Aaron Broverman
Aaron Broverman is a freelance journalist based in Toronto. His financial journalism has appeared in Investment Executive, Financial Post Business and on www.bankrate.caMost Recent Post:
The Truth Behind the Prepaid Credit Cards Celebrities Promote
Filed under: Buyer Beware, Celebs & Money, Consumer Complaints, Credit Cards, Debt, Family Finances, Shopping
These days, it seems talent isn't enough. Celebrities have to get their name and image out there as well, hawking so many products with their faces on them that it can be utterly nauseating. Toys, clothes, fragrances, jewelry, food, drinks, accessories and more: the list goes on ad infinitum.But some things celebrities lend their name and image to are downright dangerous, particularly when they get in bed with the credit and debit card companies largely responsible for so much debt around the world.
More and more the public is able to apply for credit and debit cards with their favourite celebrities face on them, but the fees and interest charges are often so high that only the rich and famous who endorse these cards can afford them.
Ahead, we'll show you whose promoting what cards and pull back the curtain on what the card companies are charging you to have them.
Buying a Car? The Lingo You Need to Know
Filed under: Buyer Beware, Budgeting & Planning, Economizer, Shopping
Any first time car buyer is guaranteed to be intimidated by the terms and lingo used by most salesmen on the lot. Problem is, if you miss what's being said, you may miss great opportunities to save big money. This is why we've prepared a gallery of all the lingo you need to know to gain the upper-hand when buying a car. Some of these terms aren't even supposed to be public knowledge, but members of sites like CarCostCanada.com will get a piece of that secret information and most definitely gain an advantage during the negotiation process.Click on a a photo to find out how.
What to Watch Out For When Buying a New Car This Spring
Filed under: Budgeting & Planning, Economizer

With spring in the air and summer on the way, Canadians from coast to coast have begun asking themselves that age-old question, "Is it time for a new car?" It's no surprise the country's automakers are listening. "Manufacturers realize a growing number of consumers consider purchasing or leasing new vehicles in the spring," confirms Ben Spatafora, National Director for Car Cost Canada, "and they've become very competitive in enticing consumers to act on their impulses."
Trouble is, car-buyers can feel intimidated by the flood of advertising being pushed their way. "It can be overwhelming," adds Spatafora, "not to mention confusing. At Car Cost Canada, we believe an informed consumer is an empowered consumer. Since 1999 we've made it our mission to provide our members with up-to-date, easy to understand, essential information that allows them to not only choose the right vehicle for their needs, but also save Time, Money and Aggravation in the process."
Car Cost Canada is a is a national service that provides detailed, online new vehicle pricing data for its members. The company's website at CarCostCanada.comis accessible 24/7 and is continually updated, making it easy for potential car and truck buyers to compare every manufacturer's current incentives, factory rebates, cost pricing information, finance and lease rates, and more. As such, they're the perfect people to tell you what to look for if you're in the market for a new car this spring.
The 10 Most Decadent Starbucks Frappuccinos Found on the "Secret Menu"
Filed under: Food & Drink, Shopping, Weird & Wonderful
This summer Starbucks is rolling out the latest experiment in American gluttony that's sure to put the Double Down or the Doritos Locos Taco to shame.It's called The Caramel Ribbon Crunch Frappuccino (see photo on right) and it's reportedly coming to the menu as a kick-off to summer on April 30. It features three kinds of caramel with caramel syrup, dark caramel sauce and a caramel crunch topping, that's akin to creme brulé, all mixed in. You also have your choice of milk and if that amount of caramel isn't enough for you for some reason, you can still request the requisite caramel drizzle over a healthy dollop of whipped cream.
The overboard decadence of it all makes us think it was once a custom order from the "Secret Menu" -- featuring flavours that start out only in a savvy customer's imagination and then are faithfully recreated by an understanding barista.
In honour of the coming Caramel Ribbon Crunch, we thought you'd be mesmerized by these equally decadent flavours from "The Secret Menu" that will test the skills of your local barista.
SLIDESHOW: The 10 Most Decadent Starbucks Frappuccinos

Shark Tank's Robert Herjavec Gives You 'The Will to Win'
Filed under: Celebs & Money, Employment & Careers, Entrepreneurship, Television, Book Reviews, Small Business, Pop's Wallet
In Driven: How to Succeed in Business and in Life, Shark Tank's Robert Herjavec recounted how he went from a Croatian immigrant at eight-years-old to the founder and CEO of The Herjavec Group -- now the country's largest IT security firm and consistently topping lists as Canada's fastest growing technology company."We started The Herjavec Group ten years ago with three guys and $400,000 in sales and we finished at $125 million last year and just today, we bought another one of our small competitors that does $30 million a year," he says.
With results like that, it's no wonder he was recently named Ernst & Young's 2012 Entrepreneur of the Year in the technology group and is always pushing the limits of his own success even further. He wants you to reach new heights of success this year too, which is why he wrote The Will to Win: Leading, Competing, Succeeding (HarperCollins Canada) a sequel of sorts to Driven.
While Driven urged readers to take risks, take control of their lives, and stay true to their own visions, The Will to Win pushes them to refuse to accept mediocrity, use their power at the right time and always be willing to adapt and change, with some special advice from Herjavec's celebrity friends like Oprah, Celine Dion and UFC Welterweight Champion Georges St. Pierre thrown in for good measure.
We caught up to this Ferrari racing, marathon running, cyber security expert just long enough for him to tell us whether he's truly afraid of anything, why it seems like sometimes his investment offers get passed over in favour of the bigger fish in the tank and whether The Millennial Generation needs to invent their own job.
Gail Vaz-Oxlade Exposes Your Funky Finances on 'Money Moron'
Filed under: Celebs & Money, Budgeting & Planning, Debt, Family Finances, Saving, Weird & Wonderful, Television
There's probably nothing worse than being called a Money Moron by financial expert Gail Vaz-Oxlade while it's happening.Just ask James and Deanna, this actor and actress couple received a rude awakening about the state of their finances when they were voluntarily ambushed by Vaz-Oxlade and her "tough love" approach to financial health on her new show of the same name (Premiering Friday April 19th at 9 p.m. EST/6 p.m. PST on Slice).
So, what exactly is a "Money Moron" and could you be one?
Top 10 Ways to Workout For Nothing, or Next to It
Filed under: Bargains & Freebies, Budgeting & Planning, Debt, Family Finances, Health, Saving, Going Green
It may not feel like it yet, but spring has sprung and summer is just around the corner.Looks like there's no time like the present to work on that bikini body or maybe dust off that New Year's resolution to get healthy. Spring is a time of new beginnings, so why not get back on that horse and ride?
One reason might be the cost. Gym memberships can run you $40 to $50 a month or more and when you add the initiation fees, you're looking at at least $800 a year. In fact, Stephen Dubner and Steve Levitt of The Freakonomics Blog say that people over estimate their use of gym facilities by 70%.
But why break a sweat looking at your bank account balance when you could be breaking a sweat for cheap or even for free. Look, we're going to tell you what the gyms probably don't want you to know, there are ways to hack the exercise oligarchy and we're going to show you some of the best of these.
How to Survive the Worst Allergy Season Ever
Filed under: Health, Saving, Going Green
This year's allergy season and every allergy season thereafter will be some of the longest and worst we've ever seen, according to some allergy and immunology experts."[This] promises a robust allergy season,'' Leonard Bielory, an allergy and immunology specialist with Rutgers Center for Environmental Prediction in New Jersey, told The Huffington Post.
The reason is climate change and the "Stacking Effect" it creates. When the weather is unseasonably warmer than usual tree pollen levels go up, only to continue to rise and fall as the temperature does the same. Finally, when the excess tree pollen created by the warmer than normal temperatures meets the pollen normally created in the spring months, this creates the stacking effect of more and more pollen over a longer than normal period of time, which becomes hell for any chronic allergy sufferer.
The allergy season is apparently going to be particularly bad in the northeast covering Toronto, Montreal, Ottawa, Boston, New York and New Jersey due to particularly wacky weather and of course, Hurricane Sandy. The late fall early spring combination has mixed with the extra moisture and carbon dioxide in the air to nourish the trees, produce more pollen and more mould spores.
Even though it's certainly going to be an uphill battle this allergy season, you can survive it and we'll tell you how.
Our Favourite Childhood Characters Were Actually Clever Marketing Ploys
Filed under: Buyer Beware, Celebs & Money, Weird & Wonderful
The mid-eighties were a time of gargantuan mega-crossovers in comics. The first was DC Comics' Crisis on Infinite Earths.At the time, the DC Universe was made up of parallel earths as a way of explaining why Superman, Batman, Wonder Woman and the rest of their iconic heroes never aged, despite dating back to the 30s and the 40s. The reason was the heroes you were reading about were the Silver Age versions of Superman, Batman and the rest who all lived on Earth One, while those Golden Age heroes from the 30s and 40s all had aged and were living out their lives on Earth Two.
Every year, the Justice League on Earth One would team up with the Justice Society of Earth Two in annual crossover events called Crisis on Earth One or Crisis on Earth Two, etc. nineteen eighty-five's Crisis on Infinite Earths was the first time all of the heroes from all of the parallel earths appeared together in one, 12 issue, mega-crossover event. The series was hugely successful and served to merge all of these parrallel earths into one single earth, which is how they would stay until 2006's Infinite Crisis.
It was thought that the planned Crisis on Infinite Earths inspired Marvel Comics' own mega-crossover -- Secret Wars, and Crisis may have played a role, but Secret Wars came out first and it was actually toymaker Mattel that set Marvel's beloved crossover story in motion.
Ontario's Social Assistance Reform Plan Takes From Our Most Vulnerable Citizens
Filed under: Budgeting & Planning, Debt, Family Finances, Saving
On Walletpop we often focus on those who have no problem getting work or keeping a roof over their head. However, recent movement from the Ontario Government indicates a decision may be coming that, if it goes through, will have a catastrophic effect on the personal finances of the most vulnerable among us.The Ontario Ministry of Social Services provides income, employment and other social support for over 700,000 people through its two bulwark social assistance programs.
Advocates, beneficiaries and even the providers of the Ontario Works Program [OW] (formerly called "General Welfare') and the Ontario Disability Support Program [ODSP] have been saying for at least 15 years that both of Ontario's social assistance programs are in desperate need of reform. With that directive, The Commission for the Review of Social Assistance released their final report on October 24, 2012 with 108 recommendations and now Ontario Premiere Kathleen Wynne has said she wants to move forward in implementing those recommendations.
However, the changes recommended were not what advocates and recipients of either program had hoped for. Instead of helping people out of poverty with comprehensive systemic and long-term support, they fear the recommendations, and their focus on austerity through a continuing pressure-filled and punitive strategy, will see the majority of the province's social assistance recipients, particularly those with disabilities, left to completely fend for themselves in a dire struggle for their own survival.
In our last post on this issue, we answered why making employment a mandatory condition of receiving social assistance would put many of the people with disabilities receiving ODSP at significant risk. Now, we will reveal that the increase in income for those on OW is done by reducing the benefit for those on ODSP, which creates an even more meager sum than those people with disabilities survived on prior to the recommended reforms. It's a sum with no basis on the current cost of living and a sum that's well below the commonly accepted poverty line.





