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[28 Jul 2012 | Comments Off on Are low interest balance transfers with fees worth it? | ]
Are low interest balance transfers with fees worth it?

In 2008 I began to receive low interest balance transfer cheques from my credit card companies. At the time I had student debt at a high interest rate, so using them was a no-brainer. The offer was simple too: I would transfer a balance onto my credit card, and for 6 months I would have a low interest loan. No balance transfer fees, no limits, no gimmicks. In hindsight, the timing of these balance transfers were strategic. From 2007-2008 capital markets were experiencing the credit crunch, and …

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[30 Jan 2012 | Comments Off on How much is an Air Mile worth?… and why you should opt out of the Air Miles Cash Program | ]
How much is an Air Mile worth?… and why you should opt out of the Air Miles Cash Program

Countless people collect Air Miles, and other reward miles, but I wonder if enough people are asking how much are the damn points worth. The simple answer is that it depends.