Tangerine vs. EQ Bank

Tangerine vs. EQ Bank sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 16, 2025

Travel Insurance from Credit Cards

Travel Insurance from Credit Cards sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total…

ByJohn WilsonAugust 15, 2025

Banking Saving

Banking Joint Accounts

Banking Joint Accounts sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost, not…

ByJohn WilsonAugust 15, 2025

Banking Saving

Pre‑Authorized Debits vs. Interac

Pre‑Authorized Debits vs. Interac sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 15, 2025

Debt Saving

Using a HELOC Responsibly

Using a HELOC Responsibly sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 14, 2025

Saving

ETF Distributions 101

ETF Distributions 101 sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost, not…

ByJohn WilsonAugust 14, 2025

Saving

GIC Ladders

GIC Ladders sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost, not teaser…

ByJohn WilsonAugust 14, 2025

Banking Saving

Building an Emergency Fund

Building an Emergency Fund sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 13, 2025

Banking Saving

Intro Offers vs. Ongoing Value

Intro Offers vs. Ongoing Value sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total…

ByJohn WilsonAugust 13, 2025

Banking Saving

How Credit Card Grace Periods Actually Work in Canada

How Credit Card Grace Periods Actually Work in Canada sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through…

ByJohn WilsonAugust 13, 2025