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[ad_1] If you carry a balance on a regular credit card, chances are you’re paying around 20% in interest. At that rate, it can become difficult to keep up with the payments and your debt can spike—fast. Moving your credit card debt to a balance transfer credit card can help you pay off the principal more quickly by giving you access to a lower regular interest rate. Many balance transfer cards offer a welcome bonus with an extra-low (and sometimes 0%) rate for a limited time. Check out our picks for the best balance transfer credit cards in Canada. Find your next credit card* See cards tailored for you from over 12 banks and card issuers No impact to your credit score Get an answer in under 60 seconds Find my perfect card You will be leaving MoneySense. Just close the tab to return. .credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 4rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-weight: 800;margin-bottom: 2.75rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext p {margin-bottom: 0;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext {margin-bottom: 0 !important;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {margin: 0 0 2.5rem;line-height: 1.75rem;font-weight: 500;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div .sub-text {margin-bottom: 10px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1.125rem;font-weight: 500;text-transform: uppercase;margin-bottom: 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.875rem;font-weight: 500;line-height: 1.125rem;}@media ( max-width: 900px ) {.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow {padding: 3rem 1.25rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow span.content {font-size: 1.25rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div {line-height: 1.25rem;font-size: 1rem;margin-bottom: 2rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext div ul {margin: 0 0 0 15px;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext .btn-group {font-size: 1rem;}.credit-card-cta-scenario-chooser .cta-v2.shortcode-cta-yellow .subtext span.fineprint {font-size: 0.625rem;line-height: 0.75rem;}} The best balance transfer credit cards in Canada 2022 Card Balance transfer rate Annual fee MBNA True Line Mastercard(get more details)* • 0% annual interest rate for 12 months• 12.99% afterwards $0 CIBC Select Visa • 0% for 10 months (+ 1% transfer fee)• 13.99% afterwards $29 (waived 1st year) Scotiabank Value Visa(get more details)* • 0% for the first 6 months• 12.99% afterwards $29 (waived 1st year) BMO Preferred Rate(get more details)* • 0.99% for 9 months (+ 2% transfer fee)• 12.99% afterwards $20 (waived 1st year) BMO Cash Back Mastercard(get more details)* • 0.99% for 9 months (+ 2% transfer fee)• 22.99% afterwards $0 MBNA True Line Mastercard* At a glance: With a regular interest rate of 12.99% and a 0% balance transfer rate for a full year, the MBNA True Line Mastercard offers a lot of runway to bring down your debt. This card doesn’t charge an annual fee, both for you and up to nine additional users. Annual fee: $0 Interest rates: 12.99% on purchases, 24.99% on cash advances, 12.99% on balance transfers Balance transfer offer: Get a 0% promotional annual interest rate (“AIR”) for 12 months on balance transfers within the first 90 days of opening the account. Pros  Pay for purchases of more than $100 in monthly installments using the MBNA monthly payment plan. Get 10% off the base rates for Budget and Avis car rentals in Canada, and 5% off the base rates when you rent internationally. Add up to nine additional users for free.  Cons  Even though the balance transfer interest rate is 0% for 12 months, there is a balance transfer fee of 3%, meaning that you pay $30 for every $1,000 transferred.  Card doesn’t include insurance or other perks. Get more details about the MBNA True Line Mastercard* Go now CIBC Select Visa Card* At a glance: The CIBC Select Visa Card offers an attractive 13.99% interest rate, even on cash advances, and it has a 10-month balance transfer offer of 0% interest and a low 1% balance transfer fee. A handful of other perks, like common carrier accident insurance and discounts on gas, round out the package. Annual fee: $29 (rebated for the first year) Interest rates: 13.99% on purchases, 13.99% on cash advances, 13.99% on balance transfers Balance transfer offer: Get 0% interest for up to 10 months with a 1% transfer fee. For the first year, you’ll also get an annual fee rebate. Pros  When you link this card with Journie Rewards, you can save up to $0.10 per litre on gas at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations. Transfer money internationally with CIBC Global Money Transfer and pay no transfer fees.  Includes $100,000 of common carrier accident insurance. Get up to three additional cards for free. Cons  The included travel insurance is incomplete, so you may have to buy additional coverage. Get more details about the CIBC Select Visa Card* Go to Site Scotiabank Value Visa* At a glance: For those already banking with Scotiabank, the Scotiabank Value Visa offers an enticing balance transfer option. The annual fee is a manageable $29, and it’s waived for the first year and waived altogether for those who have the Preferred or Ultimate banking package. The 12.99% interest rate is among the lowest around, making it suitable for consolidating your debt.  Annual fee: $29 (waived for the first year) Interest rates: 12.99% on purchases, 12.99% on cash advances, 12.99% on balance transfers Balance transfer offer: Get 0% interest on cash advances for the first 6 months. Must apply by Oct. 31, 2022. Additional benefits: Get a 25% discount on rental cars at participating Avis locations Pros  Pay off purchases of $100 or more with no-interest monthly installments, along with a low installment fee (varies by plan), as part of the Scotia SelectPay program. Get a 25% discount on rental cars at participating Avis locations. Don’t pay the annual fee if you have a Preferred or Ultimate banking package with Scotiabank. Supplementary cardholders are free, so your friends or family can also take advantage of a low interest rate. Cons  You can’t earn cash back or rewards with this card. There is little in the way of extras. Get more details about the Scotiabank Value Visa* Go to Site BMO Preferred Rate Mastercard* At a glance: BMO’s Preferred Rate Mastercard comes with a low regular interest rate of 12.99% and an annual fee of only $20, which is waived for the first year—and waived every year for cardholders with a BMO Performance chequing account. The balance transfer offer isn’t as strong as others on this

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[ad_1] One of the most common misconceptions in the broader discussion of America’s housing crisis is that the rapid increase of the single-family rental (SFR) market is preventing prospective homeowners — especially younger homeowners — from attaining the American Dream. That is not the case, in fact, SFR properties serve as a critical housing “safety valve,” providing an intermediate step toward home ownership. SFR is an attractive option for those seeking a better quality of life amid a persistently tight housing market.  Contrary to popular belief, single-family renters are not typically “renting-in-perpetuity” or locking themselves out of home ownership, but rather are seeking out the best current value amid a challenging and rapidly evolving economic environment over which they have little control. And the numbers back up this counter narrative. According to a recent National Association of Realtors (NAR) survey, 86% of tenants renting single-family homes end up purchasing a home within five years.  Chart of SFR results from NAR How did we get to this point? It’s impossible to pick out just one factor, but longstanding underinvestment in new housing, coupled with a confluence of certain federal and monetary policies, have all played a role in limiting options for first-time home buyers.  Housing Shortages and Mortgage Rate Fluctuations  America had a problem with housing availability even before the pandemic. One recent estimate found that the U.S. requires up to 6.8 million new units to meet current housing demand. So, when interest in buying suburban homes surged during the pandemic, prospects for first-time homeowners suffered. In the last year alone, U.S. home prices have risen 20%. But such volatility in the housing market cannot simply be attributed to a supply shortage. Since 2008, major banks have pumped over $25 trillion into the global economy. Such quantitative easing has pushed prices of the nation’s finite housing supply to record levels.  30-year fixed rate mortgages were at a historic 2.68% low as recently as December 2020 according to Freddie Mac, but skyrocketing property values pushed many frustrated buyers out of the market and into renting. This trend only intensified in 2022 in the wake of several, successive interest rate increases by the Fed. These higher rates sidelined more potential buyers as mortgage rates hit a 10-year high, now hovering above 7%. Such mortgage rate hikes have become the largest driver of the widening year-over-year gap between first-time buying and renting that we see in many markets across the country. Unfortunately, the outlook for the U.S. economy remains hazy as inflationary concerns continue to fuel rate increases. Not surprisingly, this level of added uncertainty has created a whole new pool of homebuyers who are watching and waiting for a cool-down from the sidelines.  Aging in Place Along with changes to first-time buyer habits, seniors are keeping their homes for longer. Baby boomers, who as a group are healthier and better educated than their parents, have benefited from vast improvements in healthcare and technology that have made aging in place much easier. This trend shows no signs of slowing and adds pressure in markets where the housing supply is unable to keep pace with new population growth. A 2019 study by Freddie Mac found that baby boomers, compared to generations before them, are holding onto 1.6 million more households — roughly equivalent to the same amount of new construction the United States sees in a year. In the context of a finite housing supply, it means that younger generations either need to wait longer or pay more for their first homes relative to older generations.  Student Loan Debt There are other factors at play as well. According to a poll commissioned by NAR last year, half of the non-homeowners (51%) said student loan debt is delaying them from purchasing a home. Student loan debt has been growing at an unprecedented rate over the past two decades, far outpacing auto loans, housing debt and credit card debt. Equally concerning, according to the Federal Reserve Bank of New York,  is that two-thirds of student-debt holders had growing or flat balances at the end of 2021, compared with just 48% in 2019. For younger renters — millennials or younger — high levels of student debt have put homeownership beyond their reach.  A Bridge to Homeownership  Taking all these factors into account, it’s not surprising that the age gap between renters and homeowners has continued to widen. According to Zillow’s recent Consumer Housing Trends Report, the median age of U.S. renters is 37 years old, while about two-thirds (65%) of renters are under the age of 40. This contrasts sharply with homeowners, where the average age is approximately 56.  But it would be wrong to suggest the rise of SFR is simply a matter of economic strife and policymaking.  Many are attracted to renting because it provides a greater level of financial freedom and access to a higher quality of living, along with access to better neighborhoods and newer amenities, than would otherwise be attainable through ownership. In addition to providing a more affordable price point, SFR offers spatial flexibility and greater mobility. In fact, mobility is often cited as a paramount selling point for millennials, who spend, on average, only three years in the same job.  A tight labor market and the shift toward remote working have provided additional incentives for younger workers to seek opportunities in new locations. In this regard, renting is not just a tool of necessity, but one of convenience before purchasing a home. As workers find greater job stability and favorable neighborhoods where they feel their preferences are being met, they are more compelled to set down roots and eventually buy.  Until the United States addresses the underlying shortage and underproduction of housing, SFR will continue to serve as an important bridge from renting to first-time homeownership. Not only is SFR here to stay, but it plays a critical role in helping younger generations address their housing needs while strengthening neighborhoods that have historically been slow to embrace change. David Piscatelli is a strategy expert at

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[ad_1] Empty streets, shuttered shops as Russian-held Kherson braces for battle [ad_2] Source link

[ad_1] Wow! This is such a HOT freebie on a Contigo Travel Mug! Have you been wanting to get a nice travel mug? Don’t this RARE deal to score a Contigo Travel Mug completely free! Top Cash Back is offering a deal for MSM readers to get a $16.98 rebate on a Contigo Travel Mug purchased from Walmart, making it FREE! Here’s how to get your FREE Contigo Travel Mug: 1. Head here for the special Contigo Travel Mug offer and sign up for a new Top Cash Back account. 2. Spend at least $16.98 or more on a Contigo Travel Mug at Walmart. Choose free in-store pickup to avoid shipping costs. 3. Within 21 days, your Top Cash Back account will be credited with $16.98 — making it completely free! 4. After you receive the $16.98 payment in your Top Cash Back account, you can choose to transfer it to your bank account or request a Paypal payment. This is for new Top Cash Back members only. If you are already a member, you are allowed to sign up another adult in your household. This deal is valid through November 4, 2022— or while supplies last. [ad_2] Source link

[ad_1] Fox Corp beats quarterly revenue estimates [ad_2] Source link

[ad_1] This Personalized 150-Piece Art Kit would make a great gift idea. Jane has these Personalized 150-Piece Art Kit for just $35.99 shipped! Choose from eight designs. Contents include crayons, oil pastels, colored pencils, watercolors, markers, brush, palette, stapler, scissors, sharpener, glue, ruler, and more. The wooden case comes with your choice of charming designs that can be personalized with a name (up to 12 characters long). Psst! We love Jane! Looking for other great Jane deals? Check out our custom Jane page for more of our hand-picked favorite deals each day! [ad_2] Source link

[ad_1] Oil up more than 1% as weaker dollar offsets China COVID-19 concerns [ad_2] Source link