EM – Here’s why switching to a credit union could make 2022 a better year for you


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As the end of 2021 approaches, maybe think about the last 12 months and what you want for yourself in 2022. Make it your year by setting some concrete monetary goals.

Are we hoping for some financial prosperity? The first step to being successful: Find out about your current bank.

There’s a good chance the company you do banking with was chosen by your parents when you were younger, and that relationship likely continued out of convenience. But there are so many other options that you can explore when it comes to your money.

A credit union is a safe and well-regulated financial institution, just like a bank. But credit union members aren’t just customers – they are actually owners.

Credit unions take a community-based approach to banking, so you must buy a member’s share in order to open an account.

While the cost will vary depending on the credit union you choose, member shares can be as low as $ 1 and are refunded to you when you close your account.

Just like a bank, credit unions have online options as well as brick and mortar locations where you can do your personal banking. Debit or credit cards issued by credit unions are also accepted wherever a traditional debit or credit card is accepted.

Members of the credit union can use the shared service ACCULINK and the
Exchange Network.

Canada’s credit unions are so well known for their excellent customer service that they have won the Ipsos Customer Service Excellence Award for 17 years in a row.

But while credit unions and banks appear similar – both offer a variety of banking products, such as checking and savings accounts, lines of credit, loans, and mortgages – there are some key differences between the two.

One big difference: As a member of a credit union, you have a say – and all members have the same influence.

If you enjoy buying your groceries and clothes locally, credit unions offer you the option to manage your money locally. Credit unions are trying to get around
make a positive impact in their local communities by contributing to the economic, social and environmental well-being of the places they serve.

In 2019, Canada’s credit unions have
contributed over $ 53 million through donations and sponsorship, and employees volunteered over 300,000 hours.

While it is common for people to apply for mortgage loans from traditional lenders such as banks, credit unions are another great way for Canadians to get into the housing market.

Credit unions provide practical services to their members to help them succeed. In fact, they are among the largest homeowner lenders in the country. To date, credit unions have issued residential mortgages of $ 131 billion and recorded the lowest arrears mortgage rate at 0.13 percent.

Over 5.9 million Canadians use a credit union – don’t know where your closest is? You will find it
Locations in both small towns and large cities. In fact, in hundreds of communities across Canada, a credit union is the only stationary financial institution available.

If you want to start the New Year right away in control of your finances, you can just set a budget and stick to it
a day of no spending once a week or set up pre-authorized money transfers with your new credit union so you can save without thinking about it.

No matter what your financial goal is – your first home, a new car, a renovation or a dream trip –
Canada’s credit unions could help you with that.

This content is for general informational purposes only and does not constitute financial, investment, legal, tax, or accounting advice.

If you’ve ever stood in front of the Ben & Jerry’s area of ​​the freezer aisle, you know the difficulties involved in choosing the delicious pints for your home.

Making that decision even more difficult! Because this summer (literally) something exciting awaits ice cream fans, and it’s all about Ben & Jerry’s most decadent pints yet.

Ben & Jerry’s new core ice cream flavors take cookie dough, fudge, peanut butter, and brownie batter and transform them in a delicious core in the middle of a pint that will give you more of what you love.

Whether you indulge in creamy peanut butter, decadent fudge, sticky brownie batter, or chewy cookie dough, you’re going to be spoiled. And if you think you can never have enough of good things, Ben & Jerry’s new digital scavenger hunt is for you.

To celebrate the launch of Ben & Jerry’s Cores, they’re giving Canadians the chance to win a year’s supply of Ben & Jerry’s ice cream and tons of other exciting prizes. The #ToTheCore hunt started on Wednesday, August 18 and will last until 11:59 p.m. on Sunday, August 22. EUROPEAN SUMMER TIME.

If you’d like to get involved, look out for your first clue each day on Ben & Jerry’s Canadian Facebook page that will lead you to solve a number of puzzles. Once you’ve solved the final puzzle of the day, you will be taken to the Ben & Jerry’s competition center to enter your answer, unlock the core, and reveal your prize.

Clues and puzzles change every day which means that every day is a new chance to win incredible prizes. For more information, visit Ben & Jerry’s # ToTheCore page here.

Every day, two lucky players win the top prize of Ben & Jerry’s one year ice cream, but if you’re not, don’t sweat. There are more than 150 other prizes to be won per day, including one or six months of free Ben & Jerry’s ice cream, exclusive branded swimsuits, branded swag kits and over 10,000 vouchers for Ben & Jerry’s ice cream.

Anyone who enters will also automatically take part in a raffle to win a unique Ben & Jerry’s Parka that will keep you warm and cozy in the winter months – even while eating ice cream!

So flex your puzzle muscles, keep Ben social & Jerry starting Wednesday the 18th.

Ben & Jerry’s Core Ice Cream flavors are available at major retailers across Canada including: Peanut Butter No Bake Cookie Dough Core, Peanut Butter Fudge Core, Brownie Batter Core and Chocolate Chip Cookie Dough Core. Each sells for $ 6.99 to $ 7.99.

When: The hunt begins Wednesday, August 18 at 12pm. EST and runs until 11:59 p.m. on Sunday, August 22nd. EUROPEAN SUMMER TIME.

Details: To celebrate the launch of Ben & Jerry’s Cores ice cream, the Ben & Jerry’s team worked with clue masters to create fun digital puzzles and experiences that should be fun for everyone – no matter who whether you compete alone or with family and friends. Prizes include free ice cream for a year and other exclusive merchandise like Ben & Jerry’s swimsuits, swag kits, and a one-of-a-kind Ben & Jerrys parka.

Knowing how to manage your money can be tricky. Personal finance isn’t usually taught in schools, and if you don’t have a financially savvy person in your life, you may need to figure it out for yourself to get more value from the things you do every day, Narcity did with Erica Nielsen, senior vice president President of Everyday Banking and Client Growth at RBC.

They talked about tips to help you manage your money and about the launch of RBC Vantage – which gives you access to a full range of benefits, interactive tools, rewards and savings that are easily available with an RBC bank account.

“Saving money isn’t impossible and achieving your goals is easier when you start with a plan,” said Nielsen. “If you have an incentive in mind, you can also avoid spending your savings on an immediate temptation.” As a first step, a good tip is to take stock of where you stand financially and to put your goals on paper bring to. Both short-term goals (like paying off credit card debt or a weekend getaway) and long-term goals (like buying a house) will inspire you to leave that money alone.

Look for a rewards program that makes it easy for you makes to earn points for the things you already do every day.

With RBC Vantage, for example, eligible customers can now earn RBC Rewards when using direct debit. Not only does this give you more opportunities to earn rewards, but it is also a great benefit if you do not have a rewards credit card. You can also access so many more rewards and savings from great Canadian brands like Petro-Canada and Rexall.

“Whether you’re saving on a big purchase or looking for ways to pay for everyday expenses and purchases, Reward Points can be an important one Play a role, ”said Nielsen.

It can be difficult to know which bank account is right for you. A good place to start is to find an account that has features that will leave more money in your wallet – from ways to save monthly fees and unlimited transactions to savings on ATM fees.

To help you find To help, RBC has introduced new interactive tools to make it easier for you to find the account that best suits your needs and discover even more benefits.

And if you’re a student, be sure to check out the new RBC Try out Advantage Banking. The monthly fee on this account is free for full-time students while they are studying.

AI-driven tools like NOMI make it easier to break down some of the barriers some people face when managing money, such as: From budgeting to saving, NOMI can help you manage your finances with confidence. (There’s more to it!)

You can also use a helpful digital platform like MyAdvisor to create a personalized plan and connect with a counselor in your community online, by phone, or in person.

“Budgeting is a fundamental tool that helps you manage your money and stay in good financial shape,” said Nielsen. “It puts you in control of your daily expenses and financial future by making you more aware of where your money is going.” Even so, less than half (49%) of Canadians hold up, according to the 2019 Canadian Financial Capability Survey a budget. If you’re considering getting a grip on your budget but feel overwhelmed by the idea, rest assured that you won’t have to start from scratch.

Consider a digital tool like NOMI Budgets that can help you the hard work decreases. It takes the math out of money management by recommending personalized budgets based on your spending habits, and it can help you stay up to date with notifications and reminders.

Setting up automatic transfers from your check to your savings account can help you meet your savings goals, especially if you tend to spend your income as soon as it hits your account.

There are also handy tools that will help you never miss an opportunity to save. For example, RBC’s NOMI Find & Save allows customers to save money they didn’t even know they had. This feature “uses predictive technology” to find extra dollars that it believes you won’t miss and automatically transfers it to a savings account.

There are plenty of resources and experts out there who can help you manage your money better, create a savings plan, set a budget, and more. Whether you’re reading what experts say online or getting personal advice from a banking professional, the most important thing is decide that you want to know more about your money and seek advice.

And when it comes to your day-to-day banking, RBC Vantage combines useful functions that will help you get your finances on the right track and get more value from your banking business.

This content is for general informational purposes only and does not constitute financial, investment, legal, tax, or accounting advice.

If you’re interested in fitness, you probably already know that it’s about more than just making you sweat with your movements. It’s about channeling your inner fighter and becoming your best self, whether you’re doing a workout or training for a competition.

With gear from iconic names like Everlast, it’s easy to train like a champion when You have the ambition to go with it.

Everlast lives and breathes boxing. The brand began making boxing gear over a century ago and has not looked back. Since then, some of the sport’s greatest champions have won their titles at Everlast, including Jack Dempsey, Sugar Ray Robinson and Claressa Shields.

The brand is associated with leading fighters and athletes for making boxing and fitness equipment that will help you improve your workouts and get in fighting shape. If you’re a fighter, trainer, or instructor in boxing or boxing fit, Everlast wants to see what you have got.

This isn’t just a boxer casting call. The brand opens its list to Canadians who fight, train, or just like to incorporate boxing technique and fitness into their routine – and they do that with a competition.

If you win, you’ll be invited to Team Everlast – with the Canadian Olympic Champion Mandy Bujold as captain and other top athletes and coaches as teammates – by simply uploading a boxing video of yourself on social media and telling Everlast why you should be selected. Everlast is also looking for leaders in the boxing community who will recognize their efforts and the impact they have made.

The winner will receive a six-month partnership as part of the brand’s elite crew and will also become an official ambassador and a member of Team Everlast (next to an Olympian, no big deal!).

So what’s it like to be an ambassador for Team Everlast? Well, you get great opportunities to be present at promotional and community events and, since no ambassador can work without the right equipment, you get Everlast goodies too.

In return for your support, Everlast rewards you with $ 1,000 to spend on your choice of Everlast fitness and boxing equipment. If you have your own events, courses, or initiatives, Everlast also provides you with product swag for attendees.

Most importantly, you are next to a brand that shares the same values ​​as you.

To get your name in the ring, simply upload a boxing video (using pads, conditioning, or roadworks) with a caption explaining why you should be the chosen one for Team Everlast. Upload it to Instagram or Facebook and tag @EverlastCanada for a chance to win.

If you’re strong, dedicated, authentic, fearless, and ready to set the standard, now is the time to shine . Good luck, champion.

It’s officially barbecue season, and that means a summer full of burgers, hot dogs, salads and skewers. Of course, no garden barbecue session is complete without an impressive selection of spices. It is not a barbecue without seasoning your food with delicious mayo, aioli or tzatziki – but what if you try a plant-based diet?

While some are stuck in the past and think that choosing vegan foods means doing without on taste means, Hellmann’s cracked the code to make a rich, creamy and tasty mayo with 100% plant-based ingredients.

This summer, Hellmann’s is launching Vegan Baconnaise across Canada. With a generous scoop of baconnaise, you don’t have to miss out on the smoky umami flavor you get from a grilled lunch. The bacon-flavored spread is the perfect addition to veggie burgers, french fries, potatoes, pizza – anything else you would normally soak in mayo.

If you like a little variety in your spices, you’ll be happy to learn that Hellmann’s is only bringing two more vegan mayos onto the market for a limited time: Vegan Chipotle and Vegan Garlic. The chipotle flavor is the ultimate buddy for your sweet potato fries, and the creamy taste of a vegan garlic mayo sauce adds a delicious touch to your veggie burger.

Aside from these well-known summer dishes, the new plant-based sauces from Hellmann can be added to any recipe you would use regular mayo for. You can use it as a dip for a vegetable tray or as an ingredient in a vegan-friendly potato salad. The possibilities are endless and they are all equally delicious.

But here’s the kick: These flavors are only available for a limited time. From now through September (or while supplies last) Hellmann’s Baconnaise, Chipotle and Garlic Vegan Mayos will be available in Sobey’s and Metro across Canada. If you want to be one of the few who can try these new vegan sauces, make sure to add them to your shopping list for your next visit to the store.

To show off just how good these new vegan mayo sauces are with flavor, Hellmann’s bacon lovers across Canada are bringing the taste of the new vegan baconnaise flavors by handing out free coupons to try for yourself.

If you have the name “Bacon” on your social media accounts , living on a “bacon” street, in a “bacon” bay, in a “bacon” alley, or even having “bacon” on your behalf, keep an eye on the social media because you may get a free coupon

And with that you will perhaps appreciate how good plant-based foods can be.

Details: Hellmann’s is launching a vegan mayo range in three delicious and 100% plant-based flavors for a short time .


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