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5 Tips for Seeing the 2013 Blue Jays

Filed under: Budgeting & Planning, Food & Drink, Travel

See the Blue Jays play for less in 2013
As Opening Day arrives, the Toronto Blue Jays are in a position they haven't been for two decades: They enter the baseball season as World Series favourites. The addition of three elite starting pitchers - Cy Young Award winner R.A. Dickey, Mark Buehrle and Josh Johnson - as well as All-Star position players Jose Reyes and Melky Cabrera ensure the Blue Jays will be one of the most exciting teams to watch in 2013. The offseason moves have rekindled thoughts of the feats former general manager Pat Gillick pulled off in the early 1990s. Whether this team can bring the glory days of 1992-93 back to Toronto will not be revealed for months. For now, what we do know is the electricity that has been absent during the past 20 years - as the Jays have failed to come within even a warning-track flyball of the postseason - will be back. They are going to be competitive. Game days will be exciting, bars and restaurants will be full, hotels will enjoy a boost with visitors coming in to see the hottest show in town.

If you're going to see a game, here are five tips to save you money and help you get the most out of the Blue Jays' experience:

SLIDESHOW: 5 Tips to See the Jays for Less

5. GETTING BLUE JAYS TICKETS

1. WHERE TO PARK IN TORONTO2. BEST PLACES TO EAT FOR BLUE JAYS GAMES3. WHERE TO STAY IN TORONTO4. ENJOY OTHER SIGHTS5. GETTING BLUE JAYS TICKETS



How to Make the Most of Your RRSP Contributions

Filed under: Retirement and RRSPs

RRSPIveta Koskina has seen Canadians rack up their retirement dollars through some fine-tuning of their portfolios and she's also noticed a lot of people miss out "simply because of a lack of knowledge."

A senior financial planner with a proven track record, Koskina has plenty of knowledge to impart to existing and prospective clients, especially in the midst of RRSP season. She offers these three tips for making the most of your registered retirement savings plan.

Ways to Save for That Much Needed Family Holiday

Filed under: Budgeting & Planning, Family Finances, Saving, Travel

Fun, sun, debt. As the weather turns gloomy many of us are casting our eyes towards winter holidays. Mixed in with the excitement though is the stomach-turning thought that airfares, hotels, and car rentals will linger on our credit card statements until well into next summer. Fun with your spouse and kids doesn't need to come with a heavy dollop of financial stress. You can have the holiday you want and deserve by being smart and savvy. Here are a few simple tips to get you started:

Travel outside main vacation periods
If you have school-aged children, you're pretty much stuck with Christmas holidays and March break but if you've got infants, toddlers or kids who are often suspended look to off-peak periods when the best deals can be found. Florida in April is at least 20% cheaper and you've got a better chance of basking in consistently fantastic weather when spring in Canada has not yet sprung.

Look into travel benefits through your company
One of the real benefits to giant corporate globalism is the rise of travel benefits for the everyman and woman. Often big companies will negotiate preferred rates with hotel chains and car rental agencies - and you don't have to be traveling for business to take advantage. Sometimes corporate credit cards, such as the RBC Avion card, will allow you to collect rewards points and they will often cover car rental insurance too.

Tips for Buying Your First Home in Canada

Filed under: Banks, Budgeting & Planning, House & Home, Loans, Real Estate, Real Estate, Your Home

first homeOwning a place to call your own is understandably a top priority for many Canadians. Buying that first or only home is also likely to be the biggest financial decision many of us will ever make.

Like any decision that involves large amounts of money, there are good choices and bad choices that can be made that will have huge impacts on your finances decades down the track, possibly resulting in differences of tens or hundreds of thousands of dollars. Navigating the maze of choices can be exhausting, but spending that time to do your research will pay off.

Here are some tips and resources for those setting foot in the market for the very first time:

These Saving Tips Are Effective

Filed under: Economizer, Saving

savingsA good homemaker would leap over the fence to save a feather that's gone astray.

That's a wisdom from Bozena Nemcova, a Czech fairy-tale writer who lived and worked in the 19th century.

Why a feather? Well, people used them to fill pillows and blankets. It was hard work to get enough of them together to do the job on one pillow, never mind a full-body blanket.

How to Optimize Your RRSP Investment Portfolio for 2011

Filed under: Budgeting & Planning, Investing, Retirement and RRSPs

Best RRSP investment opportunitiesAfter a shocking start to the year, Canadian pension plans recovered most of their losses toward the end of 2010, helped by stock market gains and a slight rebound in long-term government bond yields.

Investment fund managers expect this gradual improvement to continue in 2011 as stock markets rise and long-term bond yields inch marginally higher on the back of interest rate increases, according to a survey by Mercer Investment Consulting.

Pension plans suffered throughout the first three quarters of 2010 due to declining long-term government bond yields, a factor that offset decent stock market returns. However, Mercer says a 20 basis point increase in yields in the last three months of the year helped the typical balanced portfolio to a return of 9.2 per cent over the year. Mercer data show that 'Canadian equities' was the best performing asset class in 2010 with a return of 17.6 per cent. On the other hand, the strengthening Canadian dollar had a negative affect on foreign equity returns throughout the year.

Creative Ways to Land a Job in a Tough Market

Filed under: Employment & Careers

It's a tough jobs market right now with a large number of candidates vying for a small number of jobs. As such, it's important to make sure you stand out from the pack and grab the attention of your prospective employer. How you do this though varies significantly depending on the industry you work in. And it's important not to go too far. As one employer put it recently in a Globe and Mail story, "There's a fine line between creative and crazy."

Years ago when I was a young university graduate trying to break into the radio business, a number of announcers mentioned that, when sending my resume to different stations, I should also send a gift -- perhaps a basket of baked goodies or some wine. I didn't like the sound of this -- not only could the job hunting process become expensive, especially for someone without a job to start with, but I believed that the right candidate for the job should be based on skills, not their ability to suck up to their prospective boss.

College Kid Credit Card 101

Filed under: Credit Cards, Back to School

If you're headed to college and you don't already have a credit card, you'll certainly have opportunities to nab one by the end of frosh week with all the credit card companies trading contracts for free t-shirts in the quad. Getting a hold of some plastic can be a good thing, you'll need to build at least some credit history to rent an apartment or buy a car down the road, but if you're already an impulsive shopper who can't properly manage the limited funds you undoubtedly already cling to, then any credit card can mean financial suicide.

However, if your looking for a life-raft in the confusing and no doubt murky waters that are financial responsibility, we'll do our best to throw you a line with a few helpful credit card management tips to get you started on the basics. After all, credit doesn't have to be that scary, you just have to know how to tame the lion.

Should You Even Be Getting One of These?

That's the first question you should pose to yourself before christening your first charge card. Look at your financial attitude honestly: Is it one of malaise and indifference, or do you already keep a budget and handle other bills, rent or bank accounts responsibly? You also need to really examine why you want a credit card at all. Are you going to use it strategically, like only in the event of an emergency, or do you regard a credit card as the expansion of the spending power you already have? A credit card is essentially a loan -- the credit card company loans you the money and every time you sign the receipt you're promising to pay back the money. If you cannot pay back your outstanding balance by the end of the month, there are consequences, which brings us to...

Read and Understand the Fine Print

Beyond the teaser rates (those temporarily lowered promotional interest rates) it's important to find out what the real interest rate is after the typically, six-month "holiday" is over and what the consequences are if you are late with a payment or fail to make one? What are the fees you are required to pay as part of the penalization? Finally, what is the interest rate on a cash advance or a credit cheque? You should also know that missed payments stay in your credit report for seven years. Also, it's important to realize that the dates for payment can change without notice, so keep an eye on your statements every month. Such a change is a great excuse to call your credit card company and ask them to reduce your interest rate for you. Truth be told, most companies would rather lower your rate than lose your business.

Keep on Top of Your Payments

The best way to bypass all the tsuris associated with credit cards like debt, interest charges and a poor credit rating is to just payoff the balance every month. Yes, it is that simple. Keeping the tab on the card manageable makes it easier to pay off the outstanding sum. Just paying off the minimum payment is a guaranteed way to keep you in debt for years with the interest compounding as the months go by. Very soon you will be paying off the balance and more, so it's best to stem the flow right away. Of course, things happen, so if you can't pay the full balance, pay the maximum amount that you can. Whatever amount you're paying, make sure you pay early (at least a week) to avoid late fees.

Walk on By

Remember that just because someone is beckoning you with a credit card offer, it doesn't mean you have to take it. You can even fight back against if you don't feel you're ready to manage a card of your own. Some colleges whore out student phone numbers and addresses to credit card companies as part of marketing deals. Lobby your school to not sell student info and ask your student government to stand in solidarity with you and support that initiative.You can also take the opportunity to put your name on the 'Do Not Call List' to reduce your instance of being pressed by credit card providers over the phone.


How to Sell Successfully on Craigslist

Filed under: Bargains, Economizer, House & Home

I am in the midst of a Craigslist adrenalin rush, running as fast as I can chased by hungry Craigslist bargain hunters. Just as I think I've time to sit and take a rest, the chase resumes. It's exhausting, but as each unwanted item disappears from my apartment, my wallet grows a little fatter, and that feels good.

Until now, I'd never sold anything on Craigslist, although I'd spoken to many people who had tried, and mostly failed. I think it's these experiences that left me totally unprepared for the whirlwind I've just entered. My Craigslist listing has been overly popular. Since I listed the entire contents of my apartment for sale on Sunday night (I'm moving and it's all got to go!) my phone and my email have been buzzing nonstop. I've had people in bidding wars over my Ikea bookshelf and urgent emails from my boyfriend begging me not to let the man who wants the TV take it just yet - after all, the NBA finals and Premier League Soccer are on.

So what did I do?
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