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[ad_1] Everybody’s got to eat, which makes groceries a spending category with a lot of earning potential. How you capitalize on those purchases is up to you, but whether you’re looking for cash back, rewards or points to use at your favourite supermarket, we’ve got your best bets right here. Select the best option for your spending habits and get ready to reap the rewards of your everyday spending. The best credit cards for grocery purchases in Canada Best no-fee cards for groceries — BMO CashBack Mastercard; Tangerine Money-Back Credit Card Best cash back cards for groceries (tie) — CIBC Dividend Visa Infinite; Meridian Visa Infinite Cash Back Card; Scotia Momentum Visa Infinite Best travel card for groceries — American Express Cobalt; Scotiabank Gold American Express Best card for Loblaws banner stores — PC Financial World Elite Mastercard Best card for Costco — MBNA Rewards World Elite Mastercard Honourable mention — Triangle World Elite Mastercard Best no-fee credit cards for groceries BMO CashBack Mastercard* Recent updates have made the BMO CashBack Mastercard a new contender in this category, with 3% cash back on grocery purchases. Keep in mind, though, that it’s capped at $500 spent per statement period, so if you spend more than $500 per month on groceries, you’ll want to consider the next no-fee option in our ranking. In addition to cash back on groceries, this card gets you 1% on recurring bill payments and an unlimited 0.5% on other spends. You can choose when to redeem cash back, in increments as little as $1; you can also set up automatic recurring redemptions of $25 or more. New cardholders enjoy a welcome bonus of 5% back for the first three months, and those carrying debt can take advantage of the low 1.99% interest rate on balance transfers for a full 9 months (a 1% balance transfer fee applies). Annual fee: $0 Earn rate on groceries: 3% cash back on groceries, up to $500 per month Rewards on other purchases: 1% on recurring bills; 0.5% on everything else Welcome bonus: 5% cash back for the first 3 months; introductory 1.99% interest rate on balance transfers for 9 months Additional perks: Purchase protection and extended warranty; discounts at Avis and National Car Rentals; discount Cirque du Soleil performances; add authorized cardholders at no charge Income required: None specified Get more details about the BMO CashBack Mastercard* Tangerine Money-Back Credit Card* If you’re looking to maximize your rewards without paying for the privilege, your best option is the no-fee Tangerine Money-Back Credit Card. Every cardholder is given a 2% return on spends in two categories of their choice, of which groceries is one. (The other nine are drug store, gas, hotel and motel accommodations, restaurants, furniture, recurring bill payments, home improvement, entertainment, and public transportation and parking.) Those wanting to bump up their earnings potential can simply open a savings account to receive 2% in a third category. In addition to being a no-fee card, this is a stand-out because your cash-back earnings are unlimited, meaning that your regular 2% earnings don’t have a cap. The Tangerine Money-Back Credit Card offers a lot in terms of cash-back opportunity, but because it’s a no-fee card, there isn’t much in the way of perks. Annual fee: $0 Earn rate on groceries: 2% cash back Rewards on other purchases: 2% in up to two other spending categories of your choice and 0.5% cash back on everything else Welcome bonus: Transfer balances at a low promotional interest rate of 1.95% for six months (note you will be charged a fee of 1% of the value of your balance transfer)  Additional perks: Purchase protection and extended warranty Income required: $12,000 Get more details about the Tangerine Money-Back Credit Card* Best cash back cards for groceries (tie) Everybody likes flexible rewards, and cash is the most flexible around. After combing the best of the best, we’ve come up with three cards that are so good we have to call it a tie. These cards all offer 4% cash back on groceries and they’re all part of the Visa Infinite family, which means cardholders receive perks including concierge service, and wine and dining experiences. The “best” one for you will be the card that has the most valuable earn rates in categories you use, or the most relevant perks.  CIBC Dividend Visa Infinite Like the Meridian, below, it has an annual fee of $99 and offers 4% cash back on groceries as well as gas, but the card’s other bonus—which earn 2% at Tim Hortons and Telus—are bit more niche. (Also note that earns are capped after $80,000 in total card purchases; and after $20,000 in purchases at Tim Hortons and Telus, the earn rate drops to 1%.) If, however, you happen to be in that niche, this card could help you benefit from your spending habits.  Annual fee: $99 (rebated for the first year) Earn rate on groceries: 4% cash back Rewards on other purchases: 4% cash back on gas; 2% on Tim Horton’s and Telus; 1% on everything else Additional perks: Travel medical, trip interruption and delay and accident insurance; car rental loss and collision coverage Income required: $60,000 or $100,000 as a household Meridian Visa Infinite Cash Back Card Aside from 4% cash back on groceries and gas—two very popular spending categories—the Meridian remains strong by offering 2% back on drug store purchases and recurring bills. The 1% regular rate on everything else is pretty standard but the annual fee of $99 is fairly accessible (and it’s waived for the first year). The Meridian has some good included insurance and carries the increasingly popular mobile device coverage.  Annual fee: $99 (waived for first year) Earn rate on groceries: 4% cash back Rewards on other purchases: 4% cash back on gas; 2% on drug stores and recurring bills; 1% on everything else Welcome bonus: None Additional perks: Emergency health care, trip cancellation or interruption, and baggage insurance;  car rental loss or collision coverage; mobile device insurance Income required: $60,000

[ad_1] According to the AIG Life Insurance IQ Study, 51% of Americans either don’t know if they have a life insurance policy or don’t have one at all. Although 70% of respondents acknowledged that life insurance could protect their family’ chances at living a financially secure life, many still go uninsured.  What many don’t realize is that life insurance premiums are most affordable when you’re young and healthy. And you’ll never be younger or healthier than you are today which means your premiums are at the lowest they’ll ever be. In recent years, premiums have also become more affordable for older consumers and those with health conditions, too. Whether you’re buying your first insurance policy, or getting a second policy to supplement an inadequate employer-sponsored policy, learn more about the options that are available. How to Get Life Insurance Quotes You can certainly go from website to website, getting quotes from each individual insurance company. But it’s also possible — and faster — to get quotes from multiple providers in one place. This lets you do side-by-side comparisons so you can choose the best coverage at the most affordable premium. Sites like Ladder and Bestow make the process easier to help you find a policy that works for your budget. The tool below from our life insurance partners can help you find quotes that are tailored to you. Just click on your state of residence, and the tool offers a safe, secure way to shop for life insurance, while saving you plenty of time in the process. Compare Average Rates Next to getting quotes from multiple sources, it’s also important to compare rates between different policy types. For now, we’ll focus on term life insurance.  Term life insurance is less expensive than whole life — usually 10% or less for a comparable death benefit. It also has easily adjustable coverage, based on your life events. For comparison, we’ll use Quotacy, an insurance marketplace, to look at premiums for term policies in three policy increments: $250,000 $500,000 $1 million We’ll also compare these increments across different term lengths (10 years, 20 years, and 30 years), based on ages 25, 35, 45, 55, and 65. Term Life Insurance Quotes for Males  Age at Policy Purchase Death Benefit 10-year Term Monthly Premium 20-year Term Monthly Premium 30-year Term Monthly Premium 25 $250,000 $9.75 $12.26 $17.72 25 $500,000 $13.64 $19.11 $28.68 25 $1 million $20.04 $30.59 $48.25 35 $250,000 $9.77 $13.45 $21.09 35  $500,000 $14.06 $21.24 $35.24 35  $1 million $21.92 $33.99 $64.51 45 $250,000 $16.81 $26.42 $42.88 45 $500,000 $27.62 $46.44 $79.38 45  $1 million $46.81 $87.87 $151.21 55 $250,000 $37.48 $61.26 $120.71 55  $500,000 $67.57 $114.74 $232.23  55 $1 million $123.24 $221.61 $457.05 65 $250,000 $101.76 $199.16 Custom Quote Only* 65  $500,000 $191.29 $385.08 Custom Quote Only* 65  $1 million $362.69 $743.72 Custom Quote Only* *Available by custom quote only since a 30-year policy extends to age 95, practically guaranteeing a death benefit payout. The insurer will need to do a full underwrite to offer a quote. Term Life Insurance Quotes for Females Age at Policy Purchase Death Benefit 10-year Term Monthly Premium 20-year Term Monthly Premium 30-year Term Monthly Premium 25 $250,000 $8.61 $10.79 $14.68 25 $500,000 $11.22 $15.72 $22.73 25 $1 million $15.81 $23.05 $37.82 35 $250,000 $8.92 $11.94 $18.28 35  $500,000 $11.96 $17.87 $29.69 35  $1 million $18.92 $29.91 $52.15 45 $250,000 $15.15 $21.33 $33.51 45  $500,000 $24.22 $37.41 $61.32 45  $1 million $38.24 $67.91 $116.36 55 $250,000 $28.21 $45.38 $91.54 55  $500,000 $50.05 $84.39 $176.50 55 $1 million $90.94 $158.86 $330.74 65 $250,000 $64.97 $134.30 Custom Quote Only* 65 $500,000 $122.14 $257.70 Custom Quote Only* 65 $1 million $223.86 $485.77 Custom Quote Only* What Term Life Insurance Quotes Reveal The quotes in the tables above reveal notable factors that impact a term life insurance quote. Here are a few takeaways: Premiums are higher for men than for women. The male-female variance increases with age.  Premiums are significantly higher with a longer policy term. Premiums are significantly higher when purchased later in life. Notice that for 30-year term policies for 65-year-olds, a custom quote is required regardless of the death benefit. Once again, that’s because it’s very likely that the insurance company will need to pay the death benefit at some point in the term. This is precisely why it’s so frequently recommended that you purchase life insurance as early in life as possible. Other Factors That Affect Life Insurance Premiums While it’s true enough that age and gender are two of the most basic factors in determining life insurance premiums, there are many, many more. Your Health This is a complicated factor since the possibilities are so extensive. You can have relatively minor health conditions, like well-controlled hypertension, that result in only a slight increase in your monthly premium. More serious health conditions, like diabetes, heart disease, or kidney disease, can cause premiums to climb higher. The same is true with one-time events, like a battle with cancer. If you have or have had any of these conditions in the past, your application will likely be reviewed on an individual basis for risk factors, based on your personal situation. You might also be asked to undergo a medical exam.  When you experienced certain health issues is another factor. For example, a cancer episode 10 years ago will have a lesser impact on your premium than a recent diagnosis. Other health-related factors are your weight-to-height ratio, as measured by your body mass index (BMI), and any medications you’re taking. Family Health History Even though this is a factor that’s completely beyond your control, it can influence your premium. Most insurance applications ask if anyone in your immediate family has or had any major health conditions. Immediate family will generally be limited to your parents and siblings. This includes severe health conditions, like cancer, heart disease, diabetes, or kidney failure. Most life insurance companies are primarily concerned with family members who developed major health conditions before reaching age 70,

[ad_1] This post may contain affiliate links. Read my disclosure policy here. If you have a daughter who is really creative or loves craft projects, don’t miss this chance to get an Annie’s Creative Girls Club discount — just $1.99 per craft kit plus shipping costs! {Psst! Check out my other favorite subscription boxes for kids!} Have a daughter who loves crafts? Do you have a daughter who loves all things crafts? If so, you don’t want to miss this fun deal to get 80% off your first craft box from the Creative Girls Club! Annie’s recently sent me a craft box to check out, and I was SO impressed with everything you get for the price. It would be such a perfect gift for a young child in your life who loves to create or do craft activities! What is the Creative Girls Club? Annie’s Creative Girls Club is a monthly subscription program created for girls ages 7-12. Each monthly box comes with two craft kits, which includes easy-to-follow instructions and all the materials needed for each craft. Most of the crafts can be made with very little adult supervision. There is a nice variety of craft kits, including painting, beading, stitching, paper crafting, jewelry making, and much more! Each month comes with new crafts, so it’s a fun surprise for kids to look forward to! Get 80% off your first Annie’s Creative Girls Club Box! If you want to try a box for your daughter, you can currently get an exclusive 80% off when you shop through this link! No promo code required. With this discount, you’ll pay just $3.98 + shipping. Since each box comes with two craft kits, this is like paying just $1.99 per craft kit plus shipping. Shipping adds $5.95, so you’ll pay $9.93 shipped for your first box with two craft kits. The regular price on these craft boxes is $25.93 shipped, so this is a great opportunity to try a box at a much lower price! {Note: After your first discounted box, you’ll be charged at the regular monthly price each month after that. But it’s really easy to pause or cancel your membership at any time after receiving your first box. Simply log in to your account and follow the instructions to cancel.} Go here to get your first two craft kits for $1.99 each, plus shipping! [ad_2] Source link

[ad_1] German prosecutors drop probe into FT over Wirecard [ad_2] Source link

[ad_1] Apple delays privacy feature that would let iPhone owners keep ad tracking at bay  The Verge Apple’s new iPhone ad puts privacy front and center again  CNN If you own any of these phones, ‘Pokemon Go’ is about to stop working  BGR Apple Delays Ad Anti-Tracking Features Planned for iOS 14 [Updated]  MacRumors Privacy. That’s iPhone. – Over Sharing  Apple View Full Coverage on Google News [ad_2]

[ad_1] Economists tracking the sector follow a thumb rule: for the construction of every 100,000 homes, the economy gets a 0.3 percent boost. [ad_2] Source link

[ad_1] One of Canada’s largest loyalty programs, Aeroplan announced changes rolling out in November 2020 that will affect Aeroplan-affiliated credit cardholders, everyday program members and Elite status flyers, while adding new features that aim to reinvigorate loyalty as Air Canada rebuilds Aeroplan from the ground up.  The new Aeroplan, launching November 8, 2020, will see every member’s existing miles convert one-to-one to the new Aeroplan points, and refreshed Aeroplan credit cards from issuers TD, CIBC and American Express will light a fire in an already competitive credit card market heading into 2021. What the Aeroplan relaunch means for credit card holders The notable changes for mid-range and premium cards include one free checked bag on flights booked on points or purchased outright on the card, as well as reward tickets (extended to the primary user, linked authorized users and up to eight travel companions on the same reservation); Status Qualifying Miles on everyday spends; and for the Elite flyers with premium cards, the ability to roll over status miles and eUpgrade credits into the following year if unused. These changes make having the credit card and Aeroplan status beneficial, as opposed to only rewarding on Aeroplan redemption travel bookings.  Part of the program refresh includes reimagining the credit card suite to work with the new Aeroplan Elite statuses. Existing users of all Aeroplan credit cards will be sent the new cards, while most annual fees will increase ($120 will go up to $139, and $399 to $599). Those interested in the new cards may see benefit in applying for the current card before the Nov. 8 launch to get in on the existing lower annual fee.  Overview of new benefits on refreshed Aeroplan credit cards Entry-level cards: TD Aeroplan Platium Visa, CIBC Aeroplan Visa Mid-level cards: TD Aeroplan Visa Infinite, CIBC Aeroplan Visa Infinite, American Express Aeroplan Card Premium cards: TD Aeroplan Visa Infinite Privilege, CIBC Aeroplan Visa Infinite Privilege, American Express Aeroplan Reserve Card  Preferred pricing when redeeming Aeroplan points 1 checked bag free on a revenue or reward ticket (for primary user, authorized user, and up to 8 travel companions) 1 checked bag free on a revenue or reward ticket (for primary user, authorized user, and up to 8 travel companions) 1,000 Status Qualifying Miles + 1 Status Qualifying Segment per $10,000 eligible spend 1,000 Status Qualifying Miles + 1 Status Qualifying Segment per $5,000 eligible spend Preferred pricing when redeeming Aeroplan points Maple Leaf Lounge access (for primary and authorized user) Preferred pricing when redeeming Aeroplan points Priority airport services like priority check-in, security, boarding (for primary and authorized user) Annual companion fare ($99 in North America, offered when you spend a minimum of $25,000 annually) Rollover elite miles/eUpgrade credits Priority upgrades 3 new features for Aeroplan members 1. No more cash surcharges on redemptions Air Canada is removing cash surcharges on reward redemptions. This will significantly reduce the fee added on top of the points redemptions when booking a flight with Aeroplan. In turn, redeeming will be much more attractive, combined with the added ability to redeem for virtually any seat on an Air Canada flight. The result is increased accessibility and added value. 2. Family Sharing The new Aeroplan Family Sharing feature makes it easy for family members (or trusted friends!) to combine separate pools of Aeroplan points into one family pool. The individual totals are still tallied, but points are shared by family members for future redemptions. Miles are redeemed proportionately by each family member for that reward (so you can’t redeem for just one person from their pool). You can only be in one family at a time, and you are bound to that group for three months upon joining. Once you exit, you must remain as an individual for six months before associating to another family.  3. Points + Cash Points + Cash takes a page out of the Marriott Bonvoy program book in redeeming points, and it introduces the ability to redeem rewards for a combination of points with cash. Options of combinations will be made available to users to make the choice that enables better flexibility—ideal for when you might want to bank points for a future more valuable redemption.  Things to watch out for Peak pricing While Aeroplan previously used a fixed-award chart, the new program will introduce peak pricing for flights within North America, and between North American and outside regions operated by Air Canada. On a traditional economy class fare, what would have been 15,000 miles return (plus taxes and fees) would fall into the 6,000- to 10,000-point range, per direction, meaning it could cost 12,000 to 20,000 points round trip (plus taxes and reduced surcharges) in the new charts. Variables would include flight capacity, demand and times, and passengers can see price jumps on high-demand flights, even while seeing potential savings on earlier flights or low-demand periods. Partner flights remain on a fixed chart, as will flights within regions outside of North America. Revenue-based earn coming next year In late 2021, Air Canada will be transitioning to revenue-based earn (points based on the amount spent), marking an official end to distance-based earn. With that, Economy Basic fares will become eligible to earn points, while they are ineligible towards Status Qualifying Miles (SQMs) and Status Qualifying Dollars (SQDs). Simpler calculation of points means greater transparency, with basic fares earning 2x base pre-tax fares, and all fares above earning 3x. Elite members earn more with additional multipliers, and 25/35K, 50K, 75K, and Super Elite will earn +1x, +2x, +3x, and +4x, respectively. In some cases, especially with sale fares, earn rates may see a decrease in the new revenue-based earn calculations compared to what’s currently in place. Changes coming for Elite users Redesigned tiers Members will see the unification of Air Canada Altitude and Aeroplan Distinction statuses, with the new currency being “points.” Points will be collected through spend and travel, while AQMs and AQDs will become SQMs and SQDs—Status Qualifying Miles and Status Qualifying Dollars, respectively. SQMs

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[ad_1] Turkish critics want harder line from visiting head of European court [ad_2] Source link

[ad_1] PM Live: Narendra Modi will soon address the US-India Strategic Partnership Forum, speaking on the theme of ‘US-India Navigating New Challenges’. [ad_2] Source link