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Secured loans vs. unsecured personal loans: Which should Canadians get?

Dec 10, 2024 | moneysense.ca | Moi Rewards |Renee Sylvestre-Williams

loans Before taking out a loan, learn the differences between these two types, which has better interest rates, and which to get in certain situations. If you want to borrow money, you have several options in Canada, including a secured or unsecured loan. These loan types have several things in common. Off the top: Financial institutions will lend money for a certain period of time (a.k.a. a term), both types require a credit check and both charge interest.
What’s included in Canada’s GST holiday—and how not to overspend - MoneySense

Dec 6, 2024 | moneysense.ca | Moi Rewards |Jessica Morgan

News The temporary tax break will save Canadians money, but financial experts caution shoppers to do the math and avoid relying on credit. While many Canadians highly anticipate the federal government’s upcoming GST holiday, experts say consumers need to make sure they’re saving money on what they need most without falling for the allure of a deal and hurting their bottom line.
If you answer “yes” to these 2 questions, a notice savings account could be right for you

Dec 6, 2024 | moneysense.ca | Concentra Trust |Moi Rewards |Keph Senett

Banking Many Canadians use a regular savings account to put money toward financial goals. But there’s a better way that pays more interest and charges no fees. You work hard, follow a budget and put away some money, but now what do you do with it? Most savings tools available to Canadians are underwhelming, either returning low interest, locking in funds for long periods or charging onerous fees—or some combination of the these.
Making sense of the markets this week: December 8, 2024

Dec 6, 2024 | moneysense.ca | Concentra Trust |Moi Rewards |Kyle Prevost

Investing Canada bank earnings remain on target, Dollarama’s expectations catch up to it, “insider selling” sets a new record and the Canadian dollar is losing the battle compared to the U.S. dollar. Kyle Prevost, creator of 4 Steps to a Worry-Free Retirement, Canada’s DIY retirement planning course, shares financial headlines and offers context for Canadian investors. Conventional wisdom is that falling interest rates are good for bank earnings.
Tired of bank fees? How to avoid the most common ones

Dec 4, 2024 | moneysense.ca | Concentra Trust |Moi Rewards |MCAN Wealth

Banking Chequing account fees can go unnoticed and add up over time. Follow these tips to avoid them and find the best deal out there. You probably know when your paycheque gets deposited and roughly how much your monthly cellphone bill costs, but it might be harder to answer a fundamental question about your bank account: how much are you paying in fees?
RDSP myths, explained

Dec 4, 2024 | moneysense.ca | Moi Rewards |MCAN Wealth |Keph Senett |Concentra Trust

RDSPs Sponsored By Concentra Trust The registered disability savings plan is a powerful financial tool for Canadians with disabilities. Learn about RDSP contributions, grants and more. The registered disability savings plan (RDSP) is not new—it was introduced in 2008 to help those eligible for a disability tax credit (DTC) save and invest. However, few Canadians know about it.
How your family can save on groceries and more with Moi Rewards

Dec 3, 2024 | moneysense.ca | Moi Rewards |MCAN Wealth |Karen Robock

Enter Moi Rewards. This loyalty program is already popular in Quebec, and it’s now available in Ontario at Metro and Food Basics grocery stores. Here’s everything you need to know about this personalized loyalty program that makes shopping for groceries—and saving money—easy. Why do I need a rewards program? Sure, there are lots of ways to manage your grocery budget. You can stick to a strict shopping list, cook more from scratch, and keep tabs on your favourite store’s flyers for deals.
Fewer Canadian drivers planning to buy an EV or hybrid

Nov 28, 2024 | moneysense.ca | Moi Rewards

News A new EY survey has found that demand for EVs and hybrid vehicles has dropped slightly, with drivers citing cost and driving range as major concerns. A new survey finds fewer drivers intend to make their next car purchase an electric vehicle. EY’s Mobility Consumer Index report shows overall intentions among survey respondents to buy a new vehicle were up 6% compared with last year. But fewer of them are leaning toward buying an EV.
Moi Rewards has launched in Ontario—here’s how it works - MoneySense

Nov 18, 2024 | moneysense.ca | Renée Reardin |Moi Rewards

All you need is the My Metro or Food Basics app (wherever you shop!) and a free Moi Rewards card. Just scan the barcode in your app at the checkout counter and you’ll earn points that you can redeem for free groceries. Plus, you’ll have access to special personalized deals at your fingertips based on what you buy most often. That’ll go a long way to helping you earn even more points and save even more money. As of Oct.