RedFlagDeals.com - Latest Financial Services Deals

HRBlock.ca: Save 20% On H&R Block At Home Tax Software + Free Shipping & Bonus Offers

Tue, 07 Feb 2012 19:42:54 +0000

Happy tax season! Now that it's here, why not celebrate it with these discount offers from HRBlock.ca:

Save 20% on H and R Block At Home Tax Software with coupon code HRBC20 ($6 savings off the $29.99 price)
Get free shipping on your H and R Block At Home Canadian Tax Software with coupon code HRBCFS
Bonus with purchase - free Audit Assistance ($75 value)
Bonus with purchase - free copy of Canadian Tax Tips for Dummies

Note: H and R Block At Home Tax Software is not compatible with Mac operating systems, but Mac users can still take advantage of the H and R Block At Home Online version.

For more information, or to get started, visit HRBlock.ca.

65% off online Chinese language lessons

Sun, 05 Feb 2012 08:50:09 +0000

Live lessons with native Chinese instructors
For all ages and levels
Learn in the convenience of your home
Lessons recorded for later reference

ING Direct: 10 Year Fixed Rate Mortgage at 3.99%

Thu, 26 Jan 2012 22:45:14 +0000

Low mortgage rates are still making a big splash. If you're looking for long term security, ING Direct is offering a 10 Year Fixed Rate "Unmortgage" at 3.99%. Some other institutions have followed suit, but a 10-year fixed rate mortgage at under 4% is definitely news!

ING Direct mortgages give you flexible prepayment options -- you can make lump sum payments up to 25% of your original mortgage amount and increase regular payments up to 25% every year.

If you're still considering your options, you can compare mortgage rates with the RedFlagDeals.com mortgage comparison tool.

2.99% 4-Year Fixed Rate Mortgage

Tue, 24 Jan 2012 15:26:00 +0000

CIBC is offering a 4-year fixed rate mortgage of 2.99% for a limited time. In addition, they are also having a special offer rate of 3.99% on their 7-year fixed rate closed mortgages.

Check out their fixed mortgage rate page for more details.

2.99% 4-Year Fixed Rate Mortgages @ CIBC, RBC, TD, and Scotiabank

Sun, 22 Jan 2012 14:14:45 +0000

After BMO jumped out of the gate with a 5-year fixed rate mortgage at 2.99%, other financial institutions have responded aggressively with low mortgage rate offers of their own. Now, multiple banks have 2.99% 4-year fixed rate mortgages!

Instead of the extra year you get from BMO, these 4-year mortgages tend to have a more flexibility in terms of paying off your mortgage -- longer amortization periods and higher prepayment/payment increase options, for instance. No offer is definitively better than the other since everyone has different needs.

All in all, it's a good time if you're hunting for a mortgage. Even if you aren't, educating yourself now will help you in the long run. You can start doing more research with the RedFlagDeals.com mortgage rate comparison tool.

ING Direct: 2.5% 90-Day GIC + $25 Bonus When You Open a RSP or TFSA Account (For New Clients Only)

Sun, 08 Jan 2012 21:28:24 +0000

If you have money idle in your account, you might want to look into this GIC option currently available at ING Direct. For a limited time, ING Direct has a 2.5% interest 90-day GIC.

You can choose to put this GIC towards your Retirement Savings Plan (RSP) or put it in a Tax-Free Savings Account (TFSA). If you put your GIC in a TFSA, you can withdraw funds and re-deposit that amount the following year in addition to your annual $5,000 contribution limit. Unlike RSPs, your TFSA contributions are not tax-deductible. Click here to learn more or get more insights from our Forum. The 2.5% GIC offer is available until February 29.

Right now, ING Direct also has a promotion for new clients. If you open a RSP or TFSA account with ING and deposit $100 or more, you can get a $25 bonus. This bonus, unfortunately, is offered to new clients only. Click here to get more info from our Forum members.

MBNA Smart Cash Platinum Plus MasterCard: No Annual Fee, 3% Cash Back on Gas/Grocery, 1% On Other

Sat, 26 Nov 2011 20:40:08 +0000

November 26, 2011 Update: With the news in August that TD bought MBNA Canada, we can't be certain how much longer the Smart Cash Platinum Plus MasterCard will be available. To date, it remains one of the best no-fee cashback credit cards on the market, and it's very much worth a look if you don't have one. It could definitely come in handy during the holiday season, too!

Originally posted September 24, 2009: Still looking for the right credit card? MBNA has put an impressive credit card offer online. The MBNA Smart Cash Platinum Plus Mastercard is a no annual fee card with some pretty robust cash back rewards. Here are the details:

Get 5% cash back on net gas and grocery purchases for the first 6 months (up to spending $600 per month, 1% thereafter)
Get 3% cash back on net gas and grocery purchases thereafter (up to spending $600 per month, 1% thereafter)
Get 1% cash back for all other net retail purchases
1.99% introductory annual interest rate on balance transfers and cheque cash advances for 10 months
No annual fee

As a platinum card, it also carries the the normal platinum benefits -- a warranty extension of up to one additional year on most new purchases and free car rental insurance when renting vehicles. In terms of application restrictions, you do need to have a minimum income of total household income of $35,000 or greater. Overall, it's a very strong credit card offer. If you want to see how it stacks up to the competition, use the RedFlagDeals.com's Canadian Credit Card Comparison page or you can compare it against other MBNA Credit Cards here.

TradePub: Free Trade Magazines including Oracle, 4 Free Issues of Bloomberg Businessweek & More

Fri, 25 Mar 2011 03:29:54 +0000

TradePub is a magazine service that offers subscriptions to industry specific publications as well as complimentary eBooks and technical document downloads. Generally, subscriptions are free as long as you work in the relevant industry. Here are some of the goodies available at RedFlagDeals.TradePub.com:

Oracle Magazine - Oracle Magazine contains technology strategy articles, sample code, tips, Oracle and partner news, how to articles for developers and DBAs, and more. Oracle (NASDAQ: ORCL) is the world's largest enterprise software company.
Bloomberg Businessweek - this offer includes four free issues and the digital playbook Power Plays.
EDN - EDN magazine provides how-to solutions for design engineers in the electronics industry.
Twitter Means Business - this eBook excerpt details how your company can benefit from Twitter.
Bank Systems & Technology - Bank Systems & Technology delivers information on the strategic use of technology for increased productivity and profitability.
Profit Magazine - this magazine reports on technology investments.

Capital One Aspire Travel World MasterCard (2 Reward Miles per $1, Big Bonuses, Robust Travel Insurance)

Mon, 21 Jun 2010 14:02:00 +0000

If you're looking for a travel rewards credit card, Capital One has emerged with a very strong offering. The Capital One Aspire Travel World MasterCard comes with a lot of perks and looks to be one of the strongest options available. Here's a look at the primary features:

$120 annual fee
2 miles per $1 spent on all purchases (including travel that you redeem points on)
sign-up bonus of 35,000 miles when you make your first purchase
anniversary bonus of 10,000 miles annually
extended warranties and price protection
comprehensive travel insurance (accident, car rental, travel emergency medical, flight delay, trip interrupt, trip cancellation, baggage loss, baggage delay)
option to redeem reward miles for cash or gift cards
annual interest rate of 19.8%
minimum household income of $60,000 required to apply

The annual 10,000 reward miles bonus takes care of most of the $120 annual fee (leaving $20) and the robust travel insurance is a big enticement. The sign-up bonus is definitely pretty juicy as well. Reward miles can be put toward a wide variety of travel costs -- flights, hotels, vacation packages, train, bus, cruises, and car rentals. The notable restriction is that there are set redemption tiers up to $600, at which point the redemption is just 100 points per dollar.

Overall, it's a very flexible travel rewards card. If you are careful about how you redeem miles, you can have a return rate around 2%. That, along with the other perks (travel insurances, extended warranties, and the option of 1.5% cashback for instance) make this worth checking out.

To do more research, check out the RedFlagDeals.com Credit Card Comparison Tool.

Tradepub.com: Free Trade Magazines like Risk Magazine, sp2 Magazine, eWeek, and Best's Review

Thu, 16 Jul 2009 05:24:14 +0000

Some oft repeated career advice is to "stay on top of your field" -- it's always a good idea to know about developments and trends in your industry. RedFlagDeals.TradePub.com, which is a free trade magazine service, can help you with that. Subscriptions to industry specific publications are free as long as you're in a qualifying industry/position. Here are some interesting titles that are available to Canadians:

Best's Review: This magazine contains insightful, award-winning news coverage of the worldwide insurance industry. It is written for insurance company executives, agents, brokers, analysts, risk managers, underwriters, attorneys and other insurance professionals. It covers topics like agent/broker issues, health and employee benefits, life insurance, property/casualty insurance, regulatory and legal developments, capital markets and technology.
eWeek Magazine: This publication delivers breaking news, technology evaluations and strategic analysis covering the technologies, platforms and trends important to enterprise-wide computing.
Risk Magazine: Every month Risk covers the latest developments in exchange-traded and OTC products, regulatory and documentation issues, academic papers, practical trading and investment strategies – taking complex material and delivering it in an easily digestible style.
sp2 Magazine: Published monthly, coverage includes technological advances that drive research and innovation, as well as product development through key topics including: discovery biology/chemistry, biomanufacturing, bioprocessing and fine chemistry. The sp2 audience is senior R&D executives to bench scientists from pharma, biotech and emerging pharma.

If you have a look around, you'll also find other resources like whitepapers, book summaries, and podcasts.

RedFlagDeals.com Spotlight: Canadian Mortgage, GIC, RRSP, & Savings Rate Comparison Charts

Fri, 29 May 2009 10:49:27 +0000

It's time for another installment of the RedFlagDeals.com Spotlight feature. From time to time, we'll take at look things on the RedFlagDeals.com you may not be aware of. We'll be shining the spotlight on things like great community generated content, guides or tools to help save money, and more. Today, the spotlight is on the RedFlagDeals.com Canadian Mortgage, GIC, RRSP, & Savings Rate Comparison Charts, which which are powered by Fiscal Agents.

One of the best ways to save (or make) money is to stay informed. With the RedFlagDeals.com Canadian Mortgage, GIC, RRSP, & Savings Rate Comparison Charts, you can find and compare rates for financial service products from a variety of Canadian financial institutions. Actually, we've just recently added a chart for personal loan rates as well. To make things even easier, you can sort a chart by institution name, rate, and minimum investment amount. It's a good place to start if you're trying to decide what to do with your finances next! You can always find the charts underneath the Financial Services category.

Free TSX, NYSE, NASDAQ Annual Reports by Mail or for Download

Sat, 25 Apr 2009 12:53:24 +0000

If you're doing research on a potential stock investment it's always a good idea to read the annual report and often it's easier to read a printed version. Most companies nowadays have their annual reports online on their investor websites but did you know you can also get a selection of them shipped to your door for free from selected companies? We didn't either, until we came across The Annual Reports Service by PrecisionIR.

In their words, they're a, "FREE Service provided by PrecisionIR for the readers of Toronto Stock Exchange & TSX Venture. The Annual Reports Service provides you with quick access to annual reports and other information on select companies." It's sponsored by the participating companies to, "serve the investing public and improve their visibility and transparency."

You can browse or search the list of participating companies from 10 different exchanges including the TSX, TSX Venture Exchange, NASDAQ, NYSE, and Amex. In stock reports are shipped next business day and it's all free - pretty cool. If you're looking for an online brokerage to with low rates, check out Questrade as well.

TradePub: Free Trade Magazine Subscriptions inc. Oracle Magazine & Global Finance

Mon, 23 Mar 2009 04:36:07 +0000

TradePub is a magazine service that offers subscriptions to industry specific publications. Subscriptions are free as long as you work in the relevant industry. Economically, we're not out of the woods yet, so keeping up to date with the latest developments in your industry only makes sense. Here are some of the titles available at RedFlagDeals.TradePub.com:

Oracle Magazine - Oracle Magazine contains technology strategy articles, sample code, tips, Oracle and partner news, how to articles for developers and DBAs, and more. Oracle (NASDAQ: ORCL) is the world's largest enterprise software company. .
Internet Retailer - This publication covers e-business strategies for retailers and direct merchants. The magazine also covers exclusive reports on the competitive, marketing and operational trends in e-retailing.
EDN - EDN magazine provides how-to solutions for design engineers in the electronics industry.
energybiz -This publication provides coverage electric power industry. You'll find reporting, analysis and new perspectives on this 100-year-old industry
Bank Systems & Technology - Bank Systems & Technology delivers information on the strategic use of technology for increased productivity and profitability.
Quality - This magazine reports on the use of sound metrology methods, statistical analysis and process improvement techniques to significantly improve quality on the shop floor and in manufacturing planning.
Global Finance: This publication covers corporate finance, joint ventures and M&A, country profiles, capital markets, investor relations, currencies, banking, risk management, custody, direct investment, money management and more.

Subscriptions are once again being accepted for Oracle magazine. If you haven't signed up for it before, now is your chance!

Small Business Owners: Get Personalized Stamps and Sticky Notes, Free* From VistaPrint

Tue, 18 Mar 2008 03:42:30 +0000

If you're a small business owner, VistaPrint has some pretty great free-with-shipping offers that can help you to step up the polished, professional appearance of your company -- and make your life easier to boot! They've got personalized sticky notes and personalized rubber stamps, both available for Free (Just Pay Shipping!). We think both products will help you spread your business name and contact info far and wide -- use the sticky notes for everything from adding short personalized notes to invoices to making appointment reminders. And save yourself untold hours by stamping everything with your information, rather than writing it out by hand.

The cost of the sticky notes and personalized stamp is nothing, and when we ordered them both, shipping together was $7.50 to Toronto. (Shipping for one product alone was also about $7.50.)

Free 400 Page Investment E-book (Index Funds: The 12 Step Program for Active Investors)

Mon, 12 Nov 2007 02:08:34 +0000

When you fill out a short survey at www.IFACanada.com, you will be given email instructions on how to freely download a PDF e-book of Index Funds: The 12 Step Program for Active Investors by Mark T. Hebner. The print form of this book retails for $13.57 at Amazon.com. Reviews of the book seem generally positive, so if you're looking to learn more about investing, this is a good, free place to start.