Canada’s best travel credit cards 2020 + MORE May 15th

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 travel insurance

Canadian snowbirds in flux as insurance firms deny them COVID coverage — but there is a solution + MORE Jul 14th

Canadian insurers are refusing to provide travel health insurance to snowbirds hoping to travel south this winter. However, some U.S. insurers are willing to step in..... More »
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The GIC Laddering Strategy: Reach for Returns with Safety Jun 20th

When you save for retirement through investing, you have two main goals: to grow your money but also to protect what you put in from being wiped out. So, for most people, it makes sense to put a portion of their money into fixed-income products that keep their principal safe and provide a steady s.... More »
 health insurance

What Happens When the CERB Ends? Jun 24th

The Canada Emergency Response Benefit (CERB) is designed to help Canadians cope with the loss of employment as a result of the COVID-19 pandemic. The benefit was about to expire in July for some of the earliest applicants, but it was recently extended by an additional eight weeks. Despite the exten.... More »
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Prospective home buyers feel the heat over new mortgage rules, but all hope is not lost, industry leaders say Jul 10th

Mortgage default insurance is mandatory on down payments between five and 19.99 per cent, and as of July 1 it will be even harder to qualify through the national housing agency. But don’t panic just yet..... More »
My Business is Shut Down and Employees are Temporarily Laid Off.  What Should I do about our Group Benefits Plan?As a Canadian business owner during the COVID-19 pandemic you understand making tough decisions.  However, your Group Benefits Broker is here to help.  Before you make important decisions about your employee group benefits plan, contact your Group Benefits Broker to understand all your options.
If you have had to close your business and temporarily lay off staff, here are a few things you should consider with respect to your Group Benefits Plan.

First of all, if you plan to re-hire some or all of your team once you re-open then you should keep your benefits in force, if at all possible. Your laid-off employees are already in a precarious situation, providing the comfort of benefits for them and their families during this difficult time provides optimism, loyalty and peace of mind.
Most Canadian insurance carriers offer discounts while so many of the services typically covered by your group benefits plan are restricted during the shutdown (optometrist, physiotherapist, orthodontist etc…

Continue Reading On life-insurance-quotes.ca »

Canada’s best travel credit cards 2020With a good travel credit card in your name, going on a trip can suddenly become affordable. And, you can get even more value if you sign up for the right travel credit card—one that doesn’t just focus on points, but also has perks such as lounge access, amazing insurance coverage and the flexibility to transfer points between cards.
The card you choose should be based on the type of travel you enjoy, where you spend the most money and which additional travel benefits fit your lifestyle. To help you pick the perfect card, we’ve come up with a list of Canada’s best travel credit cards.
The best travel credit cards in Canada 2020

Card
Rewards
Annual fee

American Express Cobalt
(get more details)*

5 pts/$1 on groceries & dining
2 pts/$1 on travel, gas & transit
1 pt/$1 on everything else

$120

Scotiabank Gold American Express
(get more details)

5 pts/$1 on groceries, dining & entertainment
3 pts/$1 on gas, transit & streaming services
1 pt/$1 on everything else
No FX fees

$120

TD First Class Visa Infinite
(get more details)*

9 pts/$1 on travel (via ExpediaForTD)
3 pts/$1 on everything else

$120

BMO World Elite Mastercard
(get more details)*

3 pts/$1 on travel, dining, and entertainment
2 pts/$1 on everything else
Airport lounge access

$150

Scotiabank Passport Visa Infinite
(get more details)

2 pts/$1 on groceries, dining, entertainment & transit
1 pt/$1 on everything else
Airport lounge access
No FX fees

$139

MBNA Rewards Platinum Plus
(get more details)*

2 pts/$1 on groceries, gas & dining‡
1 pt/$1 on everything else

$0

MBNA Rewards World Elite
(get more details)*

2 pts/$1 on everything

$120

Marriott Bonvoy
(get more details)*

5 pts/$1 at 30 major hotel brands
2 pts/$1 on everything else

$120

National Bank World Elite
(get more details)*

Up to 2 pts/$1 on everything
Comprehensive travel insurance

$150

‡$5,000 annual spending cap on each category

Best travel rewards credit cards for everyday spending
American Express Cobalt*

With an incredible earn rate of five Points per dollar spent on eats and drinks, the American Express Cobalt card is a winner for those who eat out—and the dining category is quite generous as it includes grocery stores, restaurants, bars and even food delivery services…

Continue Reading On moneysense.ca »

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