It's Back: $100 In FREE Gift Cards And Up To 5% Cash Back On Gas & Groceries!

Over a year ago, I wrote about a very lucrative deal where people could get a $100 gift card to one of four well known Canadian stores and restaurants simply by signing up for one of the best no fee cash back credit cards available to Canadians. It was very popular amongst my readers and a lot of people took advantage of it including myself and my wife.

I’m happy to announce that the same deal is back again, only this time it’s even better! Now, RateSupermarket is offering $100 worth of free gift cards from over 50 Canadian stores and restaurants including all the big names instead of just 4 like before. With that many choices, there is bound to be at least one choice that will please everyone!

How You Can Get Your $100 In Free Gift Cards

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A Complete Guide To Price Matching In Canada

A Complete Guide To Price Matching In Canada

When my first child was born, my wife and I agreed that a digital camera with video recording capabilities was in order; we wanted to be those parents who post embarrassing home videos of their kid on Youtube. I did some research and settled on a Canon model which could take videos in high definition. The only thing left for me to do was to find a decent price that we were willing to pay.

A few weeks went by before I noticed a pretty awesome one-day sale at Aden Camera with 25% discount on the camera we wanted. The store was located downtown and there was no way I was going to make it there in time before store closing. Instead, I walked into a local Future Shop (now Best Buy) where the same camera was listed for the original price of $1099. I told the customer service representative (CSR) that I wanted to price match the camera with the lower price from Aden. The CSR called Aden to confirm the price and stock. Long story short, after about 15 minutes and a price match later, I walked out of Future Shop with the camera we wanted for $825. #PriceMatchFTW.

Bonus: Get this 1.5 page summary of 24 Canadian retailer price matching policies. Print it. Use it. Anytime, anywhere.

What Is Price Matching?

Price matching is a practice wherein a retailer agrees to match a lower advertised price from a rival store and sells you the same product for the lower price.

Many retailers are committed to providing value to their customers through offering products at the lowest prices; however, it is difficult for them to keep an eye on the pricing of all their products. To remain competitive and increase brand loyalty, large retailers will offer to match competitors’ prices for the same items. The details concerning the specifics of what a given retailer will match can be found in a retailer’s price match policy or price match guarantee.

Price matching policies often don’t just apply to items you are going to purchase, they can also apply to items you’ve already purchased:

  1. If a customer has already made a purchase and finds the same item at a cheaper price from a competitor’s store, within an approved time frame, some retailers will refund the difference between the advertised price and competitor’s lower price.
  2. If the retailer reduces their own price on a product within a set period of time after a customer has made a purchase, the customer is often entitled to a refund of the difference upon request.

Related: Get Free Stuff Using The Scanning Code of Practice (SCOP)

The Different Types Of Price Matching

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Missed The RRSP Deadline? Why It May Not Matter

It may not matter if you missed the RRSP deadlineThe deadline to make a contribution to your RRSP for the 2013 tax year has come and gone. What’s that? You forgot to make your contribution? What if I told you it might not matter?

While I believe very strongly that everyone who has the means to do so should be putting money away for the future, the RRSP might not be the best place to put your money.

For nearly sixty years, Canadians have been encouraged to save for retirement on their own using the RRSP so they could be less reliant on government sources for money in the golden years. To do this, the government entices us to save by providing a tax deduction, allowing us to get back a portion of what we contribute to the RRSP as a tax refund. The main theory behind the RRSP is that when we draw on the funds in our savings after we’ve stopped working, we’d be in a lower tax bracket than we had been during our working years, thus we’d pay less tax on the income we received from our Retirement Savings Plans.

I’m going to poke a hole in that theory for many Canadians: If, during your working life, you are already in the lowest tax bracket, which for 2014 is $43,953 or less, putting money away in the RRSP might not be worth it because you’ll pay the same amount of tax on the money in retirement as you’re paying right now. In fact, depending on how much time you have until retirement, tax rates could change and we might be paying more in future, which could make saving in the RRSP a losing proposition.

A Different Perspective

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PC Plus Loyalty Program Review And Tips

PC Plus Loyalty Program review and tipsThe Loblaws Company points program, originally called PC Points, has been around since 1998. Initially one could only earn points at a select few Loblaws grocery stores. In the spring of 2013, the program expanded to include other stores under the Loblaws banner throughout Ontario as a trial run, and subsequently expanded to all provinces in November of 2013.

When the revamped program first rolled out, there were some technical glitches as the new program is largely digital now and minor issues go with the territory. Some customers experienced the app crashing at checkout, and some lost points as opposed to gaining them. However, the customer service for this program is fast so a quick call in will get any issue resolved.

Why You Should Join

The PC Plus program gives you points for things you are most likely to buy. By swiping your card on every visit, the program learns your buying patterns and begins to adjust its offers to best suit what you would actually purchase. In turn, those points can be used to purchase just about anything in the store.

This program significantly closes the gap on the lack of coupons for fresh produce. You can actually earn points on fruits and vegetables and can redeem points for them as well. Users can also specify dietary restrictions such as “vegetarian”, which would keep the program from offering you points on meat, making sure the focus is on what you prefer. This is currently the most personalized grocery loyalty program available. Keep reading » about PC Plus Loyalty Program Review And Tips