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[ad_1] Creatures of habit, rejoice! Your loyal shopping behaviours may just pay off, big time. If you shop regularly at certain retailers, using a store credit card can help you to earn discounts, free goods and exclusive perks by swiping or tapping for everyday purchases. Spending with a store credit card can even give you VIP access to sales. And if you already collect loyalty points, they’ll likely accumulate even quicker with a store credit card. Considering that these cards typically have no annual fee, the reasons to switch are racking up quicker than your pumpkin spice latte charges. Read on to see which are the best store credit cards in Canada for making your daily spending work for you. Best store credit cards in Canada PC Financial World Elite — Best for Loblaws banner stores and Shoppers Drug Mart Triangle Mastercard — Best for Canadian Tire and its family of stores Amazon.ca Rewards Mastercard — Best for Amazon.ca Walmart Rewards World Mastercard — Best for Walmart.ca Scotiabank GM Visa Infinite — Honourable mention Attention foodies PC Financial World Elite Mastercard* This credit card brings something more to the table–get it? Arguably the best no fee card credit for groceries in Canada, the PC Financial World Elite Mastercard earns you PC Optimum Points faster when you shop at any of the Loblaws banner stores (No Frills, Superstore, Fortinos, etc.), Shoppers Drug Mart and when you fill up at Esso and Mobil gas stations.  Annual fee: $0 Welcome bonus: None Earn rate: 30 points per $1 at Loblaws stores, PC Travel and Esso; 45 points per dollar at Shoppers Drug Mart; 10 points per dollar everywhere else Additional benefits: Travel emergency medical insurance and car rental collision or damage insurance Income requirement: $80,000 or $150,000 as a household Get more about details about the PC Financial World Elite Mastercard* How it works You rack up the equivalent of 4.5% cash back in PC Optimum Points at Shoppers Drug Mart and 3% on groceries from Loblaws banner stores. You’ll also earn 30 Optimum Points per litre of gas at Esso and Mobil stations—making it one of the best retailer credit cards for gas on the market—and 1% in PC  points everywhere else you swipe the card. The loyalty system is easy to understand: 10,000 PC Optimum Points is equivalent to $10 redeemable in merchandise (or in other words, 10 points = $0.01 or 1%). You can redeem your points at almost 2,500 participating retail locations including Loblaws banner stores and Shoppers Drug Mart/Pharmaprix locations. As soon as you reach over 10,000 points, you present your card at the register and the respective discount is deducted from your bill instantly.  Perks This card doesn’t have an annual fee, and it offers free travel emergency medical insurance for up to $1 million for trips of 10 days or less. It also comes with car rental insurance, purchase assurance in case of theft, loss or damage after you buy an item with your card and extended warranty on certain items purchased with the card. It also has a free 24/7 concierge service for dinner reservations, event tickets, gift delivery and more. You can also stack any PC Optimum points you regularly earn on the credit card with personalized offers from the PC Optimum app, in-store points offers or flyers.  Drawbacks Purchases on certain items, like gift cards, tobacco, lottery tickets and prescriptions at stores, don’t earn you PC Optimum Points. Also, while you can earn points at Esso and Mobil gas stations, you cannot redeem points for free gas.  To qualify for the PC Financial World Elite Mastercard, you need a minimum annual income of $80,000 or $150,000 as a household. However, if you don’t meet that requirement, you will automatically be considered for the PC Financial World or entry-level PC Financial Mastercard with lesser income and still earn PC Points on everyday spending. PC Financial World Elite PC Financial World PC Mastercard Annual fee $0 $0 $0 Shoppers Drug Mart 4.5% 3.5% 2.5% Loblaws groceries 3% 2% 1% Esso & Mobil 3% 3% 3% PC Travel 3% 2% 2% Everything else 1% 1% 1% Income requirement $80k or $150k/household $60k or $100k/household None specified Get more details about PC Financial credit cards* Another thing for multitaskers Triangle Mastercard from Canadian Tire* If you spend a lot on items for your home, car, sports equipment and more, you could collect Canadian Tire Money with those purchases. This card rewards you with CT Money while shopping at Canadian Tire and eligible stores. It’s worth noting that Canadian Tire Money has changed: it’s not the fun, Monopoly-style paper bills of an era gone by; CT Money racks up electronically now. Annual fee: $0 Welcome offer: Earn 15% in CT Money at affiliated stores (Canadian Tire, Sport Chek, Atmosphere and more) Earn rate: 4% in CT Money at affiliated stores, $0.05 per litre at Gas+ and participating Husky gas stations Rewards on everything else: 1.5% on the first $12,000 spent on groceries per calendar year (excluding Costco and Walmart); 0.5% on everything else Income requirement: None specified Additional benefits: No-fee financing on qualifying purchases of $150 or more at affiliated retailers, no-receipt returns, personalized offers and member-only events  Get more details about the Triangle Mastercard* How it works The Triangle Mastercard lets you rack up the equivalent of 4% cash back in CT Money when you spend at Canadian Tire, Sport Chek, Atmosphere, Hockey Experts, Sports Rousseau, L’Entrepôt du Hockey, Mark’s/L’Équipeur, Party City and participating and Sports Experts stores. You also earn $0.05 per litre of gas when you fill up at Gas+ and Husky stations. And don’t forget, Canadian Tire offers auto services, so collecting (or redeeming) CT Money could be a silver lining to your next flat tire or oil change. In terms of rewards systems, it couldn’t be simpler: $1 in Canadian Tire Money is equivalent to one redeemable dollar on Canadian Tire, Sport Chek, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating

[ad_1] This post may contain affiliate links. Read my disclosure policy here. Whoa! The North Face has some great deals on outerwear for the family right now! Right now, The North Face is having their Seasonal Sale and you can score great deals on Outerwear for the family! No promo code needed. Plus, shipping is free! Here are some deals you can get… Get this Men’s TKA Glacier Snap-Neck Pullover for just $35.40 shipped (regularly $59)! Get this Men’s Gordon Lyons Novelty ¼ Zip Pullover for just $49.50 shipped (regularly $99)! Get this Men’s ThermoBall Eco Snap Jacket for just $89.99 shipped (regularly $199)! Get Chunky Beanies for just $19.99 shipped (regularly up to $36)! Get this Boys’ Glacier ¼ Snap for just $20 shipped (regularly $40)! Get this Women’s Carto Triclimate Jacket for just $120 shipped (regularly $240)! Get this Girls’ Glacier ¼ Snap for just $20 shipped (regularly $40)! Shop the entire sale here. Thanks, Midwest Money Saving Mommas! [ad_2] Source link

[ad_1] Northern California wildfire death toll rises to four as crews scramble to beat winds [ad_2] Source link

[ad_1] According to the rating agency, gross NPAs of the public sector banks will remain at 11.1-11.4% by March 2021, as against 10.7% in March 2020. [ad_2] Source link

[ad_1] Have you considered cloth diapering, but you’re a little bit intimidated by all that it entails? These are really helpful tips! Guest post from Monica of Mum in The Woods: Cloth Diapers. Some people cringe when they hear the words. There are so many myths about cloth diapers that put people off, but it doesn’t have to be that way! I used cloth diapers with both my daughters and I never looked back. It makes me feel great about doing something good for the environment and it saves me so much money. And it’s not hard at all! So why are so many people still using disposables? Good question! If you simply think cloth diapers are too hard, I hope I can dispel a few myths for you today! Myth #1: Cloth diapers take time to put on babies. Wrong! Not necessarily, at least. The idea of cloth diapers is still one of flat sheets that need to be folded and pinned around the baby’s bottom. But there are so many modern cloth diapers available nowadays that can be as easy as disposable to put on, if not easier. With Velcro or with snaps, the choice is yours. I won’t make your head spin by going through all the different types, but if you want to find out more you can read more here. Suggestion: Try more than one type to find the one that works best for you! When I started with cloth diapers I had about 5 different types. Some were hand-me-downs and some were freebies from a workshop I attended on cloth diapers. I am pretty sure you can find workarounds to get cheap options to test. I personally ended up using hybrid cloth diapers, with an outer cover and a separate insert. I love the fact that I can just change the insert and keep reusing the outer cover. The pre-fold hand-me-down cloth diapers? They became perfect burp cloths. They just weren’t working for me. Not all types of cloth diapers are for everybody. You really need to find the one that works for you. Myth #2: Cloth diapers are expensive as an upfront investment. Are they, really? I don’t find modern cloth diapers that expensive compared to disposables. Some models are very affordable, and in the long run, you’ll end up saving a lot of money. That said, if you are feeling a bit unsure about it, don’t go all in and buy heaps of cloth diapers before the baby is even born! Buy some to start and try them out first. See if you like them and if they work for you. And, as I mentioned before, try different ones before deciding on your favorite type. Myth #3: Cloth diapers are hard and take time to wash. Yes and no. Of course, they are not as easy as disposable diapers, but they don’t have to be a mission to clean. It personally takes me 2 minutes per poo diaper to clean them. Pee diapers take the same time as disposable. You can actually find many tips on how to wash cloth diapers here. My favorite tips of all time are: Use the sun to take any stain away. Particularly if breastfeeding, you only need to put the diaper in the sun to watch the stain magically disappear 100%. No need to use any stain removals. Use diaper liners. They catch most of the poo so that you can throw it away in the toilet without getting your hands dirty. Use a diaper sprayer to wash the poo off in the toilet. That said, if you REALLY can’t deal with a stinky poo for more than 3 seconds, then go with disposables. Cloth diapers are not for you. Myth #4: Cloth diapers stink. That’s true, but there are ways around it. Use a diaper pail to contain the smell until you wash them. It can either be a wet or dry pail. If you don’t want to deal with emptying the water of a wet pail, then use a dry one and you can stick it in the wash together with the diapers. I put them in the washing machine in the garage and just forget about them. If the smell doesn’t go away after you washed them, then it means you are doing something wrong with them. Most likely, you are using too much or too little detergent and the diapers are not getting cleaned properly. By the way, disposable diapers smell too if you leave them out for too long! Myth #5: Cloth diapers leak. They are not supposed to! If they do leak, it may be because you used stain removers or fabric softener when washing them (both of which reduce absorbency). You might also be using too much bum cream without a diaper liner. So many people are obsessed with having pearly white cloth diapers and soak them for hours or put them through unnecessary wash cycles just so that they can have what looks like the perfect diaper. The reality is, they are drastically reducing the life span of the cloth diapers. Make sure to read the manufacturer’s instructions on how to wash them! And remember that they are just diapers. Nobody other than you is really going to see them. Even if you don’t get rid of ALL the stain, they are still clean. Don’t stress too much about it. That said, I won’t lie, they are not going to hold pee for 12 hours like some disposable diapers do. So, for example, if you have a baby that ends up staying awake for 2 hours if you change her cloth diaper at night, then I recommend using a disposable diaper at night. And that’s exactly what I do with my daughter! Myth #6: Cloth diapers are stressful. I don’t know why, but there’s this idea that you either go full-on cloth diapers, or you don’t use them at all. People get stressed out about leaking diapers

[ad_1] Exclusive: FDA widens U.S. safety inquiry into AstraZeneca coronavirus vaccine – sources [ad_2] Source link

[ad_1] “We are very proud to say now we are back to pre-Covid level. People have now started to spend…We are seeing tremendous demands,” Aditya Puri, MD, told reporters at the launch of the second edition of the ‘Festive Treats’. [ad_2] Source link

[ad_1] This post may contain affiliate links. Read my disclosure policy here. Looking for some fun items to spruce up your wardrobe? Cents of Style is having a big clearance sale right now! Through October 5th, Cents of Style is having several clearance sales and you can score some really hot deals on tees, leggings, jackets and more! Check out these deals you can get… Get their most popular Tees and Tanks for just $9.99 when you use the promo code TOPTEES at checkout! This includes their wildly popular Boyfriend V-Neck Tees which I love!! I have two of them and have worn both of them over and over again! I especially love that they are long and roomy and so cute with leggings. In fact, I kind of lived in the above outfit last fall. 😉 Get Leggings, Sweatpants and Biker Shorts for just $9.99 when you use the promo code COZIPANT at checkout! Get Sweaters, Cardigans and Jackets for just $12 when you use the promo code WARMUP at checkout! Hurry – sizes are selling out quickly. Shipping is free on orders over $35. [ad_2] Source link

[ad_1] Exclusive: Marathon Petroleum cutting at least 6% of refinery staff at nine U.S. plants [ad_2] Source link

[ad_1] Principal Asset Management has launched a new fund offer (NFO) Principal Large Cap Fund, an Open-ended Equity scheme predominantly investing in Large Cap stocks. [ad_2] Source link