TD Cash Back Visa Infinite review 2022 + MORE Apr 1st

Insurance policy getting you down? There are always sound insurance alternatives.
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 renter's insurance

Mortgage insurance calculator Jun 4th

CMHC insurance calculator If you’re buying a home and have a down payment of less than 20%, you’ll need to purchase mortgage default insurance, also known as mortgage loan insurance or CMHC mortgage insurance (named after the Canada Mortgage and Housing Corporation, one of the three mort.... More »
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What is universal life insurance? + MORE Jun 25th

Among your different life insurance options, a universal life insurance policy is one of the most complex. It requires more involvement than both term and whole life insurance policies—so you can’t simply set it and forget it. And you have decisions to make regarding how much you pay, and how th.... More »
 commercial insurance

Canada’s Best Visa Credit Cards 2022 Apr 13th

When consumers shop for a new credit card, they typically look at the ability to collect points, the insurance coverage offered, fees and interest rates on unpaid balances—not at the credit card company itself. But if you already have an account with RBC, CIBC, Scotiabank or any other Visa issuers.... More »
 auto insurance

BMO Ascend World Elite Mastercard review 2022 May 11th

If you’re itching to travel again, BMO has a card designed to help you get there. With an attractive insurance package and perks like airport lounge access, the BMO Ascend World Elite Mastercard seeks to tempt users into the BMO Rewards program. But here’s the big question: Is the card good enou.... More »
When Anita Clarke bought her first townhome in Toronto’s west end last year, she started researching insurance policies. The 47-year-old senior managing editor at Shopify previously had tenant insurance with a contents limit of $90,000. But, as she moved into her new home, she wanted to make sure her luxury clothing collection—composed of dresses by designers like Comme des Garçons, Maison Margiela and Greta Constantine—was adequately insured in case something ever happened to it.

“I [didn’t] need some actuary looking at a $2,500 Comme des Garçons dress and saying, ‘This is only worth $50,’” Clarke says. She was searching for a policy that would not account for depreciation in the value of her dresses—this was not an ordinary wardrobe, after all. 

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Actual cash value vs replacement cost

After speaking with an insurance broker, Clarke was presented with various insurance policies whose contents coverage offered actual cash value…

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TD Cash Back Visa Infinite review 2022If you consider yourself a coffee-lover, foodie, traveller—or all of the above—this cash back card might be the perfect for your lifestyle. It offers a strong earn rate on food and travel spends. It also includes perks that offer peace of mind on your daily commutes or big vacations, like complimentary roadside assistance benefits and travel insurance. What’s more, it offers the flexibility to use your cash back when you actually need it, not on an arbitrary date like with many other cash back loyalty programs. What gives it even more of an edge is the generous welcome offer that allows you to earn 10% cash back on up to $2,000 worth of purchases for the first three months.
Should you switch over to this card? Maybe… With so many travel cards on the market, we break down the benefits and the drawbacks of this impressive cash back card, so you can see if it’ll meet your needs.
TD Cash Back Visa Infinite*

Annual fee
$120, rebated for the first year

3% on gas, groceries and recurring bills; 1% on everything else

Welcome offer
10% cash back on all purchases for the first 3 months (up to total spend of $2,000)…

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PC Financial World Elite Mastercard review 2022It’s predicted that the price of food in Canada will rise between 5% and 7% this year (nearly $1,000 more per year for a family of four). So, there’s no better time to earn useful rewards and cash back to balance out the rising costs. If you’re partial to shopping at Loblaw banner stores (like Real Canadian Superstore, No Frills, Fortinos and Loblaws) or frequently fill up at Esso and Mobil stations, the PC Financial World Elite Mastercard could be a good card to earn points on these essential purchases. With every dollar charged to this card, you earn PC Optimum points you can use to save on groceries and other everyday purchases. The more you use this card, the more you can earn. It also comes with benefits, like travel insurance and 24/7 concierge service—none of which will cost you a dime, since it has no annual fee.
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Scotiabank Gold American Express review 2022If you’re into experiences—from seeing a play or movie to travelling the world—then you should consider making the switch to this credit card. It combines elements of both Scotiabank’s Scene+ loyalty program with some of the outstanding travel and entertainment perks Amex is known for. Factor in an outstanding earn rate on points, no foreign transaction fees and a competitive travel insurance package, and the Scotiabank Gold American Express card is a front-runner for anyone with a full social calendar. But is this card worth the $120 annual fee? We dig into the details so you can decide for yourself.
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Scotiabank Gold American Express quick facts

Annual fee: $120

Interest rates: purchases 19.99%, cash advances 22…

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