scotia, Bank of Montreal and Canadian Imperial Bank of Commerce (CIBC). Did you know that there are many other options?
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New Amex Offers for Ivanhoe Cambridge Gift Cards and Robinson Lighting + MORE Jul 7th

Two new Amex Offers offers showed up in my account today for the Platinum Card from American Express and my wife's Marriott Bonvoy American Express card account:The first one is really the stand out offer and you should log in to your account right away to see if you have been offered it as it is li.... More »
 mastercard

National Bank Customers Can Now Make International Transfers by Mastercard and Interac + MORE Jun 8th

National Bank, one of Canada’s largest and oldest financial institutions, is offering its users a more natural way to send money abroad, thanks to the new feature announced by the bank in May. The new International Transfer by Mastercard and Interac is a joint, cross-border solution for Canadians.... More »
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June 3 Update: TurboTax offer for RBC cardholders, Amex offer for Pink Martini Queen Street and Canadian Alaska Airlines Mastercards will not see elite benefits like the U.S. + MORE Jun 4th

There is a new RBC Offers special out for TurboTax where you can get 20% off Standard, Premier, Self-Employed, Assist & Review, or Assist & Review Self Employed products. See our Guide to RBC Royal Bank 'RBC Offers' for more details. The offer runs until June 30 and I received it on the W.... More »
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How to Spot Credit Card Fraud and What You Can Do to Prevent It + MORE May 29th

Credit card fraud comes in various forms and can cause a lot of damage to both your balance and your credit score. Often thieves only get away with a few hundred dollars, but sometimes they can manage to steal thousands. And when they do, it can take hours of hard work and communication to unravel .... More »
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July 7 Update: BMO card changes coming later this week, AIR MILES adds All Purpose Realty as a partner & closure of NEXUS enrollment centers extended + MORE Jul 8th

Have you been contemplating the BMO No Fee Rewards Mastercard with its 20,000 point bonus? Grab it now as that offer will change on Friday! On the other hand if you have been thinking about the card's sibling, the BMO Rewards World Elite Mastercard wait to apply for it. The sign up offer gets b.... More »
`Wolfe disk`: Astronomers discover ancient galaxy similar to the Milky Way  WIONAncient disk galaxy looks 4.5 billion years ahead of its time  New AtlasAstronomers make incredibly discovery of massive disk galaxy similar to our own  7NEWS.com.auAstronomers announce discovery of ‘unlikely’ new galaxy: report  PennLiveWolfe Disk: Huge rotating disk galaxy in distant universe baffles astronomers – Republic World  Republic WorldView Full coverage on Google News

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What Is A Home Equity Line of Credit?

– canadianfinanceblog.com

A Home Equity Line of Credit, or HELOC, is a revolving line of credit that is secured against the equity in your home. You can operate a HELOC on its own, or it can be set up alongside a standard mortgage. HELOCs are known for their flexibility because they allow you to borrow a pre-approved amount of money as you need it. They also feature a variable interest rate with no fixed term, meaning that you can pay the balance off in full at any time, without any prepayment penalties.
Many HELOCs come with an option of locking any portion of the balance owing into a fixed rate and term, as a way of securing the borrower’s interest costs. A HELOC can be set up for the purchase of a home, or as a refinance. Of note, the revolving portion of a HELOC cannot exceed 65% of a home’s loan to value. Combined with a mortgage, the maximum loan to value increases to 80%.
HELOC Features

Revolving credit product
Offers maximum flexibility
Variable interest rate ranges between Prime + .5% and Prime + 1…

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`Wolfe disk`: Astronomers discover ancient galaxy similar to the Milky Way  WIONAncient disk galaxy looks 4.5 billion years ahead of its time  New AtlasAstronomers make incredibly discovery of massive disk galaxy similar to our own  7NEWS.com.auAstronomers announce discovery of ‘unlikely’ new galaxy: report  PennLiveWolfe Disk: Huge rotating disk galaxy in distant universe baffles astronomers – Republic World  Republic WorldView Full coverage on Google News

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