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Along with loonies and poutine, the PC Optimum program is a well-known element of life in Canada; after all, you can earn and redeem points at over 4,500 stores across Canada, as well as online, and that is something many of us take very, very seriously. From coast to coast, here are 5 stories of real Canadians explaining why they love their PC Optimum cards—and how they use those coveted points. \nLoading personalized offers helps when stocking up on essentials “Every Thursday, you get sent personalized offers—like special prices on certain items, or extra points on things you buy regularly—and I literally load mine onto my PC Optimum app the second I wake up. I’m a mom of three, with a brand-new baby, so I’m always looking out for special offers so I can stock up on essentials like diapers.” “I’m also really passionate about upping my points—during the pandemic, it’s actually been a surprising way to spark a little joy! Before I head to the store, I check the Shoppers Drug Mart® or No Frills® flyer to see if anything we need is part of a bonus points special. I’m currently at nearly 350,000 points, and I’m hoping to redeem them for a pair of wireless earbuds for myself.” - Katherine, 36, Vaughan, Ont. \nCombining special offers when redeeming points makes your dollars go further “At least once a week, I use my PC Optimum card to either swipe to collect points or to redeem them for things like groceries or makeup. I do try to shop on that day to get the most value I can.” - Cathy, 62, Victoria, B.C. “I like to save up my points until they have those “spend your points” events, when you get more value for your PC Optimum points. I’ll often use them then to buy gifts for other people, or beauty products for myself. Otherwise, I do like to spend them here and there to treat myself. Usually, it’s sweets or chocolate!” - Luisa, 65, Brampton, Ont. \nUsing your PC Financial® Mastercard® to make purchases earns you even more points “I have my PC Financial® Mastercard® linked to my PC Optimum account, which means I earn points on everything I buy, not just things I get at Loblaws® or Shoppers Drug Mart®. That means I accumulate points way faster than when I use my PC Optimum card alone! Every once in a while, I can buy an entire week’s worth of groceries just using points.” - Britt, 32, Oakville, Ont. \nRedeeming points is the best way to treat yourself to little splurges “I use my points to for groceries and beauty products I wouldn’t normally buy. Like, last week I used my points to buy a lobster for a special occasion! I like to save my points up, and then make a bigger purchase when I hit 50,000 points, which is equivalent to $50 when redeemed.” - Emma, 30, Montreal, Que.","url":"/learning-hub/blog/5-canadians-on-why-they-love-the-pc-optimum-tm-program","category":"BlogCategory"},"377e7b8e-3ddb-5746-a8dc-cd76b75566b2":{"page":"Everything you need to know about how the PC Money™ Account works","description":"In case you haven’t heard, there’s a cool new points-earning payment product on the money management front: the PC Money™ Account. This new account from PC Financial® works like a bank account, but with points. You can use it worldwide, even online, and it’s a great way to make contactless payments and earn PC Optimum™ points at the same time. You can use it anywhere you can use Mastercard® and, what’s more, you earn points for every dollar you spend, everywhere you shop, even online. That means in addition to collecting points when you shop at Loblaws®, Real Canadian Superstore®, No Frills®, Joe Fresh®, Zehrs® and Shoppers Drug Mart®, you can also earn them when you use the card to pick up takeout or pre-order an Americano from your favourite café. To get started, open an account through pcfinancial.ca or through the PC Financial mobile app and add money to it, either by transferring funds via the Interac e-Transfer® services or linking an external account. Once you’ve done that, you can start shopping—and earning points. Of course, there are a couple of important things to note: you won’t be able to write or deposit cheques with this account, and you can’t use it to pay merchants who don’t accept Mastercard®. But, most importantly, this is not a credit card. Yes, your PC Money Account has the Mastercard® logo, a $250 tap limit and you can use it anywhere Mastercard® is accepted, but it’s actually used like a bank account. You have to put money into the account first before you can pay using the card. You can also feel confident that keeping your money safe is our first priority. PC Financial products use two-factor authentication and encryption for added security, and if you see any suspicious activity on your account, you can easily lock or unlock your card using the mobile app or website. The company also has 24/7 fraud detection and support, and President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC), which means your deposits in the PC Money Account are eligible for CDIC protection up to $100,000. The Mastercard® Zero Liability Promise for unauthorized purchases also applies to your PC Money Account1. And if you’re worried that you won’t be able to physically go to a bank if you have questions about your PC Money Account, don’t be. This is a digital-first account, which means it’s designed so you can do everything you need to through the PC Financial website or mobile app, and access cash through bank machines. Just head to the closest PC Financial bank machine, located in many Shoppers Drug Mart® and Loblaw banner grocery stores for free withdrawals from your account. Ready to start earning points with no monthly fee2? Head over here to sign up! \n 1 Your liability may be limited in situations where use of your Account was unauthorized. For more details, click here. 2For information about fees for special requests and services for this card, click here.","url":"/learning-hub/blog/everything-you-need-to-know-about-how-the-pc-money-tm-account-works","category":"BlogCategory"},"7494567a-9a20-514a-9949-b35ab627f7c3":{"page":"Breaking it down: How to earn points using the PC Money™ Account","description":"Are you ready to take control of your spending and score some serious points at the same time? Because the PC Money™ Account is a game-changer. What is the PC Money™ Account? This new account from PC Financial® works like a bank account. You can use it worldwide, anywhere Mastercard® is accepted, even online. There’s no monthly fee, a $250 tap limit and unlimited everyday transactions1, including free Interac e-Transfer® services, free withdrawals at PC Financial bank machines, self‑serve bill payments and purchases in Canadian dollars. Plus, you earn 10 PC Optimum™ points on every dollar you spend, everywhere you shop2. And just to be clear, that’s literally everywhere—not just PC® retailers like Loblaws®, Real Canadian Superstore®, No Frills®, Joe Fresh®, Zehrs® and Shoppers Drug Mart®. How does the PC Money™ Account work? First, open a PC Money™ Account through pcfinancial.ca or through the PC Financial mobile app. Then, add money to your account. You can do this by transferring funds via the Interac e-Transfer® service, or you can opt to link an external bank account to your PC Money™ Account. Then, start spending to earn PC Optimum points on every dollar of your purchases! How do I earn points using the PC Money Account? Whether you’re stocking your pantry or doing your holiday shopping, your PC Money Account allows you to earn 10 PC Optimum points (five regular points and five bonus points) for every dollar you spend, everywhere you shop2. Even better, if you link your card to your PC Optimum account, you’ll be eligible for personalized offers at participating stores, which makes it even easier to rack up points. What’s more, Shoppers Drug Mart® has their own exclusive points offer: if you use your PC Money Account at Shoppers Drug Mart®, you’ll earn 10 points per dollar in addition to the 15 points per dollar available to all PC Optimum members for a total of 25 points per dollar of your purchases3. So yes, you should totally buy that new lipstick or stock up on diapers! What about the welcome bonus? When you set up your PC Money Account, you can take advantage of introductory offers to\nearn up to 50,000 bonus points for setting up and using your account4. Earn 25,000 bonus points for setting up a payroll direct deposit for the first time and completing at least three direct deposits into the account within the three consecutive months following setup. (These points will be awarded to your account between four and six weeks after the third deposit goes through.) Earn 10,000 bonus points the first time you make a purchase of $50 or more with your new card (as long as you do so within three months of opening the account). Earn 10,000 bonus points for linking your PC Money Account to an external bank account. Earn 1,000 bonus points every time you make an online bill payment of at least $50, to a maximum of five bill payments per month. They are rewarded between four and seven days after they’re earned. How can I redeem my PC Optimum points? When it comes time to cash those points in, keep in mind the minimum redemption is 10,000 PC Optimum points, which is worth $10 in rewards and can be put toward groceries, health and beauty products and household goods at PC® retailers. If we do the math, that means your welcome bonus alone could be enough to help with your next grocery bill, or to treat yourself to a DIY spa day featuring Shoppers Drug Mart® products, or to go towards some cozy Joe Fresh® PJs for the whole fam. (Because no one’s wearing real pants this winter, right?) \n 1Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial bank machines, self‑serve bill payments and purchases in Canadian dollars. For information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services, and to access all legal documents for the PC Money™ Account, go to your Notification Centre by logging in to your online account at pcfinancial.ca or through the PC Financial mobile app. 2Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 3All PC Optimum members earn 15 points per dollar on eligible purchases at Shoppers Drug Mart and Pharmaprix. When you use your PC Money™ Account, you will earn an additional 10 points per dollar of your purchases. 4Earn up to 50,000 bonus PC Optimum™ points by taking advantage of introductory offers. Here are all the bonus points available to you: Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Limit one offer per PC Money™ Account. Account must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. Bonus points will be awarded to your PC Optimum™ account within 4‑7 days of eligible transaction. Earn one bonus of 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Limit one offer per customer. Both accounts must be in good standing at the time they are linked. Bonus points will be awarded to your PC Optimum™ account within 4‑7 days of successfully linking accounts. Earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4‑7 days of a successful bill payment. Earn a one‑time bonus of 25,000 PC Optimum™ points when you set up automatic payroll or pension direct deposit into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following setup. Limit one offer per PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4‑6 weeks of completing your third direct deposit. ","url":"/learning-hub/blog/breaking-it-down-how-to-earn-points-using-the-pc-money-tm-account","category":"BlogCategory"},"3dd9a18d-08e1-5a87-a326-3e8570326a3b":{"page":"Save or Splurge: Kitchen gadgets and gear","description":"When it comes to New Year’s resolutions, “I’m going to stop ordering in so often and make more of my meals at home” is a popular choice. Preparing food at home is often better value for your wallet and can help you to make healthier choices. In fact, once you get a system down (hello, meal prep!) it can be just as convenient as tapping away at that app, and you don’t have to pay any delivery fees! Sticking to this goal, however, will be difficult if you don’t have the right equipment—which opens up a minefield of potential expenses that could result in you dropping as much cash on cute dishes, pans and gadgets as you would have on Pad Thai anyway. That’s why we’ve cooked up this guide for maximizing your dollars without sacrificing quality or style when buying kitchen gear. The cherry on top? Using your PC Financial® Mastercard® to make these purchases means that, depending on which card you have, you can earn 10, 20 or even 30 PC Optimum™ points for every $1 of your purchases at stores that participate in the PC Optimum program, and 10 points everywhere else you shop1. Splurge on: Cookware that goes in the oven The initial price might be a bit of sticker shock—you can easily spend hundreds of dollars on a single pot—but chosen wisely, one or two really good pieces of cookware will become the workhorses of your kitchen. Because they’re exposed to so much heat, quality really counts in this category, which may end up costing a bit more than the cheaper alternatives. If you are investing in a few key pieces, opt for a cast-iron skillet and Dutch oven, which will cover many recipes you’ll want to whip up. And, since the quality of what goes *in* to your cookware is just as important, you can redeem all those PC Optimum points you’ll have earned on gourmet-worthy ingredients at a grocery stores that participate in the PC Optimum program, like Loblaws® or Real Canadian Superstore®. Save on: Cute dishes If you’ve been tempted by the chic crockery on some influencers’ tables, we’ve got great news for you: The trend of vintage-style tablescapes means that, with a little effort, you can probably snag something really similar for a bargain. Since these pieces are all about looks, hold out for options that suit your style without costing as much as your monthly grocery bill. If you’re browsing online, it can be helpful to try a variety of search terms, since people often refer to the same item under all sorts of different names. For example, that mid-century modern serving tray might be filed under “50s platter,” “retro large oval dish” or some other variant. Your patience will be rewarded. Trust. Splurge on: Knives A craftsperson is only as good as their tools, and that holds true in the kitchen, too. A great quality knife set, or even just a few essentials like a chef’s knife, paring knife and serrated knife will be an investment, but with proper care they’ll be at your side for years to come—which we can’t say for the flimsier, duller budget alternatives. If you’re using your PC Money™ Account to buy these sharp essentials, you can earn 10 PC Optimum points for every $1 of your purchases2, everywhere you shop, including online and in-store at retailers across Canada and around the world. Save on: Gadgets with extremely specific uses We’re looking at you, spiralizers and any kind of seasonal cookie cutter or baking tin. It can be tempting to think you’ll use these trendy items all the time, but be realistic with yourself before spending that coin. Are you really going to be the family who does hand-tossed pizza Fridays, or is the pizza stone just an expensive fantasy? If the answer is yes, by all means invest. If not, find a budget option, or make do with an alternative (e.g. a circular sheet pan for your pizza-making adventures) until you really get a sense of whether you’ll get sufficient use out of the real deal. \n\n 1Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the President’s Choice Financial Mastercard® everywhere you shop. When you use your President’s Choice Financial Mastercard® at affiliated Loblaw banner stores, you will earn 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders. 2Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.","url":"/learning-hub/blog/save-or-splurge-kitchen-gadgets-and-gear","category":"BlogCategory"},"0143ecc4-a32c-518e-8f15-3d024b044e87":{"page":"How I keep the holidays intimate during the pandemic","description":"Granny isn’t coming around this year to help with holiday baking, my in-laws aren’t at the house visiting from England and there are no invites to go out for aunts and uncles to come view the kids in their school plays. We aren’t connected in our usual ways, however, we’ve adapted. Virtual Sunday night game nights with the grandparents, Friday night online parties with the siblings and cousins, and constant video chatting is now a thing in my household. Classic board games feel familiar and comforting, with the online versions being user friendly enough for everyone in the family and appropriate for the school-aged kiddos. We’ve created a new holiday experience with what 2020 threw at us. While technology has allowed us to remain connected, maintaining traditions is what has kept these interactions special. Without festive sounds and smells the spirit of the holidays doesn’t quite come alive. I’ve gone the extra mile to incorporate our favorite holiday foods into each gathering rather than reserving them for one day. Our virtual parties are accompanied by the sound of parang (Caribbean holiday music) in the background, the smell of ham baking in the oven, or of garlic pork frying in a cast iron pot. We’ve been on a steady rotation, weekend to weekend, of the kids’ favorite holiday dishes. As I make my weekly grocery trips during this season I’ve been keeping our virtual weekend get-togethers in mind and adding a few extras to the cart like festive floral arrangements, food, and drinks. When you use a PC Financial® Mastercard® to purchase these extras you will earn PC Optimum™ points. You can then redeem the points you earn towards holiday crackers, table decor, cards and even gifts at Shoppers Drug Mart or Loblaw banner stores. The holidays this year will be different, but the spirit is what we bring to it.","url":"/learning-hub/blog/how-i-keep-the-holidays-intimate-during-the-pandemic","category":"BlogCategory"},"1a1a3b5f-4c3a-56f3-b4ce-8a5c613a530a":{"page":"How five Canadians are planning to spend (and save) their money in 2021","description":"Chances are, no matter how precisely you budgeted or how carefully you projected your earnings, 2020 probably was full of surprises for your bank balance. There may have been some challenges, like pandemic-related layoffs, and maybe some unexpected silver linings. As we turn the page on this year (finally!), we chatted with five Canadians about how they’re carrying the lessons of this year into their financial resolutions for 2021. Financial Resolution: Build a budget based on paying down my debt “My biggest financial goal for next year is paying off my student loans from getting my Master’s degree. I’m almost there! To do this, I’ll keep doing what I’ve been doing since I started focusing on paying off the debt from my undergrad degree: I set goals for how much I wanted to pay down that year, divided it into monthly payments, and set a budget that aligns with those amounts. Sometimes I had to adjust when unforeseen expenses came up, but mostly I’ve been able to stick to that plan.” - Jessica, 28, Alberta \nFinancial Resolution: Up my financial literacy game, and start a side hustle “As a small business owner who started during the middle of a world pandemic, I think the most important financial resolution is to up my financial literacy game, by learning more about debt management and budgeting. We are incorporated, so it's important to understand how to clearly separate personal and corporation accounts, and it's been a challenge since this is all still new to me! I certainly want to \"chip away\" at the debt that I have after building a beautiful clinic. Money is coming in strong, but in unpredictable times, it's difficult to gauge how much or when this goal will be achieved. I think that another financial resolution would be to start a side hustle. I have a second room in my clinic which I might rent out to make more cash on the side.” - Michiko, 38, Ontario Financial Resolution: Cut back on unnecessary spending to account for upcoming expenses “My wife and I are expecting our first child in the spring, so I’m preparing financially for that exciting new chapter. I’ve already been focused on saving—I have automatic debits set up on my banking account every week so it’s a non-negotiable—but next year I’ll really make an effort to cut back on unnecessary purchases like dining out.” - Kevin, 34, Ontario Financial Resolution: Help others make their money go further “I’m retired, and my only financial goal for next year is to help women and young adults understand money better, so I’m thinking about starting a mentorship program. I worked in finance for 44 years, and I’ve always been surprised by how little people know about things like how mortgages work, the importance of saving versus spending and so on. I’m a firm believer that women need to take charge of their finances, and educate themselves.” - Jackie, 66, Nova Scotia Financial Resolution: Stick to my spending limits so I can save up for a down payment “As someone who is self-employed, I am always trying to be smart with my spending. I keep a strict budget, and limit my monthly spending as much as possible so I can meet my personal savings goals by putting a certain amount of my paycheque each month toward the future. My goals for 2021 are a bit different because of how 2020 went, but I would like to get back on track with the progress that I made in 2019. The ultimate goal is to create a strong financial foundation to support my future goal of home ownership.” - Martin, 34, Ontario If you’re looking to start your financial resolutions off right, consider a PC Financial® Mastercard® or PC Money™ Account, so you can score points and live that no fee life, every way you shop. ","url":"/learning-hub/blog/5-canadians-on-their-financial-new-years-resolutions","category":"BlogCategory"},"42f136f0-4ebf-5f38-993c-acda62e2b1f8":{"page":"3 ways we live comfortably with less","description":"In moving from a very comfortable life in the Caribbean to Canada in August 2018, my family of four faced a number of barriers. Namely, the lack of availability of foreign exchange to allow us to transition with our accumulated savings, a difficult market for selling our assets at the time, and a lack of credit history in our new country of residence making home buying more challenging. Knowing that the move would reap long term benefits we accepted the short term financial setbacks, not however without some lifestyle adjustments. Here are the 3 ways we’ve continued to live comfortably with less. 1. We got into the right mindset. I didn’t realize how attached I’d become to all that stuff that I had accumulated in my former home! All that space! We had too many bathrooms to make use of, far more bedrooms than occupants, and spare living spaces that only cobwebs gathered in. It wasn’t until I embraced my new situation in Canada that I stopped and realized that in the Caribbean we’d been living in a house 3 times the size, but using one third of the space. I hadn’t lost anything by moving to a smaller home, in fact I gained a closer relationship with my children and husband. Making the best of our new lifestyle allowed me to shift my perspective. Now I enjoy the juggling of one bathroom and look forward to the stories that we’ll tell one day (though we intend on adding another as my daughter insists on it. lol). I appreciate that all corners of the house are now useful spaces and delight in having my kids more tightly knit around me. 2. We lowered our cost of living: We spend less on the essentials Without Canadian credit history and the resulting inability to initially qualify for a mortgage we sank most of our savings into purchasing a home. This left us with savings well below our comfort level. To ensure that we didn’t dig too deeply into the remainder we reduced our cost of living in any area we could. Buying a smaller home and taking advantage of sales were the most significant factors in helping to reduce our expenses. I’m excited to hear about the new PC Money™ Account that lets you earn PC Optimum™ points to redeem towards essentials at Loblaw banner stores and Shoppers Drug Mart. The PC Money™ Account works like a bank account you can use worldwide, even online, anywhere Mastercard® is accepted. It allows you to earn 10 PC Optimum™ points for every dollar spent everywhere you shop and 25 points per dollar spent at Shoppers Drug Mart. You can even score 1,000 points each for paying up to 5 online bills of $50 or more each month from your account, and all for no monthly fee. 3. We lowered discretionary spending: We spend less on everything else. Since spending so much time at home earlier this year, and possibly no one to see me, my perception of the worth of my clothes was altered. The expensive clothing that seemed to add value to my life, no longer did. And while I still enjoy the occasional splurge, that frame of mind stuck with me; well dressed no longer equates to the price tag attached to my outfits. In fact I feel a greater satisfaction knowing that I saved money, without sacrificing style, while dressed-up in my Joe Fresh™ looks. This mindset has spilled over into my entire way of life, buying more affordably in general and looking for added value. ","url":"/learning-hub/blog/3-ways-we-live-comfortably-with-less","category":"BlogCategory"},"0e0dff47-3388-5a58-ac4b-20db4e392e14":{"page":"Save or Splurge: The Holiday Edition","description":"Spending too much on your holiday shopping can happen to the best of us—an extra gift here, a slightly-over-budget wreath there. But even more than in past years, this holiday season is about carving out those special moments with those nearest and dearest, which means spending where it really counts, and saving when you can. Luckily, not all of your holiday purchases need to break the bank, especially when you shop using PC Financial® payment products. From savvy stocking stuffers to ways you can earn while you spend, we’ve winnowed down the smartest places to save and splurge this season. Save on: Stocking stuffers These should be little nuggets of not-that-pricey joy—unless you’re hiding an engagement ring in there for a holiday proposal, in which case, go big! Otherwise, use this opportunity to challenge yourself to find small, affordable pieces that are meaningful, with an emphasis on quality goods that won’t break the budget. Take a quick run through the aisles of Shoppers Drug Mart® to pick up a novelty game the whole family can get into on lazy Sunday mornings, or a special package of your partner’s favourite chocolate to end the year on a sweet note. As a rule of thumb, these little gifts are about the sentiment, not the price tag. And by using the PC Money™ Account to buy your stocking stuffers, you can earn 10 PC Optimum™ points for every $1 of your purchases1, everywhere you shop, including online and in-store at retailers across Canada and around the world! In other words, you’ll make your money go even further. Splurge on: Home decor We’re all spending more time at home than usual this holiday season, and those creature comforts have never been more important. It’s the perfect time to splash out on a few pieces that spark joy. Our top suggestions? Candles, cashmere blankets, or maybe even a new sofa since that’s basically where you live now—items that will bring a feeling of warmth into your home as we head into those cold winter months. The idea is to go big on pieces that will make the time you’ll spend cuddling up with your family even more enjoyable. In other words, splurge on what makes you happiest. Save on: Intimate holiday dinners While we’ll have to get creative when it comes to celebrating this year’s festive season with our extended family, fewer places at the table does mean you’ll save money by trimming those catering costs. After all, your holiday dinner doesn’t need to be a large, lavish affair to feel festive. Doing something a little out of the ordinary at meal time is all it takes to make the occasion memorable. If you are hosting a smaller gathering, focus on serving three simple but indulgent courses; by including an appetizer before the main, you’ll make even the most low-key dinner feel special. Finish off with a show-stopping dessert like the PC® The Decadent® Chocolate Chip Cookie Pie and cut each guest an extra-large piece. Remember to leave a space at the table for a laptop, phone or tablet, so that you can call any loved ones who can’t be there in person and still have a special moment at mealtime together. Splurge on: Big ticket gifts For maximum thoughtfulness points, skip giving a number of smaller gifts and save up for a few “wow, really?!” presents for the most special people on your list—especially if you’re going to be apart during the holidays this year. (Just be sure to factor in shipping charges!) This approach to gifting is all about sharing joy with friends and family, no matter the physical distance between you. One meaningful present—with a handwritten note, which will totally take your gift-giving to the next level—may stand out more to the recipient than a pile of trinkets, not because of the cost, but because the gift will speak to your relationship and what they mean to you all year round. If you want to stretch that splurge budget even further, use your PC Financial® Mastercard® to earn up to 30 PC Optimum points for every $1 of your purchases at stores that participate in the PC Optimum program, and 10 points everywhere else you shop2. It will be a gift for your loved one and for your bottom line. \n\n 1Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 2Earn a minimum of 10 PC Optimum points per dollar on all of your purchases charged to the President’s Choice Financial Mastercard® everywhere you shop. When you use your President’s Choice Financial Mastercard® at affiliated Loblaw banner stores, you will earn 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders. ","url":"/learning-hub/blog/save-or-splurge-the-holiday-edition","category":"BlogCategory"},"2e14331a-3c58-57ef-b095-7109e0f870a8":{"page":"4 things you might not know about credit card rewards—but really should","description":"I love credit card rewards programs. I mean, come on: getting points just because I bought something I was already going to buy, like groceries or gas? Yes, please. But not all credit cards are made equal, so if you’re going to maximize your rewards, you need to know all the tricks. Here are five of our top tips. 1. A great way to accumulate points is through sign-up bonuses It’s tough to beat the major points you earn through a juicy sign-up bonus. Keep an eye out for a welcome offer that lets you earn a lot of points upfront to maximize your rewards potential, while paying attention to the fine print. Many bonuses are dependent on you fulfilling certain criteria, like making an initial purchase within the first three months of getting the card, in order to qualify for the full amount. You don’t want to lose out on those valuable points because you missed a step! 2. You can double dip Don’t let any opportunity to accumulate points pass you by—and that includes taking advantage of personalized offers in your PC Optimum™ app, even if you’re already paying with your PC Financial® Mastercard®. Your points will automatically stack, so you’re essentially earning points in two ways on the same purchase.\n\n3. Don’t forget the under-the-radar perks Yes, points are great. But what about your very own personal assistant who can help you beat the bots when buying concert or event tickets, score a reservation at a hot new restaurant or even organize gift delivery when you forget Grandma’s birthday? PC Financial® World Mastercard® and PC Financial® World Elite Mastercard® customers have 24/7 access to time-saving concierge services that can do just that1. And there are other lesser-known rewards that you should know about. For example, all PC Financial® Mastercard® cards offer extended manufacturer warranties2, and PC Financial® World Elite Mastercard® customers can benefit from help avoiding identity theft and even help with restoring your identity if your personal information does get compromised3. 4. Keep track of your points Whether you’re accumulating points in just one program or you’re a rewards wiz who’s balancing several cards, it’s important to check in on your points balances regularly. That’s key if you’re going to be strategic about redeeming them—and to keep an eye on your transactions and points balances. And don’t forget about other important details, like how much time you have to meet minimum spending requirements with your credit cards (otherwise you risk missing out on bonus offers). 1Concierge Services are available on a 24/7 basis. You can call for assistance in arrangements for travel, entertainment, business and shopping. Any costs incurred for, or in connection with such services will be charged to Your Card, subject to credit availability. Concierge Services are provided by Assurant Services Canada Inc. (ASCI). 2 Purchase Assurance protects most new items of personal property purchased with a President’s Choice Financial® Mastercard® against loss, theft or damage within ninety (90) days from the date of purchase. Extended Warranty doubles the manufacturer’s regular warranty for up to one (1) additional year. Conditions, limitations and exclusions apply. 3Concierge Services and Identity Theft Services are provided by Assurant Services Canada Inc. (ASCI)","url":"/learning-hub/blog/4-things-you-might-not-know-about-credit-card-rewards-but-really-should","category":"BlogCategory"},"d4b05f6d-1648-5078-886b-87d1ce76ccc0":{"page":"5 habits that have allowed me to continue saving as a new immigrant to Canada","description":"My family and I landed as Canadian Residents two years ago and, like many others new to Canada, our savings were earned in a currency of lesser value to Canadian dollars. My husband and I knew that after conversion and with the higher cost of living here in Canada, we should put money savings practices into place to maintain our financial stability. Here are the 5 money saving practices that have allowed us to continue saving as new immigrants to Canada, some of which have immigrated with us, some we developed slowly through practice. 1. Create a Monthly Budget Having a clear outline of how funds are to be allocated gives me a concrete idea of how to plan the month for my family. I try to calculate what I need at the supermarket this month, how many times we would like to eat out, and how many activities I would like to schedule for the kids on the weekends. This type of forecasting allows me to weave less expensive or free activities into the family’s monthly program beforehand. 2. Track Your Spending Tracking our spending has been as important as creating a budget. I usually revisit and revise my budget on a monthly basis. With this information fresh in my mind while shopping my aim is to spend according to budget. However, to ensure I do so I retain all bills and allocate time every weekend to input them into a very simple spreadsheet. This takes out the guesswork and ensures I stay on track. \n\n3. Balance a Luxury Splurge by Saving on Everyday Items Eating out a couple times a month along with visiting new children’s attractions around the city are non-negotiable in my household. However, we still enjoy these luxuries while saving money. We do so by saving on everyday items, and the items we purchase every week that can really add up without us even noticing. The PC Financial® Mastercard® allows us to earn 10 PC Optimum™ points per dollar spent anywhere, including on everyday items purchased at Loblaws grocery stores, gas at Esso™ and Mobil™ stations and on purchases at Shoppers Drug Mart. These points can then be redeemed at any store participating in the PC Optimum program. With a combination of points earned and no annual fees, use of the PC Financial Mastercard™ makes sense for my budget. 4. Get Honest About Wants vs. Needs Having said that some luxuries are non-negotiable for us, and they can be for you too, it is important for me to evaluate my family’s wants vs needs, and to accurately categorize wants as luxuries and budget for them accordingly. To do this, I ask myself if this item would still be a need if a worst-case scenario became true, or is it simply a want? This type of comparison allows me to differentiate wants from needs more easily. In my case that worst-case scenario is not being able to afford the therapy my son requires as a special needs child. I ask myself, if I had to choose between our current needs and this scenario would I still consider it a need? If the answer is no then I know this is a want and not a need. 5. Review Your Bills Lastly, I am constantly reviewing the charges made to my payment cards. These small but recurring charges, like idle subscription apps on the family phones (yes my daughter has a phone now also), can add up significantly over time. By staying on top of my bills I ensure that we only pay for what we consume. ","url":"/learning-hub/blog/5-habits-that-have-allowed-me-to-continue-saving-as-a-new-immigrant-to","category":"BlogCategory"},"956abad6-7bea-5c6a-a446-d11deb1422bf":{"page":"What beauty products are worth spending big bucks on - and where you should save your money","description":"Whether you’re going full glam or just want to look presentable on your next video chat, we’re spoiled for choice when it comes to beauty options these days. There’s a lot of exciting product out there - at every price point - so much so that it can be overwhelming, especially when you’re trying to decide what’s worth your hard-earned cash (or PC Optimum™ points*). If you’ve ever asked yourself, “Is that affordable mascara too good be true?” or bought a moisturizer with an eye-watering price tag because you figured expensive meant effective: You’re not alone. That’s why we’ve made some recommendations for the best times to splurge and the smartest places to cut back when it comes to your beauty routine. No spoilers, but the results might surprise you! Save on: Makeup One of the great joys of makeup is experimenting with different colours, formulas and textures. And it doesn’t have to be an expensive habit, thanks to the drugstore beauty section, which more than competes with its luxury counterpart without the hefty price tag. Drugstore mascaras, for instance, are in some cases favoured by professional makeup artists. (Especially because you should be replacing your mascara every three months—reason enough not spend a fortune.) Next time you’re strolling the aisles of your local Shoppers Drug Mart®, check out Quo BeautyTM , an exclusive line of makeup that’s a great example of quality product at affordable prices. Splurge on: Skincare Here’s a helpful maxim when it comes to beauty: The longer it’s on your skin, the more you might want to spend. Cleanser, for example, can be more of a bargain buy, although we’d also argue that it’s worth splurging to get the self-care soothing that comes with massaging a fragrant, creamy lotion on your face at the end of a long day. Serums are where the “actives” usually are in your skincare: Think retinol, Vitamin C or glycolic acid. If you’re going to invest anywhere, we recommend starting here, because more expensive formulas tend to be more potent. If you’re looking to splurge without blowing your budget, save up those PC Optimum points and watch for bonus PC Optimum points offers or events to stretch them even further on beauty purchases. Save on: Tools Unless you’re a pro makeup artist, you don’t really need more than a handful of multi-tasking makeup brushes. You also don’t need to drop a mint on expensive, brushes made from real hair either. Durable and easy to clean, the synthetic brushes you can find in the drugstore do the job. Just make sure you’re washing them regularly (try baby shampoo instead of expensive brush cleaners) and they’ll last well. Same goes for hairbrushes, sponges and any other utility tool. To find points offers on beauty products, download the PC Optimum app on your phone: You’ll get new offers and deals every week, including beauty! Splurge on: Haircare When you’ve spent hundreds of dollars getting your hair cut and coloured at the salon, it only makes sense that you’d want to treat your strands with the same reverence at home. By splurging on shampoo and conditioner, you’re generally getting more technology (anything to stop split ends!) and more active ingredients, since cheaper hair care tends to contain more water and fewer oils and vitamins. And, because of the greater concentration of some of these more expensive ingredients, you actually may end up washing your hair less frequently—which is a bargain in its own way! Pro tip: Make your money go even further by using your PC Financialâ Mastercardâ to earn 10, 20 or even 30 PC Optimum points for every $1 of your purchases at stores that participate in the PC Optimum program, and 10 points everywhere else you shop1. \n\n *Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 1Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the President’s Choice Financial Mastercard® everywhere you shop. When you use your President’s Choice Financial Mastercard® at affiliated Loblaw banner stores, you will earn 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders. ","url":"/learning-hub/blog/what-beauty-products-are-worth-spending-big-bucks-on-and-where-you-should","category":"BlogCategory"},"f8d3eaec-d8aa-5253-aaba-e10a62bcc02a":{"page":"4 Ways to Make the Most of Your Weekly Grocery Shop","description":"Attention all savvy shoppers: You already know and love the PC® brand as a trustworthy make with a wide selection of quality grocery products, but did you know that it also offers some easy ways to save money while loading up your cart every week? Here are four strategic ways to spend less on groceries—and maximize your PC Optimum™ points—without compromising on the everyday essentials and indulgent treats your family loves. 1. Download the PC Optimum app Personalized offers tailored to you based on the products you buy the most? Yes, please. Each week, you’ll receive a customized line up of extra points offers based on your shopping patterns: You’ll see offers for hundreds or even thousands of additional PC Optimum points* that you can earn when you buy select PC® products, Joe Fresh® clothing or make specific purchases at Shoppers Drug Mart®. Simply load these offers on your app, and start racking up the points while stocking up on items you’d likely be purchasing anyway. 2. Shop with a PC Financial® Mastercard® and the PC Money™ Account Fun fact: Since its launch, millions of dollars’ worth of free stuff has been awarded to PC Financial Mastercard® cardholders. That’s because using this no-annual-fee card is a fast way to earn PC Optimum points: You earn points for every dollar you spend, anywhere, on anything you buy. Depending on the card, that translates to 10, 20 or even 30 PC Optimum points for every $1 of your purchases at stores that participate in the PC Optimum program, and 10 points everywhere else you shop2. You can see how quickly it adds up. If you prefer to use your own money when you shop, as opposed to a credit card, another way to earn points while you spend is with the PC Money Account. It’s a new account that works like a bank account and which also lets you earn 10 PC Optimum points for every $1 of your purchases—everywhere you shop, including online and in-store at retailers across Canada and around the world3. Did we mention it has no monthly fee? \n\n3. Subscribe to PC Optimum Insiders™ subscription program Like perks? You’ll love PC Optimum Insiders subscription1, a paid subscription service exclusively available to PC Optimum members. Not only will you get free shipping from joefresh.com and shoppersdrugmart.ca (and no pick-up fee with the PC Express™ service), but you’ll also earn 10% back in PC Optimum points on every single PC® product (12,000 and counting!) and on Joe Fresh® styles. The annual fee of $119 (plus taxes) also includes 5% back in points on any PC® travel services purchases, so start researching that future trip-of-your-dreams now. Oh, and did we mention you get a one-time welcome box, filled with PC® products and goodies? 4. Save time with PC Express™ pick-up services You’ve heard that time is money—and the hours you’ll save picking up your groceries instead of roaming the aisles may be worth every penny of the pick-up fee. Simply place your order online, roll up curbside at your set pick-up time, and pop the trunk for drop off. You’ll never think of grocery shopping the same way again. *Minimum redemption is 10,000 PC Optimum™ points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 1Conditions apply to all benefits. For full program terms and conditions, visit https://www.pcoptimum.ca/insiders/en/terms-and-conditions 2Earn a minimum of 10 PC Optimum™ points per dollar on all of your purchases charged to the President’s Choice Financial Mastercard® everywhere\nyou shop. When you use your President’s Choice Financial Mastercard® at affiliated Loblaw banner stores, you will earn 10 points per dollar for President’s Choice Financial Mastercard® cardholders; 20 points per dollar for President’s Choice Financial World Mastercard® cardholders; and 30 points per dollar for President’s Choice Financial World Elite Mastercard® cardholders. 3Earn 5 regular PC Optimum™ points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points.","url":"/learning-hub/blog/4-ways-to-make-the-most-of-your-weekly-grocery-shop","category":"BlogCategory"},"ce3f4fc5-c287-5510-b078-08b97aeb992d":{"page":"Introducing the new PC Money Account™","description":"Canadians love to look for value when we shop, and earning points is part of that passion. It’s with this cost-saving mentality in mind that we are proud to announce the PC Money™ Account — a new account that works like a bank account you can use worldwide, even online, anywhere Mastercard® is accepted and allows you to earn PC Optimum™ points for every dollar you spend, everywhere you shop. You read that right — everywhere you shop, including online and in-store at retailers across Canada and around the world. PC Money Account holders can earn 10 PC Optimum points for every $1 of their purchases1. The points they earn by using their card can also be combined with PC Optimum offers, like points from personalized offers and bonus point events, and redeemed towards the purchase of everyday items such as groceries, health and beauty products and household goods at our many banner stores such as Loblaws®, Real Canadian Superstore®, No Frills®, Joe Fresh®, Zehrs®, Shoppers Drug Mart® and more. We’ve been working on the PC Money Account for a while but fast-tracked it’s launch, since we know that Canadians are looking to get more out of their every dollar, especially in these times. Also, a growing number of Canadians are turning to cashless payments, particularly in recent months, which makes the PC Money Account timely and easy to use. The PC Money Account can be used wherever Mastercard® is accepted. You can make an unlimited number of everyday transactions2 with the account, all for no monthly fee, and there is no minimum account balance required. There’s even optional overdraft protection3. The PC Money account also includes the option to set up personalized savings goals for items, like a new bike or smart tv, while helping you track and manage spending. One element we know that PC Optimum members will be excited about is our welcome offer. You can earn up to 50,000 bonus points when you open your account and take advantage of introductory offers4, including: 10,000 bonus points for linking the PC Money Account to an external bank account 10,000 bonus points the first time you make a purchase of $50+ using the account 25,000 bonus points for setting up a direct payroll deposit on the account for at least 3 months, and 1,000 bonus points for each of up to five bill payments of $50 or more to unique payees, each month, using the account We also work hard to keep your money safe. Security is our first priority, so we put extra protections in place just in case. They include: Canada Deposit Insurance Corporation protection on eligible deposits Two-factor authentication 24/7 fraud detection and support Mastercard Zero Liability Promise for unauthorized purchases5 You can get your own PC Money Account today by visiting here. Open an account and start making your money go further! 1Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 2Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial bank machines, self-serve bill payments and purchases in Canadian dollars. For information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services, and to access all legal documents for the PC Money™ Account, go to your Notification Centre by logging in to your online account at pcfinancial.ca or through the PC Financial mobile app. 3Optional overdraft protection allows you to temporarily borrow funds up to your approved credit limit when you don’t have enough money in your account to complete a transaction. This may allow you to complete the transaction and avoid a Non-Sufficient Funds (NSF) fee. When your account is in overdraft there is a fee charged each month in addition to interest charges on the outstanding overdraft amount. Subject to credit approval. 4Earn up to 50,000 bonus PC Optimum™ points by taking advantage of introductory offers. Here are all the bonus points available to you: Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Limit one offer per PC Money™ Account. Account must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of eligible transaction. Earn one bonus of 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Limit one offer per customer. Both accounts must be in good standing at the time they are linked. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successfully linking accounts. Earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of a successful bill payment. Earn a one-time bonus of 25,000 PC Optimum™ points when you set up automatic payroll or pension direct deposit into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following setup. Limit one offer per PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-6 weeks of completing your third direct deposit. 5Your liability may be limited in situations where use of your Account was unauthorized. For more details, please refer to section 6.2 “Unauthorized Transactions” in your Account Agreement. ","url":"/learning-hub/blog/introducing-the-new-pc-money-account","category":"BlogCategory"},"c9c069c0-0184-527e-b3a3-1c2b24469dcf":{"page":"5 Money Habits I Learned To Help Get Myself Out of Debt ","description":"Habits may be formed as a result of small but consistent changes in your behaviour over time. Eventually, the habit may even become second nature. Just like any other habit, getting to know how far your money will go takes practice. So does paying off debt. By adding a few simple money habits to your routine, you may be able to get out of debt faster than you thought. These are 5 money habits I learned that helped me to get myself out of debt. 1. Picture Your Future Self Ever picture yourself 5 years from now? Do you have a house? Kids? Are you travelling full time? Have you ever thought about how you’re going to reach these milestones? If debt is in your way and you’re just getting by with minimum payments, it might take a lot longer to get there than you think. Get into the habit of keeping your goals at the front of your mind. Debt can slow down the vision of your future; don’t let it. 2. Budget EVERY Month Building a budget is can be very helpful in paying off debt. Once you budget, you’ll be able to see exactly where you can squeeze every extra dollar into paying off debt. However, the budget only works if you actually use it. This means that building a budget monthly and checking it often to make sure you’re on track is important. If there’s one money habit to add to your routine, it’s budgeting. 3. Track It The budget won’t work if you’re not tracking your spending. You need to know where your money is going. Get into the habit of checking your accounts regularly. If you prefer everything in one place, you can dedicate one card for all of your everyday transactions. The PC MoneyTM Account is a rewards card that earns 10 PC Optimum™ points for every $1 spent, everywhere you shop1. With it, you can easily add funds and track your account balance, savings goals and daily transactions through the PC Financial app. It’s a useful option to help stay on top of your spending. 4. Plan Ahead Debt repayment is all about planning. Plan for meals, birthdays, and everything in between. Your budget is your plan, and it’s your calendar. Get into the habit of forecasting where you need to put your money ahead of time so you can always stay on top of it. 5. Make Sacrifices, But Treat Yourself Getting out of debt takes sacrifice. Building new habits like eating dinner at home can save money, but if you want to treat yourself, go for it. Just put it in your budget. An extra savvy way to do this is by using the PC MoneyTM Account for your regular spending. Those PC Optimum points add up. You can use your rewards to cover the cost of your next date-night meal at home, or even a wardrobe refresh. It’s an easy way to give yourself an extra special treat while still knocking out your debt. \n Getting out of debt may take longer than the time it takes to build a new habit, but with these simple money habits, you just might get there a little bit faster. \n\n 1Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. ","url":"/learning-hub/blog/5-money-habits-i-learned-to-help-get-myself-out-of-debt","category":"BlogCategory"},"9f428d67-2886-5957-824e-2c5cb53581a6":{"page":"5 Ways To Spend More Intentionally and Save Money","description":"Being intentional means having a plan and being more mindful about every decision you make. Intentionality also applies to your money. When you choose to be more intentional with your money, you may be able to spend less, save more, and only surround yourself with things that bring you value and joy. Here are 5 easy ways to start spending more intentionally. 1. Create a Budget Have you ever tried getting somewhere without knowing where you’re going? That’s kind of what spending money without a budget is like. A budget gives you the knowledge you need to make more intentional decisions about how you spend your money. The way you budget is up to you. You can go old fashioned with a pen and paper, or you can look into a few of the other available options to help you track your spending, such as The PC Money™ Account . The PC Money™ Account is a new account that works like a bank account you can use worldwide, even online. It earns 10 PC Optimum™ points with every $1 you spend, everywhere you shop1. It offers personalized savings goals that you can use to stay on top of your budget and spending insights to help you keep track of your daily transactions. The budget is your GPS. It will help you get to where you’re going. 2. Wait It Out Do your best to avoid impulse buying by giving yourself a “cooling off” period. This can be 5 minutes, a day, or longer. Is it something you really need? Why do you want it? Give yourself space to make clearer, more informed decisions before you buy. You’ll usually keep more money in your pocket that way. 3. Avoid Buying Just Because It's On Sale So you’re motivated, you’ve got your budget, and then you get that email: “FLASH SALE! 50% OFF EVERYTHING!”. The temptation is hard to ignore. Do your best to consider how much you really need that new “something”. There’s a difference between getting a good deal on what you actually need, versus buying something just for the sake of it. You may have “scored a great deal”, but that’s money out of your pocket at the end of the day. 4. Stick To The List A great way to ensure you’re spending with intention is to take time to think about what you actually need by writing a list. This is especially helpful at the grocery store or the mall, where it’s easy to get distracted. Sticking to your list avoids these “deal distractions”, and helps you only buy what you came for. 5. Be Savvy The PC Money™ Account is a great tool you can use to keep your spending intentional, but still savvy. It offers unlimited everyday transactions2 with no monthly fee, and all purchases earn you 10 PC Optimum points for every dollar you spend that can be redeemed at stores that participate in the PC Optimum program. Every dollar that’s not spent on bank fees is more money in your pocket. On the other hand, every dollar of your purchases that is spent can earn points to save towards your next set of essentials later on. That becomes a little extra cash saved just by being more intentional with your money and the tools you use to spend it. \n\n 1Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 2Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial bank machines, self-serve bill payments and purchases in Canadian dollars. For information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services, and to access all legal documents for the PC Money™ Account, go to your Notification Centre by logging in to your online account at pcfinancial.ca or through the PC Financial mobile app.","url":"/learning-hub/blog/5-ways-to-spend-more-intentionally-and-save-money","category":"BlogCategory"},"f6e39c7a-7717-5f82-b2b2-951f82e206e6":{"page":"Rack up PC Optimum™ points with the new PC Money™ Account","description":"Canadians love their rewards programs, and rightly so. There’s something gratifying about getting points for buying stuff you need (and want) and saving them up to pick up something else down the road. Many of us also take pleasure in the goal-setting that comes with collecting points and, of course, the satisfaction of redeeming them towards purchases. Who doesn’t love redeeming points instead of spending dollars when buying a new lipstick at the Beauty Boutique or picking up a special dessert for family dinner? Lately, many of us are shifting our spending towards essentials and looking for ways to make our money go further. Using loyalty reward programs can help in that effort. Why the PC Money™ Account may be right for you There’s a good chance you already know and love the PC Optimum™ program. It’s one of the country’s largest loyalty rewards programs, with millions of PC Optimum members who can collect and redeem their points at PC Optimum program affiliates including Loblaws®, Real Canadian Superstore®, No Frills®, Joe Fresh®, Zehrs® and Shoppers Drug Mart®. Well, listen up, super fans: There’s a new way to earn even more PC Optimum points on all your regular purchases. PC Optimum members now have the opportunity to supercharge their points earning with the new PC Money™ Account. The PC Money Account works like a bank account you can use worldwide, even online, anywhere Mastercard® is accepted. Account holders earn 10 PC Optimum™ points for every $1 of their purchases1, everywhere they shop. We’re talking anything from baby shower gifts to new shoes to your favourite flavour of ice cream, including purchases both online and in-store at retailers across Canada and around the world. In other words, you earn PC Optimum points by simply going about your daily life. Now that’s making your money work harder. The points earned from your PC Money Account can also be combined with other PC Optimum offers, like your personalized offers and bonus point events at PC Optimum program affiliates. For example, let’s say you’re a PC Optimum member who buys $5 worth of delicious chocolate chip cookies at No Frills because you have a personalized offer to receive 100 points for every $1 spent on cookies. Upon cashing out, your total grocery bill comes to $50. If you pay using your PC Money Account, you’ll earn 1,000 points for that shopping trip: 500 points for the cookies and 500 points for the entire grocery bill. Without using the PC Money Account, you would have missed out on half the rewards and only earned 500 points. (Remember that 1,000 points = $1 and you can redeem points in 10,000, or $10, increments). The PC Money Account has some unique features The PC Money Account also comes with a few unique features, including unlimited everyday transactions2, no-fee withdrawals at PC Financial® ATMs and there’s no minimum account balance requirement. Also, there are a number of welcome bonus PC Optimum points offers3 that PC Money Account holders can take advantage of, including: 10,000 bonus points for linking the PC Money Account to an external bank account; another 10,000 bonus points the first time you spend $50+ using the account; and an additional 25,000 bonus points for setting up a direct payroll deposit on the account, completing at least three direct deposits into the account within the three consecutive months following setup. PC Money Account holders can also get 1,000 points for every $50+ bill payment made to unique payees using the account, with a limit of five bill payments, or 5,000 points, per month4. That’s a whole lot of points up for grabs. The PC Money account also gives you the option to set up personalized savings goals for items like a smart TV or a new high-tech kitchen gadget. You can even add pictures to this part of the account, to make saving and tracking spending a bit more fun. Think of it like a vision board for your savings goals. For ease of use, the PC Money Account can be used wherever Mastercard® is accepted. You can also rest assured that the PC Money Account includes extra safeguards, including Canada Deposit Insurance Corporation protection on eligible deposits, two-factor authentication, 24/7 fraud detection and support and Mastercard Zero Liability Promise for unauthorized purchases5. Canadians are seeking more from their money and the new PC Money Account makes your everyday money movement a lot more rewarding. For more information, or to open a PC Money Account, visit here. 1Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions. 2Everyday transactions include an unlimited number of completed electronic fund transfers, withdrawals at PC Financial bank machines, self-serve bill payments and purchases in Canadian dollars. For information about daily and transactional dollar value limits on everyday transactions, and fees for other available transactions/services, and to access all legal documents for the PC Money™ Account, go to your Notification Centre by logging in to your online account at pcfinancial.ca or through the PC Financial mobile app. 3Optional overdraft protection allows you to temporarily borrow funds up to your approved credit limit when you don’t have enough money in your account to complete a transaction. This may allow you to complete the transaction and avoid a Non-Sufficient Funds (NSF) fee. When your account is in overdraft there is a fee charged each month in addition to interest charges on the outstanding overdraft amount. Subject to credit approval. Earn 10,000 bonus PC Optimum™ bonus points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Limit one offer per PC Money™ Account. Account must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of eligible transaction. Earn one bonus of 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Limit one offer per customer. Both accounts must be in good standing at the time they are linked. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successfully linking accounts. Earn a bonus of 1,000 PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of a successful bill payment. Earn a one-time bonus of 25,000 PC Optimum™ points when you set up automatic payroll or pension direct deposit into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following setup. Limit one offer per PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-6 weeks of completing your third direct deposit. 4Earn a bonus of 1,000 PC Optimum points for each of up to five bill payments of $50 or more to unique payees, per calendar month, made using a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum account within 4-7 days of a successful bill payment. 5Your liability may be limited in situations where use of your Account was unauthorized. For more details, please refer to section 6.2 “Unauthorized Transactions” in your Account Agreement. ","url":"/learning-hub/blog/rack-up-pc-optimum-points-with-the-new-pc-money-account","category":"BlogCategory"},"4103a38b-7279-504f-bc65-a753109ac28b":{"page":"Spending Money to Save Money: The Ultimate Life Hack","description":"I absolutely love learning about the African diaspora through food. And because I’m always interested in testing and shooting new recipes for social media, I often spend way more than the average person on food and home decor. Between hunting for perfectly-ripe plantain at the supermarket and trying to find Ankara-print placemats online, it takes a lot of products and a lot of money to get the perfect shot. So it’s really no surprise that when it comes to building BLACK FOODIE into a media empire, more money goes out than comes in. Working through the pandemic has made it very clear how much money I actually spend on life and career essentials like groceries, gas, props, and specialty ingredients. On average, I spend at least $100/week on food-related expenses, so I’m always looking for saving strategies that don’t require me to cut back on investing in my business. Because let’s be honest; being a content creator is truly a juggling act and the one ball you never want to drop is your money. Fortunately, these days I can look at a crazy-high grocery bill and breathe easier knowing I can rack up hundreds of rewards points on everyday purchases by using the new PC Money™ Account. Powered by the same PC Optimum™ program we all know and love, the account turns basic banking into redeemable rewards points and the fact that there are no monthly fees associated with it is a game-changer. Plus, it’s super convenient for people like me who are always looking at news ways to get more out of their money. The best part? Because you can earn 10 PC Optimum points for every dollar spent with each swipe at a cash register, I could see it helping me invest in my business and get free groceries and other essentials at the same time. If only everything in life worked that way! Whether I’m making plans to sample jollof at a new West African restaurant or heading to the grocery store to grab ingredients for brown stew chicken, I’m glad my spending will lead to good food and lots of points that I will use on my next creative project. ","url":"/learning-hub/blog/spending-money-to-save-money-the-ultimate-life-hack","category":"BlogCategory"},"1daedf88-9b82-57bd-b478-84aa40324379":{"page":"Managing Your Money on Parental Leave","description":"Welcoming a new baby is a wonderful, exciting and busy time. But because the first year is often more expensive than new parents expect, and may include a temporary drop in income, it can quickly result in anxiety and money worries. You’ll have enough on your plate with a new baby to care for — you don't need to worry about your parental leave budget too. Here are eight tips for how to prepare your finances for parental leave. • Gather information: As soon as possible, find out which benefits you qualify for from government sources (this depends on your region, marital status and income). Check in with human resources at your and your partner’s workplace to find out what benefits they offer. Some companies provide parental leave top-ups or the ability to continue contributing to a pension plan, for example. Ask questions, such as what happens if you need to be on bed rest or take sick leave prior to your delivery date? An accountant or financial planner can advise and help you navigate the world of parental benefits. • Create a budget: If you haven’t done so already, now is a great time to figure out your current budget by looking at your present sources of income and tracking your spending. Crunch the numbers using what you expect to earn during parental leave versus expected expenses. Some costs will go down (travel to work and entertainment), others will rise (baby care costs) and some are fixed (rent/mortgage and other bills). Don’t forget: Parental benefits are still taxed as income, so plan to set some money aside for tax purposes. Look for online calculators that can help estimate your money needs after baby arrives. Once you compare your adjusted income to expected spending, you’ll know whether you will have enough money to pay for your lifestyle or if you need to cut back on spending in your parental leave budget. • Save now: As early as possible, start working on your nest egg. Try to live with a budget ahead of time in order to get used to living on a reduced income and put the extra cash into savings. Sock away tax refunds and any windfall money and start looking for everyday ways to save. This is especially important if you are self-employed or are a freelancer and don’t qualify for EI benefits to help you with managing money on parental leave. • Pay off debt: Before baby arrives, try to pay off high-interest debt, such as credit cards and lines of credit, and avoid tapping into these sources during parental leave. Choose to pay up front for purchases instead of selecting payment plans. You’ll thank yourself in the end for not racking up interest charges. • Don’t buy unnecessary gear: Keep your instinct to purchase all the baby things in check. Sure, it’s fun to buy cute furniture, gadgets, toys and teeny weeny clothes, but chat with other new mothers and seasoned parents to learn what’s truly essential and what not to bother with (diaper wipe warmers, I’m looking at you). Don’t go overboard on tiny outfits, because they’re often outgrown before they’re even worn. Consider accepting hand-me-down clothing, toys and gear, but make sure it complies with all up-to-date safety regulations. • Create a food strategy: While you still have the energy, think about how you’ll feed yourself during the sleep-deprived early months with a new baby. Start meal planning, batch cooking and freezing easy-to-prepare meals. Stockpile food staples and other items you’ll need when you see them on sale. Take advantage of loyalty plans, such as the PC Optimum points program, and redeem the points you earn on your purchases towards food and baby supplies at participating stores. (Pro tip: Time- and mobility-limited new parents can also take advantage of other convenient services such as digital banking and online grocery shopping). • Join forces with other new parents: By teaming up with parents at the same stage as you, you’ll tap into an invaluable network. You can pool resources on child minding and hand-me-downs, share advice on food-making or just commiserate together. Local parenting groups may also provide inexpensive educational or social opportunities. • Don’t stress: Most importantly, enjoy the early days with your new baby and try not to stress about money. Much of the hardship, like the lack of sleep, is temporary and will pass. In the meantime, enter “survival mode” and don’t put pressure on yourself to keep up with every pre-existing savings goal. For now, remember that time spent with your new bundle of joy has a value that money can’t buy. You can learn more about money planning to start a family here. \n\n","url":"/learning-hub/blog/managing-your-money-on-parental-leave","category":"BlogCategory"},"0aad243c-2d28-5434-b11c-113d360aa2af":{"page":"For Better or Worse: How Couples Can Align Their Spending Habits","description":"There are those who faithfully set money aside for a rainy day, and those whose love of shopping and spending push their monthly budgets to the limit. But what happens when these two types fall in love and start their lives together. Can spenders and savers truly align their spending and saving habits as a team?\r\n\r\nThe answer is a definite “Yes. Maybe.” Recognizing and acknowledging their differences is a strong first step, followed up by a commitment to open communication and shared goals.\r\n\r\nBut the challenge may be tougher than it sounds.\r\n\r\nTo avoid such romance-killing behaviors, spenders and savers should consider committing to complete transparency. Soon after a couple begins discussing future plans and goals such as cohabitation or marriage, they need to begin speaking frankly about finances. Will they merge their money? How will they divvy up household expenses? How will they build up savings for major life events ahead? Are there spending habits that have to change?\r\n\r\nThe Lottery Test \r\n\rSpenders and savers should discuss their different views on money: does it represent consumption today or security for tomorrow? Is “buying the best” essential to your well-being, or are the best things in life really free? Ask, “If we won $1 million, what would we do with it?” Have fun with this topic while you learn more about how each other thinks about money and the future.\r\n\r\nTo calculate how much you can spend and what you need to save, compile a list of joint family and financial goals. Include such milestones as saving for a home, preparing for children, funding the children’s education and investing funds for retirement. You’ll also want to account for irregular spending considerations, such as gifts or vacations.\r\n\r\nOnce you develop a list, put real numbers beside each item. How much money do you need to save for each category? When should you start saving, and how much can you afford to contribute every month? If you expect your personal incomes to grow over the next few years, discuss how much of that extra cash you can sock away. (Keep in mind that if you follow the traditional route of buying a home and having children, your expenses may rise faster than your income – just another reason to start saving sooner!)\r\n\r\nThese can be tough, complicated conversations. Young adults who have been waiting years to acquire the homes, cars and wardrobes of their dreams may find it difficult to postpone such indulgences in favour of down payments and RRSP contributions. The future, some may think, will look after itself. As a couple, however, you need to balance your goals and expectations, ensuring both partners feel heard, respected and treated fairly.\r\n\r\nProgress and Perks \r\n\rThe key to working toward such tough decisions is to make the process fun. Instead of talking finances around the kitchen table, why not discuss it at your favourite restaurant? You can also establish rewards for your progress. Once you agree on each milestone, splurge on a concert or a show – to remind yourselves that money is essentially a means to an end.\r\n\r\nOnce you’ve laid out a plan, use automation to put it into action. Use online banking protocols to deposit money every month (or every payday) into different savings or investment accounts representing, for instance, your home-buying fund, vacation funds or RRSP contributions.\r\n\r\nPromise never to touch these designated funds for everyday household expenses. If you find yourselves unable to make monthly contributions, revisit your plan and tighten your budget. If you need help, see a financial planner or credit counselor to get on track.\r\n\r\nAbove all, remember that you’re a team and that you’re in this together. To be successful, you need full transparency, no secrets. Keep asking yourselves, “How can we make this work, together?”\r\r\n","url":"/learning-hub/blog/for-better-or-worse-how-couples-can-align-their-spending-habits","category":"BlogCategory"},"2487e812-e987-5e70-942a-6a8a44093e56":{"page":"5 Tips for Saving Money on Gym Memberships ","description":" Memberships to swanky gyms can be expensive, but these five recommendations for lowering your monthly costs can help you get fit on a budget and have you jump-squatting for joy. Because living a fit, healthy lifestyle doesn’t need additional obstacles.\r\n\r\nSubscribe to an app\r\n\rWay cheaper than the average gym membership, fitness apps from celebrity trainers and athletes have exploded, and options are available for just about any goal (Toning your arms! Losing body fat! Improving cardiovascular health!) for a nominal fee. You can use these apps in a gym setting, but many offer complete workouts that require little to no equipment. They also often include activity trackers and nutrition recommendations, so you’re getting even more bang for your buck.\r\n\r\nUse social media to your advantage\r\r\nNever has there been a better time to access free workouts, because everyone from social media influencers to trainers and professional body builders post their circuits online with videos and tips to help with form. You can perform many of the exercises right in your own living room and without equipment. Over time, though, you may want to invest in a few items, such as a stability ball, resistance bands and free weights, so you get the best results for your efforts.\r\n\r\nTake up running\r\r\nIf you’re not already a runner, lacing up your running shoes and going for a jog can seem daunting (even if you’ve had that all-important good night’s sleep). But there are many practical benefits to integrating running into your training routine: you can do it anywhere (whether you’re travelling in a foreign country, stuck out at a cottage or in the heart of a big city), it’s suitable to most seasons and you can go at your own pace (even if that means walking for certain intervals). Motivate yourself by using a running app that tracks distance and speed so that you can chart improvements.\r\n\r\nFind a workout buddy\r\n\rIf you tend to use the money spent on your gym membership to guilt yourself into working out, finding someone to exercise with might be even more effective. You can keep each other accountable and can plan walking, running, cycling, swimming (often, entrance to public pools is practically free!) and body-weight workouts that you can do together. You might even be able to use your friend’s gym if he or she lives in a building with exercise facilities or share the cost of purchasing your own equipment.\r\n\r\nSign up for trials\r\n\rMany gyms and studios offer highly discounted rates for new customers looking to test out their facilities. These offerings tend to range from a single free class to a whole month of unlimited workouts at a fraction of the usual price. While bouncing from gym to gym to get discounts isn’t a long-term solution, it can be a great way to work out on the cheap if you need to save some money over several months, or if you’re looking for a gym that you actually like and will use regularly. ","url":"/learning-hub/blog/5-tips-for-saving-money-on-gym-memberships","category":"BlogCategory"},"3811a899-0939-526b-bb60-0d46702fd665":{"page":"The Domestic Geek's Tips for Entertaining on a Budget","description":"There’s nothing like throwing a great dinner party for friends and family! Chances are, if you love to entertain like I do, you know that the costs for throwing a party can add up. Luckily, there are some easy ways to stay on budget in a way that does not compromise quality or taste. Here are some of my favourite tips to keep spending in check: Take advantage of rewards. Using the PC Financial® World Elite Mastercard® (with NO annual fee!) is a great way to earn PC Optimum points on every purchase. I use my PC Optimum points towards free groceries, tableware, stylish outfits and other entertaining essentials at participating Loblaw banner stores. The points add up fast, too, letting you take advantage of rewards to entertain for less!\n\n Choose a signature cocktail so you don’t have to stock a whole bar. I love combining pomegranate juice and inexpensive sparkling wine to make something easy and delicious!\n\n Challenge guests to bring a bottle of wine for under $15. Hold a wine tasting at the party to determine which one is the crowd favourite for future events.\n\n Hack your snacks. Everyone loves to nibble but some snacks can cost major dough. Popcorn is always my go-to snack because it's cheap and oh-so versatile with dozens of flavor possibilities. Try tossing with some melted butter, fresh thyme and grated Parmesan cheese – your guests will love it!\n\n Set the mood. Candles are a cheap way to add ambiance to any event and you can buy a box of tea lights for a few dollars. I like to place them in mismatched mason jars or drinking glasses for soft lighting that will cast a gorgeous glow on your food.\n\n Keep in mind that the PC Financial® World Elite Mastercard® is an awesome way to earn and redeem PC Optimum points towards many of the items you’ll need to throw a great party like this. Learn more here!","url":"/learning-hub/blog/the-domestic-geeks-tips-for-entertaining-on-a-budget","category":"BlogCategory"},"8ed76d6c-774d-5876-8db5-a41aa739ceb8":{"page":"5 Boredom Busters for Road Trips","description":"Road triiiip! Oh wait … road trip. If poorly planned, time spent crammed in a car can seem eternal, especially if you have children to keep entertained in the back seat. But a well-thought-out ride can help make the time fly (and heck, it might even be fun!). When you're pondering what to pack for a long road trip, here are five suggestions for low-cost entertainment that will keep everyone happy and your trip on track. Remember the Old Standards There's a reason why classic games like Eye Spy, Tic-Tac-Toe and 20 Questions persist. With little or no preparation or equipment required, they're a natural solution for what to do in the car on a road trip, and they're easily adaptable for all ages. Other classics include licence plate games, travel bingo, guess that song, the alphabet game, trivia, and conversation or story starters. Heaps of free printables for these games and more can readily be found online and printed ahead of time. Create a Lap Board Turn a (magnetic) baking tray into a children's workstation/lap table. By hot-gluing magnets to pencil crayons, workbooks, sketchpads or activity sheets and so on, you can help prevent the struggle to retrieve dropped items. Older children might opt for a pencil case and a hard-cover binder filled with paper-based activities (such as word searches, journal pages, stickers or a map to follow the trip's progress). Bring Books Good ol' books—they're low-tech, with age-appropriate options aplenty, and free to borrow from your local library. Audio books are also a great solution, especially for pre-readers, reluctant readers, or those prone to car sickness. (Tip: audio books can also save you from going hoarse from endlessly reading out loud.) Prepare Goody Bags There's no sense unleashing all your carefully thought-out activities at once; instead, try creating smaller lunch-bag-sized goody bags that can be doled out at regular intervals—say, once an hour or per unit of distance travelled. Fill them with such treats as brain teasers, cards, notepad and pens, small craft kits or supplies, snacks (President's Choice products to the rescue!), word searches, flash cards and so on, with the intent of keeping the activities fresh and all passengers anticipating the next batch of surprises. Learn a New Skill Why not put those long road hours to good use by learning something new? Loads of teaching aids are available online or through the library to help you learn everything from knitting, beadwork and drawing, to disciplines such as amateur geology (\"Hey Mom, pull over, I see a cool rock!\"), or even a new language. Now that's education on the go! Armed with these ideas for what to take on a road trip, boredom is one thing you won't be bringing along for the ride.","url":"/learning-hub/blog/5-boredom-busters-for-road-trips","category":"BlogCategory"},"0bfaa13f-27f7-55ec-8ad8-fc09935acca4":{"page":"3 Reasons to Buy Gift Cards with Your PC Financial World Mastercard®or PC Financial World Elite Mastercard®","description":"Now introducing…The Gift of Choice! Use your PC Financial World Mastercard® or PC Financial World Elite Mastercard® to purchase gift cards for your favourite retailers through The Gift of Choice in-store at Loblaw banner stores to take advantage of the following benefits. Added points Did you know, PC Financial World Mastercard® cardholders earn 20 points per dollar spent and PC Financial World Elite Mastercard® cardholders earn 30 points per dollar spent on gift card purchases at Loblaw banner stores? Don’t miss out on free rewards – give yourself The Gift of Choice every time you do your weekly grocery shop. Variety of Cards You’ll find gift cards for every occasion including holiday and birthday-themed President’s Choice® gift cards, as well as Joe Fresh®, Shoppers Drug Mart® and Beauty Boutique™ cards. From Tim Hortons to PetSmart to Home Depot and much more, you’ll find gift cards for your favourite stores to meet all your needs. Ease of Purchase Not only can you buy gift cards in store, The Gift of Choice website allows you to purchase President’s Choice®, Joe Fresh®, Shoppers Drug Mart® or Beauty Boutique™ gift cards from the comfort of your own home. You can choose to have your gift card sent to you in the mail or sent to you digitally by email. Simply visit GiftofChoice.ca, select the gift card you wish to purchase, indicate the dollar amount you wish to put on your gift card and voila! It’s as easy as 1, 2, 3. Not looking for a President’s Choice® gift card? Make your way over to GiftofChoice.ca to view the entire selection of gift cards available for purchase in-store.* The Gift of Choice is just a click away! *The Gift of Choice gift card selection is available at participating Loblaw banner stores where President’s Choice® products are sold. Not all cards shown are available in all locations. See in-store display and individual cards for terms and conditions of use. All trademarks shown are the property of their respective owners and are used with their permission.\n","url":"/learning-hub/blog/3-reasons-to-buy-gift-cards-with-your-pc-financial-world-mastercard","category":"BlogCategory"},"882d4999-6c36-5ffd-b18a-97b80bd61989":{"page":"Why Ridesharing Could Replace Your Car","description":"Oh, those car costs don't stop. Between the price of gas, the winter tires, the frequent tune-ups, the new parts, it never ends. But now the good news: there's a practical alternative to owning a car that doesn't mean having to take public transit. Indeed, ride-sharing is growing and could be one of the best ways to keep more of your hard-earned money. The \"sharing economy\" is booming, after all, with no shortage of competitors in the car sharing app category. It's easy to find out which carpool app offers the cheapest route. That is especially true if the ride is during off-peak hours. When potential costs are all added in, the financial figures for owning a car can be teeth-clenching. Factors to consider are car payments, regular maintenance costs, unexpected repair costs and the cost of gasoline. Toss in those winter tires, or spare tires. Toss in parking fees, a roadside assistance membership and tolls for good measure, and yes, it may just be more cost effective, in many ways, to go with ride-sharing. The upshot? Someone's chauffeuring you throughout, offering you the opportunity to kick back, relax and maybe catch a few more winks to recover from a bad night's sleep (or a rough day's work). Perhaps your own white-knuckle driving time on the highway or in rush hour traffic is not your idea of fun, and you'd rather sit in the back of someone else's car – with a laptop, a newspaper, a book – to use that time more productively. In this scenario, no more spending precious time at the filling station, no more idling your thumbs while your car's being serviced, and parking headaches are avoided altogether. And as an added plus, if a friend or colleague joins your shared ride, even for part of the way, you may be able to split some of the costs. Whether or not ride-sharing is for you depends largely on budget and preference. Take a careful look at your car expenses over the course of a year and compare that to your probable fees for using a carpool app. Even if the latter is the same as the former, you could still be saving on all kinds of hassles.","url":"/learning-hub/blog/why-ridesharing-could-replace-your-car","category":"BlogCategory"},"a682b100-f3c1-58c7-86c2-47331898599c":{"page":"A Quick Guide to Tipping Etiquette ","description":" Should you tip your manicurist, your tour guide or the bartender who served you one drink and disappeared? In many cases where a service is provided, it's good etiquette to offer a gratuity as thanks, but you are never strictly obligated. This tipping guide will help you understand how much to tip and when you can skip it all together. Restaurant Servers Thank your server for attention to detail with anywhere from 15 to 20 percent before tax. Though you may feel tempted to forego a tip in the case of bad service, it's usually best to speak to the manager instead. Dining in a foreign country or with a large group of people? Find out if the bill includes an automatic service charge. Bartenders If you're paying as you go, it's customary to leave a small gratuity per drink. Table service generally warrants 10 to 20 percent. Maître d' You are not obligated to tip the maître d', though you may wish to offer a small amount, if he or she goes out of their way to seat you on a busy night, or if you have a longstanding relationship. Do not offer cash bribes in advance to encourage him or her to find you a better table. Cab Drivers Standard tipping etiquette in Canada is 10 to 20 percent of your fare, depending on service quality. If you have an awful ride, do not tip. For excellent service, tip 20 percent. Tour Guides Tour guides in foreign countries often rely on tips to make up the bulk of their wages, so try to leave 10 to 15 percent of the tour's cost. If you're taking a multi-day tour, budget a small amount per day or check the website of the tour company for recommendations. It's always best to tip in the currency of the country you're visiting but give foreign currency if the only other option is to leave nothing at all. Beauty Service Providers Whether you're getting your legs waxed or your nails painted, it's good etiquette to leave a 15 percent tip for your esthetician. You can dip down to 10 percent for basic service or up to 20 percent for someone who goes above and beyond. Musicians and Entertainers If you catch a free festival performance or listen to a musician play at a restaurant over the dinner hour, it's a nice gesture to tip—but only if a gratuity jar is visible or a hat gets passed around. You may wish to give a larger amount than typical if you requested songs or sat for a long show. Airport Shuttle Drivers and Porters It's customary to give a small tip per bag to anyone who helps carry your luggage. Schlep your bags yourself if you prefer to save a bit. Housekeeping Though many people forget to tip the cleaning staff, it's a nice gesture to leave even a small tip each day on the bedside table. If you would rather save the money and skip daily service, you can notify the front desk.","url":"/learning-hub/blog/a-quick-guide-to-tipping-etiquette","category":"BlogCategory"},"c3928f2e-945f-50b5-a456-a9794f2017c1":{"page":"Budget-Friendly Ways to Invest in Your Health ","description":"It’s always a good time to start making good on all the resolutions you promised you’d achieve when the slate was wiped clean. If you’re among the Canadians who made a New Year’s resolution, there’s a good chance your promises included exercising or getting healthier, as those are popular ones made each year. Getting in shape and improving your health can be an expensive undertaking though, when fees for gym memberships, personal trainers, home fitness equipment, or the costs of specialty foods begin to pile up. Here are some budget-friendly ways to invest in your health: Explore gym membership alternatives Often times, the cost of a gym membership is prohibitive for some people who are looking to get in shape. While most gym memberships will offer you access to a great variety of equipment, classes, and health and fitness experts, there are plenty of less expensive choices that can help you get in shape and get healthy in the New Year. Some of the best workouts you can get, like walking, running and hiking require nothing more than a comfortable pair of shoes and a little bit of motivation. You could also sign up for fitness classes at a neighbourhood recreational center, take advantage of a corporate wellness program, watch an online video, or commit to following DVD fitness programs at home. Buy frozen fruits and vegetables Buying frozen fruit and vegetables may help you reduce the amount of food that goes to waste because you can take out what you need and save the rest until you need to use it. This can potentially save you money on the cost of eating well. When you use a President’s Choice Financial® Mastercard®, you’ll earn PC Optimum points that can be redeemed toward free stuff. Get more sleep If you’re looking to improve your health and happiness without spending a dime, a simple change to your lifestyle like getting more sleep can do wonders. Plenty of sleep on a nightly basis is ideal, and although that may be a difficult goal to achieve, it’s a free investment in your health that can help promote improved overall well-being, enhanced productivity, and happiness. Incorporate new recipes The Internet has many different recipes for the health-conscious Canadian. If you’ve grown accustomed to the same staples, mix it up with something new. Track your movement Between sleeping, working, commuting and all of the other routines that people may go through on a daily basis, it can be difficult to find the time for meaningful exercise. Tracking your steps and movement using one of the many free smartphone apps or a movement tracking device is a great idea, and many of them allow you to set goals, so you can work towards ensuring that you’re meeting your fitness goals, like walking a predetermined distance or number of steps every day.","url":"/learning-hub/blog/budget-friendly-ways-to-invest-in-your-health","category":"BlogCategory"},"122e2962-9f7b-51db-b0ec-ea16f6cee0ea":{"page":"Children's Allowance ","description":"As a parent, there’s a conversation you’ll have to have with your children at some point--the talk about money. Allowances, to be more specific. How important are they? When should children get an allowance? How much allowance is the right amount? If you’re hesitating over the issue, think of it as an important tool for teaching budgeting, which is a key life skill for a healthy financial future. Teaching young people to make wise decisions about spending and saving in their early years will help them in becoming financially responsible adults. Children as young as kindergarteners are ready to handle receiving a simple weekly or monthly allowance. How much allowance you give is up to you, but the amount matters less than the discussion about how the money is used. The point is to let your child practice managing a regular flow of money. Starting out, let your child decorate three budgeting jars: One each for spending, saving and charity. Then, have them split their allowance between the containers. How much they put into each jar is up to you, but an equal split keeps it simple for young learners. Be consistent and give the allowance at the same time each week or month to help them plan their savings and budget. The spending jar is for cash to purchase whatever they want, whether it’s a toy or stickers or a much-desired treat. If your child wants to blow it all on candy instead of waiting for the funds to buy a bigger or more practical item, that’s their prerogative. It’s better to learn lessons such as delaying gratification now instead of after they’ve flown the coop. The saving jar is for longer-term goals, such as a toy or activity that requires a larger sum of money. Encouraging them to save for something they’re passionate about will help motivate them. The same goes for the charity jar—it’s important to let them choose the organization or a cause they want to donate to. This jar is a way to direct spending based on values and teach them the importance of making the world a better place. There is debate about whether an allowance should be tied to chores. Regardless of your stance, let your child know what chores are or aren’t covered by their allowance and what chores they’re expected to do simply because they’re a contributing member of the family. Similarly, as your children age, you may decide to increase not only their allowance, but their responsibility for expenses (such as clothing, phone plans, entertainment, gas or car insurance). If you do, be clear about what their allowance is expected to cover. Older children should also understand when receiving their allowance will end, be it at a certain age, when they get a job, when they graduate high school, or when they get their own credit card. Your allowance strategy can and should evolve as your child grows. But if you’re able to instill the concepts of earning, spending versus saving and the importance of giving, this approach is a great start. ","url":"/learning-hub/blog/children's-allowance","category":"BlogCategory"},"5e3871df-9c8c-5ff4-b382-5d0fa6c2a7da":{"page":"Tips to Plan the Perfect Staycation for Father’s Day","description":"During these times, it may feel difficult to make an event special. But this Father’s Day, try out these staycation ideas that will give Dad the warm fuzzies when he sees the family together. Pop a tent in your backyard\r\nConsider setting up a tent in your backyard, or even building a blanket fort indoors. Sleeping outside or curled up on the floor with blankets and pillows is like a little adventure for the whole family—except you’re right at home and it’s completely free. Stargaze once it gets dark enough or use a flashlight to make shadow puppets with your hands.\r\n\nMake Dad’s favourite meal\r\nIf he loves breakfast, you can bring him the classic breakfast in bed (or tent, as the case may be) with the added surprise of a dessert or smoothie and keep phones out of the equation for a full hour. Consider even redeeming your PC Optimum™ points for something extra special! It always feels nice to be treated to your favourite things on your special day—especially when your family gives you their undivided attention. \r\n\r\nLeave time to reminisce \r\nWhy does Dad mean so much to your family? There’s probably a whole list of reasons but maybe you never say them out loud. Go around the table and say one reason you’re thankful or tell the story of a favourite memory with Dad at the centre. Even going through family photos or videos can be a great way to remember the special days you have had as a family.\r","url":"/learning-hub/blog/tips-to-plan-the-perfect-staycation-for-fathers-day-greater-than-live-well","category":"BlogCategory"},"ebbb7c3c-b769-5bf4-837d-504582822878":{"page":"Hosting an Afternoon Tea on a Budget","description":"Whether for Mother's Day, a bridal shower or an elegant gathering, the ritual of afternoon tea hasn’t changed much since Anna, Duchess of Bedford, made it a popular practice in the early 19th century. A popular activity, traditional afternoon tea service features a delightful spread of dainty bites and pretty petit fours on platters and tiers that enthusiasts wash down with teacups brimming with custom tea blends or flutes of bubbly. Throwing a tea party at home isn’t too difficult or pricey—and with the proper preparation it can look and feel just as impressive as going out. Here's a checklist of items you’ll need to host an afternoon tea that’ll help create just as lovely an experience. Fascinators are options. Things you’ll need Dishware, including a mix of vintage or modern tea cups and saucers and the appropriate cutlery Teas served with sugar and milk Sandwiches Scones Pastries, cakes, squares and cookies (can be store bought) Condiments, including clotted or Devonshire cream, and jams For a more substantial spread at early evening, opt to host high tea, which typically includes hot or savoury items like sausage rolls, Welsh rarebit, charcuterie and heavier dishes like casseroles, meats and vegetables. For the teaProvide a variety of flavours, including black teas (Earl Grey, English breakfast or Darjeeling), green teas (such as Jasmine) and herbal options (mint). Loose-leaf is recommended. Use fresh water to brew your tea, taking note of the steep time and water temperature used as over-brewing will make the tea bitter. In general, black teas take longer (between 3-5 minutes at 100°C) than green teas (about 3 minutes at 75°C), while herbal, rooibos or tisanes take the longest (from 4 to 10 minutes). Estimate about two to three cups per person. For the sandwiches Make small finger sandwiches using different types of bread (white, brown, brioche, rye) and fillings. Simply remove the crusts and layer your thinly cut bread with a choice of fillings before slicing them into rectangles, quartered into triangles, pinwheel-style on slightly flattened slices of bread and then cutting them as rolls, or stuffed inside tiny buns or savoury choux pastry. Don’t forget to season with salt and pepper. Plan for about four sandwiches per person. For the fillings Butter or chive cream cheese with thinly sliced cucumber (option: top with chilled cooked prawn and a dollop of mayonnaise mixed with lemon zest) Smoked salmon and cream cheese Soft goat cheese with roasted red pepper strips and toasted walnut Thinly shaved cooked ham with mustard Egg or crab salad topped with crème fraiche and a sprinkle of chopped chives Chicken salad, Waldorf chicken salad (with apples, celery and mayonnaise) or Coronation chicken (with mango chutney, curry powder, mayonnaise and dried apricots) Roast beef with caramelized onions For the scones Crusty on the outside and moist and tender on the inside, scones are synonymous with afternoon tea. Served small and warm with jam and clotted cream—a thick cream that’s like buttery rich thick whipped cream—scones can be plain or flavoured with dried fruits such as currants. Plan to have two scones per guest. For the pastries Sweets can range from gorgeous mini-layer cakes or pretty marzipan wrapped sponge cakes; mini tarts filled with custard, curd or topped with fruit; squares; confections such as macarons; buttery financiers or cookies; or even modern options such as airy mini cupcakes that are filled with fluffy raspberry cream. While it’s not necessary to make your own, the assortment of petit fours could be assembled from a collection of bite-sized baked goods or trimmed into one-bite morsels from larger items like brownies, bars or coffee cakes. Allow for two to three pieces of cake, pastry or confection per person. Additional Tips Prepare as much as possible in advance Homemade or store-bought mini desserts can survive in a well-sealed container for at least a day (freeze for longer). The only exception is goodies that are better served fresh. Scones—and cookie dough that’s been pre-portioned into 1-inch balls—can be frozen on a baking sheet and stored in a sealed container until they are ready to be baked. Some sandwich fillings (egg or chicken salad, pre-sliced roast beef or cooked roast chicken) can be made a day in advance and kept tightly wrapped and refrigerated until use. Thinly slice your vegetables or cheese the morning of the tea and set aside. Then, assemble sandwiches up to an hour before guests arrive, choosing between single bread-based open-face sandwiches or traditional numbers. Setting the table You’ll need cups and saucers, a teapot outfitted with a loose-leaf tea steeper or strainer, appetizer plates, small forks and a sugar dish and creamer for the serving area. Many of these vintage pieces can be found at thrift shops or flea markets. Besides covering a table with a tablecloth, fresh flowers and napkins, opt to serve sweet or savoury items—nicely displayed, of course—on large platters with tongs so guests can pick and choose their own plates. Spread the responsibility Consider hosting an afternoon tea themed potluck and giving attendees separate tasks, from setting the table to bringing one of the sandwich types or sweets for the table. Not only will this alleviate your load and save you time, it will help offset some of the cost. \n\n","url":"/learning-hub/blog/hosting-an-afternoon-tea-on-a-budget","category":"BlogCategory"},"28f88105-800c-5b75-a812-9c1e522c5dd1":{"page":"How to Budget as a Freelancer ","description":"I’ve been a 9 to 5er all my adult life — until this year. This past January I decided to take a big leap of faith and quit my 9 to 5 job so I could work for myself full-time. I’m getting close to my one-year workiversary as a self-employed person, and I’ve learned a lot about budgeting with a variable income these 9 months. And that’s saying a lot considering my husband, who I’ve been with for over 10 years, has been a freelancer since the day I met him. But you see, even though I had an idea of how he managed his money, it wasn’t until I stepped into his shoes that I truly understood his methodology. At the start of our relationship, the idea of budgeting without knowing how much I’d make each month would make me want to break out in hives. That’s why I stuck with a corporate salaried career for as long as I did. Eventually, I realized that having a variable income didn’t mean living paycheque to paycheque, or throwing your budget out the window. It really just comes down to being prepared. These are the 4 simple steps I follow. Determine Your Average Monthly Income for Your Budget It’s impossible to have a budget when you don’t know how much you earn. So how can someone with a variable income get around this major obstacle? It’s simple. To estimate how much you’ll make for the year, look at how much you earned last year as a freelancer, then divide that number by 12 to find out your average monthly income. If you haven’t been self-employed for that long, take an average of 3 or 6 months as your benchmark. And if you’ve been self-employed for a few years and each year’s income is very different, try to be conservative and use the year where you earned the least amount as your estimator. Once you have an idea of your average monthly income, you can budget just like anyone with a regular paycheque. You can even set up automatic savings deposits to reach your financial goals and invest regularly. Include Business Expenses in Your Budget A lot of freelancers forget about this step, but it can have some expensive consequences if it’s left out. The thing with being a freelancer is that you’re on the hook for any business expenses. You don’t have the luxury of having an employer provide you with a computer, software and unlimited felt-tipped pens for free anymore. If you’ve been a freelancer for a while and want to find out how much you should save up for your business expenses, look at your past year’s spending as a guide. If you can’t look that far back, look at the past few months. If you’re completely new to the freelance world, take some time to research other freelancers in your field on blogs and forums (or dare I suggest it, chat them up at industry networking events) to find out what are some typical expenses you’ll need to budget for. It’s also smart to save on business expenses when possible. There’s no getting around certain expenses when starting a business, but it’s always a plus to save on it when you can. Your Emergency Fund Should Always Be Fully Funded It’s always important to have an emergency fund, but it can be a lifeline as a freelancer. And it’s not just because sometimes expenses pop up and you want to make sure you have the money in your bank to pay for them. It’s because when you’re a freelancer and you’ve got clients, sometimes those clients are late with their payment. And even though they’re late, you can’t be late in paying your own financial obligations. A common rule-of-thumb is to have 3 to 6 months’ living expenses saved up in a high-interest savings account for emergencies. For freelancers, it’s probably a better idea to have 9 to 12 months saved up because you don’t have a guaranteed paycheque to fall back. Don’t Forget About Your Taxes No one likes thinking about taxes, but taxes should actually always be on your mind as a freelancer. Why? Because you have to save up to pay your income taxes throughout the year, otherwise you may be forced to drain your emergency fund to pay them or pay what you owe in installments come tax time. To estimate how much you should save for your taxes, check out one of the many tax calculators online then plug in your income, your RRSP contributions and your business expenses for the year. You may think that you’ll only owe a few thousand dollars, but depending on what tax bracket you’re in it could be in the tens of thousands. So, you better start saving now! *A minimum annual personal income of $60,000 or household income of $100,000 is required for a new PC Financial World Mastercard. To upgrade from another PC Financial Mastercard, the same income or a minimum $15,000 annual spending on the card is required. Subject to credit approval. ","url":"/learning-hub/blog/how-to-budget-as-a-freelancer","category":"BlogCategory"},"b46c0b74-e3dd-5e32-8208-1fcda2c5e83a":{"page":"Long-Lasting Gift Ideas: Subscriptions, Gift Cards ","description":"A common complaint about the holiday season is that it is over far too soon. While there is no real way to slow down this magical time, you can make the cherished memories last by filling your gift-giving list with thoughtful presents that will keep you on someone's mind all year long. Whether it’s memberships, subscription gifts or gift cards, here are some long-lasting gift ideas that will keep the kindness and festive thoughts alive long after the holiday season has ended. Subscription Gifts What could be better than giving a loved one a gift that will keep on giving all year long? Subscriptions to things such as magazines, music and streaming services—to name just a few—are an innovative, cost-effective way to deliver long-term enjoyment for anyone on your list. A great example of a subscription service is the new PC Insiders subscription program. Available in a month-by-month or annual option, PC Insiders subscription program gives PC Optimum members access to an amazing array of benefits for the length of their subscription. Perks include things such as free shipping from joefresh.com and shoppersdrugmart.ca and free grocery pickup with PC Express™. It’s an ideal gift idea because it offers so many different types of benefits that are sure to be a hit with anyone on your list. Furthermore, with the PC Insiders™ subscription program, members can earn back 20% back in PC Optimum points on select brands, so you’ll be helping your loved one boost their budget as well. Memberships Another long-lasting gift idea that shows you’re thinking outside the box is a membership gift. Do you have a friend who’s been talking about getting healthy? A gym membership would no doubt be appreciated. A wonderful feature of getting someone a membership is that you can really tailor the present to their particular personality. You can get a wine lover a membership to a wine club, or a movie buff a membership to a movie theatre. Memberships don’t have to be expensive to be appreciated and many communities offer affordable access to a variety of local clubs and activity centres. Gift Cards For a long-lasting gift idea that’s both affordable and versatile, nothing beats a gift card. Every year the range of options seems to get bigger and bigger, so there’s really no excuse not to find something for even the pickiest person on your list. Best of all, gift cards come in a wide range of price points to match any budget, so you don’t have to break the bank to show someone you’re thinking of them. An excellent option is to pick up a President’s Choice® gift card. You can choose from among President’s Choice®, Joe Fresh®, Shoppers Drug Mart and Beauty Boutique™ gift cards. They offer incredible flexibility, so you can give your special someone the gift of food, fashion, convenience or beauty and the convenience to use the card any time of year that best suits them.","url":"/learning-hub/blog/long-lasting-gift-ideas-subscriptions-gift-cards","category":"BlogCategory"},"00233187-ea0b-5fc3-829e-3489a255c6cd":{"page":"Time Savers","description":"Ten Simple Ways to Save Time What would you do with a little extra time in your day? Earn more money? Spend it on personal interests and hobbies? Enjoy more downtime with family? Whatever your version of a richer life might be, freeing up time can help you achieve it. And while we haven’t figured out how to stop the clock (yet), we can offer these time-saving tips and strategies to help you become more productive, reduce stress and get more of what you want. Consolidate Tasks Multitasking may sound like a great idea, but frequently switching your attention may often take more time and energy than focusing on one thing at a time. Rather than answering emails throughout your day, for example, designate a block of time to get it done all at once. The same goes for returning phone calls, completing household chores, filing paperwork or any other task that might divide your attention. Use a timer if necessary and stick to the schedule: having a time constraint may help you be more efficient. Eliminate Distractions Disconnect from time drains like social media, gaming and watching TV when you need to focus. Lock the door if you must and get down to it! Keep Lists Making to-do and shopping lists can save you time, effort and money! Whether your list is paper-based or digital, keep it updated and take it with you in case you find yourself with a few extra minutes to accomplish a task. Try to cross difficult items off your list first so that you can address them while you’re fresh. You’ll move on afterwards with a clearer mind. Leverage Online Services Make errands fit your schedule and save time by seeking out online apps for retailers and services that you use regularly, such as managing your credit card, gift buying and grocery shopping (using helpful services such as PC Express). Similarly, consider telecommuting for work, saving you and your employer time and money. Stay Healthy Get enough sleep, water, exercise and healthy food so you’ll have more focus and energy to help get you through your day without feeling sluggish or lazy. Taking stress breaks to stretch or meditate is not a waste of time, as it can help you be more productive when you return to the job at hand. Stay Organized Clean up clutter and designate a “home” for everything, and you’ll eliminate hunting for (or replacing) misplaced items, thus saving time and money! Store items close to where they’ll be used to help streamline daily tasks. Handle things as few times as possible: Don’t let junk mail collect on your counter, for example,; toss it as soon as it crosses your threshold. Plan Ahead Throwing things together at the last minute is rarely effective. Prepare as much as you can the night before by making lunches, setting the coffee timer and prepping the next day’s breakfast, clothes and plan of action. Keep separate laundry bins for darks and lights so clothes are pre-sorted for you. Save money and time, by developing a meal-planning strategy and employing batch-cooking once a week or month. Shop for birthday or holiday gifts throughout the year when they’re on sale, not at the eleventh hour. Delegate Whether you’re at work or at home, learn to let go of tasks and hand them to someone else to free up your time. Consider hiring someone to help you out. It’s all about cost-effectiveness—if it costs less to pay someone to do a job than the value of your time spent doing other things, it’s worthwhile. Optimize Waiting Time Find useful ways to spend time waiting in doctor’s offices, commuting or during any other downtime. Can you sort mail? Check which pens and markers still work? Write thank you notes? Listen to audio books? Review your to-do list? You’ll be surprised what you can accomplish in these nooks and crannies of your day. Learn to Say No Of all the ways to save time (and money), this is often the hardest but most important. Don’t let a desire to please or impress others let you become overbooked and overwhelmed. Prioritize and cut back on your commitments instead.","url":"/learning-hub/blog/time-savers","category":"BlogCategory"},"a62ee86e-b4d9-5cb6-90cc-e29353f9cef2":{"page":"Enjoy Stress-Free Snow Days with Fun Kids’ Activities","description":"The call has come in and school is cancelled for the day. The kids are cheering but you’re scrambling. Don’t panic! Here are at least nine super fun, easy and affordable things to do with kids that will turn a stressful day into s’no big deal. Use the cold Anytime the thermometer drops below zero is a good time to turn the cold into some fun. Why not freeze coloured water into “bricks” or decorative “jewels” to build and decorate outdoor forts, sculptures or snowpeople? How about blowing bubbles with soapy water/bubble solution to create pretty shapes? Teach your kids how thermometers work by comparing the temperature inside to the reading outside. In extra cold weather, encourage children to look up the science behind these activities online with you for a subtle teaching moment. Play with snow Temperature permitting, get everyone into the yard to burn off some energy. Snow tends to naturally encourage children to generate their own fun, but if they’re stuck for ideas, how about creating a snow maze? For younger children, try hiding a toy in the snow and having them search for it. Bring out their inner artist by filling squeeze or spray bottles with water and food colouring and letting them paint their snowy outdoor canvas. If it’s just too cold out, throw buckets of clean snow into a large basin or the bathtub to “paint” or dig in with a sand shovel and pail. Try icy treats! Make maple taffy by boiling real maple syrup for about 10 minutes and pouring it over a pan of crushed ice from your freezer. Once it cools enough to handle, kids can enjoy this traditional sweet treat. Yummy! Be eco-crafty Challenge your kids to create something new out of recyclables (including egg cartons, cereal boxes and empty juice containers), using the craft supplies you already have on hand, such as stickers, markers, tape and paints. Play with your food Build a small snowperson with marshmallows and eat it with a steaming mug of hot chocolate. Bring out the old fondue pot and enjoy a warm cheesy or chocolatey snack. Bake bread, cookies, homemade pizza or pasta—anything doughy that encourages them to make fun shapes they can eat. Lend them your camera Kids love a chance to show their family and friends the world through their eyes. Give them a camera and let them snap pictures and film movies throughout the day to document their time off school. In addition to taking pictures from angles you’d never considered, they might hold a modelling shoot, create stop-motion animation or write and perform their own movie starring themselves, their siblings, stuffed animals or pets. At the end of the day, make a big batch of popcorn, dim the lights and have a viewing party. Go for a walk As long as weather conditions are safe to do so, why not bundle up, slap on your skis or snowshoes, bring out the toboggan and go for a tour of your neighbourhood? You can admire the snowfall, get some exercise and maybe even encourage the kids to help a neighbour shovel out their driveway. Chores To be fair, they’ll probably complain about this one, but incentivized with a reward—such as a special snack or coveted screen time—you might be surprised how much children can accomplish. Cuddle up Use the forced downtime to curl up on the couch or in bed and read aloud, watch movies or classic TV shows, look through old photo albums or view home movies or slides. It’s all about spending time together and reconnecting. More kids’ activities can be found here and here.","url":"/learning-hub/blog/enjoy-stress-free-snow-days-with-fun-kids-activities","category":"BlogCategory"},"2896081e-576a-58a5-bff5-ffea5f515696":{"page":"Late-Winter Mood Boosters","description":"Canadian winters can feel like a long slog, causing many people to find themselves experiencing boredom. Let us help you and your family beat the winter blues with these easy, inexpensive and fun ideas to help elevate your mood and make you more productive. • Get more sunlight: With the shorter days of winter, there may be less opportunity to enjoy the daylight. Getting more direct sunlight may help improve your mood. Try leaving your curtains and blinds open as long as possible, take a seat closer to the window, take a walk at lunchtime or participate in as many outdoor activities as possible. Another option is using light therapy through the winter months, such as with a light box or dawn simulator (but get guidance from your doctor first to be sure this is an effective and safe option for you). • Travel more: Even the act of planning a vacation has been shown to boost happiness. Get inspired by going somewhere sunny, or book a mini-vacation closer to home if a far trip is beyond your budget. For PC Financial Mastercard® cardholders, PC travel services can help you plan your perfect winter getaway. • Change up your routine: Get yourself out of a rut by making new and different choices for yourself. It doesn’t need to cost much — or anything at all. Take a different route to work, try a new recipe or restaurant, sign up for volunteer or charity work, redecorate your home or even just move your furniture around. Read, watch or listen to something you wouldn’t normally choose. Swap screen time at night for a good book or a hot bath. Break the ice and reach out to someone new at work or a neighbor you’ve never spoken to. Join a club, learn a new skill or hobby, take a class and fire up your creativity. • Pet a pet: One of the easiest mood boosters for winter might be underfoot already. Interacting with dogs, for example, may help lighten your mood. • Get social: Fight the urge to hibernate because isolation is one of the worst choices for fighting the blues. Instead, tap into your social network of friends and family. Plan a party, go out with an old friend for coffee or dinner, have someone over to watch a funny movie and share some laughs. Avoid stress by making sure you plan something you’ll look forward to. • Eat well: You may have an uncontrollable urge to indulge in comfort food at this time of year, but that may not be the kind of diet that keeps you feeling energetic and motivated. Studies aren’t conclusive about the link between mood and food, but a nutritious, balanced diet will certainly contribute to higher energy levels. Foods thought to increase serotonin levels include fatty fish, such as tuna and salmon, egg yolks, and vitamin D-fortified foods. And don’t forget about water… you still need to drink plenty of it, even in cold weather. • Exercise: Staying active and exercising may help relieve stress, lessen symptoms of depression, boost self-esteem and release feel-good endorphins. For a double mood boost, exercise outdoors during daylight hours, weather permitting. You don’t need an expensive gym membership – here are some ways to save money on your workouts. • Get your rest: A lack of sleep may negatively impact your mood and raise the risk of irritability, frustration, poor work performance, depression and anxiety. Prioritize a regular sleep regime that includes enough hours of shuteye each night and a soothing bedtime routine. Use an alarm clock if you need it to wake up on dark mornings. Find out more about good sleep habits here. • Start a gratitude journal: Focusing on the positives in your life makes for a happier you. Purchase an inexpensive journal and start recording all the good things and silver linings in your life. Gratitude is a skill you can practice and get better at, not a personality trait. \n\n","url":"/learning-hub/blog/late-winter-mood-boosters-greater-than-live-well","category":"BlogCategory"},"e06b61c8-61d0-5112-9f9b-6280aa0da3c9":{"page":"Simple Ways to Help Organize Your Life Online ","description":"From electronic pay stubs, bills and bank statements to your personal and work emails, here's how to help keep your digital worlds organized. Bills, bills, bills\nLogging on to several different sites to view and maintain your bills can be time consuming and difficult to track. Download a bill-tracking app, which will help keep tabs and alert you of due dates, amounts and payments for your bills. Overflowing Inboxes\nWhether it’s your work or personal account, categorize your emails so they can be filed away, instead of in your face. (Tip: too many categories can turn organization into a treasure hunt.) Try to keep it simple, like 1. Partners, 2. Employees, and 3. Finance. You can also create sub-folders for each of these categories as needed. Delete emails as you go, let go of old emails you no longer need, and use detailed subject lines for easier key-word searching. Eternal E-Stubs\nDepending on how you’re paid (hourly wages versus salaried), you’ll want to review your pay stubs at least once a month for any uh-ohs. The one pay stub that you’ll want to review carefully and keep a hard copy of is your T-4, which details your earnings for the year and will be key during tax season. Financial Statements \nMake sure you have your own copies of online financial statements by saving them on your computer and setting up an external hard drive to automatically back up all of your important files.","url":"/learning-hub/blog/simple-ways-to-help-organize-your-life-online","category":"BlogCategory"},"0193119b-8c70-5564-b63a-e7b1c05e659f":{"page":"How to Budget for a Wedding ","description":"Weddings can be expensive. We all know that. From the venue and the dress to the food and drink, the big day can end up being a big bill for the newly married couple. A new PC Financial* survey shows two-thirds of couples planning to marry in the next two years intend to pay for their wedding from their own savings, investments, or inheritance. This means that if wedding costs go over budget, it can seriously derail long-term savings goals. Here’s how to help keep costs down and start your married life on a healthy financial footing. Budget, budget, budget \nThe first thing couples should do after getting engaged is to start writing down all their expectations for the big day – make the list exhaustive. Of course the guest list, venue and date are paramount. But also include what kind of meal you expect to serve, the type of thank you gifts you want to give the bridal party and even, the kind of centrepieces and cake you want. Will you stay in a hotel the night of your wedding, and will you hire a limo to get around on your big day? Ask friends who just got married about some of the surprise costs they encountered. Once your list is complete, you will have a full picture. Write down an approximate value of what each item will cost. Once this is done, look for places to cut back and save money. Easy ways to save money \nHaving a smaller wedding and guest list is the easiest way to cut down on costs. But on top of this, there are other simple things you can do to save money. For example, make your own centre pieces or rent them, as this could put thousands of dollars back in your pocket. You may be able to save time and money by holding your wedding ceremony and reception in the same place. Serve food family or buffet style, cutting down on the costs associated with a full-course dinner. Have guests RSVP online, and cut back on the cost of stamps for each return envelope. Get married any day other than Saturday and during off peak times, and venues usually offer up better rates. Out-of-the-box ideas to save \nIt can seem odd at first, but look into borrowing a dress or buy a gently used one second-hand. In most cases, nobody will know or notice. Getting married in your own backyard by renting a tent, tables and chairs may also a big cost-saver. Have a short engagement and see what last minute deals you can pick up by taking advantage of last-minute cancellations or deals. The longer you wait for the big day, the more likely you are to tack on extra costs. Hire a student photographer willing to take photos for much cheaper, in exchange for the experience and opportunity to add to their portfolio. You can also do as many “DIY” tasks as possible. Don’t stress over the little things & enjoy the experience \nThe good news is that the majority of couples surveyed plan to spend less than $10,000 on their big day. Keeping in mind how easy it is for costs to spiral out of control, starting with a small budget will help get your creative juices flowing and keep you away from signing up for expensive ideas. This may help cut down on the stress and help you enjoy your big day to the fullest. *A survey of 1574 Canadians was completed online between May 25 and 28, 2015 using Leger’s online panel, LegerWeb. A probability sample of the same size would yield a margin of error of +/- 2.5%, 19 times out of 20.","url":"/learning-hub/blog/how-to-budget-for-a-wedding","category":"BlogCategory"},"639e22a2-fdc6-570e-b1a1-4fadb9618d6b":{"page":"What to Consider When Starting a Side Hustle ","description":"It is widely recognized today that having multiple streams of income can create more financial stability and freedom in your life. Job security is not guaranteed and for most of us a little extra income can significantly add to our lives. There’s no refuting that having alternate streams of income or side hustle will certainly help you bridge difficult times. Knowing where to start doesn’t have to be overwhelming if you plan carefully. Here are four aspects to account for when considering starting a side hustle: What are you passionate about and how can you turn that into a side hustle? It is much more satisfying to work on something you are passionate about where you can use your talent profitably. When you witness your personal vision become a reality in a work place of your own creation, what can be more rewarding? There are so many possibilities where you can turn hobbies into side hustles. It could be something you are great at that you could teach, a service you could offer online, or a product you create that you could sell. The opportunities are endless; you just have to figure out what idea you would love to run with. What will it take to bring your idea to life? Creating a successful side hustle cannot be achieved overnight. It takes careful consideration. You need to research the current market to see what is currently available in your area. Plan which professionals you might need on your team, like an accountant or lawyer, to make sure you are setting it up correctly. You also will want to look into what technological skills you will need, particularly if you might have to learn new software programs. Marketing your service or product is critical to ensure that your customers can find and benefit from your products or services. All this will take time, so make sure you give yourself enough planning time before you get started. Where will you get the initial funding? Your side hustle will likely need a degree of financial investment to get started. You will have to look into how you will proceed. You could take a line of credit or find an outside investor or partner. Make sure you have considered all the previous steps carefully so that you minimize your risk before taking a loan. It would be very helpful if you would be able to reserve money as an emergency fund and back-up if necessary, businesses, even side hustles sometimes require more funding than expected. What is the future potential and how long will it take to recoup the investment costs? As part of your initial research you will need to try and estimate what your future earnings will be. Although one cannot be guaranteed of success, with determination and effort promoting and developing an area that is meaningful to you, you are likely to create a side hustle that will earn you satisfaction and financial gain. Launching a side hustle can be an exciting way to focus on something you are passionate about and may allow you to make significant financial gains. In the future, your side hustle could even become your full time business and change your life in a way you never could have expected!","url":"/learning-hub/blog/what-to-consider-when-starting-a-side-hustle","category":"BlogCategory"},"0da92832-cf93-59df-9f83-43a010b91eea":{"page":"High Value Veggies to Grow in Your Garden","description":"Vegetable gardens are not just for peas, beans and cucumbers any more. You can enjoy fresh-off-the-farm flavour – by growing a wide variety of vegetables in your garden plot.\r\n\r\nHere are just a few high-value backyard crops that may flourish under your green thumb.\r\n\r\nArugula: This fast-growing green thrives in cooler weather, making it a perfect addition to Canadian gardens. A leafy member of the mustard family, it adds spice to your salads. Sown directly from seed, it tends to grow best among the shade of taller plants.\r\n\r\nMesclun lettuce: Mixed lettuces create brilliant, leafy salads. With proper watering and protection from pests, you can expect two or three harvests per crop. Savvy gardeners can harvest a second, late-summer crop as well.\r\n\r\nCilantro: A multipurpose herb, cilantro supplies cool, flavorful leaves and citrusy seeds (known as coriander). A hot-weather plant, cilantro usually grows quickly and requires active maintenance. Clip off the main stems before they develop flower buds or seed pods, directing the plants’ energy back into leaf production.\r\n\r\nCherry tomatoes: A popular summer snack that is easy to grow. Use a tall tomato cage to support the vines or locate in a sunny spot close to a balcony or railing. Wait until they're ripe, plucking individual fruits every day. Have fun experimenting with different varieties, shapes and sizes.\r\n\r\nTurnips: The under-appreciated turnip is low in calories and high in nutrition. A cool-weather crop usually associated with fall, turnips can also thrive in summer under moist conditions.\r\n\r\nSquash: Not just a Thanksgiving staple, varieties of summer squash grow from early summer until first frost. Besides the normal cooked variety, you can serve them in salads or as a side dish.\r\n\r\nGrowing vegetables at home is all about the pride you feel in nurturing new growth and bringing freshness to the table. Not to mention that you might find a little extra room in your grocery budget for that pint of ice cream. You know you deserve it!\r","url":"/learning-hub/blog/high-value-veggies-to-grow-in-your-garden","category":"BlogCategory"},"acbc6e5f-96e0-5655-9ce9-0d3e7e5bb1ce":{"page":"How to Pursue your Dream Career","description":"Whether it’s starting a new career, or whether it’s about advancing in your current field, there are many routes to follow to achieve your goals, without having to sacrifice work or family time. There is truth to the oft-repeated career change advice of starting with educational upgrades. Look through the job ads to see which jobs you most want, and whichever requirements you currently do not have, pursue them in the classroom. Be it a night course or two through a post-secondary institution, a community centre, or even online, there’s no shortage of opportunities to learn (or update) new skills. You may even be invigorated from the new knowledge set. It’s a new line item on your resume, a possible new door opening, or even higher salary. If you think it could be a strain to take this step, try a single short-term course, and see how it goes. Taking on mentors is another way to open new horizons and discover new potential. Ask yourself: who do you look up to in your industry, who has accomplished what you might like to accomplish, or who has business savvy skills that you can emulate? Be bold – send out emails asking if people will be willing to have a phone conversation, a video call, or even meet for lunch/coffee (which you may have to pay for). Let them know where you’ve been in your career and where you’d like to land. Then ask if they have advice for your desired goals. Take notes, take action, follow up with them occasionally, and at the very least, these influential individuals may even have the next job lead for you. Next, network, network, network. Is this, indeed, a method of turning your career around? Most definitely. Online job boards are nice, but the truism of “it’s not what you know, it’s who you know,” is timeless. Get those business cards primed, tweak your elevator pitch, and start shaking hands at networking events. Truly, nothing replaces a face-to face meeting. The further your network expands, the more likely it is that somebody might know somebody looking for what you have to offer. And finally, look at turning your hobby into sales. Harness the go-getter in you, take what you’ve created, and start spreading the word through friends and social media. These are, after all, days of the “gig economy” – the freelance world – where for some, it’s the consequence of automation, layoffs, recessions, technology shifts and attrition. Grabbing it by choice means you get to do things your way, on your watch, on your terms, never caught by the surprise pink slip. So many others like yourself are turning their passions into fulfilling careers. If you’ve been wondering how to change careers, or how to land the job of your dreams, these steps could help. Please note it might not come as fast as you want, but the idea is to keep swinging at the ball until you make contact.","url":"/learning-hub/blog/how-to-pursue-your-dream-career","category":"BlogCategory"},"275e118c-ca4d-57fd-8079-f37f856922e3":{"page":"Why it May Make Sense to Buy a Rental Property Before Your First Home ","description":"Real estate prices have soared in the past few years in major city centers across Canada. If you are considering buying your own home for the first time, you might be wondering how in the world you will be able to afford your first home. If this is indeed your concern, and you can’t afford a home in your desired neighbourhood, ask yourself whether you could afford to buy a rental property in a less expensive part of the city where your money could go further. While this isn’t the usual approach to entering the real estate market, there are many unique benefits to purchasing a rental property before or in place of a primary residence. Consider these: Buying a rental property outside the city may be more affordable A rental property can be purchased on the outskirts of the city, where housing prices are more affordable and sometimes the average rent rate is still high. With a lower purchase price, it can be easier to qualify for the mortgage since it will be for a lesser amount. The combination of factors can make affording a rental property more feasible. You can have flexibility in your own life If you rent your personal residence, it could mean the opportunity to live in the neighbourhood of your choice; perhaps in an area where you could not afford to buy a property. You’d also have the flexibility of not being tied down to any particular area. If your career or life dictates, you could up and move to a new location, a different part of the city or even another country with relative ease. It is possible to partner with a friend or family member If you are still short of cash for a down payment for your desired rental property, you could consider partnering with a friend or family member and purchase it together. While a friend or a sibling wouldn’t likely help you buy your first house to live in, investing together may make a lot of sense. Whether partnering with family or friends make sure you have aligned objectives, proper contracts and communicate well. You can start to enjoy cash flow If the right property and tenants are selected and you’ve crunched all the numbers correctly, you will start to benefit from cash flow right away and use it to enhance your life. Once the down payment funds are contributed, all future costs, which include mortgage, insurance, property tax and maintenance, should be covered by the rent, which is paid by the tenants. Over time as the mortgage payments are made, equity is accumulated. The investment property will become a source of forced savings as well as appreciate in value if the real estate market rises. There are many complex issues to consider when buying a rental property. An investment requires proper evaluation, due diligence and consultation with experts in the field. In addition, sufficient contingency funds should be set aside to cover repairs, vacancy and property management if you choose not to manage the property yourself. Before purchasing your first investment property, it is also important to understand your rights and obligations as a landlord in your province. Buying an investment rental property can be a good way to get used to the idea of generating additional cash flow, making money from avenues other than your job. Deciding to build a portfolio of rental properties rather than owning your own home, while unconventional, it may be is a path to accumulating wealth and financial prosperity.","url":"/learning-hub/blog/why-it-may-make-sense-to-buy-a-rental-property-before-your-first-home","category":"BlogCategory"},"4aa99661-b8cd-5bf8-9399-35628da75c84":{"page":"Thrill Your Kids on the Cheap","description":"Busy parents often feel tapped out of ideas when it comes to keeping their kids entertained on weekends or other days off school. But occupying your offspring doesn’t have to be a chore – and you certainly don’t have to pay big bucks for hours of amusement. Here are five fun suggestions for hours of inexpensive activities for kids: Cooking \nYou do not have to be a chef to have fun with your kids in the kitchen. A quick online search provides a ton of recipes that are suitable for making with - and for - children. Tiny chefs love to stir, scoop and customize with toppings but you can start with something as simple as premade cookie dough to suit even the youngest children or shortest attention spans. Give yourself plenty of time, let them help choose the menu to help keep them interested, and remember to praise their hard work! Fun forts \nRemember these? Gather up blankets and sheets, couch cushions and pillows, clothes pins, rubber bands and rope. Add some floaty scarves, indoor-safe Christmas lights and flashlights, sleeping bags, electronics, books, games and snacks. Help them choose a theme (A scientist’s lab or spaceship? A secret lair or clubhouse? A lava tube?), then scout your house for a clever location. Make sure it has a stable support structure where you can safely anchor the fort, such as under a sturdy table or behind the sofa, then let them take creative control. Suitable for both indoors and in the backyard, this will spark their imagination – and maybe yours too – using items you already have on hand. (Hand-lettered “Keep Out” sign is optional.) Geocaching \nTime for some fresh air! For an outdoor activity, try your hand at geocaching, a hunt for hidden objects or “caches” using GPS coordinates posted online. Simply pick a cache, check its location and start searching. Hidden by fellow players worldwide, caches come in various sizes and shapes in both rural and urban areas, and vary in difficulty to access. Many include a visitor log and invite you to “take a treasure/leave a treasure,” adding an extra level of interest and reward for kids at the end of this hide-and-seek adventure. Crafts \nKids are natural artists, so think “create” not “consume.” Hit up social media sites for oodles of crafting ideas and how-to instructions to suit any skill level, supply cupboard and messiness tolerance. Faced with a nice day and a messy project? Move the Picasso-inspired proceedings outdoors. Share your passion \nYou already have the know-how, materials and equipment, now share your hobby or favourite activities with your kids. Curated an amazing music library? Host a dance party. Collect stamps, trains, butterflies or old advertising? Get them started on their own collections. Enjoy knitting or scrapbooking? Pass on your knowledge and teach them how to make creations of their own. Start small, show them what fires you up, and you might pass on the flame. Remember, you don’t have to spend lots of money to ensure your kids have a great time. A dash of inspiration and a pinch of time well-spent with you will fuel their imaginations and leave everyone satisfied (including you). What will you do first?","url":"/learning-hub/blog/thrill-your-kids-on-the-cheap","category":"BlogCategory"},"e21310ec-a16e-5ed7-b6a1-1705fde3c763":{"page":"Current Trends in Coffee ","description":"Drip, iced, espresso, cappuccino, flat white or long black, there’s no shortage of options when it comes to coffee and coffee-based beverages. For many, every morning starts with a cup of joe. Coffee might reappear as a midday pick-me-up, when one takes a coffee break or goes out for coffee. It’s easy to argue that we are a very caffeinated country. Learning that we enjoy consuming coffee isn’t news – it seems every city block is dotted with coffee chains and indie coffee shops. However, the coffee type most people gravitate to might be a surprise. A huge and growing market in the food and drink sector, coffee and its associated culture of preparation and consumption has been classified into three waves. Contemporary coffee culture has grown beyond the first-wave when instant granules and percolated brews were most popular. From gourmet quality beans to espresso-based drinks that are characteristic of second-wave coffee, now there are even coffee bars where trained baristas lead aficionados through coffee cuppings (tastings). For millennials, there’s an increasing thirst for innovative, functional drinks that are all natural, deliver nutrients or are made with traceable origins. The appreciation for finer quality product along with value placed on each component of the supply chain (producer, roaster, and barista) compliments the rise in third-wave coffee culture. Driven by artisanal brands and the coffee experience, many of these third-wave coffee shops, and some retail brands, even offer premium priced super coffees – coffee-based beverages with purported health benefits coming from the addition of coconut oil, protein powder or grass-fed butter. Second-wave coffee titans have taken notice, responding by introducing trendy drinks such as the turmeric latte (available with dairy alternatives such as almond or coconut milk) to rival these high-end third-wave coffee brands. For cold coffee drinkers, cold brew coffee is all the rage. Proudly stocked on retail shelves and listed on most coffee shop menus, it’s become a trendy ready to drink option that’s even finding itself in cocktails. Unlike iced coffee, which is hot coffee poured over ice, cold brew steeps ground coffee in small batches of cold filtered water for a minimum of 15 hours before it’s strained and served. The result is a mellow, naturally sweet-tasting beverage that's free of bitterness, and less acidic than conventional hot-water extractions. An order of cold brew might set you back $5 at your local coffee shop, but it’s relatively easy to make at home for much cheaper. While other brewing methods may require specialty equipment, all you need is a large jar, good coffee, filtered water and time to make cold brew. Simply slot it with your weekly meal planning that’ll not only save you money (https://www.pcfinancial.ca/english/blog/meal-planning-to-save) but also brewing time because it’ll be ready to serve. How to make cold brew What you need: ¼ pound coffee beans (no older than several weeks), coarsely ground 4 cups of cold water, filtered Large jar with lid Large pitcher or container Fine-mesh sieve Cheesecloth Coffee filter Ice Cold water, filtered, to taste or milk, half-and-half cream or dairy alternatives, to taste Directions Place the ground coffee in the jar and add 4 cups of the cold filtered water to it. Gently stir the grounds and water until moistened. Cover the jar. Steep coffee mixture in the refrigerator for 18 to 24 hours. Line a small fine-mesh sieve with cheesecloth and set it over a large pitcher. Slowly pour the coffee concentrate with coffee grounds through the sieve into the pitcher (don’t stir or press on the grounds). Discard the cheesecloth with the solids. Rinse the jar. Line a sieve with coffee filter and set it over the clean jar. Strain the coffee concentrate through the sieve into the jar (don’t stir). Cover the concentrate tightly and keep chilled. To serve: fill a glass with ice. Dilute 1-part coffee concentrate to 1-part water or milk. Enjoy. ","url":"/learning-hub/blog/current-trends-in-coffee","category":"BlogCategory"},"2a7d6371-58b0-5265-9913-5db0b6eb473f":{"page":"10 Ways to Pay Less for Your Kids’ Birthday Parties ","description":"It might be “happy birthday” to the kids, but often, party expenses may not make the parents so happy. A movie outing can be expensive if you add up the cost of a ticket per child - plus the popcorn, drinks, chips, birthday cake, pizza, party room and loot bags. Hire a kids’ entertainer - a clown, a sketch artist, or a magician, and the cost of the party climbs. The costs really begin to ring up if the child’s class is treated to an afternoon at a theme park, with all of the concessions. There are ways to save money on birthday parties that are easy, simple and and most of all, fun. You don’t need to buy pastries or cakes. (Though it could be a time consuming endeavour to go the homemade food route). For example, make your own cupcakes and have the children decorate them. (Plan ahead so you know what your child actually wants/eats, and buy it when it’s on sale). If things happen to cross over dinner-time, host a literal “pizza party” – one where kids can be shown and taught, from start to finish, how to shape the dough, spread sauce, and sprinkle the cheese. For some added giddiness, give each kid a sandwich bag of shredded cheese to toss wherever they want to on the pie. Encourage shapes, designs and even letters! When those home-cooked plain pizzas come out of the oven, have the kids enjoy a buffet of toppings as a fun activity to flavour their own slices. Get some age appropriate craft supplies, and let the kids get creative. Have kids paint birdhouses which they can then bring home, or have them decorate a picture frame. This might be heartbreaking to say: Invite fewer kids. Have the child choose the ones they’re really friends with, instead of everyone in the class. No need for a high-tier venue when a cheaper location can be just as fun. Try a community centre, a public park with splash pad and playground, someone’s backyard, or a condo party room. Loot bags – go simple.Send kids home with something they made at the party, like extra cupcakes that they decorated (see above). Want to skip major food costs? Consider timing: host the party before dinner, or after lunch, so you don't have to serve a meal. Buy things that have reusable leftovers, e.g. solid colour plates and napkins to be used for another party. If storage space is available, purchase sturdy streamers and plastic cups in bulk, as it tends to be a less expensive way to shop. Are you a creative parent? Supermarket cardboard boxes can be cut and taped together to create a piñata in the shape of your child’s favourite animal or character. Cover in coloured paper, fill with candy, et voilà, a gleeful child. This activity alone could carve up a chunk of time in the party at very little cost. Just remember – safety first with this one! For the budget conscious, you can also try having a “drive-in” movie. Grab an old white sheet and tape it to the back of the house, and rent a projector that easily hooks up into your laptop for playing the child’s favourite show or film. Encourage creativity. Two items required: first, those supermarket cardboard boxes (see above). Leave a magnificent supply in the backyard for kids to tape, colour and draw on. The goal - to make a car, playhouse, spaceship, in any way they want. Fun for all, for only the cost of a few supplies. A backyard theme park. Multiple stations means multiple fun: a ring toss with old bottles, a kids’ fuzzy dart board with self-adhering balls, get the ball past the soccer goalie, etc. As a bonus, give out prizes. (Enlist some friends’ parents to reset the activities and help keep things orderly.) Birthday parties don’t need to break the bank to be fun; and most importantly, you are creating great memories.","url":"/learning-hub/blog/kids-birthday-parties","category":"BlogCategory"},"9b82ce2f-31de-52d2-a62d-233df1e93993":{"page":"Get on the Same Money Page as Your Partner ","description":"Finances can be a real sticking point amongst couples, causing stress, disputes and even breakups. As a result, many individuals find talking about money uncomfortable and something to be avoided or even lie about. But when it comes to money, usually honesty really is the best policy. Whether you're with a relatively new or long-time partner, married, engaged or living common law, there’s no better time than now to sit down for a money chat. It can be tough to start the conversation but it’s important to understand how your partner views - and handles - money. Here are six recommendations to get the two of you started talking about finances in your relationship. You’ll discover where your other half stands on money matters and avoid surprises and conflicts down the road. Set up a “money date”: Launching into a serious money discussion with no preparation, notice or context may catch your partner off guard and seem overly critical. Set up a mutually convenient, distraction-free time in advance. Do it early and do it often. Approach talks with a “we” and “us” mindset as opposed to “me” and “you.” Talk about long-term goals: Do you both want children? Would you like to retire at age 55, go back to school, buy a cottage or travel the world? Discussing your dreams and life goals will help determine the strategy you need to put in place to achieve what’s most important to you both Be honest: Be prepared to talk about your current income, spending habits, debt and savings. The discussion won’t go anywhere unless you’re talking about real numbers, not approximations or best guesses. It can be tough but you’ll both be grateful that you had the courage to share such sensitive - and important - information. Discuss household finances: If you’re living together, it’s time to agree on an arrangement for handling budgeting and bills, savings, joint expenses and discretionary spending. If you choose a joint account for all expenses (or just household expenses), how much will each of you contribute, and how often? Will you contribute equally or an amount based on income? When it comes to spending, consider setting a limit above which you must consult each other. And if you have any debt, that’s now a household expense, so it’s time to establish a plan for paying back what’s owed. Don’t ignore the inevitable: Nobody likes talking about death, and it may seem decades away, but it’s too important to put off. Communicate how you want your estate to be divided and share intentions for your final plans with your partner. If you don’t already have them in place, prepare wills and powers of attorney to help avoid red tape and difficult decisions for loved ones down the road or even loss of control over where your money and belongings end up. Working out details may not always be easy or comfortable, but know that help is available if you’re stuck or unsure of your options. Professionals such as a certified financial planner, tax accountant, investment advisor or lawyer that are licensed in your province can offer advice and assistance. Getting on the same money page as your partner is one key to a happy relationship. You’ll have one less secret to keep and gain not only a life partner, but a financial partner too.","url":"/learning-hub/blog/get-on-the-same-money-page-as-your-partner","category":"BlogCategory"},"b4e6d37b-96b7-5d9a-a1e8-7f83dc207994":{"page":"Takin' Care of Business: How to Make Money with Music ","description":"Joni Dylan (not her real name) always dreamed of becoming a folk singer – but then came marriage, a mortgage and her kids. So once her children hit high school, Joni grabbed her guitar and became a licensed busker in Toronto subway stations. It’s not quite show biz, but it’s Joni’s way of expressing her love of music and staying in touch with a dream. Today’s music lovers are lucky. To flex their creative muscles, they can choose from a growing variety of “side hustles” that allow them to both practice their art and make some extra income. While these side hustles may not be as fulfilling as soloing at a concert hall, here are seven fun ways to help turn your musical talent into toonies. Become a busker \nMany cities encourage street musicians, through busker festivals or programs. Those selected may get great exposure and may field requests to play private gigs or offer music lessons. Record your own songs \nToday’s all-digital music business empowers artists who write and record their own music. You can sell self-recorded and produced CDs, promote yourself through websites and social media, and upload your MP3s to multiple music platforms. Most platforms only offer exposure but some will pay you – typically negligible amounts – based on the size of the audience your work attracts. Produce music lessons \nOnline video sharing and streaming services are a popular platform for promoting both your songs and your skills. Offering a few beginners’ lessons online may win you clients who want to learn directly from you based on your talent and personality. Remember to smile! Look for chances to perform at “House Concerts” \nAlmost anyone can sing at an open-mic night in a bar but private house parties offer a setting that’s intimate, exclusive and attentive. The host hires you and invites their extended friends and family, who generally pay a “voluntary contribution” to attend. Artists normally receive the net proceeds after the hosts recoup their expenses. Try your hand at writing songs \nMany competitions come and go, so conduct regular online searches to find local contests. Break into the jingles market \nTo write music for radio and TV commercials, get to know people at local ad agencies, music studios and production companies. They are often asked to provide original music on short notice. If you have any prior commercial music experience, don’t hesitate to offer your services as a freelancer. Be a willing understudy \nLet other musicians know that you are available if their band needs a musician to fill in for sick or absent band members. The pay may not be great but you’ll gain exposure and new contacts. You need to pay your bills and save for the future but that doesn’t mean you have to give up your passions. Music can be in your life forever if you're willing to work hard and play harder. ","url":"/learning-hub/blog/takin-care-of-business-how-to-make-money-with-music","category":"BlogCategory"},"4fdddaa9-8cb7-52c3-b4d6-2ab45c971099":{"page":"Are Your Sleep Habits Affecting Your Finances? ","description":"We all know that money woes can cause you to lose sleep at night but have you considered that lack of sleep may actually contribute to your money problems? A life full of work, family and social commitments can definitely make you feel exhausted at the end of the day. And if you, like many people, find you’re not at your best after one or more poor or short nights of sleep, it’s not a stretch to think that your decision-making skills might be affected, impacting everything from your diet, mood and relationships to your job performance and your spending habits. What does this mean for people who regularly go without enough sleep but who are also trying to make smart decisions about their finances? You may not be able to control some of your daily obligations, but you can take steps to proactively improve your sleep hygiene. Here are a few common suggestions for how to get better sleep: Make it a priority: \n Bump up sleep on your list of prime healthcare concerns, as you might with diet or exercise. If the saying, “what gets measured gets managed” is true, a sleep log can help you track and identify patterns. Plenty of templates are available through a quick online search and tend to ask for such information as sleep and wake times, whether your sleep was disrupted, daily exercise and medications and how you felt in terms of mood and tiredness during waking hours. Consider sharing this information with your doctor to help describe your sleep habits.\n Keep a regular routine: \n It might be tempting after a long week to burn the midnight oil on weekends and then sleep in late, but this only serves to confuse and disrupt your body’s sleep cycles. Try to be consistent with your sleep and wake times seven days a week. Avoid long naps late in the day.\n Reserve your bedroom: \n Keep your bedroom free of distractions like too much noise or light and make it sleep-friendly with comfortable bedding and a temperature conducive to sleep. Save the room for sleeping or intimacy only, not TV, reading, eating or other activities. If you have a pet that’s likely to wake you, consider barring it from the bedroom.\n Wind down: Treat yourself to a regular bedtime routine that relaxes you, perhaps with a warm bath, a favourite book or meditation. Avoid physical or mental stress, heavy foods and stimulants such as caffeine and nicotine before bed, as well as too much alcohol or other liquids. Do you really want your bladder waking you up earlier than planned?\n Unplug:\n Stay away from electronic devices before bed, which may only serve to stimulate you and disrupt sleep. If you’re a nighttime clock-watcher, try turning the clock face away from you.\n Chat with your doctor: If your sleep difficulties are persistent, it may be time to check in with your doctor to rule out or treat potential disorders such as sleep apnea, restless leg syndrome, insomnia or other sleep issues. Getting a good night’s sleep is possible. By following these tips, you’ll be well on your way toward helping improve your sleep habits, enjoying a healthier lifestyle and perhaps protecting yourself from poor financial choices.","url":"/learning-hub/blog/are-your-sleep-habits-affecting-your-finances","category":"BlogCategory"},"62f35c97-3495-531e-9165-cc30e309abbb":{"page":"More Style for Less Money","description":"Looking to build stylish, enviable wardrobes for you and your (growing-too-quickly) family without spending a fortune? Consider these options for how to dress well on a budget: Shop strategically: It takes foresight, but planning your purchases when clothes are most likely to be discounted can save a bundle. Retailers typically slash prices to clear stock from the season that’s ending to make room for the new season’s fashions. Generally speaking, look for spring and summer clothes to go on sale in June or July, and fall and winter stock to go on sale in January, after the holidays. But don’t forget to keep your eyes peeled for clearance racks all year long. The counter strategy may also apply, with retailers slashing prices at times of high demand, such as discounting clothes in August in time for back-to-school, for example. Organize a clothing swap: Not only can swaps save money (what’s better than free?), but they’re a fun way to socialize, and with heaps of used clothing ending up in landfills, it’s environmentally friendly as well. Participants bring their valued but no longer used clothing to exchange with others. The more participants the better, but you’d be surprised at how even those with different body types and sizes can fit into the same items. Set up a full-length mirror, send out the invitations, and you’re ready to host. You may want to offer guidelines, such as limits on quality or sticking to a theme (such as only dresses, or children's clothes, for example). At the end, consider donating any unclaimed items to charity. Try consignment: Earn a few dollars by selling your gently worn clothes through a consignment shop, and save by buying that way too. Note that most consignment shops tend to accept only higher-end, or name-brand used clothing. Mend and make do: Somewhere along the line, society seems to have lost the built-to-last philosophy of our parents and grandparents. Instead of tossing garments that are torn, stained or worn out, consider mending or altering them to give them an extended lease on life. Learn the basics of mending rips, sewing on buttons, hemming, and otherwise altering or embellishing clothes to keep them in the rotation longer. Children and teens in particular may love the one-of-a-kind looks they can create with their old or thrift-shop clothes by adding appliques, stenciled designs, embroidery or other simple embellishments. Create a capsule wardrobe: It’s a concept that stretches back to the 1970’s but has – spending more money on a few “investment pieces” that fit well and will last for years instead of months, creating a compact wardrobe that can be worn often and easily mixes and matches. A capsule wardrobe can help you stay organized and save money, time and closet space, and doesn’t have to be boring – retailers such as Joe Fresh® can help add life to your basics with stylish and affordable seasonal pieces and accessories.","url":"/learning-hub/blog/more-style-for-less-money","category":"BlogCategory"},"d0febc71-2b00-5c5d-91b7-11cc8e63b5ef":{"page":"6 Ideas for a Cheery Holiday with Your Partner ","description":"Everyone knows about the stressors of the holidays—the time and cost of hunting for gifts, festive meal-planning, perhaps even all the fine-tuning necessary to accommodate incoming house guests. The list goes on. In the throes of all these tasks and the dizzying extra commitments, it's important not to neglect spending \"together time\" with your significant other. In fact, it may even be the perfect opportunity to set aside time to show your appreciation for all he or she does during the holiday season. Here are some holiday date ideas that can help you both enjoy the holidays even more: Hot cocoa and holiday movies: When it’s cold outdoors, snuggle in nice and cuddly together and enjoy good times with perennial holiday-themed favourites. Spend a little of the money saved on going out to the movie theatre on mini-marshmallows and sprinkles for the hot cocoa.\n A stroll to see the neighbourhood's holiday home decorations: In the lead-in to the holidays, make a mental note (or even a physical one) of your area's best decorated houses. It can become the \"holiday treasure map\" that you are both following and checking off the list. It can be quite romantic, too. Think of it as the winter equivalent of long walks on the beach: romantic conversation, holding hands, spending time with one another as you both ooh and ahh at the lights. Bonus points if you remember to take selfies/photographs of yourselves next to reindeer, Santa or snowmen. This is a great way to spend a weekend or evening together, without breaking the bank. Build/bake a gingerbread house or make s'mores by the fireplace (you're never too old to have fun): Whether it's a pre-fab kit or a more ambitious (and frugal) recipe from scratch, this is a creative, merry and delicious way for couples to bring out their fun side. Plus, you can each surprise the other by bringing secret ingredients such as gummies, candies, syrups, chocolate chips or caramel corn.\n Sledding: A simple but not-to-be-forgotten favourite that only requires two things: a toboggan and a snowy hill. Okay, maybe a third thing: obligatory arms wrapped around the other person on the way down the slope. It's got all of the elements of a good old-fashioned date. Enjoy romantic, exciting rides and quality time together. Not to mention you get to enjoy the outdoors and your money stays in your wallet!\n A mini-holiday party—just the two of you: If the house is expected to be a bit zany with relatives, don't miss out on a chance to carve out separate special holiday time for yourselves. Whether it's stealing away during an office lunch to meet or planning a late-night dinner, enjoy a \"party\" together with a holiday theme. Pack a turkey loaf, candy canes, maybe a little fruitcake, mini-desserts and even a little bubbly. Since it’s just the two of you, it’s a great way to save money and spend a lot of time together.\n Spending time with your partner is a heartfelt way to say, \"thank you.\" Sometimes, it's the simple things that show love and gratitude. There's no shortage of ways to do that little extra something (and not spend all that much) while still making your significant other really happy. And who knows, maybe these fun holiday activities can become special annual traditions—things you both look forward to doing together as a couple during each holiday season.","url":"/learning-hub/blog/6-ideas-for-a-cheery-holiday","category":"BlogCategory"},"3f5c710d-c63d-57b6-8590-aefee84c8a8a":{"page":"Identity Crisis ","description":"Anyone who has ever misplaced a purse or wallet knows that feeling: a white hot flash of panic as you realize it’s missing. The minor loss is likely the few bucks plus change that was inside. The major problem? You’ve lost critical identification and credit cards, potentially risking your financial security. Identity fraud, in which your personal information is used by an imposter to commit crimes, open accounts or make purchases in your name, happens more often than you might think, even to the most tech-savvy people. Thieves steal information such as names, addresses, phone numbers, social insurance numbers, credit cards and other banking information, driver’s licence numbers, birth certificates and passports. To do it, they might steal your mail, prey on online information, or use devices they’ve installed on a store’s payment processing equipment to read your card’s magnetic strip. And once they’ve taken it, they may have access to your money and may be able to finance spending sprees, open new bank accounts, get loans or lines of credit, redirect your mail, apply for social benefits and even give you a false criminal record. Be a fraudster’s worst enemy – help protect yourself against identity theft using these key fraud prevention tips: Never carry more identification or credit cards with you than absolutely necessary. You rarely need your SIN card, birth certificate or passport while running daily errands or at work. Protect your passwords and PINs. Never share them with others. Shield your PIN from view at the register, don’t pick easily guessed codes (such as birthdates) and strengthen and change them frequently. Memorize them – never write them down. When paying, hang on to your card or, if that’s not possible, keep it within sight. Review your utility bills, bank fees and credit card statements right away. Remember that you can and should challenge any transactions that look unfamiliar. Shred financial documents, pre-approved credit offers and bills before discarding them. Don’t leave your purse open or in plain sight in a car, even if the doors are locked. Recognize the signs of “phishing” – deceptive emails or web pages used to trick users into providing passwords as well as personal or financial information. Often, phishing emails look similar to e-communications sent by legitimate brands. Do not respond to any email requesting personal information, especially banking details or passwords. Deal only with reputable, established companies when making online credit card purchases or banking transactions. If you’re ever unsure, look up the company’s phone number and give them a call to confirm. Don’t just call the number the email provides, if there is one. It could be part of the scam. Never allow a company or institution to use your SIN as an identifier. Don’t give your SIN, bank or credit card information over the phone unless you have verified that the recipient is legitimate. If in doubt, ask callers for written information, references and time to think over any offers. If you’ve called them, make sure the number you dialed comes from a trusted source, such as the number on the back of your credit card or a number you already have, not an unusual email request. Social media is a fun way to connect with family, friends and peers but be cautious about what information you share online. You can even take the next step and remove your birthday and address from your profile. Otherwise, boost your privacy settings so that only your closest friends and family can view this information. Password-protect your mobile devices and turn off the Bluetooth settings when not in use. Keep your mail safe. Arrange for the post office to hold it when you go out of town or ask a trusted family member or friend to pick it up for you. Request and review a copy of your credit report at least once a year to make sure that it is accurate. Canada has two national credit bureaus, Equifax Canada (1-800-465-7166, www.equifax.ca) and TransUnion Canada (1-800-663-9980, www.transunion.ca). If you suspect you’ve been a victim of identity fraud, report it to the police immediately, especially if it involves stolen ID. The Canadian Anti-Fraud Centre ( ) offers up-to-date information and guidance. Report stolen credit cards to issuers immediately and request new cards. Notify your bank if your bank card or cheques were stolen, your local Service Canada office if you believe someone else has used your social insurance number, and Canada Post Postal Security (http://www.canadapost.ca/postalsecurity) if you suspect your mail was stolen. ","url":"/learning-hub/blog/identity-crisis","category":"BlogCategory"},"1933d63b-9192-504d-a571-4d6ffb9f8098":{"page":"Revival of the Potluck Feast","description":"Potlucks might conjure images of poorly organized meals where everyone’s brought the same pasta salad. But thanks to their budget savvy nature, potlucks have become en vogue once again. Not only do they alleviate the stress of hosting a gathering by not leaving any one person with too much to do, but in this day of dietary restrictions and food sensitivities, participants are able to bring at least one thing they know they can eat. Besides introducing guests to a variety of foods that might be homemade or outside their normal repertoire, potlucks are inclusive opportunities that might even help boost the confidence of budding cooks looking for feedback on their creations. Hosting a potluck successfully does entail a number of considerations. Here’s a potluck checklist for both the host and the guests, to ensure the simple gathering runs smoothly. For the Host: Have a loose plan. Potlucks are great opportunities to explore a theme, perhaps with recipes from a cookbook or a lesser-known cuisine. If the group is large, though, abandon the theme and cater to the group’s general needs. Set up an email, online document or physical sign-up list and be open to make adjustments or make alternative recommendations to guests so you don’t end up with 10 pasta salads. Ask attendees to bring only enough food to serve half the group since there will be many dishes to sample. Remind guests to indicate their dietary limitations, food allergies or other sensitivities (such as trigger foods). Remember to include both alcoholic and non-alcoholic beverages. Don’t forget the ice. Be considerate of your guests’ cooking abilities and budgets if you end up assigning any unclaimed courses, drinks or basics like disposable dishware and cutlery. Plan a relatively balanced list of food categories, including finger foods like fruit and crudité platters that can be left out for guests to snack on, as well as starters and salads, mains, sides, starches and desserts. Note and make room for dishes that need to be warmed or finished in the oven or stove before they’re served. Plan which dishes need to stay in the refrigerator or freezer until service. Whether disposable or reusable, make sure there are enough utensils and dishware for guests to eat with. Have towels or paper napkins available for use or to clean up potential spills. Consider your surroundings. If hosting outdoors, make sure there are covers for the dishes of food to prevent any uninvited visitors from buzzing their way into the potato salad. If hosting indoors, make sure there’s enough room and seats for guests, especially those who might have limited mobility. Plan to have guests eat close to the start of the gathering, saving desserts for later. That way, straggling guests will still have something to munch on when they arrive, and guests needing to leave early will have had a chance to eat. Offer guests take-away containers (or encourage them to bring their own) to take any leftovers, both preventing food waste and making for a great second meal. Have fun and relax. Despite having a general plan or having made suggestions, if a guest is keen to bring a signature dish that might not go with the party’s theme, just go with it. Check out these additional tips and tricks to entertain guests on a budget: https://www.pcfinancial.ca/english/blog/entertaining-on-a-budget For the Guest: Bring everything that’s needed for your dish, whether it’s salt to season, green onions to garnish, or utensils to serve your finished contribution. Get all your supplies at your local Loblaw banner store, and you could earn PC Optimum points while you’re at it! Think of foods that are easy to scoop onto a plate since mingling guests could be eating while standing. Try to avoid soup or stews (unless it's something that could be served in a cup) and things that require cutting before eating or that are difficult to cut (a workaround is to have everything pre-sliced for ease of sampling). If in doubt, opt to make a vegetarian dish like a brightly flavoured grain or bean salad. Given the popularity of hearty or comfort-driven dishes at most potlucks, bringing something crisp, vibrant or refreshing is a welcomed addition. Just leave the dressing on the side to avoid serving wilted leafy greens. Avoid giving fellow eaters a foodborne illness by preparing food in a clean area and using separate cutting boards and utensils for raw versus cooked meats. This will help to prevent cross-contamination. Make sure that poultry is cooked to the proper internal temperature (measured using a food thermometer in the thickest part of the meat). When transporting food, keep cold foods in a cooler with ice or gel packs, and hot foods wrapped in insulated bags or towels. ","url":"/learning-hub/blog/revival-of-the-potluck-feast","category":"BlogCategory"},"2a54b2f7-5808-59ec-9b72-c6711dd3278d":{"page":"10 Simple Ways to Save Time ","description":"What would you do with a little extra time in your day? Earn more money? Spend it on personal interests and hobbies? Enjoy more downtime with family? Whatever your version of a richer life might be, freeing up time can help you achieve it. And while we haven’t figured out how to stop the clock (yet), we can offer these time-saving tips and strategies to help you become more productive, reduce stress and get more of what you want. Consolidate Tasks Multitasking may sound like a great idea, but frequently switching your attention may often take more time and energy than focusing on one thing at a time. Rather than answering emails throughout your day, for example, designate a block of time to get it done all at once. The same goes for returning phone calls, completing household chores, filing paperwork or any other task that might divide your attention. Use a timer if necessary and stick to the schedule: having a time constraint may help you be more efficient. Eliminate Distractions Disconnect from time drains like social media, gaming and watching TV when you need to focus. Lock the door if you must and get down to it! Keep Lists Making to-do and shopping lists can save you time, effort and money! Whether your list is paper-based or digital, keep it updated and take it with you in case you find yourself with a few extra minutes to accomplish a task. Try to cross difficult items off your list first so that you can address them while you’re fresh. You’ll move on afterwards with a clearer mind. Leverage Online Services Make errands fit your schedule and save time by seeking out online apps for retailers and services that you use regularly, such as managing your credit card, gift buying and grocery shopping (using helpful services such as PC Express). Similarly, consider telecommuting for work, saving you and your employer time and money. Stay Healthy Get enough sleep, water, exercise and healthy food so you’ll have more focus and energy to help get you through your day without feeling sluggish or lazy. Taking stress breaks to stretch or meditate is not a waste of time, as it can help you be more productive when you return to the job at hand. Stay Organized Clean up clutter and designate a “home” for everything, and you’ll eliminate hunting for (or replacing) misplaced items, thus saving time and money! Store items close to where they’ll be used to help streamline daily tasks. Handle things as few times as possible: Don’t let junk mail collect on your counter, for example; toss it as soon as it crosses your threshold. Plan Ahead Throwing things together at the last minute is rarely effective. Prepare as much as you can the night before by making lunches, setting the coffee timer and prepping the next day’s breakfast, clothes and plan of action. Keep separate laundry bins for darks and lights so clothes are pre-sorted for you. Save money and time, by developing a meal-planning strategy and employing batch-cooking once a week or month. Shop for birthday or holiday gifts throughout the year when they’re on sale, not at the eleventh hour. Delegate Whether you’re at work or at home, learn to let go of tasks and hand them to someone else to free up your time. Consider hiring someone to help you out. It’s all about cost-effectiveness—if it costs less to pay someone to do a job than the value of your time spent doing other things, it’s worthwhile. Optimize Waiting Time Find useful ways to spend time waiting in doctor’s offices, commuting or during any other downtime. Can you sort mail? Check which pens and markers still work? Write thank you notes? Listen to audio books? Review your to-do list? You’ll be surprised what you can accomplish in these nooks and crannies of your day. Learn to Say No Of all the ways to save time (and money), this is often the hardest but most important. Don’t let a desire to please or impress others let you become overbooked and overwhelmed. Prioritize and cut back on your commitments instead.","url":"/learning-hub/blog/10-simple-ways-to-save-time","category":"BlogCategory"},"4b495d3d-a794-5fe9-a1f4-fb4a4d5c1a64":{"page":"Decorating Your Home on a Budget","description":"Your home is your sanctuary and decorating it to suit your style doesn’t need to cost a fortune. Whether you reuse the furniture you already have, repurpose second-hand finds or make your own accessories, these DIY home décor ideas and cost-saving tricks will help you build an affordable space that you won't ever want to leave again. Purge and Repurpose Before decorating - sell, donate or give away extraneous items. Then see if any of your leftover pieces can be used in new ways. A wooden chair could become a side table, a trunk could turn into a coffee table or a bookshelf with lower cabinets could make a pretty cocktail bar. Paint an Accent Wall or Door Nothing freshens up a room like a fresh coat of paint, but multiple cans can be expensive. Rather than painting every wall, door and piece of trim in your abode, pick and choose accent walls and doors that could use a pop of colour. Reupholster your Couch or Armchairs There's no need to buy a new sofa and chairs. Instead, reupholster the pieces you already own to give them new life. And if you're starting from scratch and don't have any furniture, try to find second-hand or sale items with stylish shapes and reupholster them with fabrics that suit your tastes. Refurbish Second-Hand Pieces It might only take paint and new hardware to turn a tired desk or sideboard into a star piece in your collection. Vintage items can also be used in creative ways: think stacked wood crates as bookshelves or an old door on its side as a headboard—and those are just a few home decorating ideas on a budget. Frame Pages from Art Books or Calendars Clipping images from old cards, vintage magazines and artsy calendars can be an affordable way to accumulate prints for your walls. Create a gallery wall with multiple pieces clustered in a group to fill up larger spaces. Get Creative with Accents Make your own stationary drapery panels (rather than full drapes) to add a bit of texture to a room with minimal fabric. Fake a cozy fireplace with a tray of candles or place flowers in mason jars. There are tons of tips for how to decorate your home, whether you go to your local craft shop for ideas or peruse crafting sites online. Redeem your Points Use points that you've earned with your credit card to help buy essentials for your home. For example, PC Optimum points earned with a PC Financial MasterCard can be redeemed† for décor and other items at Loblaw banner stores such as Loblaws, Real Canadian Superstore and Shoppers Drug Mart. Don't Rush Rather than spending your budget on finds that you'll want to replace in two months, collect items over time that you actually love. It might mean that your home will take longer to complete, but every piece will feel personalized and have meaning.","url":"/learning-hub/blog/decorating-your-home-on-a-budget","category":"BlogCategory"},"5ffdbd7f-f18e-54b5-8e80-2c5d0107d513":{"page":"Should You Get a Pet?","description":"Just imagine it: the excitement, the tears of joy, the children's hugs and hours of snuggles when you bring home a much-wished-for, cute-as-heck, brand new animal friend. Your new pet, whether it's got fur, feathers or even scales, is bound to create rewarding memories and become a beloved family member. But… Consider the full impact on your family before making what could be up to 20 years (or more) of commitment to caring for a pet's well-being. Taking care of a pet involves more than time and love. Failing to plan your finances could result in your pet suffering from inadequate care or you having to give it up. Are you wondering, \"Can I afford a dog or cat?\" Chat with a vet for information about the expected monthly or yearly costs you should consider, and calculate the cost over the typical lifetime of a cat or dog. The estimate will vary widely depending on the particular species, breed and age of your prospective pet, or even depending on the area where you live. Once you know the costs, be frank with yourself and everyone you live with about the bottom line. If your budget is already stretched, now might not be the best time to bring a pet into the family, especially a puppy or kitten, which tend to have more expenses in their first year of life. Besides the cost of acquisition, up-front costs may include spaying or neutering, deworming, vaccinations, microchipping and municipal licensing. There's equipment such as a crate, collar and leash, litter box, food and water dishes, toys and other items like scratching posts or dog training to also consider. On an ongoing basis, you'll need to budget for food and treats, vet check-ups, grooming, dog-walking and boarding fees, and medications such as flea, tick and heartworm control. If a dog or cat isn't feasible but you still want a little (and typically more affordable) creature to love, consider scaling back to a rabbit, hamster, guinea pig or perhaps a bird or fish. Of course, you must also research the non-financial requirements of your chosen species and breed. Consider your lifestyle: How much space, time and energy do you have to devote to a pet? Are you typically home or do you travel frequently? Are allergies involved? Are you looking for just companionship or are you hoping for a working or show animal? Will the kids *really* follow through on their promises to care for the animal? If you decide that the rewards of pet ownership outweigh the financial obligations, but still need to watch your wallet, here are seven tips for saving on pet expenses: Adopt: Getting your new friend through a rescue program or shelter can drop acquisition costs from potentially thousands to a few hundred for a dog or less for a cat. Plus, the costs to spay or neuter, initial vaccinations and examination, deworming and microchipping expenses are often included in the adoption fee. Pay attention to breed: Particularly with dogs, size is money, since large breeds eat more food and may have higher medical bills. High-energy breeds may require dog-walking or daycare services if nobody is home to care for them for long stretches of time. \"Fluffier\" breeds will likely need more grooming services. Compare vets: Shop around for veterinary services. You should not only look for a compassionate professional that you feel comfortable with but also compare pricing for average visits and emergency care. Referrals from friends and family can be helpful. Shop smart: Find wholesalers or retailers who sell pet food in bulk, especially if you have a large dog, for instance, who eats a ton. Clip coupons, shop on sale and take advantage of frequent-buyer cards for your preferred food brand. Brush your pet's teeth: This can save money on dental issues down the line. Bargain hunt: Search out deals on used toys, crates and other equipment at garage sales or online (making sure to sanitize purchases before using them); make homemade toys and treats. ","url":"/learning-hub/blog/should-you-get-a-pet","category":"BlogCategory"},"e6c7a4da-762e-5ebd-a177-18fa794cde4e":{"page":"How to Shake Off Screen Time During March Break","description":"We've all heard the buzz about the toll that too much screen time takes on children's physical, social and academic development. But while it's easy for experts to say \"limit screen time,\" it's harder to come up with affordable replacement activities, especially on lazy holidays away from school. We're here to help with a few of the best March break ideas for families on a budget. Get Their Energy Out(side) Encourage physical activity by kicking them out! Have them take your dog for a walk (or borrow someone else's) or teach your pet a trick. Go for a family hike or play a game of catch, even in the snow. Have them build a backyard obstacle course and hold time trials. Host a dance party (perhaps introduce them to some of the music you listened to at their age). Visit friends, neighbours or family. Engage Their Brains One of the best places to go on March Break is your local library. In addition to housing actual books, they typically hold great free programs for children (and adults). Turn your kitchen into a home laboratory and create some cool science experiments. Invent a secret code. Fill a time capsule. Build a card house. Check for free admission days at local museums and attractions. Encourage them to take a cooking class or pick up a new skill such as origami, painting or playing an instrument. Check out your local community theatre, where they can get involved or see a show without breaking the bank. Haul out old family photo albums. Visit a friend or family member with a special talent, hobby or interesting job. Change the World Volunteer as a family at your local humane society, food bank, senior's centre or other worthy organization. Collect donations of clothing, small appliances or household items to give to a charity thrift store. Introduce them to performing random acts of kindness. Have them write a letter to your local newspaper or government representative about an issue that matters to them. Be Productive Get them to clean their room (gasp!) or the pantry, fridge, drawers and closets. Have them help with chores ranging from matching socks to washing baseboards. Look for lost change in the couch. Sort and donate old toys. Have them help plan this year's garden. Pit Them against Each Other (Not really. But kind of.) Crack out classic board games and challenges and expand games into tournaments. Encourage them to make a trophy or medals to hand out. Remember all those unplugged games you used to enjoy? Chances are they'll like them too. Make paper airplanes, play ping pong, have a family game night with charades or bingo, , play hangman, have scavenger hunts, or hide and seek … and the list goes on. Let these ideas inspire you and your children during your spring break, and you'll have no problem keeping them from going stir-crazy without relying on TV or devices, and without breaking the bank. Find more entertaining ideas to thrill your kids on the cheap.","url":"/learning-hub/blog/how-to-shake-off-screen-time-during-march-break","category":"BlogCategory"},"27f50ee7-a295-559d-b698-5bc28af0471c":{"page":"6 Ways to Spend Less on Your Family Ski Trip","description":"You've likely searched online for \"how much are ski trips?\" and know they're not cheap. But it is possible to make memories and tucker out the family without spending every last dollar of your savings. With a little planning, winter family vacations on the slopes can come in under budget and still be packed with fun activities, gorgeous scenery and plenty of bonding time for you and your children. When a winter staycation just isn't in the cards, use these tips for spending less. Book Early and Be Flexible Wondering how to budget for a ski trip? Start by gauging the cost of your flights, accommodations and lift tickets. When it comes to resort packages (which may bundle hotels with lift passes), booking ahead could mean big savings. Early-bird deals at resorts often appear online by mid-summer for the following winter, so sign up for email alerts and get cracking on your vacation plans. Early and late in the season are also the most affordable times to ski and snowboard, so try to book your trip for November, December or April and be open to flying mid-week, as those flights tend to be cheapest. Try Smaller Resorts Sure, it's fun to say you visited one of the top ten ski resorts in North America, but if staying in under budget matters even more, consider skiing a nearby but lesser-known mountain. Regularly frequented by locals, these spots may have fewer amenities but offer similar scenery and challenging runs for a fraction of the price. Your budget-friendly family trip will be that much closer. Purchase Half-Day Lift Tickets If your family tires easily and you plan on hitting the slopes for only three or four hours each day, don't pay full price for an entire day of skiing. Instead, spend the morning in the hot tub, snow tubing, snowshoeing or enjoying any number of other activities, then buy your tickets for the second half of the day and ski until the lifts close. Rent Equipment (Off-Mountain, If You Can) Unless your family skis frequently and for many days at a time, it's not worth it to purchase skis, boots and poles, then pay baggage fees to fly your equipment to every new ski hill. Instead, rent the whole package for a few days once you reach your destination. On-site rentals are priced at a premium, so find a gear shop before you get to the mountain if you'll be passing through a nearby town. Pack According to a Well-Planned List Nothing can throw a budget off-track like forgetting snow pants or a pair of mittens—both of which are expensive when purchased at the last minute at a ski resort. Make a detailed list ahead of time and stick to it for every member of the family, remembering to include extra socks, base layers and masks if the weather looks chilly. Borrow whatever you can from friends and stock up on affordable pieces such as puffer vests, leggings and turtlenecks for the entire family at joefresh.com. Bring Your Own Food Though you'll likely want to eat out a few times on your trip, you can save significant cash by bringing your own bottled drinks, pre-packaged snacks and lunches on your day excursions. If you have a kitchenette in your hotel room or condo, use it to make sandwiches and bring them in a cooler bag that you can stash in your storage locker while out on the mountain.","url":"/learning-hub/blog/ways-to-spend-less-on-family-ski-trip","category":"BlogCategory"},"09a93dcc-525d-5fcb-b56f-516f8262d889":{"page":"Too Much Stuff, Too Little Room","description":"Where did all of these things and possessions we own suddenly come from? Stuff over time just accumulates—and accumulates—and before you know it, all spare nooks and crannies have been filled. And now, with the holiday season upon us, even more space is needed to tuck away the gifts you've bought—and later, the gifts you may receive. But not to worry: there are many creative (and affordable) storage ideas. Here are a few storage hacks that will give you back your space, have you start thinking outside of the box, all without forcing you to spend money on an off-site storage unit. If you're a do-it-yourselfer, do some research online for great small storage solutions, and then build it yourself. Purchase any needed materials, and locate an online article that provides building instructions. It means more room in your home office, living room or kitchen without the cost of a store-bought unit. Reuse everyday items for storage. Use adhesive hooks on your closet door to hang tote bags or knapsacks filled with shoes. Et voilà! An instant budget-friendly space-saver that didn’t cost a lot. Find items that do double duty. Making one bigger purchase to accomplish two jobs is a good way to save space. For instance, use a mudroom bench with hidden storage. It's a piece of furniture to sit on in your home's entryway when people are taking off their shoes, a place to drop a coat or bag, and it’s also a place to store extra hats and mitts. Use all the space. This means making use of those hard to reach spots on top of bookshelves, or under the bed storage. Tucking out of season clothing out of the way in clear containers will free up some space and make things less cluttered. Make the most of vertical storage. Hanging hooks is the fastest way to help with the items you can’t find a home for. Scarves or bags can be easily looped over a hook in the hallway, and belts and ties stored on a hook in the bedroom. Putting shelves on the walls in living spaces for displaying pictures, candles, and plants frees up space on other flat surfaces. If all else fails, declutter. Make it part of your regular cleaning schedule to collect any clothing items you no longer wear, any books you’ve read and want to pass on, or kitchen items you simply don’t use anymore. Have a box specifically for that purpose and then donate to your local charity of choice. Be creative with simple ideas like these and you can save space, Indeed, you don’t have to spend out of pocket for elaborate storage units, worry about having to build an extension to the house to fit everything, and more importantly, eject items that you'd like to hold on to for a little while longer. It's definitely doable to get creative with storage ideas for small spaces on a budget.","url":"/learning-hub/blog/too-much-stuff-too-little-room","category":"BlogCategory"},"b38e1338-e743-5d43-9b88-c8606ca6fbb5":{"page":"Get Your Craft On","description":"Fostering creativity in our children is something most parents strive for. But if you don't feel crafty yourself, how can you infuse them with that spirit? Here are five categories of easy and inexpensive crafts that are great options for what to do on a school PA day (sometimes known as a PD day), rainy weekends or other holidays. Even if you are generally a non-crafter, these ideas are sure-fire ways to help you help your children unleash their inner crafter. Crafts with String/Yarn • String art: Tap small nails into a wooden board and let your kids go crazy wrapping them with string or yarn to make shapes, letters or just abstract art. • Jewellery making: Make knotted, braided or beaded bracelets, headbands, necklaces and more. • Pom-poms: Once they learn the simple wrap-and-tie technique for making pom-poms (you can find instructions for making them on the Internet), there will be no stopping them. Make garlands, wreaths or other decorations, or add googly eyes and bits of felt to create pom-pom animals. Crafts with Cardboard • Props and costumes: You may have to supervise the use of scissors, but cardboard has no limits when it comes to a child's imagination. Add duct tape and it can become anything from masks, swords and shields to restaurant or theatre backdrops, cars, rocket ships or boats. • Develop a hamster maze. • Create a marble run with empty paper-towel and toilet-paper tubes. Crafts with Paper • Papier-mâché: Make paste by mixing flour with water and then cover an inflated balloon with torn-up newspaper pasted on in layers. When dry, pop the balloon and paint it up! • Make and decorate bookmarks. • Cut out paper doll shapes and \"dress\" them with clothes and accessories cut from newspapers and magazines. • Fold tissue paper flowers. Crafts with Food • Make homemade salt dough ornaments: The dough requires only flour, salt and water. Just shape, bake, and paint! • Prepare homemade bird feeders with seeds and peanut butter. • Glue pasta together to make shapes, people and animals, or string together macaroni necklaces. • Build structures with marshmallows and toothpicks. • Make potato prints by carving shapes into a halved potato, dipping it in paint and stamping it onto paper. Crafts with Found Objects • Melted crayon art: This craft is better suited for older children because it involves heat and a potential splattery mess. Hot-glue crayons side-by-side onto the top edge of a canvas then tilt it and heat the crayons with a hair dryer until they melt down the canvas. • Decorate picture frames with stickers, small stones, sequins, feathers, shells or other small objects. • Paint canning jars. • Create colourful pictures using glued-down buttons. • Add pipe cleaners to the centre of coffee filters painted with water colours to make beautiful spring flowers. • Cover unattractive binders using fabric remnants (such as strips of cloth from old clothes) and hot glue. More detailed instructions for these crafts (and many more) are easily found online, and your local Loblaws store can help provide many of the supplies you'll need to get started. Let's get crafting!","url":"/learning-hub/blog/get-your-craft-on","category":"BlogCategory"},"892e6e15-1953-5cf3-9a18-67b0c2bef56e":{"page":"8 Clutter Buster Ideas","description":"You don't need to hire an expensive decorator, a professional organizer, or a junk removal company to reduce clutter at home. Here are 8 strategies for controlling the \"stuff\" we all have. Download an app to save pictures of children's school artwork, instead of letting all the actual artwork pile up. Have your VHS tapes or DVDs made digital, and store the data in the cloud. In a similar vein, scan tax paperwork (receipts, invoices, bills and the like) and plop them in the cloud as well. (Then don't forget to shred the hard copies and make sure to backup your data as a precaution.) The old and stale must go: Same with the spice cabinet: find yourself with no recollection of when you bought it or used it last? Maybe it's destined for the compost site. If there's old makeup that you never use, or is past its prime, perhaps it's time it ended up in the cosmetic equivalent of the afterlife. And we know you love that killer band fan shirt you bought back in high school, with all its emotional attachments, but if it's a clothing item that has dust on it dating back two decades, it's time to re-evaluate its purpose in life. Consider reincarnating it as a retro knee-length pajama top for your (or a relative’s') young child, or poke it in the closet for later use as a disposable clean-up cloth. (It's tough to let go, yes, but at least it'll have some productive use). 4. \tRein in what your children own. All of those party toys and loot bag trinkets that are played with for a few hours and then abandoned? Have a \"toy deadline\" for items such as these that are deserted or forsaken in a corner, and not used after a week. Toss 'em! Keep the status quo with new items: donate an old toy or game each time a child gets a new one. 5. \tBorrow books from the library or swap with friends instead of buying new. Or invest in an e-reader to save space on books. 6. \tMake an online folder of recipes from recipe-sharing sites on the Internet instead of buying cookbooks. Alternatively, snap pictures of your favourite recipes in cookbook pages, store the photos on your computer, and later donate the books. 7. \tRent power tools, a lawnmower or a snowblower that you use infrequently, or share with a neighbour. It’s the modern day equivalent of borrowing a cup of sugar. 8. \tReduce fridge clutter by keeping all the food that needs to be eaten sooner in one area so it will be noticed first. To cure clutter in chest freezers, keep a list of the contents taped to the front to encourage you to eat what you have, instead of accidentally buying duplicates. As a bonus, know how to handle Henri—your Handy Everyday Nook/Receptacle for Incidentals. Henri is where you might keep instruction manuals, chargers, extra wires, receipts and so on. Everyone has one (or two, or ten) of these, but comparatively few people know that decluttering is as much about the how, as the what. That's why great clutter buster ideas have to include separating each of those wires, bundling each one tight with elastics, and putting them into small bags or containers that are clearly marked. As for instruction manuals, if they're antiquated, toss them; if they're bilingual, shred the pages with the language you don’t need. And keep only the receipts you need in an envelope (only one!). Try these few easy-to-follow habits, and you'll be on your way to being an expert clutter buster!\n","url":"/learning-hub/blog/8-cluster-buster-ideas","category":"BlogCategory"},"0c163e04-38d2-5cc8-8a23-ba3bfa3bf905":{"page":"6 All Natural Home Remedies ","description":"With winter comes the inevitability of fighting the sniffles, congestion, and aches and pains that go hand in hand with the changing weather. At some point, that bug will eventually latch on—be it from a room full of colleagues or children, or riding public transit. While it is difficult to prevent your exposure to nasty germs, the good news is there is no need to always empty your wallet on over-the-counter medications as soon as you feel sick. Here are some old-fashioned ways to find comfort during cold and flu season. 1. Chicken soup. While it may be time consuming to boil a pot for two to three hours, the from-scratch version is a great way to go. Be sure to include chicken for the protein fix, and carrots, parsnip slices, a bulb of garlic, chunks of onion and spices to taste. The ensuing warmth, nutrition and hydration will all help with the feel-goods (especially when your appetite for solid food is kind of iffy). 2. Finding comfort when you’ve got a cough or cold can be as simple as three ingredients: A cup of hot water, honey and a squeeze of lemon. Honey has a soothing effect and drops of lemon add a nice taste. 3. Try baked garlic. It contains few calories, is rich with antioxidants and nutrition, and is cheap to purchase.. 4. Tea time. Remember when mom plied you with a hot mug of tea on those days you were curled up under your blankets, feeling like a freight train was running through your head? She was on to something. Drink up that cuppa tea after adding honey to help ease your irritated throat. 5. Ever tried a fruit smoothie when you’re not feeling well? It is happiness in a cup. Whether made with fresh fruit or frozen, blend it together with some yogurt and voilà—sweet taste and a bonus infusion of vitamins. 6. Nothing captures the warmth of comfort food like a tasty bowl of freshly mashed potatoes. Potatoes contain vitamin C, magnesium, and potassium. Other advantages are that most people find them easy to digest and they are simple to prepare. And did we mention cheap? These quick home remedies are easy to prepare, and, best of all, will leave you feeling comforted and your wallet feeling fine. Don’t lose sleep about staying healthy this winter season. ","url":"/learning-hub/blog/all-natural-home-remedies","category":"BlogCategory"},"460c1eda-66bc-57b6-af7e-a23e3f18c314":{"page":"15 Cost-Effective Ways to Keep Your Kids Entertained This Summer","description":"Your kids could be home for all of July and August, twiddling their thumbs and complaining to you about having nothing to do. Or you could have a list of kids’ activities ready to keep them entertained and off their devices. Here are 15 things to do with kids, from the classics to the creative, with sure fire hits that will keep everyone happy. Try putting each idea on a strip of paper in a jar for the kids to reach for when they’re bored. 1. Pack a picnic Instead of eating lunch at the kitchen table, get the children to make their own sandwiches and help pack a lunch that can be eaten in the backyard or in a nearby park after a bike ride. Stock up on fresh produce, meats, breads and President’s Choice® brand snacks from a nearby Loblaw banner store. 2. Take a hike There may be parks, ravines and hiking trails in your area that you didn’t even know existed. Bring your bikes or lace up your runners and explore your city with the young ones in tow. 3. Camp in the backyard Pitch a tent (or even string up a few sheets) in the backyard and do a little stargazing. If you can’t see the stars, an evening of outdoor snacks, singing songs and making shadow puppets with flashlights should be more than enough to keep them happy. 4. Draw on the sidewalk with chalk Find a patch of pavement and go to town. 5. Bake cookies or make a pizza Any kind of food prep that requires plenty of assembly is great for kids, whether that means baking a batch of cookies and decorating them with icing and sprinkles, playing pizza shop for the night or making a popcorn or ice cream sundae bar. 6. Walk, brush and play with the family dog If the kids begged for a family pet but you did most of the walking and feeding once it arrived, the summer months are the perfect time for them to take on a little responsibility. If they’re old enough, they can teach it tricks, give it an outdoor bath, take the dog for a walk or play fetch. 7. Take a tour of a nearby factory or child-friendly museum Do a quick internet search of the factories, museums and monuments in your area—especially anything that’s free on certain days of the week or month or deeply discounted for kids under 12. There might be events, tours and fun activities for kids on their calendars. 8. Find a pen pal Have each child choose a friend or family member who lives in another province or country and get them to exchange weekly drawings, pictures and little presents like bookmarks or stickers. 9. Wash the car Give the children small jobs around the house. If age appropriate, have them water the flowers, wash the car or bikes, help paint the fence or help with yard work. 10. Host a neighbourhood potluck Whip up a dish using President’s Choice brand ingredients and get to know your neighbours while helping your children make new friends (if they don’t already know the local kids). If you have a group of parents in your area, you can take turns watching the little ones—and giving yourself extra time for your own to-do list. 11. Paint rocks, pots, T-shirts and moreSet up a craft bin or corner that kids can access when they’re feeling creative. If they need a little more structure, pick up specific items they can decorate, such as boxes, rocks, T-shirts, flower pots and more. 12. Check out free programming at your library They’re not just for borrowing books (although that’s a fun activity in itself)! Many libraries feature kids’ activities in their weekly programming, such as story time, crafting, puppet shows and more. 13. Watch free movies in the park Keep an eye on your community listings for free events in your local park—from movies and music to children’s festivals, dog breed get-togethers and other fun things to do with kids. 14. Do good It’s never too early to teach your children about helping others and the planet. Sign up to visit the elderly in nursing homes, volunteer at a food drive or shelter or even pick up trash in your neighbourhood. 15. Set reading goals If you have a family of young readers, they’ll likely never need more than a stack of books for entertainment. But if getting your kids to crack a book is a never-ending battle, help them set goals with tangible rewards and see if they can learn to love—or at least tolerate—reading.","url":"/learning-hub/blog/15-ways-to-keep-kids-entertained","category":"BlogCategory"},"09ed3681-8827-522a-8f7f-e15b935dea58":{"page":"No Pool? No Problem","description":"Not everyone can afford a cottage or backyard pool to help themselves chill out on summer's hottest days. Here are 5 fun and inexpensive ways for you and your children to beat the summer heat with water play that doesn't require owning a swimming pool: • Throw a car wash party: Depending on the age of participants, this might involve full-size vehicles or scaled-down toy cars and trucks. Heck, if you're up to the challenge, why not invite your neighbours or charge passers-by? Older youths might earn a bit of change, and you'll end up with a sparkling ride. Don't forget the tunes! • Set up a water table: All you need is a plastic tub or basin filled with water to inspire young imaginations. The addition of toys and accessories can turn your setup into a gourmet kitchen, laundromat, doll beach, construction zone or deep-sea adventure. Try placing a rain gutter, tube or pipe between two basins set at different heights for a fun lesson in gravity and fluid mechanics. • Host a \"Splash Olympics\": Whether it's a test of finesse in a water balloon toss or a no-holds-barred water balloon fight or water war with buckets and hoses, participants of all ages can get involved in outdoor water games. Suggestions for fun competition ideas can be found online by the dozen, but some include water balloon baseball or dodgeball, a wet sponge toss, water relays involving transferring water to a bucket with smaller cups, kiddie pool \"fishing,\" or bobbing for apples. Other ideas include freezing small toys in blocks of ice to see who can \"excavate\" them first or creating a slippery tarp wit ha bit of dish soap water. . Don't forget to provide plenty of water to drink, especially if everyone is running around on a hot day. • Bring out \"Ye Olde Sprinkler\": Running through a sprinkler set up in the yard is a time-honoured tradition for many youngsters. If you don't have one, you can fashion one from a water bottle that's been punched with holes and taped securely to the end of a hose. If you're handy, kick it up a notch by fashioning a sprinkler frame made from PVC pipes for kids to run under. • Outsource the water: Check into what local facilities are available for helping you and the kids to cool down. There may be a public beach nearby, river float opportunities, a local pool with family swim times at minimal cost, or community splash pads where you can get a fun dousing for free. Click here or here for some \"less wet\" suggestions for keeping children occupied and having fun all summer long.\n\n","url":"/learning-hub/blog/no-pool-no-problem","category":"BlogCategory"},"f322aa9f-c952-5665-8010-5b1fd923367a":{"page":"How to Throw a Summer Mocktail Party on a Budget","description":"The Rise of the Mocktail might sound like a straight-to-video B-movie horror flick, but the trend is very much on the rise. Bars and brands are striving to popularize non-alcoholic cocktails and drink mixes. You can hop on this trend this summer by creating, and enjoying, your very own custom-made beverages. Think of the fantastic opportunities to entertain guests with low-cost summer drinks. Quite refreshing in the outdoors, too, as the weather gets warmer. Here are a few basic (and economical) infusion recipes to make your own drinks at home: You can’t go wrong with the old stand-by of chilled seltzer with sliced lemons, limes and oranges. Kick it up a notch by including other in-season fruits: Toss in a pureed kiwi, near-ripe pear for tartness, or pureed cantaloupe for the wow factor. Iced tea can be versatile, too. Add some ice cubes and drop fresh blueberries or strawberry slices on top as a garnish. (This might seem obvious, but many forget that added touch.) For extra panache, include mint leaves, chopped banana or a cinnamon stick. Get a little fancier by making iced green tea and some PC® Organics Pure Honey . There is a huge variety of flavour clover, manuka, sourwood, buckwheat, rosemary, dandelion, sage, eucalyptus or acacia —the list goes on, and each has a unique flavouring. There’s a honey for every budget and many can be found at your local grocery store. You can regale guests with how you’ve decided to try a new kind of honey, and elicit their thoughts on the taste. You can also concoct a fab mock-Caesar without spending much money on ingredients. Just grab some tomato juice, a couple of drops of spicy sauce (or dry spice) that you might already have in the fridge, a few pinches of black pepper and garnish with a lime wedge and celery stalk. Easy-peasy. If you have a food processor or similar kitchen appliance, try blending seedless watermelon in with lemonade, adding some crushed ice to chill. Or grab any variety of PC®brand frozen juice, blend in pureed mango or papaya, and you have all kinds of happiness in a jug. Smoothies aren’t just for breakfast—your guests will love strawberries blended with frozen yogurt, topped with fresh fruit and milk. The fun is found in inventing your own unique twists on these drinks. When guests ask what’s in them, you can not only dazzle them with your creativity, but impress them with the catchy name you’ve come up with for your hip new beverage. Sit on the porch and sip these refreshing cocktails or offer them to your party guests—it’s all about adding a new flair to summer fun and not spending too much money while doing it!","url":"/learning-hub/blog/how-to-throw-budget-mocktail-party","category":"BlogCategory"},"7964c166-7c96-5598-b29f-be2d1531f7a7":{"page":"Family Summer Long Weekend Ideas","description":"The occurrence of several long weekends from May to September—combined with the chance of good weather—means opportunities abound to spend quality time with the family. The best part? Fun can be found without spending much money. With three days off from work and school, it can be tough to carve out a compelling itinerary that will keep the little ones occupied. But it’s better to over-plan than be underprepared. What you want to avoid is the dreaded cabin fever, or early onset boredom. Make sure you take advantage of the warmer weather. Outdoor activities for children can include a trip to a park they might not have visited before, and swing sets, slides and ball fields are an obligatory rite of summer. A parent’s bag of tricks, meanwhile, can be stuffed with sidewalk chalk, outdoor games, balls of various sizes, homemade bubbles and even kites. For an added dollop of fun, how about a “sticky note” scavenger hunt? It goes something like this: While the little ones are distracted with a game in the park, write a random letter on sticky note pages. Curl them up and stick them on various places on the playground equipment, such as under slides or swings. The whole game isn’t just to find the notes—the first person to gather enough letters to spell their name, wins! Go for a mini-hike through national or local parklands. The younger ones can participate by suggesting areas on the map they would most like to visit, to “own” a part of the adventure. Every family member, big or small, can come together to make a homemade trail mix and pack their own baggies of snacks. To continue the journey, book a campsite ahead of time. Set up a tent at your campsite and then make s’mores and hot chocolate and sing campfire songs. If there’s a consensus that everyone would enjoy putting their hands in soil, try gardening. It’s pretty straightforward to dig and plant, and the excitement for children can be that they choose their own vegetables to grow while learning about the various items they are planting. If you’re willing to splurge a bit on cost, book a hotel room for the family for a night or two. This will give you unlimited access to the hotel pool and maybe even a sauna, and—if you’re lucky—hotel discounts for local attractions. Choose a hotel with a free buffet breakfast because that’s all part of the fun, too. Parents can benefit from the break by not having to cobble together the morning meal as the young ones enjoy serving themselves. If you want to take things a step further, extend the trip by scheduling activities in the area near to the hotel. You can try fruit, berry or vegetable picking at local farms, or engaging the young ones in an educational pursuit, such as visiting a local museum or historic monument. This is also the perfect time to take those long-awaited road trips. Maximize your time by leaving the evening before the long weekend begins. The best part is knowing that a getaway with children doesn’t have to be complicated—perhaps there’s a beach within driving distance where the family can perch for a while. Enjoy a walking tour of a nearby city, particularly if there are pedestrian malls, tea shops and craft markets, to sample the local culture. And, given this is a long weekend, it’s entirely possible you’ll stumble upon an evening of fireworks. Gather the family on a hilltop or hotel balcony, corral some munchies and watch the show! Summer long weekend ideas for the family don’t have to be expensive or time consuming: Simple can be fun, too.","url":"/learning-hub/blog/family-summer-long-weekend-ideas","category":"BlogCategory"},"c6525b0c-d91f-5db7-bfc0-4437b6b7bc85":{"page":"Camping With Kids","description":"Get out there and enjoy the outdoors! Whether you strike a tent in the backyard or brave the backwoods armed with a canoe and a backpack, camping is an ideal way to see Canada for less than the price of a vacation to the tropics. Here are some hacks for taking even the smallest campers along with you and making it a stress-free family activity. Whether you pitch a tent in the backyard or brave the backwoods armed with a canoe and a backpack, you can get out there and enjoy the outdoors with even the youngest of adventurers. Camping is an ideal way to see Canada, and it costs less than your average tropical vacation. Here are six tips for camping with kids that can help make your trip a fun family activity. • Prepare food in advance: Meal prep may take up more time and energy outdoors than it does at home, so it's well worth examining your food plans carefully in advance. Helpful hacks include precooking bacon, sausage or other food (and storing it in an insulated cooler) so it only needs reheating on site; purchasing \"liquid eggs\" (which travel better than raw eggs in shells); freezing foods ahead of time to extend their life; and bringing plenty of snacks to appease hungry tummies between meals. Remember that block ice lasts longer than cubed ice in a cooler and is something you can easily make at home instead of purchasing. As always, food handling safety and hygiene are crucial. Know the proper way to pack and store food if you're headed to an area with wildlife risks. Ideas include storing food and food preparation materials in the trunk of your vehicle, if parked nearby, or storing them in a pack and hanging them off the ground (at least 4 metres in the air), away from a tree trunk (at least 2 metres) and separate from the sleeping and eating areas of your campsite. • Don't be caught unprepared: A well-stocked first aid kit is a must. You'll be thankful for your supply of sunscreen, adhesive bandages, bug repellant, antihistamines, and so on, and if you've got a young one that ends up feeling poorly, you'll be relieved you brought along a thermometer. A pre-trip stop at Shopper's Drug Mart can set you up nicely. • Pack an activity bag for the tent: As a parent, few things generate more disappointment than waking up hours earlier than desired with a child who's raring to go. And with the relative inability to block morning sunshine in a tent, it's a risk you run while camping. If you're not an early bird, keeping a bag on hand with distractions like books, puzzles, colouring books or small toys could buy you some extra ZZZZs. You'll also be thankful for these items if the weather turns rainy. • Bring light: It's no fun to argue over a single flashlight or lantern at night. Bring several light sources and lots of battery backup, especially if you have a child who may be afraid of the dark. • Keep them busy: Don't rely on \"the wonder of nature\" to hold a child's attention at all times. Prepare plenty of activity ideas ahead of time, bringing along sports and beach equipment, cards and board games, word games and campfire stories. What other activities can you introduce yourself or your children to? Stargazing, hiking or fishing (don't forget your fishing licence, if appropriate)? Many campgrounds also offer staff-run activities and educational opportunities to enjoy. • Just bring the equipment, already! Don't let other people shame you into \"roughing it\" on a family camping trip if you're not comfortable without a luxury or two from home. If you've got the room, bring along whatever equipment you need, whether it's a playpen or a fancy coffee press, in order to enjoy family time together in the great outdoors.","url":"/learning-hub/blog/camping-with-kids","category":"BlogCategory"},"330fb5f9-e619-564d-8a40-975b59e4b49a":{"page":"Self-Care Trends You Can Try at Home (and When to Visit the Experts)","description":"It’s fun to test out new trends in self-care and discover what works best for your physical and mental health, but some activities, products and services are more expensive than others. Here is a selection of free or cheap DIY self-care tricks. Home fitness Don’t want to splurge on a gym membership? No problem. The at-home fitness industry has never been so big, thanks to apps that act like personal trainers in your pocket, offering pre-set workout routines, video tutorials, food tracking and more. And if time, not money, is the issue, smart technology—from rowing machines and boxing gloves to snazzy stationary bikes with digital access to classes—makes it possible to get a sweaty, gym-level workout in the corner of your living room. Remember: never begin a new fitness program without checking with your physician first. Oat milk Forget soy, almond and coconut: Oat milk is the latest dairy alternative to take over coffee shops because of its thick consistency and subtle flavour. and amp up your homemade smoothies and lattes. One-stop wellness centres In this fast-paced world, we’re all time poor and no one wants to drive between the gym, the salon, the physiotherapist and the smoothie shop to check off our self-care to-do list—not if we can help it, anyway. Enter one-stop wellness mega-centres that offer multiple services all under one roof. You can’t take part in this self-care trend from home, but at least visiting a wellness centre with multiple service offerings will help you save on gas! Meditation Fancy studios that offer guided meditation, yoga and sound baths seem to be popping up on every corner. But you don’t need to spend $25 per session to reap the benefits of mindfulness. Take a few minutes to focus on your breathing, mindfully wash your dishes (paying attention to the feel of the cloth, the temperature of the water and the smell of the soap) or go for a walk in nature without your phone. Easy-access cosmetic treatments Lasers, peels, and fillers for rejuvenating the skin, treating dark spots and adding volume are becoming popular and more easily accessible. However, these non-surgical procedures require the ministrations of a professional, so book a consultation with an experienced practitioner—like one of the pros at The Beauty Clinic by Shoppers Drug Mart.® ","url":"/learning-hub/blog/self-care-trends-at-home","category":"BlogCategory"},"41ec42ac-4eac-5ff6-b9d9-d33689f5aef5":{"page":"Holiday Cheer: Hosting a White Elephant Gift Exchange","description":"Few holiday traditions are more fun than a classic holiday gift exchange. People are probably most familiar with group activities such as ones where participants randomly draw the names of family or friends and then buy them a present, while keeping their identity hidden until after the gift is opened. More entertaining still is the White Elephant gift game. While the premise is similar to a gift exchange, this game includes a twist where participants are allowed to swap their gifts for other people’s presents. Earning its name from a term used to describe an item the owner doesn’t want, White Elephant requires guests to bring unmarked wrapped gifts that are placed in a designated area. Each participant is either assigned a number randomly when they arrive or numbers are drawn from a hat once everyone is there. The numbers indicate the order in which your guests open presents. The twist, however, happens after the first player picks their gift, opens it and reveals it to the crowd. The person with the next highest number is given the choice of either swapping it with the already opened gift or picking a new, still wrapped one. Participants who have had their gift swapped can choose a new wrapped gift—or swap it for any other unwrapped one. The process continues until every guest has had a turn and the last wrapped gift is opened. To prevent the game from going on forever, you can set rules, such as not allowing a gift to be swapped more than two times, no swapping a gift back or by limiting how many times a gift can be swapped with a player. This ensures that the remainder of wrapped gifts are eventually opened and that everyone gets a turn. A fun variation that can make the event more challenging for friends or family is to put a price restriction on the presents. For example, the budget might be $20, tax included. Not only is this considerate of guests who are more budget conscious, it avoids putting people in an uncomfortable position and ensures the gifts are mostly equal. It also promotes creativity. You should also consider setting a theme for the event. Whether gifts have to be red or start with the letter ‘s,’ for example, or not allowing simple solutions—such as gift certificates, lotto tickets or similar vouchers—will lead to more thoughtful gifts. And if you’re using a credit card, such as the no-annual-fee President's Choice Financial Mastercard® to make your purchase, you are also earning PC Optimum points with every dollar spent. Still not silly enough? Why not make the White Elephant theme be extremely tacky and useless presents? Entertaining and funny, this promotes the playful nature of the game and eliminates the stress of having to find the perfect gift. Besides, one person’s trash may be another’s treasure. Try to discourage gifts such as chocolates or other standard crowd-pleasers. Encourage elaborate gift wrapping that includes containers of misleading sizes. You can also permit the use of excessive masking tape or duct tape so everyone can watch recipients struggle to open their gifts. Also consider allowing the first player the option of exchanging gifts with another person at the end of the game because they weren’t given the opportunity to swap anything. Make sure to have plenty of food and refreshments on hand for the party. Consider turning it into a potluck by asking guests to bring treats and refreshments such as soda, water or coffee to take some of the pressure and expense off the host. If you pick up ingredients and supplies in advance from a local Loblaw banner store, you’ll have the opportunity to earn PC Optimum points at the same time. ","url":"/learning-hub/blog/hosting-a-white-elephant-gift-exchange","category":"BlogCategory"},"5df0fb89-ccf3-56ae-89b8-924c2a67ab7e":{"page":"How to Fine Dine While on a Budget","description":"Going out to dinner at an upscale restaurant can be expensive but it’s possible to enjoy fancy meals without breaking the bank. All it takes is a little research and a few helpful tips. Budget for the meal Plan ahead by familiarizing yourself with the menu and deciding which courses fit within your budget. Knowing how much the meal will cost will determine if there is a need for you to cut down on miscellaneous expenses throughout the day or week. Something as small as cutting down on the amount of coffee or lunches purchased (and preparing something from home instead) will offset the final cost. Dine at lunch Many fancy restaurants serve lunch and may offer lighter options, a prix fixe menu or even a smaller tasting menu at a fraction of the dinnertime price. Be sure to scan both menus in advance to see if you can take advantage of the savings. Discount dining Although many fine eateries don’t participate in discount coupon programs or promotions like restaurant week, there are plenty that do—especially during their slow season. From reduced rates, prix fixe menus to bonus courses or complimentary beverages, keep an eye out for announcements on the restaurant’s webpage, through social media channels, newsletters or in event round ups listed in local publications. Eat at the bar Sitting at the bar has its rewards: You’ll find friendly solo diners and those seeking a slightly more relaxed eating experience. There will often be a bar menu offering smaller plates than the main dining room and at lower cost. You might even cash in on a happy hour that let patrons enjoy the atmosphere while avoiding a hefty bill. Order strategically For those who can’t resist ordering one of everything, think about dining out with a group. This way, everyone can sample a variety of dishes, shared family-style, with the cost divided among the members of the party. Sometimes the most effective way to curb expenses is to be selective and order a few key plates from the menu. In addition to asking if the prix fixe menu is a better deal than ordering off the a la carte menu, take a look at the portions being served at neighbouring tables. Do they look substantial enough that you could find satisfaction in a couple of dishes instead of committing to a tasting menu or having an appetizer, main and dessert? Consider forgoing the appetizer for a dessert or vice versa. If there’s more than one person in your party, consider sharing an appetizer or dessert instead of ordering one each. For imbibers, try to order a drink that pairs with more than one course. It might even been more economical to split a bottle of wine with your companions (each 750ml bottle holds five five-ounce glasses of wine). Order the specialty\t Although many kitchens change their menus seasonally, there are always signature dishes or well-known specialties. The only exception to this tip is if there is a course that you cannot go without, sounds interesting or is a personal favourite. In those cases, consider ordering that dish instead of the crowd-favourite because you might enjoy it more. Look for soft-openings On rare occasions, new restaurants or those that have undergone major overhauls extend a soft-opening or family and friends discount to diners. Try to be open-minded as this is also a time for restaurants to train staff and work out any kinks—that discount is for any inconveniences that might be suffered. Culinary school dining Take advantage of culinary schools that offer affordable tastings prepared by students working under the guidance of chef instructors. And remember, while budgeting to dine out is important, it’s even more important to include a proper tip in your calculations. It’s better to skimp out on a drink or dessert than on something that affects someone’s income. ","url":"/learning-hub/blog/how-to-fine-dine-while-on-a-budget","category":"BlogCategory"},"b0fb617c-7ed1-56bf-97e9-62deda2135d6":{"page":"7 Ways to Save Money on Fresh Produce","description":"The goal: To eat a wide variety of fresh, tasty fruits and vegetables that are packed with nutrients. The caveat: You also want to save money on groceries. Luckily, by planning ahead and following these easy steps, it’s possible to save on food and make cheap meals that taste yummy, too. \r\n \r\n1. Stick with in-season produce\r\nAs soon as you start relying on fruits and vegetables that need to travel great distances to make it to your grocery store, expect your wallet to take a hit. Instead, try sticking with local produce that’s readily available in your area. When farmers harvest in-season crops in great abundance, prices can decrease. \r\n \r\n2. Rely on cheap alternatives\r\nCertain types of produce are consistently cheaper than others. Put broccoli, potatoes, onions, carrots, apples, oranges and bananas in frequent rotation. They’re all excellent for creating tasty, inexpensive meals.\r\n \r\n3. Pick and choose organic items\r\nYes, it’s nice to splurge on organic fruits and veggies, but if you’re trying to save money on groceries, focus on buying organic items that might be on sale and in season. PC® Organics has dozens of items to select from to help make your task easier, and be sure to check the flyers before you head out. \r\n \r\n4. Buy from the reduced section\r\nYour grocery store will likely offer deals on items that are slightly damaged or close to expiring. If you want to save on food and plan to consume your purchases within a couple of days, reduced produce may be the perfect choice for you. Be sure to check store flyers for weekly sales. \r\n \r\n5. Store your produce properly\r\nSome fruits and veggies belong in the refrigerator and some on the counter. Make sure you know the best method for each item to extend its shelf-life and reduce waste. For example, whole tomatoes, pineapples and bananas typically keep well on the counter. Whole sweet potatoes and yams, winter squash, shallots, potatoes and onions are best left in a cool, dark space such as a pantry. Most other items can go in the fridge.\r\n \r\n6. Use up almost-expired fruits and veggies\r\nIf you can, turn bruised or almost-expired produce into sauces (tomato, apple), soups, or bake them into loaves and muffins.\r\n \r\n7. Freeze discount or in-season produce for later use \r\nIf you come across an amazing sale or really love a certain type of produce with a short growing season, buy it in bulk and freeze it. The texture will change, so you likely won’t be able to thaw the product and eat it raw, but you can include it in soups, stews, smoothies, side dishes and baked goods. You’ll eat better for less in no time. ","url":"/learning-hub/blog/ways-to-save-money-on-fresh-produce","category":"BlogCategory"},"0f44e3a2-8cb3-530b-8837-034adc0f6e65":{"page":"Holiday Party Attire: Adding Festive Flair","description":"No matter how many parties and events you need to attend this winter holiday season, there’s no need to splash out on expensive, all-new outfits. Here are some tips for re-using and upcycling last year’s ensembles. Know the scene Before you raid your closet, it’s key to understand the tone of the event you’ll be attending. Knowing how fancy or laid-back it’s expected to be helps narrow your wardrobe choices and can boost your chances of feeling stylish and comfortable. If it’s an event where you won’t know anyone, take heart in knowing you can re-use last year’s outfits without the other guests being any the wiser! Borrow/swap Consider borrowing or swapping clothes with family or friends for a new-to-you look. If not a whole ensemble, perhaps there’s a single key piece—such as your sister’s tailored blazer or your mother-in-law’s dramatic scarf—that you can borrow to turn an everyday look into the perfect office holiday party outfit. Attending or hosting a clothing swap (you can read more about those here) is another great way to broaden your options without spending money. Alternatively, visit thrift stores, where you’ll often find high quality clothing for less money, including cheap holiday party dresses or other interesting pieces to add to your festive wardrobe. Accessorize You can dramatically alter the look of an old or basic outfit by simply changing up the accessories you use. Pairing a black dress or pantsuit with, for example, colourful shoes, an inexpensive statement necklace and a sparkly handbag can elevate a look you might have otherwise worn to the office. Accessories, such as fancy earrings, bracelets, brooches and other costume jewelry; belts, scarves, sashes and shawls; shoes, stockings and gloves; and hats and hair accessories, are all good options for adding some bling to your holiday party attire. Get crafty Love them or hate them, the “ugly holiday sweater” is still a thing, with parties centred around the theme more popular than ever. Instead of paying for a new sweater that you’ll only haul out once a year, why not take an old one that you already have and make your own “ugly” version? (If you don’t have one you want to alter, consider buying one online or in person at Joe Fresh). It’s easy to adorn a sweater with bits of garland or other holiday ornaments. Tack on some cut-outs of holiday images such as candles or gingerbread cookies, or use puffy/glittery fabric paint to draw any design you desire. Almost anything goes and your creativity will surely be an icebreaker! You can even attach a string of battery-operated mini lights for a twinkly sweater that will steal the show. Tweak it If a garment you wore last year no longer fits the way it used to, not all hope is lost. A trip to the tailor can tell you whether it’s feasible to let out or take in seams for a better fit at a lower price than a brand-new outfit. The same goes for inexpensive clothing that doesn’t quite sit right on your body. An inexpensive tailoring job that makes clothes look custom fit will instantly improve your ensemble. Other ideas for upcycling an old outfit include shortening hems on skirts and dresses or adding length (perhaps with a bit of lace trim), altering necklines and collars, removing sleeves entirely or cinching in wide shoulder straps (easy to do with pretty pins or brooches), or embellishing a piece with embroidery or beading. If you’re handy with a needle and thread, all the better. Don’t hide Make yourself the centre of attention, not your outfit. That could mean opting for a striking hairstyle, getting your nails done, wearing a beautiful scent or a dramatic makeup look with a smoky eye or the perfect shade of lipstick (Tip: PC Optimum members earn PC Optimum points when they shop at Shoppers Drug Mart). But most importantly, carry yourself with confidence and you’ll rock whatever you’re wearing.","url":"/learning-hub/blog/holiday-party-attire-adding-festive-flair","category":"BlogCategory"},"ae7dcbc6-7710-5a2f-83b0-dcc9b70adba4":{"page":"Fun Things to Do in January to Beat the Post-Holiday Blues","description":"It’s easy to succumb to the many gatherings, celebrations and opportunities to spend time with friends and loved ones over the holiday season. It can also add up quickly, forcing many people to spend January at home while they pay off their bills. But the new year doesn’t have to be spent indoors (unless that’s your thing, of course). Here are four fun things to do in January to beat those post-holiday blues. Collective Socials For any social butterfly, January can feel like withdrawal after hosting and attending numerous events. However, being on a budget doesn’t mean that the social life has to take a back seat. January is the perfect time to host a gathering with the responsibilities split among the attendees. Host a potluck, crowd-friendly pizza or taco party where everyone contributes to the menu or takes care of the details involved, such as the drinks, dishware or cutlery. Create a sign-up list and ask guests to select their responsibility. Pick up supplies and ingredients at your local Loblaw banner store to earn PC Optimum points on your purchases. Set up a games night where everyone brings their favourite group-friendly board game, a snack that can be shared and their beverage of choice. Consider preparing in advance homemade treats like cookies, cake or popcorn, and a tea or coffee bar. Out and About Instead of staying inside, there are plenty of activities that can be enjoyed outdoors. Look for free or lower-cost recreation options, such as skating on an outdoor ice rink or public skate park operated by your city. Other fine options include tobogganing in one of the city’s parks, fat-tire bike rentals, or attending a free event or winter festival hosted by a neighbourhood or the city. Look for outdoor ice sculptures or light displays. Build a snowman or have a snowball fight. Bring your own snacks and warm up with a thermos full of coffee, tea or hot cocoa (with marshmallows) and cups to share the goodies. Why not take a day trip to go on a winter hike, snowshoe or cross-country ski along one of the trails in a nearby conservation area? Just make sure to take caution when exploring the great outdoors. Stay on marked trails, don’t litter or remove natural materials, and don’t feed or otherwise interfere with wildlife. Bring the supplies you’ll need, including snacks and water, and be sure to start early—with the shorter daylight hours, you should give yourself a buffer to get back home before it’s too dark. Be Community Minded\t Take the time to help those in need. Volunteer at a local charitable organization, food bank, animal shelter or seniors centre. Check your local community centre for any free or low-cost drop-in programs. Visit an art gallery or museum that might offer free admission during a special time slot for the general public (typically Wednesday nights). Home Spa for Less Pamper yourself or host a mini-spa gathering with cheap and easy DIY treatments. Set the scene by putting on a chill playlist, dimming the lights and having fluffy towels, robes and slippers at the ready (or ask your guests to bring their own). Give yourself a steam facial by bringing a small pot of water to a boil and pouring the hot water into a large bowl that is resting on a towel on a steady surface. Add some fresh or dried herbs, an herbal teabag or a couple of drops of essential oils to the water and then hold your cleansed face over the steam for about 10 minutes with a towel draped over your head. Apply a homemade facial or a store-purchased mask to your face and leave for 10 to 20 minutes before rinsing off. Place a slice of cucumber over each of your eyes while you relax (and cut fresh slices to make cucumber-infused water to enjoy on your DIY spa day). Homemade sugar scrubs are simple to put together in addition to being budget-friendly. After a shower or soak in an Epsom salt bath, exfoliate your skin with a mix of two parts brown sugar to one part coconut oil or honey with a couple of drops of essential oil (or the juice and zest from half a lemon), then rinse thoroughly off. Moisturize with lotion. Hair masks can be replicated with a couple of tablespoons of coconut oil that is massaged into your hair and scalp from the roots to the ends. Leave in for 15 to 20 minutes before washing and letting air dry. But if you would rather pick up skin care products from the store, use a credit card, such as the no annual fee President's Choice Financial Mastercard®, which lets you earn PC Optimum points with every dollar spent. Or just redeem the PC Optimum points you’ve already collected at participating stores where President’s Choice® products are sold. With so many economical options available, you’ll wonder where the month went. ","url":"/learning-hub/blog/fun-things-to-do-in-january-to-beat-the-post-holiday-blues","category":"BlogCategory"},"b4ecd99d-607b-515d-80a8-c4eadfb499c9":{"page":"Benefits of Buying (and Giving) Gifts Online","description":"Have you ever noticed that, come holiday time, it seems like the best gift of all would be to have your own personal assistant? Between buying presents, preparing special meals, attending festive parties and getting together with family and friends, the holidays can be as overwhelming as they are enjoyable. Fortunately, the ever-growing popularity of the internet and digital apps has made gift-giving faster and easier than ever. Buying gifts online and giving app gift cards as gifts are wonderful solutions for time-strapped shoppers. Worrying about holiday traffic, finding parking spaces at overcrowded malls, jostling with anxious fellow shoppers and waiting for hours in line are hassles that can all be avoided when you take advantage of the benefits of buying (and giving) gifts online. Here are some of the apps and services that will make your life a lot easier this festive season. Food Delivery Apps Giving food delivery app gift cards as a gift to others (and yourself) is a smart option for many reasons. First, who wouldn’t appreciate getting a meal delivered to their doorstep? Not only are you giving that special someone a delicious meal, you’re also giving them the gift of time. Giving app gift cards as a gift will also save you time because you can order them online. In fact, why not consider using food delivery apps as a gift to yourself and enjoy a break from cooking during this busy time of year? Grocery Delivery Services Prepared meals aren’t the only gift that a time-starved friend will appreciate. Grocery delivery services like PC Express™ save tons of time by doing the legwork for you and are another excellent example of the ways that buying gifts online will make your holidays a breeze. You simply choose your favourite grocery store and then trained personal shoppers select your items with care. For a fee, the items are delivered to you at a time that works for your schedule. You also have the option of using a grocery pickup service by shopping online and then going to the store or pickup location to get your groceries. Why not shake things up and use grocery delivery services as a gift to yourself so you can order groceries to give to a friend? Online Subscription Programs Why not opt for a gift that will bring joy all year long? For a monthly or yearly fee, PC Insiders subscription program gives users access to perks like free shipping on joefresh.com and shoppersdrugmart.ca and free PC Express grocery pickup. There are also plenty of subscription programs for video streaming or music, that would bring joy throughout the year. Shopping Online Buying gifts online is easy, particularly when shopping for things such as clothing, beauty items or health care products—all popular holiday presents. With just a few clicks of the keyboard, you can shop online where you can choose from a great array of clothing, accessories and footwear. Or head over to an online beauty site and buy presents from the comfort of your own home. Best of all, many online stores include free delivery on minimum orders. And don’t worry about overdoing it—an added bonus of buying gifts online is that it helps curb impulse buys, which can be harder to avoid in person.","url":"/learning-hub/blog/benefits-of-buying-gifts-online","category":"BlogCategory"},"fcd4a1ca-e7ee-5760-967f-7d1024546e66":{"page":"Affordable Homemade Gift Ideas for Holiday DIYers","description":"When it comes to the holidays, the tradition of gift giving can end up being pretty pricey. However, the holidays are also a great time to exercise your treat-making and baking skills by creating thoughtful and delicious homemade gifts (plus you can redeem PC Optimum points towards your purchases at participating stores where PC Optimum products are sold). Here's a list of homemade gift ideas, including a couple of semi-homemade options, plus tips on how to package everything. Your DIY holiday gifts will be the hit of the season. Shortbread cookies are synonymous with the holidays, with plenty of recipes online to help you out. But why not mix it up a little? Think about rolling the log of dough in coloured sugar, sprinkles or even crushed candy canes before it’s sliced into cookies. For those looking to add a hidden surprise, you can even wrap a piece of chocolate in the dough before it’s sliced and baked. Decorated sugar cookies are another staple of the holiday season. Versatile and relatively easy to make from scratch or by using a mix such as President’s Choice® Sugar Cookie Mix, a standard recipe can be made festive with cookie cutters and by exercising a little creativity. Decorate baked cookie surfaces with coloured frosting; create stained-glass cookies by spooning crushed hard candy into the cut-outs of the unbaked cookies (on a baking sheet) and then bake until the candy is melted and the cookies are golden. Sandwich cookies can be made by capping one jam-topped cookie on top of another—just make sure it is the bottom surfaces that are sandwiched together by the jam. For a prettier version, consider preparing half the cookies with a cut-out that can be made fancier by brushing the surface with an egg wash and decorating the top with sliced almonds before baking. Once cooled, the cookie with the cut-out is used as the presentation side of the sandwich which can be finished with a dusting of icing sugar. Macaroons are another easy option, and they’re gluten-free—they are made of shredded coconut, condensed milk and egg whites. Dress up the confection either by drizzling melted chocolate over their surface or dipping their bottoms in chocolate and placing them on parchment paper until set and packaged. To package the cookies, you’ll need an assortment of paper baking cups in various sizes, food safe bags or containers, tape and ribbon. Place one or two cookies in an appropriately sized baking cup, then package with the presentation side up and seal with a ribbon tie. Biscotti are another low-effort cookie with good results. Follow any standard recipe but spice it up by adding either chopped PC® Dark Chocolate with whole hazelnuts or chopped dried fruit and almonds to the dough before it’s baked, sliced and baked again. The twice baked cookies can be drizzled with melted chocolate for a fancier finish. A great DIY gift that requires little work but some patience and counter space are crystalized sugar swizzle sticks. Heat two cups of water with six cups of white sugar until boiling, stir until the sugar is dissolved and then let boil for one more minute. Take the sugar solution off the heat and allow to cool before pouring it into tall glasses or jars—each glass will be used for a swizzle stick. Next, dip wooden sticks into the cooled sugar syrup, roll them into dry white sugar that you have on standby, and place them back into the glasses. You can use clothing pegs to hold them upright. Allow for sugar crystals to form (it takes about two or three days). Once ready, take the crystalized sugar swizzle sticks out of the syrup and allow for any liquid to run off before placing them on a paper towel to dry. When dried, package in a food safe bag or tie together with a festive ribbon. Recipes for loaf cakes or muffins are simple to follow and can be made from scratch or using boxed baking mixes such as PC® gluten-free cake mixes for glute-intolerant recipients and PC® cake baking mix for others. Simply wrap the finished loaf in a food-safe cellophane gift bag and tie with a festive ribbon or decorative cord. Alternatively, place a half-dozen muffins in a food-safe gift box or a cleaned food container, before tying the package up with a ribbon. Since time is so tight for many during the holidays, picking up ready-made treats and repackaging them into holiday-ready presents is an acceptable alternative that’s equally well received. Simply head into the holiday aisles of a grocery store and choose some pretty decorated cookies and treats such as PC® Luxury Biscuit Assortment, PC® Festive Chocolate Collection or PC® Maple & Bacon Popcorn. All you’ll need are some food-safe cellophane bags to redistribute the treats (go with a two-serving size minimum for each package) before securing each package with some curling ribbon. Place an assortment of the repackaged goodies into a gift basket or bag and supplement the treats with a mix of small chocolate bars, holiday mints, PC® Old-fashioned Handcrafted Candy Canes, coffee beans, tea bags or PC® Hot Chocolate mix. \n\n","url":"/learning-hub/blog/affordable-homemade-holiday-gift-ideas","category":"BlogCategory"},"372083b3-0f44-5dc8-a520-d0698ecdc75d":{"page":"Throw the Ultimate Weekend BBQ and Earn PC Optimum™ points While Doing It","description":"There’s no better way to enjoy a summer meal than with an epic barbecue. That old friendly grill returns after all those chilly months, like a pal you’re happy to see again, ready to fire up a memorable and delicious meal. Idea: have you considered scheduling time with friends and family where you can enjoy time together over a virtual video BBQ? But what, precisely, is an epic barbecue? Well, that’s a matter of opinion and if you ask 10 people, you’re likely to get 10 different answers. But one thing is for certain—there’s\nnothing ordinary about it. Most agree it’s not always about the quality of food, nor is it about the watchful grill-eye of the chef. Those things are necessary, of course, but why not learn a few BBQ tricks and hacks? Get the BBQ started. First, that ol’ grill has been sitting a while, unused. It has probably been collecting dirt, the odd cobweb, on top of the residue already on it from last year’s parties. The good news? There is a way to clean the grill without the use of chemicals. Invest in a quality grill brush– something manufactured especially for this purpose. Condiments Sick of having to put several kinds of condiments in little bowls that may easily blow away? Try pouring them into different sections of a muffin tin and placing a spoon in each – a condiment for each section. (This way, no one monopolizes any one condiment). It also saves in cleaning up the mess at the end, because all you need to do is put the tin in the dishwasher, as opposed to wiping down messy bottles.\n Money saving tips Use the PC Financial Mastercard® to earn PC Optimum™ points on your purchases, or treat yourself and redeem your accumulated PC Optimum points for some of the BBQ essentials. Earning PC Optimum points on every purchase is among the many perks of the PC Financial Mastercard®. Redeeming PC Optimum points* is easy: 10,000 points = $10. Points can be\ncollected, and then redeemed towards free groceries at stores that participate in the PC Optimum program. What a way to fuel an amazing BBQ! Now that you have all of these ideas, it’s time to start shopping!","url":"/learning-hub/blog/throw-the-ultimate-weekend-bbq-and-earn-pc-optimum-tm-points-while-doing-it","category":"BlogCategory"},"9c4290ab-9932-5aed-98d7-4e5133962aa5":{"page":"How to Reduce Waste in Your Daily Life","description":"When it comes to minimizing waste, the old elementary school mantra still holds true: reduce, reuse and recycle. First, consider reducing your consumption wherever possible. Next, try to only purchase items that you can reuse or donate for reuse by others. Third, turn to the recycling bin for anything that can’t be donated. Here are 10 tricks for cutting back your daily waste and promoting energy conservation. Ditch disposables in the kitchen Without even thinking about it, you probably use all kinds of one-time-only items during food prep, meals and clean-up—from paper towels and napkins to plastic wrap, tinfoil, sandwich bags and straws. Instead, opt for washable cloths and cloth napkins, reusable baking sheets, containers and dish covers, and metal or silicone straws that can be recycled or washed and reused. Pack your own lunch Rather than grabbing takeout on your lunch break, stock your fridge with PC®, PC® Organics and PC® Black Label Collection goodies and make your own lunches. Pack everything in washable bags and containers that you can use again and again. Drink out of reusable water bottles and coffee mugs If you’re constantly on the go and drink copious amounts of water and coffee, you might do well to bring your own water bottle and travel mug. Even if you buy just one water and coffee each weekday and put them in your own containers, that’s approximately 260 plastic bottles and 260 paper coffee cups per year that won’t end up in a landfill or take precious energy to recycle. Bring reusable shopping bags—every time Stash cloth bags in your purse or trunk to carry everything from groceries to clothes. You can buy reusable bags for your produce—but they only help offset waste if you actually use them. When you reuse items instead of throwing them away, you’re helping to conserve energy. Minimize food waste by planning ahead Meal planning for the week is a useful tool to help you know exactly what you’ll be eating—and when—so you can tailor your grocery list accordingly. Share large purchases, such as garden equipment or cars Is the sharing economy for you? If you want to cut down on spending, minimize your car use or get the most out of tools that you’ve purchased (and maybe even make a little money sharing them in your neighbourhood), then the answer is yes. Learn the rules of recycling To ensure that all eligible items actually make it to a recycling facility in your area, check your city’s rules. Food and organic waste left in the bin or on paper and in plastic bottles can ruin batches of recyclables. Clothing can’t be recycled, and the same goes for most coffee cups and black plastics. Proper sorting means your recyclables will actually end up in the right place. Repairing instead of discarding Rather than tossing clothing, electronics and furniture that have minor holes, dents or scratches, learn to do your own repairs, pay an expert to do a bit of tinkering or get creative with patching and furniture placement so minor damage is less noticeable. Donate items you don’t use Just because you no longer wear a certain blouse or have purchased a new coffee table doesn’t mean that your older pieces should be thrown in the trash. Divert items from the landfill by looking for a charity in your area that will accept gently used goods. Minimize mail delivery Switch to paperless billing, call your post office and put an end to junk mail delivery and cancel subscriptions to publications that you never actually read.","url":"/learning-hub/blog/how-to-reduce-waste-in-your-daily-life","category":"BlogCategory"},"105f3aba-ca9b-58ad-a597-affea8d29d8f":{"page":"Artful Decorating","description":"You don't need to be a millionaire to hang beautiful, one-of-a-kind artwork in your home. Here are some suggestions for creating a collection that is personal and reflects your tastes, without the art gallery price tag. • Memorabilia: Purchase an inexpensive shadow box and pillage your shoebox of special items such as ticket stubs, maps, photos, artifacts and other mementos from a memorable trip, show or person. If they're worth keeping, why hide them? • Textiles: Fabric adds warmth and helps absorb the echo in a room. Look to quilts, tapestries, old linens, rugs, decorative tea towels, or any other fabric that's attractive, sentimental, an heirloom or meaningful in some way (including clothes). You can frame them, put them into embroidery hoops or hang them from rods on walls or display stands. Larger pieces may even be used as a dramatic focal point, such as a window covering or a bed's headboard. If the fabric is delicate or fragile and worth preserving over the long term, you may want to speak to a conservationist about how to protect it properly, but otherwise have at it! • Children's art: The bold, naïve style and bright colours of children's artwork is often the perfect complement to a family home. Your child’s crafts and paintings, once framed and displayed with pride, may be far more meaningful than purchased art. • Found objects: Almost anything that you find beauty in can be displayed and appreciated. Look around for items with an unusual or attractive shape or colour (a coat of paint can help if necessary). Items that typically serve another function can be repurposed as art as you design your room. Do you have a button, shell, camera or wooden box collection? Old silverware or plates you can hang? Architectural drawings or site plans? A derelict wooden door with window panes that can serve as a frame for other pictures or paintings?. • Family photos: Housed in old photo albums and in your computer files is a whole art gallery waiting to be appreciated. To make groupings of photos most cohesive and effective, hang your collection together and keep one element consistent throughout, such as the frame or mat style or colour, or by converting all the pictures to black and white. • Typography: Letters and language can make a powerful DIY home design statement. Put those computer fonts to good use and create your own images. Whether on your home printer or at a copy shop, you can print out favourite sayings, names or initials, or simply all or part of the alphabet to frame and hang in interesting ways. Have fun with it! Click here for more tips on decorating your home on a budget.","url":"/learning-hub/blog/artful-diy-decoration-for-home","category":"BlogCategory"},"483f9679-bf08-5296-b7c1-450ff861088a":{"page":"5 Teacher Gifts (that they'll really love)","description":"When it comes to thanking the people who spend their days educating, guiding and caring for your child, end-of-year or teacher appreciation week gifts—while not mandatory or expected—are one way to show your appreciation. But many people are on a limited budget, and have more than one child and/or teacher in their lives. So what kinds of gifts are both inexpensive and truly appreciated? The good news is it doesn’t take a lot of money or stress to show a teacher they’ve earned top marks. Here are five suggestions to consider: 1. School supplies: Did you know that many teachers spend their own money helping to outfit their classrooms with school supplies? Gifts such as markers, pencil crayons, pencils, glue sticks, grade-appropriate books or a dictionary are practical and warmly received. 2. Custom Kits: Get creative and pull a few inexpensive items into a bundle that shows you’ve given the present some thought. For example, you might fill an inexpensive plastic tumbler or water bottle with drink crystals, some mints or gum and a recipe for your favourite summer drink for a refreshing start to their summer. What about a jar of premeasured cookie ingredients to bake a delicious treat? Visit your local Loblaw banner store, including Real Canadian Superstore and Shoppers Drug Mart, for a convenient source of ideas and supplies--and you can redeem your PC Optimum points towards purchases you make. Try to avoid “teacher” mugs (they probably already have a million!). Personal gifts, such as perfume or scented creams, may also not be appropriate unless you know the teacher and their preferences and/or allergies well. 3. Donations: A small charitable donation to a cause the teacher supports or that has special significance to them or your child is a thoughtful and unexpected present. 4. Gift cards: Everyone likes choosing something special for themselves. No matter the denomination, gift cards to any number of stores or restaurants will never go unappreciated. Besides the popular coffee, wine or book store gift cards, why not opt for one that’s redeemable at a gas station, dollar store, movie theatre or craft or grocery store? 5. Gifts from the heart The best presents don’t have to cost anything. Whether done individually or as a group (with the help of other parents or teachers), a heartfelt thank you note or a handmade craft, drawing or scrapbook might be the one gift that outlasts the others. As one teacher says, “It’s the words from kids and parents that mean the most.”","url":"/learning-hub/blog/5-teacher-gifts-(that-they'll-really-love)","category":"BlogCategory"},"16e33de7-6fa8-5cd2-8abb-5a99354035f2":{"page":"7 Affordable Wardrobe Basics That Will Simplify Your Life","description":"Ever heard the phrase, you need to spend money to save money? (OK, it’s actually “you need to spend money to make money,” but stay with us….) A stylish wardrobe doesn’t just appear out of thin air. You need to buy a solid foundation of basics to really make it sing. Once you have those items, you can build all of your outfits around them. We’ve come up with just seven classic wardrobe pieces—each available for under $60 at Joe Fresh®—that will keep you looking your best for years because they’ll never go out of style. Moto Jacket A flattering cover-up that hits right at the hip and can be worn open or closed, the moto jacket complements edgy items like ripped jeans and adds a laid back feel to feminine pieces like full skirts and flowy frocks. In other words: It goes with everything. Choose a colour such as black, white, grey or tan. Striped Sweater With their connection to the French (striped tops were long worn as a uniform by seamaen from Brittany), sweaters with horizontal stripes are endlessly chic. Black or navy stripes on white are the most versatile and create an effortless nautical vibe whether worn with pants, shorts or skirts. Loose White Tee A boyfriend T-shirt in white is the perfect layering piece and can be worn on its own (with its best friend, jeans) or underneath sweaters, vests and strapless or thin-strapped dresses. Just make sure the tee is ironed or steamed to destroy wrinkles and you’ll always look fresh and put together. Wrap Dress The wrap dress cinches in at the waist and skims the hips, creating one of those shapes that flatters just about every body. Go casual with flats and a denim jacket, or dress it up for work with heels and statement jewellery. Pencil Skirt First introduced by Christian Dior in the 1950s, the pencil skirt has been gracing women’s figures (and filling their closets) ever since. Similar to the wrap dress, flats will dress a pencil skirt down and heels will dress it up. For a skirt with longevity, choose a style that hits at or just below the knee. Slim Dark-Wash Jeans If you have to choose just one pair of jeans, go with a dark wash in a form-fitting cut. Dark denim (with no rips or patterns) can be worn to shop for groceries or eat a nice meal out, while the slim cut works well with both fitted and oversized tops. Ballet Flats Whether you choose black or tan (or even leopard, the bold woman’s neutral), make sure to have a pair of versatile flats on hand at all times. Ballet flats have a classic rounded toe that works with dresses and slim pants alike and have been beloved by style icons since Audrey Hepburn and Brigitte Bardot. Another tip: Pack these seven items for a trip and you’ll have a minimum of five different outfits to wear. That’s style with value.","url":"/learning-hub/blog/7-affordable-wardrobe-basics","category":"BlogCategory"},"823e98ea-7285-5571-9a7f-ef667f3a6b7d":{"page":"11 Healthy (and Cheap) Vegetarian Homemade Lunch Ideas for College and University Students","description":"Here are 11 easy-to-prepare, healthy and inexpensive meals for college and university students. Make the next Meatless Monday delicious and nutritious, plus save money by not eating out. The most obvious of homemade lunch ideas to start with is salad. But what kind? Students need something more substantive than merely cucumber, lettuce and tomato to get them through a day on campus. Toss in chick peas or kidney beans for protein, some croutons to offer that “full” feeling with carbs, and sprinkle in lemon juice with olive oil for the perfect multi-vitamin salad. Falafel-to-go. This is simple: open a pita, pile in hummus, add vegetables of your choice and finish with falafel balls (either ready-to-eat from the freezer or make your own ahead of time from a falafel mix). This is a delicious, nutritious and cheap vegetarian meal. Potatoes au gratin (a fancy way of saying potatoes with cheese). Take thinly sliced potatoes (preferably red-skinned or Yukon gold, because they are better at holding their shape), add sliced onion, cover with shreds or chunks of your favourite cheese, then bake and enjoy. Corn and bean salad is speedy, yummy and filling (oh, and cheap). All it takes is a can of corn, a can of mixed beans and chopped bell pepper for good measure. A fun and easy dressing can be oil, red wine vinegar, cumin and garlic. Take a walk on the wild side. Here’s a vegetarian lunch with some flair: sautéed portabella mushrooms over arugula with sautéed zucchini, avocado and creamy dressing. Coat the mushrooms in balsamic vinegar, olive oil, salt and pepper. The dressing ingredients are blended avocado, lime juice, olive oil, salt, pepper, cumin, and garlic powder. Veggie tacos have fun written all over them. Take vegetarian “beef” crumbles, chopped tomatoes, shredded lettuce, beans and cheese and put it all in a taco shell. Make your own poke bowl or sushi salad. Rice—which is quite inexpensive—is the base for this dish, which combines chopped veggies (cucumber, bell pepper, avocado) and pieces of nori (toasted sheets of seaweed). Add drops of rice vinegar, soy sauce or/and lemon juice for a dressing. Trendy can be inexpensive. Think whole grain couscous (or quinoa) with sautéed veggies and roasted sweet potatoes. Meatless stuffed peppers keep the focus on the veggie and spice filling, not whatever meat they’re stuffed with. Try bell peppers stuffed with corn, quinoa and beans, spiced with cumin and then baked. Cabbage is cheap and nutritious—and easy to work with for a crisp, cool salad. Combine chopped cabbage with dried cranberries, pomegranate seeds, mandarin oranges, sliced carrots and sliced almonds, and mix with an Asian dressing. Make it super easy with an inexpensive bag of cole slaw mix. Supercharge with potato latkes. Toss in a food processor two chopped potatoes, a handful of chick peas, an egg and shredded coconut and kale leaves to taste. Mould into patties and bake until dark brown and tough. Enjoy with dollops of sour cream or applesauce. These are easy to make and eat, and they’re tasty. These suggestions meet all the checkmarks for anyone looking for cost-effective lunches that are wholesome, vegetarian and easy to make.","url":"/learning-hub/blog/lunch-ideas-for-students","category":"BlogCategory"},"7bd77dcd-62d4-588d-bf61-fb1a5d4a2a0a":{"page":"7 Cheap and Fun Kids Snacks for Parties ","description":"Go beyond chips and dip with these cheap snacks for parties that are creative, interactive and easy to make at home. Each one requires only a handful of ingredients and is fun to eat or even assemble as a group. Bring a couple of these snacks to the table, and your children and their friends will think you're host of the year. Celery Caterpillars Are your little ones obsessed with creepy crawlies? Indulge them with stalks of celery spread with nut butter or cream cheese spread. Set them up to decorate each one with grapes, blueberries, tomatoes or other pieces of fruit and veggies. Finish off each caterpillar with googly candy eyes affixed to a piece of fruit or veggie with spread. Fruit Sushi Rolls Turn your guests into miniature chefs and get them to assemble their own faux sushi rolls. All you need is some thickly sliced banana, nut butter (or a spread of similar texture) and a couple toppings such as chocolate chips or chopped nuts. Have the children spread peanut butter around the edges of each banana slice with a spoon or plastic knife, then roll each piece in the toppings of their choice for a healthy dessert. Marshmallow Popcorn Balls Take just about any of these cheap snacks for kids and put it on a stick and you add an extra element of fun. Add crunchy popcorn into the mix and you're golden. To start, melt a few tablespoons of butter in a saucepan and then add one bag of small marshmallows, a dash of vanilla extract and a sprinkle of salt. Stir until smooth, then pour the mixture over popcorn and toss with a spoon to coat each kernel. Fashion the balls with your hands, stick candies or chocolates into each one and insert a stick. Leave on waxed paper to set. Grilled Cheese Rolls It's grilled cheese, but better! Simply cut off the crusts, then add cheese to each slice of bread, roll the single slice up and grill it in a pan with butter the way you would a regular grilled cheese sandwich. Include ketchup for dipping, and this tasty bite-sized snack will be a hit. It's a great way to thrill your kids on the cheap. Apple Donuts If you're looking for budget-friendly ways to invest in your health and the health of your kids, apple donuts are a nutritious alternative to the real deal. You'll need apples, milk- and white-chocolate chips, nut butter and sprinkles. Cut the apples into thick slices and remove the cores. Slow down browning by brushing the slices with lemon juice. Next, melt the chocolate chips and nut butter in bowls in the microwave, then drizzle the slices. Finish off with sprinkles. Animal Face Toast Cheap snacks for large groups are just one way to save on your kids' birthday parties. To keep things super simple, toast some bread, spread a circular face onto each slice with nut butter or cream cheese and then let the kids create their own animal faces with pieces of fruit and pretzel sticks. S'mores Dip Give the children a taste of the campfire classic with a marshmallow-and-chocolate dip melted in a skillet or other oven-safe dish. Heat the dish in the oven, then coat the bottom with melted butter and pour an even layer of chocolate chips on top. Cover with large marshmallows cut in half and bake until they've browned. Scoop the dip with graham crackers.","url":"/learning-hub/blog/7-cheap-kids-snacks-for-parties","category":"BlogCategory"},"b3dfa8de-f5f6-5f65-9d3b-ea35d6383555":{"page":"Meal Planning to Save ","description":"Great meals fuel us, bring us together, inspire us and help us make memories. But our food bills can also cost us a good chunk of change each year. The good news? There’s a simple strategy you can use to help lower your grocery bill while still feeding your family healthy, tasty food: meal planning. Saving and Savouring\nA secret that could help save money on food is to simply cook more meals at home. Take it one step further: integrate your meal planning into your household budget. By investing a short amount of time each week, you’ll develop a tool that can potentially lower your food bill, reduce food waste, help you eat healthier (buh bye, fast food!), make fewer trips to the store and save yourself the 5 p.m. stress as you wonder - yet again - what to make for dinner. You can make meal planning as elaborate or as simple as you want. Some people prefer to get fancy with spreadsheets, meal planning apps and tools but all you really need is a pencil and a sheet of paper or calendar. Start by figuring out how many meals you need to make for the week. Strike meals that are already accounted for, such as school pizza days, a breakfast meeting at work or a birthday dinner out. Take Stock: What’s on the Menu?\nNext, take stock of what’s already in your pantry, fridge and freezer, including leftovers. Can you slot in any meals with groceries just waiting to be used in your favourite meals? Search for recipes that incorporate what you have on hand, then check out grocery flyers or your local Loblaws website to find out what’s on sale and what’s in season. This will fill in any ingredient gaps (and may even encourage you to get a little bold with your culinary choices). Add in one or two fresh ingredients, and then fill out the rest of your plan with any all-new meals if necessary. Coming up with meal plan ideas might come easier if you decide on theme nights for each day of the week, such as meatless Mondays, slow-cooker Wednesdays or leftover Fridays. Plan to cook meals that focus heavily on perishable food first. Then you can let one night’s meal inform the next, such as using leftover roast chicken and rice into sandwich wraps for lunch or a stir fry for dinner the next day. Bulk prepare family favourites if you can. Freezing extra meals can provide a quick standby dinner for when you just don’t feel like making or eating what you’d had planned. The List Life\nTake your list to the store, and - here’s the tricky part - stick to it. It’s easy to get carried away and spend more when you’re not exactly sure what you came in to buy. An easy way to avoid temptation and help save time is to use the Click and Collect online shopping service at your local Loblaws to have someone else cruise the aisles for you. When stocking your fridge and pantry, look for staples that can be made into multiple dishes, such as meat, produce, and bulk dry or canned goods. But if an item doesn’t fit into your meal plan for that particular week, it isn’t likely to be eaten. Move on and don’t waste your money, even if it’s on sale. Don’t forget to have fun! It takes trial and error to figure out a plan that works for you and your family but the benefits are worth it. ","url":"/learning-hub/blog/meal-planning-to-save","category":"BlogCategory"},"bfd57655-90e2-5992-b675-059d4de6fccc":{"page":"7 affordable date-night outfits","description":"Craving a little one-on-one time with your partner? It’s almost Valentine’s Day, which means it’s time to start thinking about the perfect ensemble for your date activity of choice. These easy Valentine’s Day outfit ideas pair thrifty new items—think a cute dress or checkered shirt— with pieces that you probably have in your closet. Wear one of these affordable date-night outfits and wow your loved one, whether it’s your first Valentine’s Day as a couple or your 10th. Date 1: Ice skating under the stars The outfits: Few dates are as romantic as gliding around a frozen rink, hand in hand. But what to wear when you want to stay warm and look cute? Choose colourful pieces and slim trousers or jeans to balance the proportions of a puffy parka. To round out the look, layer a cozy turtleneck underneath the parka for extra warmth and top it all off with a knit beanie (with pom-pom, please!) and matching mittens. Date 2: A cooking class for two The outfits: It’s time to get messy! Since ingredients will be flying, keep your look casual and avoid white pieces that will easily stain. You’ll likely both wear aprons throughout class, so take that into consideration when picking an outfit. Women: Choose a blouse with interest around the neckline and shoulders. Pull back your hair so it’s off your face and feel free to incorporate hair accessories or drop earrings. Men: A checkered shirt with rolled-up sleeves suits the venue. Date 3: Jazz and cocktails The outfits: If you plan to spend your evening in a dimly-lit venue, with a beverage of choice in hand, choose an outfit that will stand out. Women: For the best effect, date-night dresses might feature a special fabric (velvet, sequins, silk or lace). Add sparkly earrings and a pair of colourful heels to complete the look. Men: Stick with a light-coloured button-down Oxford shirt and dark slacks. Your partner won’t be able to look away! Date 4: A basketball or hockey game The outfits: You have a few different outfit options when it comes to cheering on your favourite sports team. Plan to wear a jersey? Men and women alike can streamline the rest of the look with slim trousers and ankle boots. Men: If you’re skipping the merch, keep things simple with a hoodie over a fresh white tee. Women: Consider pairing your ankle boots with a sweater dress and cropped denim, suede or corduroy jacket. Add touches like bangles, rings or layered necklaces. Date 5: A couples’ workout The outfits: Even if you’re a loose-tee-and-sweats kinda couple, a Valentine’s Day workout is the time to take the outfits up a notch. Women: Aim for leggings with a fun print and a moisture-wicking tank. If you plan to grab coffee or smoothies after class, pull your look together with a fitted hoodie or active jacket. Men: Opt for joggers with tapered ankles and a moisture-wicking shirt. Date 6: Dinner and dancing The outfits: Ready to kick up your heels? You need an outfit that you can twirl in. Women: Skip pencil skirts in favour of wide-legged trousers or an A-line skirt with block heels. A silky camisole is the perfect finisher. Men: Try a fitted V-neck sweater and stretchy chinos. Date 7: A cuddle-friendly movie marathon The outfits: For any date that involves cuddling on the couch, comfort is a priority. But instead of wearing ratty old pajamas, try a fresh PJ set. Keep your feet warm with slippers or thick wool socks. Find everything you need for a range of affordable date-night outfits at Joe Fresh®. You can even earn PC Optimum points on every purchase, which is rewards right back in your PC Optimum account. ","url":"/learning-hub/blog/7-affordable-date-night-outfits","category":"BlogCategory"},"736022d2-18bb-56a2-b67e-b178401f8e2a":{"page":"Creating a Crowd-friendly Taco Bar ","description":"Hosting a gathering is already stressful enough, but catering to the crowd doesn't have to be. Offering your guests a variety of options guarantees that even the pickiest palate will be satisfied. Instead of preparing a bevy of dishes, however, consider setting up a build-your-own taco bar. Whether your guests fill them with carnitas (braised, shredded pork), fish, barbacoa (slow cooked meat), eggs or grilled vegetables, serving tacos isn’t simply interactive—it also allows everyone to make them to their taste and is affordable. Since they’re able to customize their meal, guests can choose to go meatless, avoid dairy-based toppings, or assemble their tacos using corn tortillas if they're gluten-intolerant or lettuce leaves if they're avoiding carbohydrates. Make entertaining on a budget easy with store-bought condiments and fixings. To reduce stress on the day of the gathering, wash and prepare the produce and grate cheeses in advance, storing them in ready-to-serve containers or plastic wrap–sealed bowls in the refrigerator. Or make it a potluck by assigning items for guests to bring. If you purchase tortilla chips or make your own chips by baking tortillas, you've now added the option of making nachos. The only thing missing is a margarita bar, but that's another post. Ingredients, separated: Hard taco shells and soft tortillas: offer an assortment that might include corn, flour and whole wheat Butter lettuce leaves Meat: offer an assortment that might include store-bought rotisserie chicken, seasoned ground beef, grilled steak, carnitas, pulled pork or roast pork belly, grilled shrimp and firm fish like mahi mahi and tuna (delicate species like salmon or catfish also work if handled carefully) Beans: Cooked pinto or black beans, or refried beans Rice: offer Mexican or plain rice Roasted, grilled or sautéed vegetables: choose a mix of chopped zucchini, mushrooms, bell peppers, onions and halved avocados Thinly-sliced iceberg lettuce and/or green and red cabbage Chopped tomatoes Chopped white onions or pickled red onions Jalapenos, mild pickled and fresh sliced Chopped cilantro and green onions Guacamole Salsa: offer a range of everything from mild to hot salsa, salsa verde, pico de gallo, and corn, pineapple or mango salsas Sour cream Shredded cheese: offer an assortment that might include cheddar, Monterey Jack, pre-packaged cheese blends, and crumbled queso fresco (a semisoft fresh Mexican cheese) and cotija (a hard, crumbly Mexican cheese) Grilled pineapple: for fish or pork tacos Lime wedges Table set-up, in order of taco assembly: On one end of a long table or counter, place all the flatware, napkins and plates. Set chips, butter lettuce leaves and warmed shells and tortillas next to the party tableware. For warm tortillas, wrap stacked tortillas with foil and heat in a 200°F oven for up to 30 minutes, before removing them from the foil and wrapping them in a kitchen towel. Shells can be warmed in a 350°F oven for 5 minutes or until crisp then transferred to a plate. Arrange bowls or warming pans filled with rice or beans, crockpots holding stew-like items, and platters with meat, fish and/or poultry in the centre of the table. At the remaining end of the table, lay out bowls of toppings, including chopped vegetables, shredded or crumbled cheeses, condiments and garnishes. Enjoy!","url":"/learning-hub/blog/creating-a-crowd-friendly-taco-bar","category":"BlogCategory"},"fd703284-d0ae-508c-83b5-69e619da4385":{"page":"Happy Birthday, Honey","description":"Today, bragging rights often go to those who throw the perfect children's birthday party. But what if the birthday boy or girl is your spouse? How can you throw an inexpensive birthday party for adults? Whether you're planning a surprise or not, here are some suggestions for giving your significant other a fun birthday party without the stress and high cost. Start Planning Early If you want to throw a surprise birthday party on a budget, last-minute scrambling is a bad idea for your wallet and your stress level. Begin well in advance by setting your maximum budget. This will help guide key decisions like venue, decor, food and beverage choices and the number of invited guests. If it's not intended as a surprise party, collaborating with the guest of honour is practical. Enlist Friends and Family Whether asking for help with hosting, distributing invitations, making food and drinks, creating a cover story (if it’s a surprise party), occupying the guest of honour until party time or going in together on a more expensive gift, friends and family can truly be your best resource. Don't Let the Menu Stress You Out If you're tight on time and energy (or are keeping it a secret), online grocery shopping through PC Express lets you sneakily shop for party food online anytime, anywhere, and then you can pick up your order when it's most convenient for you—and when it's least likely to spoil the surprise. Save money on food by inviting guests at non-mealtimes and serve only appetizers instead of a full dinner or fancy meal. Try to Get an Accurate Headcount Finalizing your guest list will help you avoid costly over-buying. You can find food and drink calculators online to help estimate how much of each you'll need on hand. Get Creative with Decor Keep it simple and focused around the birthday person’s interests. Picking a theme, even if it's just your partner's favourite colour, will help keep you on track. Skip expensive paper invitations and opt for e-vites—and forego loot bags entirely. Have fun with low-cost décor—you name the theme, and there's likely a set of free printables you can find online to suit, including banners and party signs, water bottle labels, cake toppers and photo booth props. Pare Back the Booze Alcohol can be a huge party expense, so if you're looking for a way to entertain cheaply, don't stock a full bar. Opt for serving just beer and wine (don't forget water and sodas). If you'd like to provide a hard-liquor option, create a single signature drink for your guests. That way, you can avoid purchasing many bottles of assorted liquor that may not be consumed, and the custom cocktail will seem like a special touch. Record It for Posterity Don't forget to take lots of photos and videos of the big event so the two of you can look back and enjoy the memories!","url":"/learning-hub/blog/throwing-a-budget-surprise-party-for-spouse","category":"BlogCategory"},"862fa7c0-dbff-5e30-aa79-9b11d4ab9207":{"page":"How To Give Clothes A Longer Lease On Life","description":"Some clothing seems to be a bit like fast-food these days—quick and disposable. Why sink more money into fashion that’s not built to last? Try the alternative: Invest in quality garments and take greater care of the items you already have. Your wallet (and the environment) will thank you. Here are some great ways to save money by extending the life of your clothes: • Learn to make basic clothing repairs, such as replacing buttons, fixing straps or hemming pants. You’ll hang on to a garment longer and save on alteration and mending fees. • Add to hems: Children grow out of clothes so quickly and often “up” instead of “out”. If an item still fits—apart from pant or shirt cuffs that are suddenly looking like a flood is coming—try sewing a coordinating or contrasting piece of fabric, lace, wide ribbon or fringe to the edge of hems. Your child will rock a stylish, one-of-a-kind piece that also saves you money (and repeated trips to the store). • Spruce them up: There’s no need to buy a whole new wardrobe every time the season changes. Refresh tired outfits and basic quality pieces with some judicious spending on one or two trendy items, such as affordable Joe Fresh® clothes, shoes and accessories. • Embrace the imperfect: It’s inevitable that clothing receives the occasional tear, snag or stain. Instead of tossing away damaged clothes, consider learning some basic embellishment techniques, such as applique, embroidery and mending using colourful threads or patches (it’s really not hard!). You’ll add character and charm to something you previously wanted to hide. An online search for “visible mending” might even make you wish you had more unplanned holes in your jeans or sweaters. • Encourage hand-me-downs: Don’t let clothes from your eldest slip out of your hands without first considering if they can be modified and made appealing to a younger sibling. Decorative patches or iron-on transfers, a quick nip of the waistband, dye job or any of the other tips above might give the item a second life, doubling (or more) the return on your clothing budget. • Care for them properly: Unless an item is visibly dirty or smells, there is absolutely no need to wash it every time it’s worn. Really! Over-washing is a sure-fire way to wear out a garment faster than necessary; the same is true of dry cleaning. When you do wash something, follow the care label, use a garment bag for delicates, avoid using too much detergent or water that’s too hot for the fabric, wash dark clothing inside out, and don’t overstuff your machine. Line drying is also easier on clothes and your pocketbook. Also learn how to fold a shirt, or how to fold your jeans to keep them looking newer, longer. Store items with care—cool, dry and dark spaces are best. Heavy items like sweaters should be folded and stored on a shelf rather than on hangers where they could get stretched out or otherwise misshapen. With a bit of thought and minimal effort, it’s easy to make the most of your wardrobe simply by appreciating and caring for what you already have. Find more tips for maximizing your clothing budget here. ","url":"/learning-hub/blog/how-to-give-clothes-a-longer-lease-on-life","category":"BlogCategory"},"0794a49e-b8bf-546d-aa0a-526265e8d552":{"page":"Tips for Family Travel on a Budget ","description":"February’s grey skies and cold spells can’t help but fill many a Canadian with a longing to escape. While there’s no doubt that a trip can help alleviate the mid-winter blahs, it can be expensive to get away when you have kids in tow. Don’t let the budget blues clip your wings— these tips will help you master family travel on a budget. Embrace Cabin Fever If you’re looking to travel cheap with kids, consider ditching vacation dreams of sun and surf and opt to stay in Canada. Not going far doesn’t have to be boring—there are plenty of fun and affordable vacation options that don’t include air travel. Why not rent a cottage (often available in winter at a fraction of what they would cost in summer) in a nearby winter wonderland and embrace the cozy warmth? There’s no better excuse to spend quality family time together with board games or movies than a comfy cabin on a cold winter night. Renting a cottage also facilitates the affordability of a vacation because you can cook your own meals and save money by not eating out. Better yet, redeem your PC Optimum points towards free groceries to bring with you. Be Flexible If your heart is set on travelling to a sunnier clime, you can be smart about cutting the cost of airfare by going at an off-peak time. March break, for example, is one of the most expensive times of the year to take off and is best avoided when prioritizing cheap family travel. Try to be as flexible with your dates as possible for the best bargains. Reap Rewards When booking your travel plans, consider using PC® travel services, where PC Financial Mastercard cardholders can earn up to 3x the regular PC Optimum points on their travel purchases. Slow Down Don’t try to do it all. When travelling to a new place, it’s common to try to fit in as much as possible. You may feel like you need to hit every family-friendly attraction, museum and event you possibly can, but the impulse to see and do it all can really hamper the actual enjoyment of the moment and will make it harder to travel cheap with kids. The faster you need to move, the more your transportation and attraction expenses will increase—so don’t over plan. Remember that the goal of family travel is to spend time with those you love and not stress yourself out with a long and costly list of must-dos. Focus on Experiences Who doesn’t love to come home from vacation with a suitcase full of souvenirs? While it may be gratifying to return with keepsakes, the urge to souvenir shop—or do any shopping at all, for that matter—can really rev-up the cost of a trip. Travelling with kids can be particularly expensive because it can be tempting to let them stock up on mementoes, especially if it keeps them engaged and happy. Family travel on a budget is easier when you keep in mind that the point of your trips is to collect memories, not things. ","url":"/learning-hub/blog/tips-for-family-travel-on-a-budget","category":"BlogCategory"},"21725651-915c-5495-afe9-d15caf4bcd00":{"page":"The most Canadian things for Canada's big 150","description":null,"url":"/learning-hub/blog/the-most-canadian-things-for-canadas-big-150","category":"BlogCategory"},"b74ff454-947e-51e8-96ef-261b8b019cc8":{"page":"Tips for an Affordable Valentine’s Day","description":"Valentine’s Day is a wonderful opportunity to show someone special how you feel, but all too often it can lead to an awkward moment when it comes time to pay the bill. Luckily, it’s much easier than you think to show how much you care without breaking the bank. So, put aside your plans of extravagant spending and show your partner that passion can go hand-in-hand with penny-pinching with these affordable Valentine’s Day ideas. Stay In\nYou’ve heard of a staycation, right? Well enjoying a romantic evening together doesn’t have to entail leaving the house and hitting the town. There are special experiences to be had right at home if you use a little effort and imagination. One of the best inexpensive date ideas is to redeem some of those PC Optimum points for some high-end grocery items like PC® Black Label Collection products and make a three-course meal from scratch. Or, if you don’t have the time to cook, order in but give the meal an upscale, restaurant-quality feel by using special dishware and setting an elegant table. Make A Homemade Gift Basket\nWho doesn’t love getting a gift basket of interesting and tasty items? Another affordable Valentine’s Day idea is to gather together some of your beloved’s favourite things, such as a plant, a book and some homemade cookies and put them in a beautiful basket. Print out and frame a particularly meaningful photograph (maybe taken on your first date or vacation together) and add that to the basket as well. The time and thought you put into selecting each of the items in the collection is one of the purest forms of saying “I love you” to someone. Go on A Treasure Hunt\nWhat better way to show how much you value your partner than with a treasure hunt? Scatter some notes around town with clues that reflect special moments the two of you have shared together, such as the restaurant where you had your first date.met.. Have the scavenger hunt lead back home to where your loved one will find some popcorn and a movie waiting—the perfect opportunity for some time together. Rediscover Your City \nMost communities have lots of activities going on that are specifically designed to be affordable. Investigate a city museum, whisper sweet nothings during a lecture at your local library, bond over a game of bingo at the community centre or go for a free skate at a nearby park’s outdoor skating rink. The More the Merrier\nAnother cheap date idea is to celebrate your love in the company of other love birds. Get your fave couples together for a potluck (a super way to save money on food while enjoying a delicious meal) and have a game night. If you feel like going out, you can all head out to a roller rink, karaoke bar or just take advantage of the wintery weather and go sledding or snowshoeing. Spread the Love\nWhy not make Valentine’s Day about spreading the love around by doing a volunteer activity together at a local charity? Remember, the essence of love is compassion and kindness and doing nice things for others is unique way to show your partner the altruistic, generous side of your personality. You don’t even have to go far to give a helping hand. You can offer to take a friend’s dog for a walk or shovel the snow from your neighbor’s sidewalk. Just think of the warm fuzzies you’ll feel and the bond it will create knowing you did something kind as a couple.","url":"/learning-hub/blog/tips-for-an-affordable-valentines-day","category":"BlogCategory"},"49ec83c7-a057-50f4-b10a-c7c4fe45b266":{"page":"How to Stop Living Paycheck-to-Paycheck ","description":"First job? Congratulations! But, despite the steady paycheck, do you still find it hard to save? Do you struggle to make it until payday? If you answered yes to either of the above questions, you may be a Canadian living the cyclical paycheck-to-paycheck nightmare. With a few small adjustments to your lifestyle you may be able to cut out a significant portion of the financial fat holding you down. Set a budget that sticks \nThe first, and perhaps most important, step to saving money is setting up a budget and sticking to it. Take a couple hours to sit down and go over typical day-to-day expenses, from buying milk to paying rent to hitting the gym. Write these expenses down in a column and rank them in terms of importance to your life. Once your list is complete, compare the expenses to how much money you’re taking in. Proceed to eliminate any items which you can afford to trim. Pretend you have less \nWhether you’re at the store or catching up with friends at a local restaurant, try to block your most-recent paycheck out of mind. Convince yourself that you have less money than you do and you might end up spending less as a result. Pay off debt \nDebt is a significant contributing factor to the paycheck-to-paycheck cycle. When you have a debt to pay, the tendency is to avoid paying if off, which can mean spending any money you make. With a debt hanging over your head what’s the point of saving money, right? Look at your debt as a plug in your savings process. Before you can go on your next trip, before you can buy more clothes and before you can start stashing away money for a rainy day, take care of your debt first. Once you pay off the money you owe, you can start owning the money you make. To start tackling debt, identify bills with the highest interest rates and tackle those first. Although you do not have to completely pay these off with one swipe, try to pay as much as you can afford on these higher interest bills. For the rest, maintain at least the minimum payments. Say ‘No’ \nNew restaurant down the block? New movie out today? Friend wants to go out for the third time this week? Feeling pressure? It’s OK to say ‘no’ sometimes. While you do not have to lock the doors to your apartment and say goodbye to your social life, not going out every night has definite financial perks. When you take all of the money you spend eating out, meeting up with friends at night or the monthly weekend getaways, there is quite a pile of cash on the table. By simply not agreeing to do everything, you can save money to do more.","url":"/learning-hub/blog/how-to-stop-living-paycheck-to-paycheck","category":"BlogCategory"},"a51b5d6e-d339-5d6a-aead-613c54630cfb":{"page":"New Year Resolutions for Better Spending Habits","description":"There’s never a wrong time to start implementing better money habits, but as we review the old year and look forward, now is a great time to get your financial house in order. Here are five financial resolutions you can make—and keep—this New Year. Keep a money journal Keeping a written record of exactly where your money is going on a daily basis can be a great way to become more money-conscious. The idea is to honestly and diligently record every dime you spend, from mortgage and utilities payments right down to each cup of coffee, newspaper and pack of gum (it’s easy to overlook the little things, but they add up). At the end of each week and month, you’ll have a detailed account of exactly where your money has gone. It won’t take long to find places where you can scale back and be more mindful of unnecessary purchases. Find a format that’s convenient and easy for you to stick with (whether digital or pen-and-paper) and record each purchase as soon as possible. Consider noting other money thoughts as well, such as investment questions, goals, job/career ideas, or your values and beliefs about money. Create, review (and stick to) a budget In its simplest incarnation, a budget is a list of your household’s sources of income versus your household expenses. A successful balance of the two sides typically sees you left with extra money that you can use to achieve your long- and short-term financial goals. If you fall short, your options are a) earn more money, or b) spend less. How you break down discretionary spending (what’s left over after the bills are paid) is up to you and many people find it helpful to discuss their plan with a banker, financial planner or investment advisor. It is important to decide upon those long- and short-term financial goals ahead of time so you know what you’re working towards. Make a plan, review it regularly to keep yourself on track and you’ll be in better control of your financial picture in no time. Curb unnecessary spending This New Year’s resolution is where you can get really creative, but it may also put your willpower to the test. A good strategy is to discover and avoid your spending “triggers,” such as shopping on an empty stomach, surfing online shops at 1:00 a.m. or going out with friends for a bit of “retail therapy.” Another useful strategy might be to tape a note or picture onto your debit or credit card—or somewhere else you’ll see it regularly—to remind you what you’re saving for and boost your motivation. Check out a ton of simple, everyday ways to spend less here. Review your bills Instead of robotically paying bills each month, take a few extra minutes to go over each bill and statement line by line. You may be alerted to errors or charges you don’t understand and can contact the business or utility to dispute or ask for clarification. You’ll also be able to identify and cancel services that you no longer use or need, such as cable channels or subscriptions. Companies are often willing to work with you to reduce your monthly bill in a bid to keep you from heading to their competitors, so it never hurts to call periodically and renegotiate for a lower price or better deal. Start planning for the future If you haven’t already, start thinking about retirement, no matter how old you are or how far off your golden years may seem. The earlier you start to put away even a little bit of money regularly, the more time you’re giving your dollars to grow. At the very least, don’t shy away from educating yourself on financial matters this year. Be open to reading personal finance articles, books and blogs or listening to financial podcasts to help you prepare for any financial issues that may arise.","url":"/learning-hub/blog/new-year-resolutions-for-better-spending-habits","category":"BlogCategory"},"300e01eb-e05e-5997-99df-fc442321954f":{"page":"Tips to Make the Most of Your Credit Card ","description":"Here are tips for making the most of your credit, while building healthy finances. Get to Know – And Grow – Your Credit Score Credit scores are an indicator of how well you manage and pay back debt, which can include credit cards, lines of credit, car and mortgage loans as well as bill payments. Most often, though, your credit score is largely based on credit card usage. Without a credit score, it’s difficult to get other loans, such as a mortgage, so using a credit card and paying it on time each month can help you meet your financial and personal goals.\n\nScores are usually between 400 and 900, with above 600 being average and higher than 750 being “excellent.” The score is a snapshot of a certain period of time, so if your score is low, you can turn things around. A quick way to up it is to pay down your credit cards, aiming ideally for less than 30% of the total credit available. It’s important to always make your payments on time, too. With the President’s Choice Financial® Mastercard® you can make payments easily and swiftly through telephone and online banking, which is processed same-day. Manage Your Card Wisely Most dings to a credit score result from mismanaged accounts, which is why it’s good to be keenly aware of your credit limit, annual fees, interest rates and bill payment schedules. Raising your credit score can be as simple as keeping your credit below the limit and paying more than the minimum amount on time. With automatic bill payments, e-alert options and 24/7 access to your account through a secure online site, having the PC Financial® Mastercard on your side makes this a snap. Get Ahead of the Game \n\nCreating a monthly budget and setting calendar alerts makes paying your credit bills no-fuss. Budgeting for fixed expenses and the extras can help avoid a credit statement surprise. It’s also a bonus if you can maximize the rewards your card offers. With the no annual fee PC Financial Mastercard you earn 10 PC Optimum points for every dollar spent, which you can put towards groceries, fashions, home décor and more at participating stores where President’s Choice® products are sold! We make staying on top of your finances easy.","url":"/learning-hub/blog/tips-to-make-the-most-of-your-credit-card","category":"BlogCategory"},"23fee09c-a2d1-5e50-875a-4b4065f65807":{"page":"4 Frugal Outdoor (and Socially Distant) Activities for Parents with Kids","description":"Now that the weather is getting warmer, it’s a fantastic time to get out of the house and take in what nature has to offer. Whether on your own or with other members of your household, there are so many possibilities and so much to explore. One of the best parts about the great outdoors is that enjoying the fresh air doesn’t have to cost a lot. In fact, there are times when it can cost nothing at all. Here are some money-saving tips and free outdoor activities to explore in Canada to make the most of the good weather: Trails You’re probably a close drive away from at least one free hiking trail in your province. Not only is the fresh air going to be good for you, but this is also a chance to get some distance from others and benefit from some valuable ‘you’ time. Take in the zen-like experience of the quiet expanse. Appreciate the shapes of tree leaves and the colours of flora. While unplugged from mobile devices, enjoy the company you’re with and the in-person conversation. Bring an old-fashioned map and compass for added fun. And for the kids, up the cool factor and turn the outing into a treasure hunt where X marks the spot of a buried mystery item. (If that’s not your thing, many parks have biking trails for you to enjoy with your family). Be sure to pack a windbreaker or raincoat for your outdoor adventures. There are lots of fun colours to choose from at Joe Fresh®. Nature Crafts Did you know that the great outdoors is a treasure trove of nature crafts? Here are a few ideas to keep the kiddies enchanted, and rev up their creativity. Indulge in the ancient art of stone painting. The first part of the adventure is the hunt for good stones. Try the schoolyard, the backyard, nearby waterfront, or a park. With stones in hand, and a simple watercolour paint-set, challenge the little ones to make designs that are fun and reflect their personality. For larger stones – such as ones that fit in the entire hand – there’s more potential for drawings of their favourite cartoons or characters. The fun of it is giving them away as gifts to friends, grandparents, or teachers, or decorating the porch with these unique creations. A variation on the theme is stick painting. It’s an inventive way to utilize some of those fallen branches from around the house, or from your neighbourhood park. After painting, you can set aside a little patch in the front yard to “plant” them, showing off the artistic flair of the kids’ stick garden. And finally, have you got an old shoe box or two lying around? Or perhaps a box from a delivery? Help the kiddies make a three-dimensional cardboard diorama, furnished with stones, dirt, sticks, pebbles, leaves, and anything else they can forage. Pull out that aforementioned watercolour paint-set, and the sky’s the limit as to what they can create: a landscape, a city, a village, a seashore, and on and on. Plant a garden This is a fun family activity. If you’ve got space in your yard—or even a balcony—everyone can take turns digging a reserved plot or adding soil to a planter. From placing the seeds in the soil, to watering, to making signs indicating what grows in which row or pot, kids can find this to be an exciting way to learn about nature. The amazing world of coloured sidewalk chalk This is as easy and fun activity that only requires some concrete area or a large enough paved driveway (one you have permission to use). Bring print-outs of the pictures that the kids have decided in advance that they want to draw and emulate. The chalk is their paint; the concrete their canvas. This activity can also turn into a games day by drawing hopscotch, an old standby. Bring out checker pieces and draw a board on the ground. Why not try a competitive multiplayer version of “Who can guess the picture I’m drawing?” Meanwhile, they can also enjoy the wonders of chalk paint. Here’s how: Using a rock like mortar and pestle, crush some of that chalk onto the sidewalk. Scoop it up and place it into a bowl, add water, and mix. Offer the kids an array of paintbrushes for artistic expression and find them appropriate canvases … on driveways, cardboard boxes, or even the backyard fence. The great part is that it’s all washable and kid friendly. (And, using your PC Financial Mastercard® to pay for chalk and brushes helps make sure you’re earning PC Optimum points on your purchases.) There are many inexpensive ways to enjoy yourself outside and they’re limited only by your\nimagination. Have fun out there!","url":"/learning-hub/blog/4-frugal-outdoor-and-socially-distant-activities-for-parents-with-kids","category":"BlogCategory"},"c607f812-bbc9-51ab-bc7c-fcb3678f43a2":{"page":"Credit Card 101 for University Students","description":"Is your child (err, adult) ready for a credit card? Before they start charging, help them learn the value of building healthy credit with these smart credit card tips. Tip #1: Choose the Right Card \nOne credit card is all he or she will need – as long as it’s the right one! Tell your child to watch out for introductory credit card offers that try to lure university students in and then hike the rates two months later. A good way to start learning financial responsibility is to get a prepaid card. This will give him or her a chance to practice responsibility with a payment card before getting one with a credit limit. Tip #2: Avoid Payment Pitfalls \nCreating a solid credit score means forming good habits from the get-go. As with other bill payments, repeatedly late or missed credit card payments – even for small amounts – can damage your child’s credit score, which could create setbacks in the future when trying to, say, buy a car or apply for mortgage. To make payments easier, he or she can set up automatic payments through online banking. Keeping credit limits low can also make planning for payments stress-free. Look together at your child’s monthly expenses and work to create a budget he or she can manage. Tip #3: Be Intelligent About Interest \nTo prevent credit card interest from getting out of hand, show your child why it’s wise to pay in full each month as opposed to the minimum credit card payment. It’s also important to be familiar with your credit card’s policies to understand how interest rates may increase, if there are missed payments. Tip #4: Reap the Rewards \nAdvise your child that if a company is offering a reward to make sure that the annual fees don’t outweigh the incentive – and that it’s one she can actually use. The PC Financial® Mastercard® has no annual fee and offers PC Optimum points. He or she can earn 10 points for every $1 spent and PC Optimum points can be redeemed for student essentials at participating stores where President’s Choice®products are sold. Learn more about the President's Choice Financial® Mastercard® options.","url":"/learning-hub/blog/credit-card-101-for-university-students","category":"BlogCategory"},"b79da017-4307-50b0-8d3e-216f5c20c353":{"page":"5 Parts of Your Business to Splurge (and Save!) On ","description":"So you’re thinking of starting your own small business, huh? Congrats! Being a small business owner is exciting, rewarding and ambitious. But before you start popping the bubbly and diving straight in, it’s important to look at your budget and expected expenses to ensure you’re not splurging on the areas of your business where you could be saving. Splurge on: A good accountant \nYou’ll never hear a small business owner say they regret spending money on an accountant to oversee their finances. While it’s always important to know what’s happening with your money, having an expert manage your finances and handle everything from expenses to taxes is worth its weight in gold. Speak to peers within your industry for a reference – you’ll want someone who understands the type of work you do and the legalities around your field. Save on: Office space \nHaving a space to call your own is the dream for most small business owners, but in big cities where rental fees and utility costs can run sky-high, having a bricks and mortar office can be a huge hit to your budget. If you have a small team, consider a home office to cut costs or perhaps a shared workspace – you may be able to find a remote working facility that allows you to become a member and gain access to everything from a hot desk to a dedicated boardroom for a fraction of the cost. Splurge on: Branding \nFirst impressions are everything, especially when it comes to your business. Before you launch your online shop or open the doors to your new cafe, hire a freelance branding specialist to create your visual identity – what people see when they view your website, social media or advertising. Your logo and aesthetic is what draws people in and defines who you are as a business, and good branding is often what keeps them engaged. It’s a one-time payment that has lasting rewards. Splurge on: Digital marketing \nOnce you have your branding done and a great website to showcase your business, spend some money on driving traffic to it. Search ads, influencer marketing, boosted social media posts – all of these things will get your business into the right customers’ faces. Find a freelance digital specialist who can help you with the above, but that can also set you up with good search engine optimization (SEO) so your business is showing up on the first page of search engines when people search for something within your field. Save on: Staffing \nMost small businesses start out with one or two employees (that’s you!), then grow and reach that inevitable point of, “Should I hire more staff?” Instead of immediately hiring a full-time employee and dedicating budget to salary, benefits, and expenses, consider what tasks can be outsourced to a contractor or freelancer. Work like web development or copywriting doesn’t always require full-time hours, and you’ll likely be able to hire a more experienced freelancer for less than the cost of a full-time junior employee. ","url":"/learning-hub/blog/5-parts-of-your-business-to-splurge-(and-save!)-on","category":"BlogCategory"},"c0e3f59c-564b-5437-90e3-336d4ee3b470":{"page":"How Planning A Garden Can Help You Save This Spring","description":"\rIt may be hard to imagine while your yard is in hibernation, but spring will eventually come. While you wait, why not plan to create your own garden to supplement store-bought groceries this upcoming season? You don’t have to spend a ton of money to (literally) reap the rewards of home-grown fruits, vegetables, flowers or herbs—but forethought is key. Here are some tips for planning out how to save money growing vegetables.\r\n\r\nAssess your circumstances \r\nAnyone facing the beginning of the season with a random wheelbarrow of plants, gardening tools and fertilizer risks watching those plants die and losing hard-earned dollars along with them. Having a strategy heading into the growing season can help cut down on the time, effort and money required for a successful garden. The first step is to figure out what you need and want out of a garden, how much space you have for it, and how much time and physical ability you have to establish and maintain it, keeping in mind tasks such as weeding, watering, fertilizing and harvesting. \r\n\r\nSelect your crops\r\nIf you’re gardening to save money, choose items that you and your family will enjoy eating and that also grow well in your region—Canada has 10 climate zones, ranging from 0 in the coldest regions with the shortest growing season to 9 in the mildest areas. Here are some of the best vegetables to grow to save money. \r\n\r\nChoose your plot\r\nFor the happiest veggies, select a flat or gently sloping area that gets at least six hours of full sun a day, preferably more. Too much wind and not enough drainage can hinder plant growth, as can nearby trees that will shade your plants and compete for nutrients and water in the soil. Other considerations may include access to water, existing landscaping, foot traffic and even viewing angles. If you’re strapped for space, or don’t want to plant a whole garden bed, consider a container garden, which can be grown on even the smallest of apartment balconies.\r\n\r\nDesign it yourself \r\nForgo the expense of hiring a landscape designer or professional gardener. Your local library and online gardening forums will have loads of plant and garden design information to help you learn about plant requirements, effective layouts and how to build and install any infrastructure needed, from pathways to raised beds to simple irrigation systems. Draw a scaled map of your garden area—including existing trees, shrubs, slopes, patios and fences—to help with your design. Start sourcing low-cost supplies, such as old pallets, fence boards or bricks that can be repurposed into raised beds, vintage gates or bedframes you can use for trellises, or old pots and buckets to clean up and use as a container garden. Salvage yards, junk shops, garage sales and online freecycling sites can be a gold mine of inexpensive materials. \r\n\r\nPay attention to soil\r\nFor best results, do not skimp on soil quality. Use soil with an abundance of organic matter, not too compacted or sandy. An inexpensive way to enrich your soil is by creating and using your own compost. You might also find mulch, which will help insulate the soil and retain moisture, at low cost or for free at local tree-cutting companies or through your municipality. \r\n\r\nSource the plants\r\nGrowing plants from seed is a bit more work but far less expensive than purchasing larger plants. Search out seed swaps, ask for harvested seeds from friends and family and investigate local seed libraries that “loan” seeds at planting time in exchange for a portion of your harvested seeds at the end of the season. When the season starts, scope out gardening forums for plant swaps or look for individuals clearing out healthy plants and cuttings for free. \r\n\r\nStart small\r\nIf you’re new to gardening it’s advisable to start with a small project until you learn the ropes and get a better idea of how much you can realistically take on. Buy only the garden tools you need instead of investing in expensive equipment. A hoe, spade and garden fork will do the trick nicely in most cases as long as you’re willing to use some muscle power. Using a rain barrel can help cut watering costs and local freecycling groups, flea markets and garage sales can be good sources of gently used tools. \r\n\r\nCreate a garden journal\r\nKeep track of your plan and, as the season progresses, write down your observations about what is and isn’t working to help you re-evaluate when you start planning again for next year. Before long, you’ll be enjoying your harvest and taking pride in all your hard work.\r\n\r\nFor planning out ways to use all those fresh, homegrown vegetables, check out the PC Insiders subscription program, which offers access to food articles, videos and recipes through the INSIDERS PROJECT link (in addition to other benefits). \r","url":"/learning-hub/blog/how-planning-a-garden-can-help-you-save-this-spring","category":"BlogCategory"},"0dae2d76-6c90-5266-97fc-63c6dd681f26":{"page":"How to Budget with the PC Financial App","description":"With the current landscape, there comes a renewed focus on finances and a reminder about the importance of keeping household spending and savings on track. Budgeting is an important skill to master but keeping track of all the information you need can sometimes feel daunting. If you’re a PC Financial Mastercard® holder, fear not, you’ve got access to the super-helpful PC Financial app for your iOS or Android device. Here’s how to make the most of this app to better understand and manage your money this spring, summer and beyond. At its core, budgeting is simply balancing your earnings against your spending and savings. The PC Financial app is designed to provide a clear look at your account transactions and offer valuable information about the spending part of your budget equation. Log in any time to see all your up-to-date transactions and account balance. You’ll also find a spending tracker to help you see exactly where your money is going. You can view your monthly trends and explore insights into your spending habits. Instead of underestimating your monthly expenses, as so many people do, you can gain a clearer understanding of your true buying patterns. This offers you greater control over your money by helping you see places to trim spending on “wants” versus “needs,” increasing your chances of paying off debt faster and making more room for greater savings. No matter what you’re saving for—whether it’s a vacation, a new home, your children’s education or your retirement—getting your financial house in order using simple steps like taking advantage of these PC Financial app features can help you reach your goals faster. The app is also a convenient way to check in on your PC Optimum points balance and your redeemable value. (Tip: The more you use your PC Financial Mastercard®, the more points you’ll earn to redeem towards free stuff. It can really add up to offset some of your budgetary expenses! Log in to access your account on the go. It’s easy and secure with new optional bio-metric features that allow you to use your fingerprint or facial recognition for added convenience. Once there, you can set up and change custom alerts for what you want to be updated on, including payments made, purchase amount notifications, payment due dates, and more. You can personalize your profile quickly, upload a profile photo, and add trusted devices. You can also access customer support or lock your card with just a tap. It’s a new, quick and easy way to access and control information about your finances by putting technology to work for you and your unique circumstances. Making a budget doesn’t have to be overwhelming. Log in regularly and leverage the power that the PC Financial app can provide as you develop your financial road map. \nThe PC Financial app is available for iOS and Android devices. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google and the Google logo are registered trademarks of Google LLC. ","url":"/learning-hub/blog/how-to-budget-with-the-pc-financial-app","category":"BlogCategory"},"15bc38fa-c88c-59bd-b037-3685dbd63853":{"page":"3 Important Things to Know About Cash Advances","description":"We’ve all been there. The month’s finances are a little tight, and you need to buy something with cash. Maybe you’re at a cash-only pharmacy or on vacation and in urgent need of local currency. Whatever the situation, a cash advance on a credit card can seem like a simple way to get out of a financial bind. Before you take advantage of this quick fix, here are three important things to know about cash advances. There are fees Almost every credit card in Canada charges an upfront cash-advance fee. You’ll either pay a percentage of your transaction or a flat amount. For the President’s Choice Financial® Mastercard® the fee is $3.50 for a cash advance in Canada and $5 for a cash advance outside Canada. Interest rates are higher Cash advances typically incur higher interest rates than everyday purchases. There’s no interest-free grace period for cash advances Unlike with everyday credit card purchases, you won’t be given an interest-free grace period to pay back the money you borrowed. When it comes to cash advances, interest accrues starting the same day as your advance. We all want financial peace of mind, so always ask questions and explore your options. You can find out more from the Financial Consumer Agency of Canada (FCAC), which provides valuable information to Canadians about financial products and services. Visit. canada.ca/it-pays-to-know or https://www.youtube.com/watch?v=h4Z5S8W96v0 learn more about the FCAC’s No $urprises campaign.","url":"/learning-hub/blog/3-important-things-to-know-about-cash-advances","category":"BlogCategory"},"8202053a-8c57-53e3-aaf8-ef875cfc6cdb":{"page":"4 Quick Ways to Build Your Credit Score ","description":"New to the credit card scene? Read through our simple strategies to grow your credit score today. Pay your bill on time. \nBuilding good credit can be as easy as paying your monthly bills when they’re due (late payments can stay on your credit report for up to seven years). With the President's Choice Financial® Mastercard®, you can set up pre-authorized debit payments from your bank account so either the minimum credit card payment due or the full statement balance amount will automatically come out of your account the day your payment is due each month. Know Your Limits. \nJust because your credit limit is high, doesn’t mean it should be reached each month. Your credit score factors in how much of your available credit you’re actually using. Make a budget to figure out how much you can afford to spend each month, and try to use no more than 25% of your available credit each month. Check Your Statements. \nMake it a habit to review your monthly credit card statements. It’s good to make sure there are no unauthorized purchases (which could be a sign of credit card fraud) and it helps you assess your spending patterns. Get the Results. \nOnce a year, you can get your credit report through Equifax Canada or TransUnion Canada for free. You can also receive your credit score for a small fee. An ideal score is 600 or higher, but above 750 means you’re a credit card rock star.","url":"/learning-hub/blog/4-quick-ways-to-build-your-credit-score","category":"BlogCategory"},"360efd25-01c3-52b0-aba5-9bcca60bf9ea":{"page":"5 Financially Savvy Things To Do When Starting a New Job ","description":"You know what’s really strange? Almost every job I’ve ever had started in the summer. And I’ve had a lot of jobs in my lifetime already. How many you ask? Well, in the past 10 or so years, I’ve held 12 different jobs. Now, before you discount me as another job-hopping millennial, to be completely fair many of those jobs were short contracts or the companies themselves went kaput. Nonetheless, I learned a number of helpful financial lessons from each of these jobs that I now want to pass onto you for when you start your next new gig. Dive Deep into Your Benefits Package I may be the only person in the world who does this, but I’ve got a really good reason for it. As soon as I sign on the dotted line for a new job, I grab my benefits booklet and start making notes What many employees don’t realize is that this benefits booklet can include hundreds if not thousands of dollars in savings. The sad thing is, when people don’t take advantage of these benefits, it’s like they are leaving free money on the table. For instance, you’d be surprised by how many medical expenses may be fully or partially covered, such as eye exams, new glasses, teeth night guards and massages. So, to make sure you take full advantage of these benefits, start making appointments as soon as you can (which may not be until after your probationary period). This isn’t a bad idea too if you’re thinking of leaving your current job for another one. Just sayin’. Participate in Your Employer’s RRSP Matching Program Another benefit of working for a company is some of them offer RRSP matching programs. Again, this is basically free money for the taking, so make sure to take it! Here’s an example of a RRSP matching program. You’re allowed to contribute 2% of your pay cheque, and your employer matches your contribution dollar for dollar. Then, your employer invests that money into a company investment portfolio, and you just have to sit back and let that money grow automatically. This was what my last job’s RRSP matching program looked like, and after contributing to it for almost 3 years, when I decided to leave I walked away with an extra $3,000 in my pocket thanks to my employer’s contributions. Not a bad parting gift. Take Part in Your Employer’s Elective Savings Program On top of participating in your employer’s RRSP matching program, you can also see if your company offers an elective savings program. An elective savings program is a way to help you save money without you having to do anything. What’s involved is your employer takes a portion of your pay cheque, puts it into a savings account for you and your money would grow without you having to lift a finger. Not all employers offer this program, so make sure to check with your human resources department to see if it’s an option. Update Your Budget to Reflect Your New Income After seeing how your employer can boost your financial situation, it’s time for you to review and update your budget. This is essential whenever your income changes, but the key thing to remember is that if your income increases, that shouldn’t mean you now have more money to spend. When I got my last job, my salary increased by $15,000. I thought I hit the jackpot, and wanted to treat myself by going on a bit of a shopping spree. Then I remembered how hard I worked to get to this point in my career. And then I remembered how broke I was after graduating university. I didn’t live by my budget so I could blow it one day. I wanted it to help me reach my goals and become more financially secure. So instead of going on a shopping spree, I diverted that additional income into my savings buckets and investments. Yes, it wasn’t as thrilling as buying a designer bag or a new smart phone, but now that I can see how much my savings and investments have grown over the years, I’m quite content with my decision. Figure Out a Route to Work that Won’t Hurt Your Wallet For most of my jobs, I’ve been lucky. They were located in areas where it wasn’t easy to spend my pay cheque during my lunch break. Unfortunately, my last job was literally on top of a mall with everything you could ever want. The temptations for spending on my way to and from work were everywhere, and I knew that to avoid wasting every dollar I was earning, there was only one thing I could do — figure out a better route to work. I tried a number of different routes, and after much trial and error I eventually found one that had little to no temptations along my way. If this sounds familiar, make sure to do the same the first week of your new job. Even if it adds a few minutes onto your commute, it will eventually become a habit and your bank account will thank you tenfold.","url":"/learning-hub/blog/5-financially-savvy-things-to-do-when-starting-a-new-job","category":"BlogCategory"},"758c8c3a-e7ee-50e5-8c71-5fa38a098042":{"page":"Are You Financially Ready to Have Children? ","description":"Choosing to have kids is a life-altering decision. And if you’re anything like the average millennial, the precarious state of the job market and the increasing price of housing may make you wonder if you’ll ever be ready to afford the cost of raising a child in Canada. These seven questions can help you decide if now’s the time or if you’re better off waiting a few more years. Are you and your partner in debt? Take a look at your collective student loans, mortgage, credit cards and any additional lines of credit. If you have a lot of debt, now may not be the time to add strain to your already stretched financial situation. Cut back on your spending, take on extra work or downsize your home to pay off your debt more quickly. You’ll need to have an in-depth chat with your partner, especially if you have different spending habits, to make sure your goals are in sync. https://www.pcfinancial.ca/english/blog/for-better-or-worse Do you have adequate maternity/parental leave? In Canada, if you’ve accumulated 600 hours of insurable employment over the year before you seek leave, then you should be entitled to maternity or parental leave. The total benefits are 55 percent of your average weekly insurable wages, up to a maximum amount, and then your employer may also top up those earnings. Before getting pregnant, tally your number of eligible weeks, decide if you will be splitting the leave with your partner and calculate the total amount you and your partner will earn in that time period. Can you afford what will likely be a temporary decrease in wages? What’s your health-care coverage? If you live in Canada, your children born here will have access to free healthcare. But don’t forget about the costs not covered by your provincial health plan, such as dental services, eyeglasses, braces and prescriptions. Check your coverage on your company healthcare plan, or consider purchasing a plan of your own. Do you have an emergency fund? Though it’s smart to have an emergency stash of cash no matter your family status, it’s even more important once you have children. Ideally, set aside enough money to cover three to six months of expenses so you have a safety net if one spouse loses a job or there is an unforeseen crisis that requires you to dip into your savings. Is your home big enough? Your living situation may be perfect for a couple of lovebirds, but what happens when a baby arrives? If you already live in a home with an extra bedroom or two, you’re set. But if you feel squished in your tiny apartment, you may need to move into a bigger home. Have a look at what your budget may allow, then research the areas of the city or country that give you the most bang for your hard-earned buck. Do you have access to childcare and can you afford it? In the early years before your child attends school, childcare may be the single most prohibitive cost you will encounter. If you and your spouse both want or need to continue working, figure out how many days you’ll need paid help each week, then research costs for childcare in your area and see if you can fit the added expense into your life. Can you budget for the basics?\t While it’s nothing compared to paying for daycare, the cost of basic necessities like diapers, a crib, a stroller, a car seat, clothes, toys, books and formula does add up. Whenever possible, put these items on your baby registry, or borrow newer, well maintained items from friends or family members. As your child gets older and needs more stimulation in the years before school, you’ll also need to consider the cost of activities, classes and camps. Let’s be real: If you wait until every single box is ticked, you may never have kids. But if you can’t give any of these questions favourable answers, then that’s not a good sign either. Get to the point where you feel reasonably confident answering most of the above questions (especially regarding debt and childcare) and you’ll likely be in a good place to start a family—financially, at least. ","url":"/learning-hub/blog/are-you-financially-ready-to-have-children","category":"BlogCategory"},"60ebdeb6-e660-54f1-a26c-7033c7becb9f":{"page":"What to do When Credit Card Mistakes Happen ","description":"Here at President's Choice Financial, we know credit card mistakes can happen. The good news is there’s no need to panic. Read on for advice on how to fix a slip up. Credit Card Misstep: I missed a payment \nWe all get distracted now and then. While this mistake will make a small dent to your credit score, building up a track record of consistently paying all your bills on time will provide the remedy. To help prevent missed payments in the future, you can set up automatic payments to your President's Choice Financial® Mastercard® for the minimum credit card payment or the full statement balance. Credit Card Misstep: I exceeded my credit limit \nWhen you exceed your credit limit, you may find that your card is declined or you face a penalty over limit fee for charges that go through above your allowed credit. It’s important to pay down the amount you are over as quickly as possible to prevent further charges being declined. Then assess whether the current credit limit meets your needs. If your account is in good standing, you can apply for an increase. Credit Card Misstep: I didn’t catch an unusual charge on my card \nWhile we monitor for unusual transactions, it’s important to read your credit card statement every month to spot unusual transactions that could indicate fraud, or if a retailer makes a mistake, such as billing you twice. If you see a questionable charge, contact us immediately and we can help provide a solution. Credit Card Misstep: You use too much of your available credit on a regular basis \nWant your credit card to have a positive effect on your credit score? Credit rating agencies will check how much credit you use compared to how much is available to you (that includes all credit cards and lines of credit). To improve your credit score, keep in mind that the more of your limit you use, the lower your credit score will be.","url":"/learning-hub/blog/what-to-do-when-credit-card-mistakes-happen","category":"BlogCategory"},"c18cb6aa-cda0-5c62-85f2-63624449efad":{"page":"4 Unconventional Ways of Saving Money ","description":"Just as there are no easy paths to saving money, there are no straight paths amassing a fortune either. While you may be using all of the traditional tricks and tips for saving money, there is always something else you can be doing to bag even more cash. Some saving methods are stranger than others, but a little creativity can sometimes go a long way. Here are just some more unconventional ways you can save money: Shop on a time limit Whenever you need to visit a store, set yourself a time limit and challenge yourself to be in and out in as little time as possible. Not only does this save you valuable time for more important things, but also ensures you stay focused on the essential items on your list without getting sucked into impulse buys. Buy more to save more Especially for inelastic home items, such as toilet paper or soap, sometimes buying in bulk can save you substantial amounts of cash. Whether on sale or as multi-packs, always look for chances to stock up on items you might be paying normal prices for otherwise. You may also save when you buy food items in bulk. At the grocery store, look for food items offered as multi-packs or packaged in larger sizes. These bulk items may be cheaper by volume than their single item purchases. Kill electric vampires When you go to sleep at night they stay awake glowing in the darkness. Electric vampires, also known as any appliance which constantly draws power, can be a drain on your home’s power and inflate your electricity bill. So, before powering down for the night, consider unplugging any chargers, computers, modems or any other devices which continue to suck electricity from your home. Watch your water intake Although water in our home often costs only fractions of a cent per litre, it adds up. By the end of the month, we are sometimes left scratching our heads over our water meter readings. But there are a couple of unconventional ways to save on your water bill: Navy showers: shower just long enough to get wet; turn off your shower; soap up thoroughly; finish with a quick rinse. Cooler showers: save on your energy bill and more than likely your cooler showers will be much shorter. A cooler shower in the morning can help wake up even the worst morning people. Wash your hair less: you do not have to look like a commercial every time you leave your house. Help save on water, hair products and, without the need of blow-drying, your electricity bill. Change your toilet: older toilets can require over 13 litres of water per flush. If you have an older toilet, consider swapping for a low-volume or dual-flush model to considerably cut your water usage. Turn off the taps: turn off your faucet in between rinsing and brushing your teeth to help save on your water bill.","url":"/learning-hub/blog/4-unconventional-ways-of-saving-money","category":"BlogCategory"},"9616f1e0-5a4e-5f2e-b576-8ba027d465f4":{"page":"Financial Spring Cleaning: How to Organize Your Finances","description":"Why only focus on your house when it comes to spring cleaning? The season is also a wonderful time to sweep away your bad financial habits—like accumulating debt and not prioritizing savings—and start fresh. Organizing your finances doesn’t have to mean a complete overhaul either; just a few simple steps can give your bottom line a surprisingly big boost. Here are some financial spring-cleaning tips that will help renew your net worth. Set Up an Emergency Fund This is a piece of advice you’ve probably heard hundreds of times, but there’s a reason that establishing an emergency fund is one of the top tips regarding how to get organized financially. Unpredictable life situations like job losses or serious illnesses can happen to anyone, no matter how cautious and organized they are. Make this spring the time you finally get serious about creating an emergency fund. Building a safety net is not the kind of thing you want to start thinking about only when you need it because it can take years to create a sufficient credit cushion. Aim to have three to six months of living expenses set aside to successfully shoulder rough financial times. Say Farewell to Annual Fees Savings plans aren’t the only things that require a refresh when you do a financial spring cleaning. Take a look in your wallet and see if your credit card selection could also use an update. Consumers will often get excited by large sign-up offers and apply for cards that don’t align with their spending patterns or needs. The next thing they know, they have a rarely used credit card that’s costing a yearly fee without netting any useful rewards. Consider applying for a no annual fee credit card, such as the President's Choice Financial Mastercard®. It’s a fast way to earn PC Optimum points that you can redeem towards free groceries and beauty items at Loblaw banner stores, Shoppers Drug Mart and Pharmaprix. Establish a Filing System You know that overwhelmed feeling you get when you consider just how much sorting, purging and scrubbing you will have to do when you give the house a thorough spring cleaning? Well, that’s the same sense of dread many people have when they think about how to get organized financially. It’s natural to feel overwhelmed, that’s why a system to get your financial papers in order is so essential. Few things can calm the credit chaos like having a neat filing system in place for your essential financial paperwork so that everything—tax returns, bank statements, receipts, mortgage documents and bills—can be easily retrieved and updated. Ditch Your Debt Carrying around a large debt load can severely increase your stress level and impact your quality of life. Ditch bad debt once and for all by coming up with a detailed plan for how you can make repayments. Remember: Tackling outstanding loans and credit card payments doesn’t have to be an all-or-nothing approach. Even making small monthly payments—as long as you are diligent about organizing your finances—can have a significant effect on getting your credit in check. Go one step further and consider automating bill payments (or at least set up automatic calendar reminders for bills that are due) so you never inadvertently miss a payment. Get Loyal Want a really easy method to save money? Loyalty programs are a wonderful way to reap rewards for daily items you are buying anyway. Consider which things you need the most—such as groceries and drug store products—and sign up for reward programs that earn you great returns. As a PC Optimum program member, you can earn points towards free groceries on your eligible purchases.","url":"/learning-hub/blog/financial-spring-cleaning-how-to-organize-your-finances","category":"BlogCategory"},"25ae2243-6e88-51b6-a663-1b947ab4c7e7":{"page":"The Frugal Vegan: How to Save Money on Groceries","description":"Once a fringe food movement, veganism, a diet containing no animal products, has gone mainstream, with grocery stores, restaurants and even fast-food chains all offering an increasingly wide array of vegan options. If the perceived high cost of going vegan—with its emphasis on fresh, high-quality produce and protein alternatives—is holding you back from exploring the movement, take note: buying vegan options doesn’t have to be expensive. There are ways to eat vegan meals without hurting your bottom line. Here are some easy-to-implement tips to help you save money on a vegan diet. Research It may seem overwhelming to try to eliminate all animal-derived products from your meals and it may be tempting to just buy costly, already prepared vegan products to make the transition to this diet. It’s important to do your research to learn how much protein your body needs and how to get it from non-animal sources. Search the internet for simple recipes that you can make yourself at home. Bulk Up The bulk food section of a grocery store can be a vegan’s best friend. Dry beans and nuts are typically a big part of a vegan diet, so stock up (especially when you see sales) to keep costs down and your pantry full and ready to go. These items can last for months if stored properly. Get to Know Your Green Thumb One of the best ways to save money on a vegan diet is to start your own garden. It doesn’t take a botany degree to grow tomatoes, kale, lettuce and more in your backyard—just soil, a trowel and some hard work and you’re all set. Be even kinder to your budget and get a rain barrel to help cut down on water use. Come May there are lots of garden centres that sell veggie plants and herbs at attractive prices—you don’t even have to know anything about starting veggies from seed. If you live in an apartment and don’t have a yard, you can still fill your balcony with different container-friendly produce (just be sure to check the rules to find out what’s permitted in your building). Many cities in Canada also offer free community shared garden plots—contact your city hall for information. If all else fails, there’s always room on a windowsill for a couple of tomato plants and some herbs. A Wholistic Approach Of course, for many people, veganism isn’t just about what food you put into your body, it’s also about using animal-free products whenever possible. If you’re looking to go vegan for wellness and beauty items, such as shampoo, moisturizers and makeup, you don’t have to rely on overpriced, luxury brands. Head to Shoppers Drug Mart or Pharmaprix for a selection of vegan beauty products and earn PC Optimum points on your eligible purchases.","url":"/learning-hub/blog/frugal-vegan-how-to-save-money-on-groceries","category":"BlogCategory"},"029a3e98-0fd9-5ede-b34b-70a235a17713":{"page":"General tips to save money at Canadian Destinations","description":"There are few more beloved Canadian traditions than the family summer vacation. Even if your travel plans don’t include a big budget, there’s plenty of things to do that won’t break the bank. Here are some great ways you can save money while traveling in most areas of Canada. Free Museum Visits Many museums across the country offer specific days (or half days) of the week when people can visit for free. Often children under a certain age like four or five can visit without paying an entry fee at any time of year. Some museums even feature special interactive activities for children to do as a way to get kids interested in natural history or art. Festivals Canadians know how to have a good time! Best of all, we know how to do so even while trying to pinch pennies. There are thousands of festivals of all sizes that are held across the country throughout the year, including cultural events, food festivals, outdoor interactive art displays and more. While not always free, most offer affordable activities and food tastings that the whole family will enjoy. Take A Hike What better way to get an appreciation of our country than by getting out in nature and coming face-to-face with the great outdoors. From the largest metropolitan centers, to the smallest, tiny-dot-on-a-map townships, you’ll find a veritable treasure trove of hiking trails every where you go in Canada. Though some of the national and provincial marks may charge a small entry fee, many offer discounts for families or a discounted yearly membership. Call City Hall Whether it’s your own hometown or a new city you and your family are just visiting for a day, never overlook the benefit of reaching out to local government to see what’s on the regional to-do list. Many municipalities offer free activities throughout the year and are more than happy to connect you with the local tourism department for details on what’s hip and happening. Call of the Wild Does the city have a local wildlife or nature club? If so, they very likely offer animal-centric community events a few times a month that will ignite the curiosity of nature lovers both young and old. Libraries Aren’t Just For Books Like local clubs and city hall, most libraries have activities going on throughout the year such as reading or crafting groups that are free for participants. Many group are geared to children and some programs are even offered in French.","url":"/learning-hub/blog/general-tips-to-save-money-at-canadian-destinations","category":"BlogCategory"},"c868af62-6aca-57ce-a67b-59704bdb55f0":{"page":"Tips to Help Track Your Spending ","description":"The planning stage of a project is often the easiest part of the process. The same applies to planning your budget. While writing down your numbers is easy enough, actually following through on any financial savings plan can often prove difficult. But with rudimentary tracking of spending, you can make sticking to a budget easier. Here are some quick steps to setting up a basic system to track your spending: Write it down \nFind a system that works for you before you start tracking your spending. Some people prefer writing all their purchases down in a notebook or in a spreadsheet on their computer. There is also a selection of software which can help you organize and document your spending. The amount of detail you choose to include depends on what works best for you. Choose a method of payment \nDepending on your spending habits, you might want to choose one method of payment and stick to it. For example, since you must physically withdraw it, some people find paying exclusively with cash is the easiest way to track where their money goes and how much they spend. If the majority of your purchases are made online, or if you prefer paying credit to cash, you might try limiting yourself to one credit card. But make sure your credit card works for you. Use your President's Choice Financial® Mastercard® for example, and earn PC Optimum points which can be redeemed where President's Choice products are sold. Keep a paper trail \nFor every purchase you make, be sure to ask for a detailed receipt. If a detailed receipt is not available, write down directly on the receipt each individual item and its approximate cost. Keep all physical receipts categorized in a folder somewhere safe in your home or keep photos of your receipts in a secure cloud online. Online transactions usually issue receipts either directly following purchase or via email. To avoid having to print out every individual receipt, download electronic receipts and keep them in a designated folder on your computer or in a secure cloud online. Be Honest \nIf you lie about spending on your personal reports, you are only lying to yourself. If you make an impulse buy you are not proud of, the best way to learn your lesson is to track the purchase and take a note for next month. Remember: the whole point to tracking your spending is understanding where your money goes. Add it all up \nDesignate a time at the end of each month to go over your spending habits. Take all of the numbers in your spreadsheet or notebook and add them up. If the resulting numbers do not fit into your budget, break your list of purchases into categories to see what you are spending the most on. Take notes of what can be trimmed for the next month. Keep Tracking \nJust because you are staying within your budget does not mean you should stop tracking your spending. You never know when a discrepancy in your monthly budget might throw things off and it always helps to have a detailed list in hand for reference.","url":"/learning-hub/blog/tips-to-help-track-your-spending","category":"BlogCategory"},"d5145908-ad50-50b9-8e1f-4a047eddc14b":{"page":"Feeding Family and Friends: Holiday Meals on a Budget","description":"How do you make sure the whole family (and all your friends!) are well-fed this holiday season without breaking the bank? Whether you have just a few people or a whole gang heading to your house, here are eight tips for hosting holiday meals on a budget. Plan ahead Give yourself plenty of time in advance to strategize your menu and buy your ingredients. You’ll not only reduce stress and feel more in control, you’ll give yourself more time to comparison shop and take advantage of sales and coupons on food and party supplies. Make shopping lists of exactly what you need and stick to them to avoid impulse or unnecessary spending. You can also avoid temptation and save time by shopping online at PC Express and picking up your groceries when it’s convenient to you. Embrace meal planning to help your food budget stretch further. Break with tradition Don’t feel pressured to serve a traditional holiday meal if it’s a financial burden or you otherwise can’t manage it. Start new traditions: Go with a favourite comfort recipe, opt for a meatless meal or serve buffet-style instead of having a sit-down dinner. Change things up to make the gathering suit you and your budget. If you’re stressed out by trying to live up to unrealistic standards, you probably won’t enjoy yourself. An online search offers plenty of ideas for cheap holiday meals to feed a crowd. Go slow Crock pots can be your friend! Besides allowing you to do much of the meal prep beforehand and giving you more time with your guests, many slow cooker recipes take advantage of inexpensive cuts of meat. Set the scene Attractive holiday table décor doesn’t have to be costly. Dress up everyday items such as drinking glasses or mason jars, or small buckets with greenery from your own yard. You can enhance them with ribbon and ornaments from your holiday collection. The addition of a simple grocery store bouquet may be all you need for some floral flair. Overlapping placemats down the centre of your table can stand in for a table runner and small battery-powered tea lights can add just the right amount of shine. Remember: Not everything has to match to make a perfect table setting. You’ll find lots of other inexpensive Christmas party ideas online, including free printables for name cards and menus. Try getting the kids involved to help create easy decorations, such as cut-paper snowflakes or popcorn and cranberry garlands. Expect the unexpected Don’t let drop-in or short-notice guests throw you off your game. Plan ahead by trying to keep your home a quick once-over away from being guest ready, with snacks and an entertaining playlist already on standby. Stock your pantry with bite-sized treats that you can whip together quickly, such as frozen hors d’oeuvres, cheese, crackers and charcuterie, or cookies and sweets, nuts and chocolate. Voila! Everything looks fancier served on small, attractive dishes or a nice serving board with some pretty cocktail picks. Plan ahead for larger meals by having ingredients on hand for a couple of tried-and-true recipes. Swing by your local Loblaw banner store for a chance to earn (or redeem) PC Optimum points on some of your essentials. Get potluck-y By asking guests to bring different components of the meal, you’ll save money, time and effort. What’s more, everyone’s sure to have a dish they enjoy. Guests are typically pleased to help and requests can extend beyond food to include drinks, tableware, chairs or anything else you might need for the event. Find out more about hosting a potluck dinner here. Enjoy yourself People won’t mind if the potatoes are a bit burnt or the centerpiece falls over. In other words, don’t worry if not everything is perfect—your guests will be happy to spend time with good company and conversation. Simple is best and also happens to be easier on your wallet. Remember that holiday entertaining is more about connecting than impressing. Happy Holidays!","url":"/learning-hub/blog/feeding-family-and-friends-holiday-meals-on-a-budget","category":"BlogCategory"},"57c5e256-56e9-52fd-bd99-1924506569c9":{"page":"How to Minimize Your Spending While on Sabbatical","description":"What is a sabbatical? Traditionally, it's a year of paid leave taken by a university professor for study or travel, but many people simply consider it a break from work. If you've decided to take time off, paid or otherwise, you'll need to stretch your funds as far as possible. These tips for reducing household expenses, limiting frivolous spending and cutting out unnecessary costs will help your money last longer. Track Your Spending If you don't already have a detailed week-by-week budget, start by reviewing your bank and credit card statements from past years to track how much you typically spend on mortgage or rent payments, utilities, groceries, transportation and other necessities. Also take note of money spent on luxuries—everything from vacations and evenings out to clothing and manicures. Write a Budget How much does a sabbatical cost? Well, that depends on the length of time you plan to take off, as well as travel payments you'll incur (think flights, shots, passports and visas) and the expense of maintaining your life at home and abroad. When writing up a realistic budget, try to keep in mind any at-home costs that you can't forego, such as a mortgage, insurance or even car payments. Minimize Household Expenses and Cut Back on Extras To save money for a sabbatical, it's ideal to reduce extraneous spending—meaning eliminating as much as possible in that \"want, not need\" category—for several months or even years before your break. If elimination seems impossible, make strategic and sustainable cuts—for example, halving the number of meals you eat in restaurants, painting your nails at home or relying on public transportation instead of paying for gas and parking. If you can train yourself to spend less, you'll be able to save more, and the amount of money you'll need for your sabbatical will be more manageable. Supplement Your Income If you plan to travel during your break, sublet your place to bring in extra cash or even consider a home exchange situation. You may also wish to take on the occasional freelance assignment in your field of choice—whether that's writing, website design, coaching or public speaking. You'll be grateful for the extra income, especially if unexpected expenses arise. Choose an Affordable Destination Again, if you'll be traveling throughout your sabbatical, be strategic. The cost of living in London, Paris, New York or Sydney is exponentially higher than in Cambodia or Guatemala. Choose a city or country that will allow your savings to stretch as far as possible.","url":"/learning-hub/blog/how-to-minimize-your-spending-while-on-sabbatical","category":"BlogCategory"},"36c30349-7e0d-532a-8512-e9d69d6d9cbf":{"page":"4 Things to Add to Your Financial To-Do List ","description":"Staying on top of your personal finances is essential. To help you become focused and motivated, here are my top 4 suggestions on areas you should consider. Fully Fund Your Emergency Fund If you do not already have a fully funded emergency fund, then you need to add this to the top of your list. In case you are wondering, an emergency fund is simply a savings account (preferably one that yields a high rate of interest) that is easy to access in case there is an emergency that requires cash ASAP. The general rule of thumb is to save up 3 to 6 months of your living expenses, however depending on your circumstances you may want to save even more than that. For instance, before I left the corporate world to run my own business, I made sure I had at least 9 months of living expenses socked away in my savings account. That amount of savings made me feel safe and comfortable, and let me tell you, it definitely came in handy once or twice during my first year on my own! Check Your Credit Report & Score Checking your credit report should be something you do on a yearly basis to make sure all the information reported is accurate (and if it is not, correct it). Luckily, you can request copies of your credit reports by mail from both credit bureaus, Equifax and TransUnion, at no cost. If you have plans to take out a loan one day, such as a mortgage on a new home, then you may also wish to find out your credit score. Your credit score is the grade each credit bureau gives you that indicates how responsible you are when handling credit. The higher the score, the better you look to creditors, who may then be more open to lending to you. That’s why it’s important to know your score, because if it’s not as high as you expected you can start taking steps to improve it before applying for a loan. Do a Review of Your Credit Cards Do you know what credit cards you have in your wallet? Better yet, do you know why you have those cards? It is important to do a regular review of your credit cards to make sure they are still worth keeping. Key things to look for are if they offer purchase protection, have a decent rewards program, and if they charge you an annual fee. Then, consider what else is out there to see if there are any better credit cards to replace your current ones. You may end up finding that getting a President’s Choice Financial® Mastercard® would actually help because you can earn free rewards* for no annual fee. Get a Will No one likes to think about the inevitable, but getting a will and making sure your estate is set up properly is something you should do as soon as you have any significant assets and/or dependents. This is something my husband and I delayed for a few years after getting married because at the time we thought we were too young. Eventually we realized it has nothing to do with age, but is something that responsible adults needs to take care of for the sake of their family and other dependents. And you know what was shocking? It was not hard to do at all! It took hardly any time to find a qualified estate lawyer, and then once they were hired they walked us through everything step-by-step.","url":"/learning-hub/blog/4-things-to-add-to-your-financial-to-do-list","category":"BlogCategory"},"4d7564d6-e494-5ee4-884f-27411953370e":{"page":"How Improving Your Lunch Can Help You Save Money","description":"Are the kids swapping out their lunch at school? Are you sick of that soggy tuna sandwich? Is the entire family tempted to dump their lunchboxes and buy restaurant food and snacks instead? It’s time to stop throwing money away. It’s no secret that a great way to save each week is by packing a lunch for yourself and your family. Eating out includes the marked-up cost of food, labour, tips and often the cost of transit to and from the eatery. By bringing your own lunch, you choose the menu, portion sizes and ingredients. Waste-free packaging helps reduce litter, and you get to reclaim those extra minutes at lunch that you’d normally spend waiting for food. Sounds pretty good! But for many, the idea of brown-bagging it has needlessly lost its appeal. Done right, packing a lunch doesn’t have to feel like you’re giving up anything and can instead be a meal you look forward to eating. Here are some money-saving lunch tips that will help keep everyone happy. • Plan ahead: A little forethought goes a long way. Save money by making (and sticking to) a grocery list of what you need for the coming week. Buy regularly used items in bulk, chop vegetables yourself instead of paying extra for pre-chopped, and take advantage of sales. Use strategies such as meal planning, price matching, coupons, and loyalty programs (such as earning and redeeming PC Optimum points at participating stores). Then, make enough food ahead of time to carry you through the week, whether by making extra food for dinner or cooking additional meals to freeze. Prepack lunch-sized portions in reusable containers and store them in the fridge or freezer so they’re easy to grab each morning without the excuse of being too tired or busy to prepare good food. • Love your leftovers: There’s no need to pack the same lunch every day (unless you want to, of course!). Find new ways to spin leftovers with ingredients you have on hand. That roast chicken you made on Sunday can turn into shredded chicken and vegetables, chicken salad and soup for successive meals. The internet is brimming with a variety of lunch ideas to save money, so get out of that rut! The more appealing and exciting your lunch is, the less you’ll be tempted to spend on eating out. • Invest in packaging: What’s the point of packing a lunch from home if it doesn’t survive until lunchtime? Make sure your food stays properly protected and preserved by buying a quality lunch bag, ice pack and reusable containers that suit your personal style. There are a wide range of attractive and functional options out there that also cut down on garbage, including bento boxes, reusable beeswax wraps, insulated bags and soup containers, easy-open glass or plastic containers and reusable straw and cutlery sets. (Pro tip: A quality travel mug filled with home-brewed coffee is a big money saver.) • Get your children to help: Little hands can easily help prepare lunches. Give them age-appropriate tasks, such as helping to select a menu,, bake, package up portions and more. They may be more invested in eating their lunch, too. • Enlist co-workers: If restaurant lunches are part of your company’s culture, it might be awkward or even career-limiting to be the only one sitting out. Try suggesting that everyone bring a packed lunch for even a couple of days a week as a team exercise. Encourage others to get out of the office instead of eating at their desk by going to the park or for a walk. • Save on snacks: Avoid being tempted by vending machines or the coffee truck by bringing tasty snacks and treats to munch on, such as mixed nuts, dark chocolate, fruit, veggies and dip. Individually wrapped or snack-sized treats are typically more expensive, so it may help to purchase full-sized packages and pre-portion them at home. Now, crunch the numbers to find out how much money you’re saving by bringing a lunch instead of making a food run every day. You may be surprised to see how much can accumulate with relatively little time and effort. What will you do with the savings? \n\n","url":"/learning-hub/blog/how-improving-your-lunch-can-help-you-save-money","category":"BlogCategory"},"cf2d25f8-6722-5b5b-ba43-6cac72e81cd7":{"page":"4 Ways to Save More This Year ","description":"Saving money can be difficult. Increasing those savings, year-after-year, can be even more difficult. But saving is necessary to meet both our short-and-long term financial goals. Without savings or some sort of financial cushion, you might be destined to work forever or live uncomfortably. So what will it take for you to save more this year? Some people start small, saving two or three percent of their salary and that is fine – every little bit counts. However, many of us shortchange our retirement by not finding ways to increase that amount annually. Here are four easy ways to help save this year: Take up a challenge All the rage in recent years, the 52-week money saving challenge was pinned, posted, and shared across social networks and blogs to help inspire people to save. Ordinary Canadians, who would typically only post about their vacation and dining experiences, were taking up the challenge and talking about money. Fantastic! The 52-week money saving challenge is simple: Save $1 in week one, $2 in week two, $3 in week three, and so on until you have about $1,400 saved by the end of the year. Or, increase the degree of difficulty and try to put away $10 in week one, $20 in week two, $30 in week three, and so on until you’ve saved nearly $14,000. The best variation I have seen is the reverse challenge where savers put aside $52 in week one, $51 in week two, $50 in week three, and so on. The reverse order works well because the bulk of the saving occurs at the start of the year while you are still motivated to save. Added bonus: you will get compound interest working for you earlier. Find your match Canadians may be leaving money on the table by not taking advantage of employer-matching retirement savings programs. This type of program, if available, varies by employer but some employers kick-in a percentage of every dollar of your own money that you put into the plan. Ask your employer if they offer any company-funded retirement plans, stock purchase plans or other saving options. I get it; most of these plans are voluntary and that portion of your salary feels better in your bank account than in some group plan that you cannot touch until retirement. But if your employer offers you ‘free’ money – money that increases your retirement contributions – why not check it out? Bank your raise If you do get an annual salary increase – even if it’s just cost of living – here is an example of how to make it work for you: Most retirement calculators assume you save a fixed amount every year but that number never grows with inflation. John is 25 and earns $50,000 per year. He can afford to save $250 per month ($3,000 per year) toward his retirement. The conventional “pay-yourself-first” approach does not assume any increase in that amount over time, and so after 40 years of saving $3,000 per year John will have $120,000 saved for retirement. Not bad. But how much would John have if he simply increased his savings rate along with his two percent annual raise? It does not sound like much, but it could mean a difference of thousands of dollars more at retirement. Build on what’s already working Some of us already have some sort of automated savings plan in place; whether it is a percentage of income that is funneled into our RRSP or TFSA, or monthly contributions to our child’s RESP. Even your mortgage payment is like a forced automated savings plan. Build on the good things you already have in place. If you can do so without a penalty, increase your monthly mortgage payments. You will easily take a few years off the life of your mortgage – especially if you make a habit of increasing your payments annually. Keep bumping up contributions to your RRSP, TFSA, and RESP until you start maxing out the annual limits. Once you get there – see if you can catch up on unused contribution room to further bolster your savings. Final thoughts There is always room to improve our finances each year, but often we become complacent with our savings plans and fall victim to financial inertia. Find ways to grow your savings every year, whether it is through a fun challenge, by taking advantage of employer and government matching programs, banking your raise, or by simply building on what is already working for you.","url":"/learning-hub/blog/4-ways-to-save-more-this-year","category":"BlogCategory"},"b4bc8351-547d-54db-a60c-63c2e28ec315":{"page":"How to Build Flexibility into Your Budget ","description":"Smart consumers are prepared for any emergency: they refresh the batteries in their smoke detectors, never miss a bill payment and always keep their health cards handy. But are you prepared for a financial emergency? Creating a budget is fairly easy. Last year’s household bills basically predict this year’s fixed expenses. But that’s not enough for responsible budgeters. It’s important to devise a plan for the unpredictable: costly, random events such as emergency home repairs, automobile breakdowns, job loss or illnesses that affect your ability to work. While not “predictable,” these events are, in their own way, completely expected. Rare are the homeowners who never have to replace a roof. The average shingle roof in Canada has a lifespan of 15 to 30 years. Dental surgery may be required at some point in your life. And even if your car is in good shape, accidents can happen without warning. The Warm Up Your budget should be flexible enough to withstand periodic incidents and setbacks. Otherwise, your precariously-balanced budget may one day feel the shock of an unexpected expense, leaving you scrambling to regain financial stability. Personal-finance experts suggest two ways of dealing with future financial calamities. First of all, start building an emergency fund. Every month, before you allocate any of your income to bills or other expenses, set aside a small but reasonable amount as a cushion of cash – a deposit against future unbudgeted expenses. This is considered common-sense financial management - you shouldn’t be budgeting to the penny every month. Over time, this emergency fund will grow into a nest egg that will allow you to comfortably patch up a leaking roof, replace worn out bathroom plumbing, upgrade your home security system, or replace that 12-year-old car when the muffler falls off. Don't wait for some phantom future date to start building your emergency fund. It’s tempting to think you can put this off for a few years on the grounds that you’ll be making more money then and so will be better able to afford the monthly hit. But household expenses tend to rise right through your thirties and forties. Relief generally doesn’t usually kick in until your fifties. This is when most people reach peak-earnings stage and their mortgage is paid off – or significantly diminished – while their children have completed their post-secondary education. The Flex The second half of your emergency plan involves creating a buffer in your budget. Make sure you have $100 or more left over after every month to help cover random surprises, such as dental work or home repairs. Allowing yourself a monthly “float” means you don’t have to draw on your emergency fund to fund wedding gifts or minor household repairs. Building a Budget Backbone If you’re having trouble budgeting for problems that may be years away, there are a few ways to start building that budget backbone. To get some ideas of what you might be able to expect, ask friends or family about the sudden expenses they never saw coming and what amounts they wish they had saved up. For people in my circle, such problems included: Going back to school to take a required course A health condition that left an entrepreneur, without disability insurance, unable to work for six months Two family cars “giving up the ghost” within a few months of each other A basement flood caused by a sewage backup (an emergency no longer covered by their insurers) Adult children supporting aging parents in an expensive retirement home they couldn’t afford That final item suggests that failure to plan for future setbacks creates a burden not just for one family, but for the next generation, too. Building flexibility into your budget is a crucial step towards achieving true financial stability. One day, your children will thank you.","url":"/learning-hub/blog/how-to-build-flexibility-into-your-budget","category":"BlogCategory"},"28b6d2fa-9a68-51db-87e7-40acad2b8da4":{"page":"7 Tips for Moving for Less","description":"Moving to a new residence is exciting! However, there can be hidden costs and to be well prepared, here are seven suggestions for moving on a budget: Plan ahead: Avoid cost overruns by researching and budgeting for the expenses you’ll face. In addition to transportation, you may need packing materials, temporary storage or lodgings, child or even pet care. Don’t forget about the costs of getting your new residence up and running, such as restocking your pantry, utility hook-ups, and food and drinks for volunteer helpers! Pack your own stuff: Save a bundle by not hiring a professional packing service. Check your workplace and grocery stores for boxes for packing or buy or borrow plastic storage containers. Rather than packing belongings in styrofoam peanuts or bubble wrap, use old newspapers, shredded paperwork, or towels, linens and clothes as padding. Stock up on essentials such as tape, labels and markers. Use a loyalty credit card such as PC Financial Mastercard to earn points you can redeem to help offset moving costs (or purchase some initial items you need for your new home). Move your own stuff: Renting a truck and recruiting volunteers is typically the cheapest way to move. Calculate how much space you need to avoid overspending on a too-large truck and understand what extra charges may apply, such as for gas, mileage, accessories like straps, moving blankets or a dolly. If renting a truck isn’t feasible, a less expensive alternative to a full-service mover is hiring a container-moving company that drops off a storage bin for you to pack and then transports it to your new residence when you’re ready to move. Hire professionals: If you lack the time and energy required or have specialty items such as a piano or antiques that need expert handling, a DIY move might not be for you. But hiring the wrong full-service mover could cost you time, damages and worry. Get multiple quotes and ask around for referrals and reviews that consider the firm’s reputation, availability and responsiveness. Ask about and negotiate extra fees that may apply, such as for unpacking, elevator reservations, extra stops at storage facilities, or long-distance and cross-border moves. Booking far in advance may save you money, as will moving mid-week or mid-month. Shed some pounds: Donate, sell or dispose of unneeded belongings before you move. Both weight and space cost money in a move and selling things earns cash to help pay for costs. Shut down services early: Some utilities won’t prorate your bill, meaning you’ll pay for a whole month of service no matter how many days you use it. Keep the lights on, but do you really need cable TV when you should be packing? Claim a deduction: Ask a tax specialist about moving expenses that you may be able to claim on your income tax return and how to maximize these deductions. In the meantime, keep receipts for everything move-related. ","url":"/learning-hub/blog/moving-for-less","category":"BlogCategory"},"4c5050b0-df0f-5a5f-8f27-1d6852383bd7":{"page":"How to Avoid Dipping Into Your Savings ","description":"An unexpected car repair payment here, a new pair of glasses there: If you constantly spend your savings when an unplanned expense appears (or you think one teeny weeny weekend getaway won't make that much of a dent), soon you won't have any money saved at all. Follow these five saving tips to avoid dipping into your cash so you can use it for its real purpose: to purchase a home, a car, a life-changing trip or for an actual emergency. Have a Goal in Mind You want to know how to save more money -- but what exactly are you saving for? Do you need a backup fund in case of job loss? A down payment for your dream home? A three-week trip to Asia? Whatever it is, know exactly why you're squirrelling away your hard-earned dollars and you'll be less likely to drain your account for unnecessary expenses. Be Realistic Take a look at your salary and your fixed monthly expenses (such as rent, hydro, groceries, car payments) and think about how much you can realistically afford to save. If you're putting $200 away each month but then consistently removing $100 before the month is over, your savings goal is impractical, or you need to be stricter about following a budget. Create a Budget This step doesn’t have to be overly complicated, but creating a simple spreadsheet that tracks your monthly spending goes a long way in helping you save. Enter your monthly income, then track what money comes out for expenses and bills, put some budget aside for entertainment (eating out or going to the movies), and then put some money aside for savings. You’ll quickly be able to see what you have available for savings. Even a small amount put towards savings will add up. Be diligent and dedicated, and it will pay off. Two Words: Automatic Payments If you are carrying a credit card balance, set up an automatic payment once or twice a month that comes right off your pay cheque. When it comes time to pay your monthly bill, you’ll be pleasantly surprised at the lower balance, and you'll adjust to living on a slightly lower income without too much struggle. Use Your Credit Card Wisely Thoughtful spending is a key way to save. Choose a credit card such as a President’s Choice Financial® Mastercard® that earns PC Optimum points* each time you use it and you'll be able to redeem the points for future grocery purchases.. Save to Spend There will always be unexpected expenses that pop up throughout the year, even if you do your best to plan ahead. Maybe your car suddenly needs new brakes, or many of your family or friends have babies over one summer and you need to buy gifts. Whatever the situation, if you budget a small amount that you're allowed to dip into when necessary, you'll have planned for the unexpected and won't deplete the bulk of your savings. *Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 PC Optimum points thereafter at participating stores. Some redemption restrictions apply; visit pcoptimum.ca for details and full store list. ®/™Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. President’s Choice Bank is a licensee of the marks. \n\n","url":"/learning-hub/blog/how-to-avoid-dipping-into-your-savings","category":"BlogCategory"},"3b257e19-7411-5e95-9e56-facbf7dd2ced":{"page":"Couples Alert: 7 Questions to Ask Each Other Before Splurging ","description":"For young couples, nothing beats the pleasure of talking about the future and sharing your goals. But when those dreams come with price tags, be careful. Many couples argue about money – and especially when it comes to big-ticket purchases that one partner considers frivolous. How do you head off a heated quarrel when your partner can't wait to splurge while you prefer to save? Saying “No!” right away just opens the door to a long night of regrets. Think of this as a negotiation: search for common ground, and look for a resolution that brings you closer together and reduces the chance of future clashes. When your partner says “everyone” is buying those leather coats, or how badly they “need” the latest smartphone, here are seven objective, non-judgmental questions you can use to turn conflict into consensus. “The cost of everything is going up so fast. Do you think we could look at our finances and put together a budget before we commit to any big expenditures?” With luck, you’ll end up with a financial plan that heads off future shocks. “I’d like to support this purchase. But can we first go over what the real costs will be?” Many big indulgences, such as vehicles, holidays or renovation projects, spark follow-on costs, such as maintenance and fuel for a car or boat, out-of-home meals for trips, or software for new computers. This question helps you focus on the all-in costs, not some short-term “bargain” price. “This purchase would be great. But can we talk about how we would afford to pay for it?” This conversation can draw you together by turning it into a project for which you both take responsibility. “Before we go ahead and buy this, can we sit a moment and think about what else we might we use that money for?” Families have multiple goals. Reviewing them together can be a sobering experience, putting the requested indulgence into perspective. Maybe now is the time to pay down debt, or save for that extra bedroom. “I understand your wanting a (insert sports car, timeshare property, or new deck here). I’d love us to have that, too. Maybe we should put together a list of dream purchases that both of us want, so we can figure out the best way to make them happen?” This tack could help you align your longer-term goals. Now you're balancing the immediate purchase against not just your current resources, but all the other dreams you both harbour for the future. Shift the spotlight to the dreams you share. “Is there some alternative (or cheaper) way of resolving this need without affecting our financial plan?” With this question, you open the door to a compromise that indulges your partner without breaking the bank. Get creative. Maybe you can buy a used car instead of new, or snag last year’s hottest phone on clearance. “What should our process be for evaluating unbudgeted purchases such as this?” When in doubt, use a conflict to develop a new process for avoiding future differences. Maybe you’ll agree to an indulgence quota (maximum $50 a month, or one big blowout a year), or maybe you’ll develop a checklist for vetting future purchases. Agreeing on a system can turn a win-lose conversation into shared purpose. Don't wait too long to have these conversations. If your partner says the neighbour up the street is selling his boat, it could be sitting in your driveway if you don't speak up soon. Figure out what you want to say, then find the right time to have the conversation. (hint: before dinner with a glass of wine may be better than late at night). Seizing the initiative lets you broach the subject your way, rather than getting caught short if your partner suddenly demands a yes-no answer. Disputes such as these can either sow resentment or make your partnership stronger. These are mostly minor issues in the long run of life, so welcome the chance to practice your conflict-resolution skills together. ","url":"/learning-hub/blog/7-questions-to-ask","category":"BlogCategory"},"8440a500-643e-5f12-861d-4a9a50eb4251":{"page":"Eating Better for Less","description":"Eating more healthfully has become mainstream in recent years. Whether as part of a health-driven trend or because of a change in lifestyle, the practice is undoubtedly good for the body, but maybe not for the wallet. Many ready-made food options, like artisan avocado toasts or cold-pressed juice, can be expensive. These simple tips will help you and your family keep food costs down. First, it’s important to understand that healthful eating doesn’t have to be expensive. There are multiple ways to save on grocery expenses from growing your own vegetables to making and sticking to a shopping list. Plan your meals so that all the ingredients on your list are used. Most households throw away good food every month, so be strict about buying only what you need and will actually eat. Trim down on non-essential items like sodas, snacks, cookies and candies, replacing them with sparkling water, and fruit. Save money by buying less expensive brands or buying only the amount you need of nuts, seeds and spices from the bulk section of the grocery store, and meats and cheeses from the deli counter. If you can, freeze any unused foods, including bread or portioned meats purchased in bulk, but make sure they are wrapped in airtight packaging to avoid freezer burn. No time to visit the grocery store? Make purchases online at https://www.loblaws.ca/pcexpress and choose a pick-up time that’s convenient for you. Since meat and fish are generally more expensive ingredients, buy whole or cheaper cuts. Whole chickens generally cost less than chicken parts, plus you’ll have the carcass for making stock. Cheaper cuts of meats might require a little more cooking time, but the slow- cooked product typically has more flavour. If you are open to reducing the amount of meat consumed, try eating smaller portions or going meat-free for a few meals a week to help keep food costs low. Or add extra vegetables to meat dishes like a stir-fry to help the meal go further. If it’s hard to find fresh produce or if an economical option isn’t available, consider buying frozen fruits and vegetables that don’t have any added salt, sugar or fat. Some produce is flash frozen at the peak of freshness, so buying bags of frozen fruits and vegetables, – especially when they’re on sale – is an easy and inexpensive way to consume more produce. Simply add a cup or two to your oatmeal, in your smoothie, pasta, soup, or stir-fry. Purchase dried goods in bulk or when they go on sale. Since staples like rice and beans, lentils and peas are relatively inexpensive, try adding them to soups, stews, and dishes. The result is a hearty dish that is low in fat, packed with fiber, vitamins and minerals. Just make sure they’re stored properly in the pantry. Try to avoid eating processed foods and dining out regularly. Some simple menu planning and batch cooking will ensure you always have food available and will help you save money too. While processed food and take-out foods may be a convenient solution, they’re often loaded with sodium, preservatives, hidden sugars and fats. Instead, try making the item at home, where you can control the seasoning and customize the ingredients. Prepare in large enough portions so that you can have leftovers for subsequent meals, or freeze for another day. Your body and wallet will thank you. Use a little creativity to reinvigorate your leftovers. Near expiry vegetables can give new life to a leftover chunky curry vegetable stew, or roast them and and add to a vegetable or grain salad. Extra roast chicken can be used in sandwiches or tossed in a pasta dish; the bones can be simmered with vegetables to make a broth. Stale bread can be used to make French toast, sliced thin for crostini or ground up for bread crumbs. While they generally save time, convenience foods can be frivolous expenses. Take, for example, the indulgent avocado toast. The brunch time staple is incredibly easy to prepare with ingredients that are widely available. Sliced or smashed, avocados can be spread on low-carb or gluten-free bread, topped with an egg, and dusted with red pepper flakes or crumbled feta and for a fraction of the cost compared to purchasing it at a café or restaurant. Being flexible about what you eat also helps. If avocados are out of season or are too pricey to consider, try using fresh tomatoes instead. The same mentality goes for other foods like smoothies and juices. Try following a few recipes until you find one you like. After all, a penny saved is a penny earned. Most important of all, know what's in your kitchen pantry, fridge and freezer. Check use-by dates to make sure you use the ingredients before they expire. By shopping smarter, you’ll find you won't waste as much.","url":"/learning-hub/blog/eating-better-for-less","category":"BlogCategory"},"808701f1-9681-5803-ad23-b043b65df660":{"page":"How to Host a Housewarming Party on a Budget ","description":"So you have a new house, condo or apartment—congratulations! Now it's time to christen the place with good friends, music and laughter. With these helpful tips for how to throw a housewarming party on a budget, you'll introduce your gang to your new space without draining your savings. Set Your Budget Be realistic about what you can afford because there's no point in going into debt over a party. If there is zero spare cash in your bank account, consider postponing a few months. Your home will still be there when you're ready. Make the Guest List Though a housewarming party may seem like the perfect opportunity to celebrate with every last acquaintance and their dog, a smaller guest list is the wallet-friendly option. Stick to family, close friends or a mix of the two. Choose a Date (and Format) Give yourself time to unpack and settle in before inviting a group into your sanctuary. You'll feel less stressed and have extra time to set aside funds. Next, choose your party style. Do you want it to be drop-in format one afternoon? A small dinner party that will last into the wee hours? Drinks and appetizers for 20 or 30 people? If your goal is to host a housewarming party on a budget, choose a smaller group, an afternoon timeslot and/or a shorter party window. Send Invitations Two or three weeks in advance, use a free online service to send out e-vites and track RSVPs. A simple email will also suffice. Just be sure to include the date, time, address and any instructions (such as BYOB or adults only). Send a reminder two days before the event. Keep It Casual Skip the champagne fountain, wait staff and slinky attire. Everyone will feel more comfortable when there's no dress code and you won't waste money on frivolous extras. This counts for decorations too. Save the money and add atmosphere with inexpensive candles, battery-powered tea lights or a couple strands of twinkly holiday lights that you already own. Make a Playlist One of the best and cheapest ways to create ambience is music, so collect your favourite songs and make a playlist or two that will suit the occasion—whether that means background tunes or a livelier mix to inspire a dance party. Set Up the Bar You'll need less alcohol for an afternoon drop-in and more for dinner or a cocktail party. One way to cater to a large group is to blend a big-batch cocktail (with enough for a couple of drinks per person) and then encourage everyone to bring wine, beer or their drink of choice. Have plenty of glasses and napkins on hand, as well as non-alcoholic options for the designated drivers. Prep Simple Foods Unless you're planning a dinner party for fewer than 10 people (where barbequed hamburgers or pasta and salad are cost-conscious crowd pleasers), have an appetizer potluck where each guest brings a tasty snack. Otherwise, go for low-cost treats like chopped raw veggies, popcorn with toppings, nachos or hummus with pita. You could also stick to a dessert bar with candy, cookies or make-your-own ice cream sundaes. Focus on a few delicious items rather than providing endless variety.","url":"/learning-hub/blog/host-a-housewarming-party-on-a-budget","category":"BlogCategory"},"c9b0bdcc-77f7-5901-a39a-24b3f9d3c618":{"page":"Five Tips for First-Time Homebuyers","description":"For many Canadians, home ownership is an unquenchable dream that feels like it's an essential step on the road to adulthood, security and happiness. Whatever your personal reasons for wanting to buy a house, the process of purchasing a property can be filled with highs and lows and a great deal of hand-wringing and headaches. Here are five tips that will help you find your dream home. Make a Budget and Stick to It Even the shrewdest penny-pinchers can fall prey to the excitement of house shopping and be tempted to bid tens of thousands of dollars beyond their means when faced with a potential perfect find. That's why it's good to work out a strict budget beforehand and have that number firmly in your head when house hunting. It's easy to get swept up in the fantasy of home ownership and talk yourself into spending more than you should, only to end up spending decades paying off a mortgage that leaves you house poor. Get a Home Inspection Sure, you may love your new potential property, and everything may indeed \"feel\" right, but intuition is no substitute for an attic-to-basement thorough home inspection. It's easy for major issues like plumping leaks, not-up-to-code electrical wiring, mould and more to be well hidden from the naked eye, whereas an inspector has the tools and training to uncover many potential hazards. A house is likely to be the most expensive purchase you ever make, so it's critical to take the time and care to ensure your potential new home has nothing to hide. Build an Emergency Fund Ideally, along with your down payment, you'll also have been putting aside money for a home emergency fund. Home ownership is a wonderful experience, but it also has its shares of unpleasant surprises like an unexpected basement flood or a need to update your electrical wiring. Budget for Yearly Home Maintenance A home maintenance fund? But we already have an emergency fund! The unfortunate truth is that beyond the obvious things like mortgage payments, there are a plethora of costs associated with a property's basic upkeep. When making a budget for how much to spend on a home, many enthusiastic homeowners-to-be forget to factor in the yearly costs of maintaining a property. One possible rule of thumb is to budget approximately 3 to 5 percent of your home's overall value for yearly upkeep. Hire a Professional Real Estate Agent Because buying a home can feel like an overwhelming financial freefall, it can be tempting to cut corners where possible. For first-time homebuyers, it's especially important to have a real estate professional in your corner who will ensure all necessary steps are taken to protect your purchase and that all documents are legal and valid. They can also make excellent, experienced sounding boards and hand-holders.","url":"/learning-hub/blog/5-tips-for-first-time-homebuyers","category":"BlogCategory"},"43c7ba0e-0ff3-5e19-a9ba-ef26a9044426":{"page":"Simple, Everyday Ways to Spend Less","description":"If you're brainstorming ways to save more money, it can be helpful to look at the challenge from the flip side: how can you spend less? Indeed, the two approaches go hand-in-hand. If you're looking for easy ways to curb everyday spending, here are some daily expense-cutting suggestions that you may have overlooked but can help you save more, bit by bit. • Make lunch/coffee/snacks at home. Here's where investing in a quality coffeemaker might actually help slash spending in the long run if you're picky about your brew. • Keep (and stick to) a shopping list to help avoid impulse purchases. • Learn to make some often-purchased or expensive food dishes from scratch—it's probably easier than you think. • Get in the habit of meal planning to make the most of your food budget, leftovers and time. • Write down every purchase, down to chewing gum or lottery tickets, in a notebook so you can see exactly where your money goes and help identify what you can cut out. • Use coupons and coupon apps, and frequent stores that offer price matching, such as Real Canadian Superstore.® • Sign up for customer rewards programs such as PC Optimum to take advantage of deals and perks. Worried about being inundated by emails? Set up a separate email account that you can check regularly for savings before you shop. • Make your own greeting cards and gifts. • Wait 30 days before deciding on a big purchase. This will buy you time to consider whether you *really* need to buy it. • Give children and adults alike the gift of your time in place of expensive presents or outings. Similarly, entertain at home instead of going out for a costly evening with friends. Time for a potluck dinner! • Turn out the lights when you leave a room. • Try replacing some foods and products with generic brands, which are sometimes made by the same manufacturers as their brand-name counterparts. • Keep your vehicle's tires properly inflated to improve gas mileage. • Grow some of your own food. • Unplug idle appliances to slash the unseen power drain. • Get organized. Knowing what tools, food, clothes, and so on that you have on hand will help avoid duplicate purchases. • Use your public library. • Learn to make basic repairs on clothing and in your home. • Design your garden using trimmings from friends' and family members’ plants instead of making costly visits to garden centres. • Cancel unused subscriptions, memberships and cable channels. • Take your reusable bags to the supermarket. What other simple daily changes can you come up with?","url":"/learning-hub/blog/simple-ways-to-spend-less","category":"BlogCategory"},"27bdf865-6f04-5854-8c7c-927dbc4430c0":{"page":"How to Save for a Big Purchase","description":"Dreams come in different shapes and sizes, but if yours involves buying a big-ticket item, you may be wondering how on earth you can make your savings stretch and grow to afford it. Take heart: regardless of your income level, you can find money to save so that you can achieve your goal. Here are some top tips for how to save more money: Make (and stick to) a budget: Whether you use a digital or paper spreadsheet, mobile app or simple pencil and notebook, track every expense and all of your income. Budgeting requires a bit of work in the beginning, but once the details are in front of you (and not just in your head), it’s easier to see where you can trim costs on “wants” versus “needs” to make room for savings. Communicate with your partner about saving goals. [hyperlink to Rick’s article “Couples Alert: Seven questions to ask when one of you wants to splurge on a big purchase] Check for tax breaks: Consult with tax and investment experts to help you take advantage of all the income tax deductions and credits you’re entitled to and ensure your finances are structured to be tax efficient. Just be sure to save any tax refunds instead of splurging! Earn more: If you score a raise, bank it, along with any bonuses or overtime pay that’s not usually listed in your budget. Consider a second job or even starting a side hustle. Spend less: There are loads of creative ways to save money, from car-pooling, couponing, cutting out coffee runs and bringing your own bagged lunch, to trimming spending on “extras” like cable bills, hobbies or magazine subscriptions. Avoiding impulse purchases is easier if you shop with a list and vow to sleep on buying decisions. Redeem your points: use those PC Optimum points that you have accumulated using your PC Financial Mastercard® to purchase groceries or house supplies on your next shopping trip, and then set aside the dollar value amount to put towards your savings goal. Those little savings will start to add up! Remember, even if you can only set aside a tiny amount regularly, do it – it will grow quickly through the magic of time, and you’ll be on your way to making that dream purchase a reality.","url":"/learning-hub/blog/save-for-a-big-purchase","category":"BlogCategory"},"e0e14d6b-5d1e-5a40-9f08-bf2c1ba92724":{"page":"Trend in Home Co-ownership between Friends","description":"These days it seems like you can't turn on the news without hearing about the constantly increasing price of real estate, making it clear that the popular dream of home ownership is becoming ever more elusive for many. But here's where co-ownership comes in. This newly emerging trend has friends going in on buying a property together, splitting the risks and rewards of carrying a mortgage and maintaining a home. While purchasing a house with a good buddy may be the only way for some people to ever own a property, it comes with its own set of challenges. Here are some tips for coping with home co-ownership. Get on the Same Page While you and your bestie may be alike in innumerable ways, you should make sure you're looking for similar things in a property. You'll both need to outline what aspects of your new home are open to compromise (such as whether a home is walking distance to a gym or has free street parking) and what qualities are must-haves (a yard, for example, or more than one bathroom). Put Rules in Writing It's easy when things are going well to assume that you and your best bud will be able to weather any disputes rationally and amicably. However, when your friend starts allowing family members to stay in the guest room for indefinite periods of time or shows up with a puppy that they just had to adopt, the situation can get heated very quickly. Before you and your friend sign on the dotted line, be sure to create a detailed list of household rules that cover as many contingencies as possible. You may even want to consult a lawyer with your list so that an official, legally enforceable contract can be drawn up to ensure you both adhere to the house rules. Plan a Budget Ahead of Time It's simplistic to assume that as co-owners you'll both happily pay for all things 50/50. What if your friend starts insisting that you need all-new, top-of-the-line appliances or wants the air-conditioning running in the summer 24/7? An honest and open conversation about who pays what percent of which bills can go far to alleviate potentially friendship-ruining disputes. Have an Out Things change. While you may both go into home co-ownership assuming that you'll live together long term, one of you may meet someone you want to marry, or get a terrific job offer that means moving out of the area. There are numerous options to cover these kind of contingencies (like selling or refinancing the home), so it's wise to draw up a contract that covers what happens if someone needs to pull out of the home co-ownership. Focus on the Positive Much like buying a home with a spouse, the process of living together and discovering each other's idiosyncrasies will give rise to many ups and downs. When your friend's habit of never turning off a light is driving you crazy, just remember that you'd never have been able to afford a home without them and hopefully you'll learn to take the good with the bad.\n","url":"/learning-hub/blog/trend-in-home-coownership-between-friends","category":"BlogCategory"},"3df475c6-53d5-55ab-a6d8-fc6794dcf858":{"page":"How to save money on pet care and supplies","description":"Owning a cat or dog is expensive. Whether you’re spending on supplies (food, treats and toys add up each month) or vet bills (spaying and neutering, yearly check-ups, vaccines, unexpected health issues), things probably cost a pretty penny more than you expected. But there are steps you can take to make animal ownership more affordable. Here’s how to save money on pets and pet care—simple tips that will let you stay within your budget and still treat your furry friend like the king or queen they are. Adopt, don’t shop Rescues and shelters have fees if you’re looking to adopt a dog or cat but they’re typically quite a bit less than the cost of buying a purebred puppy or exotic kitten. Plus, you’ll give a needy pet a loving home—meaning you’ll save money and perform an act of kindness at the same time. Watch the weight Giving that extra treat or scoop of kibble may seem like a gesture of love, but even a few pounds of extra fat can make her life more difficult. If your pet becomes overweight—meaning she lacks a defined waist and her ribs and spine are hard to feel—she could be at risk for high blood pressure, diabetes, liver disease and osteoarthritis. She may also have trouble breathing, walking and keeping cool. By managing her weight, you’ll not only save money on food and treats, you’ll also avoid health issues—not to mention pricey vet bills. Brush his teeth Yes, it’s a total pain to sit your pet down, hold his mouth open and scrub each tooth with a pet-friendly toothpaste. But it’s the best way to maintain healthy teeth and gums and prevent pain, bleeding, swelling and tooth decay—all issues that can affect appetite and require costly anesthesia, professional dental cleaning and tooth removal. Periodontal disease also increases the risk of heart disease. In this case, an ounce of prevention is worth a pound of cure. Buy supplies in bulk When it comes to items you use frequently—think pet food, treats, kitty litter, waste bags or pads—it’s often considerably cheaper per use to buy the big bag or the 20-pack. Storage can be kind of a pain, but you’ll end up spending less overall on supplies that you use every day. Real Canadian Superstore® also offers discounts on many pet items if you buy in multiples. Groom at home If you’re trying to save money on pet care, your pet grooming habits are another thing to consider. Try to complete as many grooming jobs at home as possible, including nail trims (some veterinarians charge $30 a pop!), bathing, brushing and ear cleaning. Of course, there are some tasks—like haircuts and shaving—that you might want to leave to the pros. Guard against common causes of injury Money isn’t the only reason you’ll want to keep your dog or cat out of harm’s way, but there are some pretty common causes of injury that—while not necessarily fatal—could rack up your vet bills for the year. To protect your pet, keep an eye out for foreign objects, like medications, table scraps, sticks and bones, she could choke on or swallow; make sure she always has access to water—especially on hot days; keep her on a leash to prevent road accidents and altercations with unknown dogs; and maintain short nails so they’re less prone to breaking and tearing. Share minimal-use items If you’re taking your pet on an airplane for the first time in years, you probably don’t need to buy a new carrier, travel bowl or outfit. And your pup with a hip injury probably won’t need to wear a cone and ride in a pet stroller forever. Instead of purchasing all of these items that you’ll only need temporarily, or a couple times a year, try to borrow from friends or split the cost with family members who might also need to use the item on occasion. Collect points Limiting yourself to a few retailers when purchasing supplies means you can accumulate rewards—like PC Optimum points. Every 10,000 PC Optimum points that PC Optimum members earn on purchases translates to $10 they can redeem towards free stuff. Use it to stock up on food, toys and treats for your furry buddy. Create a rainy-day fund Even if you’re careful about ways to save money on pet expenses, your dog or cat might have an accident or health scare that creates unexpected vet bills. Set aside whatever you can each month for use in these instances. ","url":"/learning-hub/blog/how-to-save-money-on-pet-care-and-supplies","category":"BlogCategory"},"9f7a8b6a-4ebd-5eb1-8043-526a20232142":{"page":"5 Life-Changing Money Habits","description":"As the new year approaches, now is a popular time to reassess our habits towards things like exercise and healthy eating to see what changes we can make to improve ourselves. Money habits, however, don’t often get the attention they deserve even though they can have a profound influence on nearly every aspect of our lives. If you’re looking to make some lifestyle adjustments in the new year, why not consider these five life-changing daily spending habits that could enrich your life and your bank account? Make a Budget As basic as it sounds, if you’re wondering how to save money, making a budget is one of the best things you can do. Who hasn’t asked themselves, “Where did all the money go this month?” or received a credit card bill with a tally that exceeded expectations? Creating a budget with “must” categories (rent, food, transportation) and “want” categories (entertainment and eating out) is the ideal way to track spending and ensure you don’t find yourself out of cash. Remember to include categories for things like retirement savings and an emergency fund and be diligent about subtracting the correct amounts from categories each time you spend. Making a budget may be hard to adjust to at first but it’s a wonderful way to take control of your finances and, more importantly, your life. Shop Smarter Good old-fashioned coupon cutting or planning your weekly shopping around deals can add up to huge savings over time. One daily spending habit you may want to adopt is to leverage loyalty plans like the PC Optimum program to earn points that can be redeemed towards free groceries and drug store items. Be a smart shopper and try to maximize purchases that feature bonus loyalty points offers to earn free rewards fast. Pay Off Credit Card Balances Most of us have credit cards and one of the simplest ways to save money is to make sure you pay off your balance each month. If paying off the full balance isn’t possible, aim to make as much of the payment as you can possibly manage. Interest payments accrue at a surprisingly speedy rate, making your purchases more expensive the longer you put off paying for them. How responsible you are at making credit card payments is a major factor in securing a high credit score. Prioritize Saving One of the best daily spending habits you can adopt is to give more to your (future) self by increasing the amount of money you direct towards savings. The sooner you start putting money toward retirement and an emergency fund, the more time your nest eggs will have to grow, thanks to the magic of compound interest. Unfortunately, savings are an all too easy responsibility to avoid. The next time you’re tempted to skip topping up your nest egg, remind yourself that making a dedicated effort to prioritize savings is an essential money habit that will go far to ensure a good, long-term quality of life. ","url":"/learning-hub/blog/5-life-changing-money-habits","category":"BlogCategory"},"1317db6a-4ecd-5a1b-b3fa-50a6bb73c42e":{"page":"Cyber Security Tips to Keep Your Information Safe ","description":"Cyber Security Tips to Keep Your Information Safe ","url":"/learning-hub/blog/cyber-security-tips-to-keep-your-information-safe","category":"BlogCategory"},"1a0945d2-fa5a-5a69-a9af-0063ae4a9e4d":{"page":"Holiday Budget: Financial Advice to Avoid Overspending","description":"The holiday season is a joyous time of year for most people, even though it often means tackling a huge a gift-giving list and an even bigger credit card bill. If you want to avoid overspending—an all too common seasonal problem—it’s a good idea to draft a holiday budget and develop a strategy to help you to avoid overspending. Here are some holiday spending tips that will help you keep a holiday budget. Assess Your Financial Health Before you can develop a manageable holiday budget, you need to have a fully informed picture of your finances. Don’t just measure your financial health by looking at your bank balance, you’ll also want to factor in how much debt you might have on credit cards and lines of credit. Also consider any income that you might have coming in, including amounts such as a work bonus or holiday money from family. Create a Holiday Budget Once you have an accurate assessment of where you stand financially, you can make a fully informed holiday budget that takes into consideration more than just your bank balance. Putting into writing exactly how much you are able to spend on common holiday expenses, such as presents, meals and seasonal travel, is the best way to ensure you won’t unknowingly overspend. Developing a holiday budget ahead of time may also help to prevent impulse purchases. Budgeting also means you’re more likely to avoid surprise bills that could lead to starting the new year with an unmanageable debt load. Save Money on Common Expenses A smart and simple way to increase your holiday budget is to decrease the amount you are spending on common expenses, by redeeming your PC Optimum points towards groceries and other products at participating Loblaw banner stores. Start a Holiday Fund Everyone knows it is a good idea to have an emergency fund and retirement savings, but it is also worth planning ahead for seasonal spending. Holiday expenses are much easier to manage if you already have a pool of money set aside for that specific purpose. Putting aside a little money each month for a year can be a lot less of a headache than suddenly finding yourself short of funds in December. Take Advantage of Post-Holiday Sales While you may not be able to count on snow for Christmas, you can always count on great sales after the holidays. Stores want to get rid of stock to make way for new arrivals, so this can be the best time of year to pick up items you’ll need next year (just don’t forget where you store them!). Stores like Joe Fresh® will likely have wonderful offers on everything from winter clothing to stylish accessories. Shopper Drug Mart is always a good source for enticing offers on things such as holiday décor and beauty items. Find Free Entertainment Entertainment expenses are another frequent source of holiday overspending. Contact your local community centres and city hall to find out about free activities in your area. If you’re lucky, you’ll find free skating at local parks, parades and more fun things to do with your family.","url":"/learning-hub/blog/holiday-budget-financial-advice-to-avoid-overspending","category":"BlogCategory"},"5501f51a-0f64-541d-a208-5eab1d38cb8e":{"page":"Safety Tips for Online Shopping","description":"There you sit, curled up in a comfy chair, in your PJs, shopping online while sipping a cup of coffee. It's so easy to forget that people once actually had to leave their homes to buy things. Now we can get anything, from food to a fridge, with just a few taps on our computer. Thanks to an ever-growing array of online stores, enduring crowds and long lineups are rapidly becoming a thing of the past. Yet surfing the net to shop comes with its own set of challenges and risks, including compromised credit cards, the loss of privacy and identity theft. Luckily, with just a bit of care and knowledge, there are many things you can do to be certain your world-wide-web shopping excursion is a safe and fun experience. Look for the Lock Symbol One of the best ways to ensure your banking and other private information are protected while you shop online is by using only encrypted websites. Don't worry! You don't need to be a computer genius to know which websites are secure. Just look for a lock symbol (often green in colour, as in \"safe to go forward\") on the left side of the URL bar (where the web address goes). This padlock icon tells you that the website you're shopping at is using the most up-to-date security measures to encrypt and protect your personal info. Unfortunately, sometimes the padlock symbol can be faked, so if you’re not certain about a site’s security, it’s best to avoid it. Use Familiar Websites You Trust We've all seen how every single story or piece of information on the Internet seems to be filled with links trying to get your attention and lead you to a new website. When shopping, it's a smart practice to stick with big-name online sites you know or trusted brands that also have bricks-and-mortar stores you're familiar with. Stay away from aggressive, unfamiliar pop-up adds trying to get you to buy something, and do not open/click on links in email offers received from sources you are not familiar with. Keep Your Anti-Virus Software Up to Date Online scams keep getting more complex, so it's essential to regularly update your computer anti-virus software to be sure your PC, laptop or smartphone has the strongest protection in place. A good anti-virus program will even warn you if you hit a link that could lead you to a questionable webpage. Change Passwords No one likes to remember a long list of passwords, but the surest way to shop safely is to use a different password for every site you frequent. That way, if your information on one site is compromised, your data on other sites will still be safe. You may also want to re-enter your information every time you return to a site rather than let your computer save your info. Yes, it's annoying and takes more time but it's one of the surest ways to shop securely. No matter how safe you think your password is, they should be changed on a regular basis and should not include any sensitive information (i.e. social insurance / passport numbers) or match information that an attacker may retrieve from public social media sites (i.e. date of birth). Be Vigilant Finally, go over your credit card statements and match your charges against your receipts to confirm that all the charges are legitimate. If you do notice a potentially fraudulent charge, contact your credit card issuer immediately.","url":"/learning-hub/blog/safety-tips-for-online-shopping","category":"BlogCategory"},"6ad37c9a-2976-5415-941a-082b7c20a8d5":{"page":"Is the Sharing Economy for you? ","description":"New platforms for sharing rides, homes, tools and experiences are changing the way Canadians buy, sell and own just about anything. Are you ready to embrace the “sharing economy?” If you've ordered a ride home through an app instead of hailing a cab, you're in. Perhaps you've driven yourself downtown in a $10-per-hour car-sharing service and then pedaled home on a community-owned bicycle. If you've used an app to stay in someone’s spare room– or to rent out a room of your own – then you're definitely at home in this strange new world of sharing our lives and stuff. What might you share next? Most cities now have “makerspaces,” where members can share specialized tools such as industrial sewing machines and 3D printers. Non-profit “tool libraries” serve more basic household tasks, while for-profit businesses let you rent a neighbour’s lawn mower, surfboard or camping equipment. Services are available to help you find people to tackle your to-do list (such as, cleaning the house or assembling furniture), while sites help you learn from or teach your neighbours, whether it’s crocheting, belly dancing or language lessons. Sharing on a Global Scale What makes sharing platforms better than old-fashioned bulletin boards? Trust. The same technology that matches buyers and sellers is used to rate the trustworthiness and reliability on both sides so that you can get a quick idea of who you intend to do business with. But don't forget, that works both ways they’re rating you on how easy you are to deal with.\n\n Give and Take And, of course, the sharing economy wants you to participate on both sides. You too can rent out your stereo equipment or get paid to trim a neighbour’s hedges. Ideally, the sharing economy increases users’ quality of life by letting us access goods, services and experiences from other people while marketing our own highest-value skills or possessions to them. How do you get the most out of the sharing economy? Follow these six principles: Keep aware of how the market is evolving. The sharing landscape is always changing, as new service providers enter the market and other providers fade. Conduct regular searches to find out who the major players are in your area. You may find you don't have to buy that specialized wrench or rent a full crew of movers, or that you can afford to hire your own knitting coach. Understand the rules. Sharing doesn’t always save you money. For instance, car-sharing services at $10 an hour only make sense if you want the car for a short time; for three hours or more, a traditional rental agency may make more financial sense. Read the fine print. Make sure you know exactly what you're arranging to buy or borrow. Shared bicycles are often clunky and slow, and that bargain-priced rental room may not include a private bathroom or kitchen privileges. Find out what kind of satisfaction guarantee the platform offers. Read reviews and feedback scores. Learn as much about each provider as you can. It’s also important to verify how each platform vets their suppliers: do they receive any training or hold special qualifications? How do these sites weed out or penalize those who violate any policies? Make sure you understand how your platform of choice uses your data. Sharing sites collect tons of information about their members. Make sure they are transparent about how they protect the data. Rate the supplier (or product) when you're done. The sharing economy works best when everyone provides feedback and reviews. That’s how communities grow. Rate the supplier (or product) when you're done. The sharing economy works best when everyone provides feedback and reviews. That’s how communities grow.","url":"/learning-hub/blog/is-the-sharing-economy-for-you","category":"BlogCategory"},"5df25aae-3f21-5485-9358-7d423fc5f674":{"page":"5 Ways You're Using Your Credit Card Wrong ","description":"Find out how you could be getting more from your credit card, by maximizing its benefits, and how to improve your credit score at the same time. You’re saving your credit card for a rainy day. Using and paying off your credit card regularly is the first step to a higher (translation: healthier) credit score. You’re not getting rewards you can use. The President’s Choice Financial® Mastercard® has no annual fee, plus you can earn PC Optimum points for every dollar spent to put toward the products you love most. You’re not automating your payments. Setting up automatic credit card payments can make handling your bills no-fuss and help ensure that your credit history is squeaky clean. You’re not maximizing the travel benefit of the President’s Choice Financial® Mastercard®. When you book a trip through PC Travel and pay with a President’s Choice Financial® Mastercard®, you’ll earn PC Optimum points for every dollar spent. You’re using retailer credit cards. These credit cards often carry high interest rates, and applying for multiple cards can lower your credit score. \n\n","url":"/learning-hub/blog/5-ways-you're-using-your-credit-card-wrong","category":"BlogCategory"},"fec58bde-fa1c-5ba3-bdbb-be6da9b8cba9":{"page":"Affordable Personalized Gifts for Your Holiday Host","description":"The holidays are a time of celebration and that often means attending parties where you might need to bring a gift for the host. Finding a perfect or unique holiday gift may seem difficult but it’s not impossible. Why not focus your efforts this year on personalized gift baskets? Not only is this more thoughtful than a generic present, it will likely make a bigger impression. In fact, DIY gift baskets are not that difficult to put together if you know what your hostlikes. Simply wrap up your personalized presents—place them in an inexpensive metal or wicker basket, festive box or similar container first—by tying them up with cellophane and a wide, decorative ribbon. Alternatively, place the items in a nice gift bag topped with bundles of loose, colourful tissue paper. You can even attach a bell or holly to the bow to make the look even more festive. Just don’t forget a handwritten Thank You note or card. Consider filling your basket with the following presents that will stand out, without breaking the bank. For the Beginning Home Baker A starter baking kit is easy to assemble simply by filling a large mixing bowl with staples, such as a whisk, mixing spoon and/or a baking spatula and maybe even a liquid measurer, tea towel or oven mitt. For cake lovers, go with a cake or bundt pan with a box of PC® Gluten-Free Cake Mix for gluten-intolerant recipients or homemade cake mix in a jar. For cookie lovers, try a box of cookie mix or homemade cookie mix in a jar, a cookie scoop, some tubes of colourful icing or gel, perhaps a bottle of decorative sprinkles and a couple of festive cookie cutters (which can be attached like charms to the ribbon tying the package together. For the Chocolate Lover A DIY hot chocolate kit could include everything from mugs (or recyclable cups), hot chocolate mix, fancy chocolate syrup, candy canes and a bag of mini marshmallows all placed nicely in a gift box. For the Coffee Lover A cheap personalized gift basket might be as easy as filling a wide latte mug (container) with an assortment of coffee-time treats like chocolates or shortbread, bought or homemade crystalized sugar swizzle sticks, a bag of the recipient’s favourite espresso or a coffee shop gift card. For something a little pricier, think about including an assortment of their favourite fresh roasted coffee beans, a coffee grinder or a set of espresso cups and saucers. For the Homebody Using a pair of plush or cozy slippers as the basket, fill both of them with body and nail care items, including shades of nail polish, , a small bottle of bubble bath, ultra-moisturizing hand and foot cream, chocolates, herbal tea bags and even a spa gift. Simply tie the pair of slippers together upright with a wide holiday ribbon. For the Gourmand Fill a pretty stainless steel colander full of nicely packaged goodies like those offered by PC® Black Label Collection as they are great components to any meal. Package dried pasta with a jar of small batch tomato sauce or a truffle pesto, tapenade, stylish pot holders and kitchen tools like a pasta fork or cheese grater. Or bundle up some gourmet crackers, artisan crisps, cheeses and wine jelly, with a set of cheese knives and a cheese board. Or maybe go with a nice platter topped with boxes of chocolate enrobed biscuits and shortbread, a jar or two of curds and dessert sauces, plus a canister of tea or coffee. For the Movie Buff Pack alarge snack bowl with an assortment of unique chip flavours, a can of gourmet nut mix, a bag of popcorn kernels and popcorn seasoning. Add a package of PC® The Decadent Chocolate Chip Cookie, candy bars and cans of soda or flavoured soda water. While this gift package is more for at-home viewing parties, you can maybe throw in a pair of movie ticket vouchers that can be redeemed for a night out. For a Stress-Free Morning After Why not give your hosta breakfast gift basket so they will have their first meal after the party taken care of? Place a bottle of soda water or orange juicein a lined basket. Add a package of pancake mix and a bottle of maple syrup, fresh baked muffins, banana bread or a loaf cake with honey butter and a bag of coffee beans. For the Tea Lover Fill a basket with a tin of loose-leaf tea, a tea strainer, drawstring teabags or a tea infuser, a package of herbal tea bags, a tea bag caddy/dish, packages of PC® shortbread or biscuits and maybe a nice set of tea cups and coasters. ","url":"/learning-hub/blog/affordable-personalized-gifts-for-holiday-host","category":"BlogCategory"},"91bf02aa-07c3-527e-b143-01c30b3f7c25":{"page":"The PC Financial® App","description":"No need to worry any longer whether that lunch special is over budget. You can instantly check to see all the latest transactions on your PC Financial® Mastercard® with the newly launched PC Financial® app. The mobile app is all about saving you valuable time, while ensuring you can track how you spend your money. Information about your account is accessible with a tap or a swipe, including your account balance, available credit, payment due dates, and much more. In fact, the transaction dashboard allows you to track spending, by day or by time or by category (such as groceries, entertainment and transportation). It's all laid out in easy-to-read, simple-to-understand, real-time charts and graphs. There are even customizable alerts that you can program to tell you when you've made a payment or purchase, or to find out when payments are due. Receive alerts in whichever way is most convenient for you, whether SMS text message, push notification or email. In addition, unique to the mobile app is deeper information on some transactions, where available. That means if you spot a transaction you don't recognize or don't remember, you can tap to find out more details of the merchant, including its location, store hours and phone number. In addition, personal information, like address, phone number and card PIN, now can all be updated or changed in the app itself, and in virtually no time at all. But what if there's something that requires a human to answer? PC Financial has thought of that, too. There's always the option of submitting any inquiry through the app's messaging centre. The message is then sent to customer service agents for a response. So whether you're out on the town with friends, on the beach with the family, or in a foreign city, you’ll be able to manage your account at all times.","url":"/learning-hub/blog/pc-financial-app","category":"BlogCategory"},"a7b93b65-ae99-52d8-859e-889b4ce4d340":{"page":"Tips and Tricks for Earning PC Optimum™ points with your PC Financial® Mastercard®","description":"Imagine for a moment that you could choose a superpower to use for the good of you and your family. Now, imagine that this superpower could be acquired easily and used every day for free. Chances are you’d snap it up.\r\n\r\nSigning up for both a PC Financial Mastercard® credit card and the PC Optimum loyalty program is kind of like choosing that superpower (or at least like putting your wallet on steroids). In fact, these two programs are the key to bringing you rewards in the form of free essentials from stores that participate in the PC Optimum program. Of course, you’ll want to make sure you use them effectively without leaving benefits on the table, right? Here are four ways to make the most of your superpower…err… your PC Financial Mastercard® credit card and PC Optimum account.\r\n\r\nGet on board\r\nNaturally, the first step is signing up. It’s simple and totally free—just ask the cashier at one of the Loblaw banner stores, Pharmaprix or Shoppers Drug Mart to sign you up for a PC Optimum account and then visit PC Optimum online to register. If you’re not going to be in one of these participating stores, you can even sign up online from the comfort of your own home. If you apply for and activate a PC Financial Mastercard® credit card, either online or with an in-store representative at a PC Financial pavilion, your new PC Financial Mastercard® also can serve as your PC Optimum points collection card. Now you’re set to earn points just for doing your regular shopping. PC Financial Mastercard® purchases will earn you points for every dollar you spend everywhere, in person or online. Every 10,000 PC Optimum points is worth $10 in redeemable value at participating stores*! You can redeem points at loads of stores, including Loblaw, Real Canadian Superstore®, No Frills, Joe Fresh® and Shoppers Drug Mart. You can also earn and redeem PC Optimum points when you make purchases online at JoeFresh.com, order groceries through PC Express™ or buy beauty and skincare products at shoppersdrugmart.ca. \r\n\r\nGet the app\r\nDon’t stop at signing up! Download the PC Optimum app to see all the details of your account, learn how to use PC Optimum points, view your PC Optimum points balance, and browse flyers and other notifications about special deals. You can also load personalized offers from participating stores that are customized to offer bonus points on the essentials you buy the most. The more you use the program, the better it gets!\r\n\r\nCombine the earning power\r\nSure, the cards are fantastic on their own, but what about using them in tandem? When you use your PC Financial Mastercard® to purchase products and services at participating retailers, you’ll earn your regular PC Optimum points in addition to any bonus points available through the personalized offers you’ve downloaded… Think of it as “points hacking”! \r\n\r\nReceive offers\r\nTo make sure you’re getting the most out of the PC Optimum points program, visit the app and website to discover everything it has to offer. Sign up to receive emails that can highlight your personalized offers and bonus points events. By shopping the offers that are tailored to you, you have the potential to earn more points, more quickly. (Pro Tip: If you join the PC Insiders™ subscription program, you may have an opportunity to earn even more points on select brands).\r\n\r\nIf you haven’t already signed up, what are you waiting for? Put that (super)power into your wallet. \r\n\r\nClick here to find a store that participates in the PC Optimum program and here to find out more about PC Financial Mastercard®.","url":"/learning-hub/blog/tips-and-tricks-for-earning-pc-optimum-tm-points-with-your-pc-financial-mastercard","category":"BlogCategory"},"4ef9b43f-237e-5f95-95f8-363061ba5612":{"page":"How to Teach Your Children Good Money Habits ","description":"One of the best gifts that parents can give their children is to start teaching them money-saving habits from a young age. Children who become comfortable with financial management and terminology as youngsters will be better able to budget, manage credit cards and debts, and save for a secure retirement as adults. Here are some of the top ways you can help your children hone their economic acumen. Give Kids an Allowance The best way to learn anything is by doing. Giving your children a weekly or monthly allowance lets them start to put their money management skills into action. Age five is a common milestone to start giving an allowance (though there is no one absolute ideal age; each child is unique and will understand the concept of money at different developmental stages). One idea is to match your child's age with a weekly dollar amount, so a six-year-old, for example, would get $6. Open a Bank Account Banks have different rules as to when kids can have an account, but some have special children's programs designed to make banks more approachable and kid-friendly. For many children, opening their very own first bank account will be an exciting step on their way to adulthood, and it's a wonderful way to associate a sense of pride with the habit of saving money. Visual Money Lessons Some children are visual learners. Before helping your child open a bank account, it can be a good idea to first start with something more visual like a piggy bank. A piggy bank allows kids to watch their money grow before their very eyes and gives them a visual representation of what saving money looks like. It may also be worthwhile to have numerous piggy banks divided into different goals like \"Save\" and \"Spend.\" Parents may want to consider even including a \"Give\" saving category to teach about philanthropy at a young age. Create Incentives We all fall prey to the trap of instant gratification. For children, for whom a day can seem like a year, saving money rather than spending it instantly can be particularly hard. That's why giving your children incentives to save is a helpful tool to teach them the benefits of delayed gratification. Encourage saving rather than spending by promising to match a percentage or set portion of their savings. It's much easier to put aside $10 a month if children know that $10 will become $15 with no additional effort on their part. Practise What You Preach Children are wonderful mimics and will learn the most by seeing how their parents handle money. If you have good budgeting and spending habits, your kids are more likely to adopt fiscally prudent habits. For smaller purchases, why not put out a \"mom and dad\" piggy bank so your children can see you saving diligently for an item. No matter what methods you use to teach your children about money, it's vital to start early and reward their money-saving efforts.","url":"/learning-hub/blog/how-to-teach-your-children-good-money-habits","category":"BlogCategory"},"117b1d82-b11f-5ebd-8d64-e94defedbd69":{"page":"Security","description":"See the security policies for specific PC Financial products and services including PC Financial Mastercard and PC Optimum points.","url":"/security/","category":"AllCategory"},"d980c790-7dc2-5e43-aa61-f69a8319b32a":{"page":"Browser upgrade required","url":"/incompatible-browser/","category":"AllCategory"},"a1375564-e558-55bf-bda1-41d671235499":{"page":"PC Money Account","description":"The new PC Money Account earns you 10 PC Optimum™ points on every dollar of your purchases all with no monthly fees. This account gets you the perks of a rewards card plus it makes it easy to use your money to spend, send and save.","url":"/pc-money-account/","category":"AllCategory"},"1254606e-a5a2-5945-b725-bad73a504831":{"page":"PC Financial Mastercard Requalification","url":"//legal-stuff/requalification//","category":"AllCategory"},"0ea9cd68-dd38-5442-a464-2741877baf98":{"page":"No Fee PC Mastercard and PC Money Account","description":"Earn more optimum points with the no fee PC Mastercard and PC Money Account. Score more rewards and manage your account online anytime, anywhere.","url":"/index/","category":"AllCategory"},"001e4e28-1bc4-5edb-b4da-94160e50e42c":{"page":"Credit Cards","description":"Earn PC Optimum points towards free rewards with the PC Financial Mastercard. Learn more about the PC Mastercard, PC World Mastercard and PC World Elite Mastercard.","url":"/credit-cards/","category":"AllCategory"},"aeee0aec-77c4-50cf-a0eb-ecdcad0224f8":{"page":"PC Optimum","description":"Discover the power of the PC Optimum program with the PC Financial Mastercard & earn more free food, beauty products & apparel everywhere you love to shop.","url":"/pc-optimum/","category":"AllCategory"},"d986fe34-a8fc-5ce9-863e-e4e119d9e128":{"page":"Seniors Code","description":"Our commitment to you as a senior is a simple one. We’ll work day in and day out to meet your needs and provide great service.","url":"/seniors/","category":"AllCategory"},"e5dff8ce-09b6-5f57-8506-61992c6d1673":{"page":"Website terms of use","description":"Part of open, honest communication is letting you know your rights. Find detailed legal information for specific PC Financial products & services.","url":"/legal-stuff/website-terms-of-use/","category":"AllCategory"},"42c8e93a-9d29-5583-896d-4d0ed16f3f23":{"page":"Media Centre","description":"Read the latest PC Financial news and find contact information for the PC Financial public relations department in our media centre.","url":"/media-centre/","category":"AllCategory"},"2958173f-9f4a-5666-b95a-c3d2d4334395":{"page":"Legal Stuff","description":"Part of open, honest communication is letting you know your rights. Find detailed legal information for specific PC Financial products & services.","url":"/legal-stuff/","category":"AllCategory"},"d106d47d-f4d8-5d2e-bea1-a7fbdf9b91dc":{"page":"Accessibility","url":"/accessibility/","category":"AllCategory"},"d5710d06-3813-5dc8-af03-00f0eb316877":{"page":"Careers","description":"We think differently and we’re looking for people who do the same. Explore available careers at PC Financial & see if you are up to the challenge. ","url":"/careers/","category":"AllCategory"},"60d7fdea-9730-55f8-8348-1dc0e5891611":{"page":"Digital Banking","description":"Discover how you can manage your PC Financial Mastercard account anywhere, anytime with the PC Financial app or online banking experience. ","url":"/digital-banking/","category":"AllCategory"},"7851624a-4fba-5ed8-90ed-4cd23713c65a":{"page":"Payment Support Plan","description":"PSP is optional insurance that may help you with the payments on your PC Financial® Mastercard® in case the unexpected happens.","url":"/psp/","category":"AllCategory"},"071e7142-e71a-51a6-b4ce-a37c6d844534":{"page":"Learning Hub","description":"Learn how to use your PC Financial Mastercard and PC Money Account like a pro.","url":"/learning-hub/","category":"AllCategory"},"1055474a-5a39-56f9-88aa-546453cee6a5":{"page":"FAQs","description":"Get answers to your questions about PC Mastercard, the application, PC Optimum points, and more directly from the PC Financial Team.","url":"/learning-hub/faqs/","category":"AllCategory"},"9e5fe987-c6f2-5be3-b05a-4e61e052c316":{"page":"Contact Us","description":"Get contact information for PC Financial Mastercard & the PC Optimum program. Contact us by phone, email, or regular post.","url":"/contact-us/","category":"AllCategory"},"d5ed4a73-9462-5661-bf6f-33255d5025c4":{"page":"Canada Deposit Insurance Corporation (CDIC)","description":"President’s Choice Bank is a member of the Canada Deposit Insurance Corporation (CDIC). President’s Choice Bank offers Guaranteed Investment Certificates (GICs) which are eligible for CDIC insurance.","url":"/cdic/","category":"AllCategory"},"bc3d794e-c8e2-5da4-8ca6-1c42dff2046f":{"page":"About Us","description":"We are a company that believes in the power of good.","url":"/about-us/","category":"AllCategory"},"95cf2bcd-86cc-5d59-86b6-fbbdee71e860":{"page":"Search Results","url":"/search-results/","category":"AllCategory"},"962f671d-a6dc-50a4-a6a2-81be49d81de5":{"page":"Search Results","url":"/learning-hub/video-tutorials/search-results/","category":"AllCategory"},"a8bf41e1-be80-5ab2-a093-23eb1981825d":{"page":"Search Results","url":"/faqs/search-results/","category":"AllCategory"},"1430d959-add5-5b96-b2ee-dde5cfe420d9":{"page":"Account Balance Protection","description":"Learn more about Account Balance Protection options available for your PC Financial Mastercard.","url":"/abp/","category":"AllCategory"},"02ef79b9-6614-5362-9605-fa942bbeca5d":{"page":"404","url":"/404/","category":"AllCategory"},"34db89a1-e19e-54ce-a049-f488294fa074":{"page":"Blog","description":"See how you can make your money go further with smart money tips for travelers, students, families, and more from the PC Financial Blog. ","url":"/blog/","category":"AllCategory"},"c4ced1b3-0dac-521b-b152-9412cab9e098":{"page":"Video tutorials","url":"/video-tutorials/","category":"AllCategory"},"b11758b7-23bc-5b90-81e5-1932ae26a10e":{"page":"Are my money and account secure?","description":"Yes. We use 2-factor authentication and encryption, helping keep your account and money secure. If you suspect suspicious activity on your account, you can easily lock and unlock your card, online or through the PC Financial app.","url":"/learning-hub/faqs/pc-money-account-101/are-my-money-and-account-secure","category":"FAQsCategory"},"5237106b-676b-5f1b-95f6-e564c492106b":{"page":"What are some additional details and benefits of the President's Choice Financial World Mastercard?","description":"$60,000 Individual or $100,000 Household Income Requirement\r No annual fee\r 20 PC Optimum points for every $1 spent with the card at participating stores where the PC Optimum program is offered\r Earn at least 3 cents per litre in PC Optimum points \r 20 PC Optimum points for every $1 spent at pctravel.ca \r 35 PC Optimum points for every $1 spent on eligible purchases at Shoppers Drug Mart (includes the 15 points per dollar earned by all PC Optimum members) \r 10 PC Optimum points for every $1 spent everywhere else \r 24/7 Concierge Service ","url":"/learning-hub/faqs/pc-mastercard-101/what-are-some-additional-details-and-benefits-of-the-presidents-choice-financial-world-mastercard","category":"FAQsCategory"},"b51668e9-a33f-5889-928d-a591c1f3e4c9":{"page":"How do the free benefits differ between the three President's Choice Financial Mastercards?","description":"President’s Choice Financial MastercardPresident’s Choice Financial World MastercardPresident’s Choice Financial World Elite MastercardMastercard Global Service™Replaces your card or offers a cash advance in case of emergencyTell me moreFree Purchase AssuranceIn the event of theft, loss or damage in the first 90 days5 when you pay in full with your PC Financial Mastercard credit card.Tell me moreFree Extended WarrantyDoubles the manufacturer's regular warranty for up to an additional year5 on items purchased with your PC Financial Mastercard credit card.Tell me moreAuthorized usersAdd up to four free additional cards on your account for family members, so you can earn points even faster.Tell me moreMastercard Global Service™Replaces your card or offers a cash advance in case of emergencyTell me moreFree Purchase Assurance In the event of theft, loss or damage in the first 90 days6 when you pay in full with your PC Financial Mastercard credit card.Tell me moreFree Extended Warrantythat doubles the manufacturer's regular warranty for up to an additional year6 on items purchased with your PC Financial Mastercard credit card.Tell me moreConcierge Service24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more5Tell me moreTravel Emergency Medical Insurance For trips up to 10 days from date of departure, for those under age 65.Tell me moreCar Rental Collision/Loss Damage Waiver Insurance Collision damage and theft protection for your car rental needs. Tell me moreIdentity Theft Assistant Service To help you avoid identity theft or restore your identity.Tell me moreConcierge Service24/7 concierge service to make dinner reservations, reserve event tickets, deliver gifts and more5Tell me more","url":"/learning-hub/faqs/pc-mastercard-101/how-do-the-free-benefits-differ-between-the-three-presidents-choice-financial-mastercards","category":"FAQsCategory"},"363b4c19-0c40-5c24-be83-6dd9a2d3cf64":{"page":"What’s the difference between credit limit and cash limit on my statement?","description":"The credit limit is the maximum amount that can be charged to your account for purchases and cash transactions combined. The cash limit is the portion of your credit limit that you can specifically use for “cash” transactions (I.e. cash advance, convenience cheque or transfers). Your total credit limit includes your cash limit.","url":"/learning-hub/faqs/statements/whats-the-difference-between-credit-limit-and-cash-limit-on-my-statement","category":"FAQsCategory"},"8eae87c3-e3c2-5f8c-a8ce-b3881c2695d8":{"page":"How can I link my PC Optimum account and my PC Financial account together?","description":"Linking your PC Optimum account & PC Financial account gives you one single view of all your PC Optimum points. You can link your accounts by logging in to your PC Optimum account. Steps: Sign in to your PC Optimum account Click “Account” Click “Cards” Click “Link a new card” to link your PC Financial card ","url":"/learning-hub/faqs/pc-optimum/how-can-i-link-my-pc-optimum-account-and-my-pc-financial-account-together","category":"FAQsCategory"},"f7f5fc1f-6356-5986-a96d-1ed510564fc8":{"page":"Can I consolidate my high-interest credit cards onto my President’s Choice Financial Mastercard?","description":"Yes, new customers get a rate of 0.97% for 6 months on balances transferred from other higher-interest credit cards.\n\nApply by December 31, 2021 to take advantage of this offer.\n\nSee balance transfer details","url":"/learning-hub/faqs/pc-mastercard-101/can-i-consolidate-my-high-interest-credit-cards-onto-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"3d57ce5e-cd20-50b5-aeaa-30562050aaac":{"page":"So, what is digital identity verification?","description":"The digital verification process allows us to easily verify your identity as part of your application. To continue this process, please have your mobile phone and a valid identification handy. You will be asked to provide a copy of your ID and selfie, or video to identify your identity quickly.","url":"/learning-hub/faqs/digital-id-verification/so-what-is-digital-identity-verification","category":"FAQsCategory"},"0294a111-1913-5a6a-888c-5a0b90543c32":{"page":"How do I get my PC Financial Mastercard® welcome bonus PC Optimum™ points?","description":"Details on the welcome offer you’re eligible for, including any qualifying purchases, can be found in the welcome email you received upon card approval. Once you activate your PC Financial Mastercard®, and make any qualifying purchases, allow for a 4-6 week window for your bonus PC Optimum™ points to be awarded.","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-get-my-pc-financial-mastercard-welcome-bonus-pc-optimum-points","category":"FAQsCategory"},"dcd2972c-fcf3-5dfc-9d0f-e1dc79d66753":{"page":"What is a PC Money™ Account?","description":"The PC Money™ Account works like a bank account, and rewards you every time you use it to make a purchase. Accepted everywhere Mastercard® is, this no monthly fee account gives you unlimited everyday transactions and rewards you with 10 PC Optimum points on every $1 you spend on purchases.","url":"/learning-hub/faqs/pc-money-account/what-is-a-pc-money-account","category":"FAQsCategory"},"20be8e51-4578-5ea3-91e7-e06f0dc43556":{"page":"What are the annual interest rates for the President’s Choice Financial Mastercard?","description":"Purchases rate in effect when your account is approved: 20.97% Cash Advance rate in effect when your account is approved: 22.97%. In Quebec, 21.97%. Promotional balance transfers: 0.97% for 6 months for balance transfers¹ made within 90 days of account approval. We may, with prior notice, increase your Purchases and Cash Advances rate to the Performance rate of 25.95% for Purchases and 27.95% for Cash Advances following a review of: Your account use (including whether you exceeded your credit limit or had any dishonoured payment transactions), or Your credit bureau reports and credit history. Your interest rates will increase to the Default rate of 25.97% for Purchases and 27.97% for Cash Advances if you: Do not make the minimum payment by the due date for two consecutive months, or Are not in full compliance with the terms of your cardholder agreement. ","url":"/learning-hub/faqs/pc-mastercard-101/what-are-the-annual-interest-rates-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"af3cf4c4-6ef5-5f11-a7d5-86ae3535a299":{"page":"Why are my deposits to my PC Money™ Account showing up as pending transactions?","description":"Deposits to your PC Money™ Account may temporarily appear as “Pending.” Don’t worry, all pending deposits made to your PC Money™ Account that are not on hold are available to you immediately for purchases, transfers and bill payments.","url":"/learning-hub/faqs/pc-money-account-101/why-are-my-deposits-to-my-pc-money-account-showing-up-as-pending","category":"FAQsCategory"},"37d0372f-a9dd-5e0f-9269-6b071b45cde3":{"page":"Can I pay my American Express® bills with my PC Money™ Account?","description":"With the exception of the Scotiabank® American Express® Card, at this time you cannot set up your American Express® account as a bill payee on the PC Money™ Account.","url":"/learning-hub/faqs/pc-money-account-101/can-i-pay-my-american-express-bills-with-my-pc-money-account","category":"FAQsCategory"},"1e1a9dd1-5ad7-5756-8aed-f84decfb18e0":{"page":"How do I add Overdraft Protection to my PC Money™ Account?","description":"Overdraft Protection may be added to your PC Money™ Account to provide extra protection when you need it for emergency purposes. Overdraft Protection is available for occasional use and may be used as a safety net for when funds in your PC Money™ Account fall below $0. When you are approved for Overdraft Protection, you must first add funds to your account before Overdraft Protection is made available to you. If your account is not funded regularly, a transaction that would put your account into overdraft may be declined, as the PC Money™ Account is not a credit card or line of credit.","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-add-overdraft-protection-to-my-pc-money-account","category":"FAQsCategory"},"d6de9ce0-5fad-500d-9aa0-e6dcced3f531":{"page":"How and when are the 50,000 bonus points awarded to my account?","description":"You can earn up to 50,000 bonus PC Optimum™ points by taking advantage of introductory offers. Here is a breakdown of all the bonus points that are available to you: Earn 10,000 bonus PC Optimum™ points when you make your first purchase of $50 or more, using a valid PC Money™ Account, within three months of account approval. Accounts must have sufficient funds at the time of purchase. Bonus PC Optimum™ points will be deducted for any returns. All bonus points awarded to your PC Optimum™ account will be available to you within 4-7 days of an eligible transaction. Limit one offer per PC Money™ Account. Earn 10,000 bonus PC Optimum™ points when you link a bank account with another financial institution to your PC Money™ Account and receive a success message upon verifying your external account online. Both accounts must be in good standing at the time they’re linked. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successfully linking accounts. Limit one offer per customer. Earn 1,000 bonus PC Optimum™ points for each of up to five bill payments of $50 or more to unique payees made per calendar month through a valid PC Money™ Account. Bonus points will be awarded to your PC Optimum™ account within 4-7 days of successful bill payment. Earn a one-time bonus of 25,000 PC Optimum™ points when you set up an automatic payroll or pension directly into your PC Money™ Account for the first time and complete at least three direct deposits into the account within the three consecutive months following initial setup. Bonus points will be awarded to your PC Optimum™ account within 4-6 weeks of completing your third direct deposit. Limit one offer per PC Money™ Account. ","url":"/learning-hub/faqs/pc-money-account-101/how-and-when-are-the-50000-bonus-points-awarded-to-my-account","category":"FAQsCategory"},"73744ffb-8680-5ea5-9a86-e3fee32446c5":{"page":"Why can’t I connect to my mobile device during the digital verification process? ","description":"The digital verification process is compatible with the following browsers and mobile devices. Supported browsers include the latest versions of Chrome, Firefox, Internet Explorer, Microsoft Edge, Safari, and Opera. Digital verification is supported by the latest version of iOS, and Android on mobile devices. Please note, digital verification doesn’t support Firefox on iOS, and Android. ","url":"/learning-hub/faqs/digital-id-verification/why-cant-i-connect-to-my-mobile-device-during-the-digital-verification","category":"FAQsCategory"},"1ded8a68-2837-5b10-bb1f-c713e4d8d21d":{"page":"Will my ID, selfie, or video be used for any other purposes?","description":"We do not permit our third-party service provider Onfido to use your personal information for any purpose other than verifying your identity.","url":"/learning-hub/faqs/digital-id-verification/will-my-id-selfie-or-video-be-used-for-any-other-purposes","category":"FAQsCategory"},"f9d37915-3617-5f80-9901-99414e76b7da":{"page":"Can I upload an existing video of myself?","description":"No, we require you to take an original video of yourself through your mobile device during this process as a precautionary measure to help protect you from fraud and identity theft.","url":"/learning-hub/faqs/digital-id-verification/can-i-upload-an-existing-video-of-myself","category":"FAQsCategory"},"8530ccee-8583-528f-a8c3-f814c7b12c30":{"page":"Can I take a photo of a photo of myself?","description":"No, we require you to take an original photo of yourself through your mobile device during this process as a precautionary measure to help protect you from fraud and identity theft.","url":"/learning-hub/faqs/digital-id-verification/can-i-take-a-photo-of-a-photo-of-myself","category":"FAQsCategory"},"3e8bc8a4-9ec5-53cb-9122-fae9b019278b":{"page":"Can I take a photo of a photo of my ID?","description":"No, we require you to take a photo through your mobile device of your original ID document during this process as a precautionary measure to help protect you from fraud and identity theft.","url":"/learning-hub/faqs/digital-id-verification/can-i-take-a-photo-of-a-photo-of-my-id","category":"FAQsCategory"},"e9eb4fae-2029-5a68-9e8c-9c206532e95e":{"page":"Does the digital identity verification process affect my credit rating?","description":"The digital identity verification process does not include a credit check.","url":"/learning-hub/faqs/digital-id-verification/does-the-digital-identity-verification-process-affect-my-credit-rating","category":"FAQsCategory"},"2dd0b70a-2fe2-5027-8a09-f39e1ba88efa":{"page":"What government issued IDs do you accept?","description":"Here’s a list of government-issued Canadian IDs that we accept for the digital identity verification process: Driver’s Licence Provincial/Territorial Photo ID Card Passport (Photograph and ID Pages)/Permanent Resident Card ","url":"/learning-hub/faqs/digital-id-verification/what-government-issued-ids-do-you-accept","category":"FAQsCategory"},"3360e1ca-3086-5911-9f4a-6aab6ef513f7":{"page":"Is my PC Money™ Account automatically open after I complete the digital identity verification process?","description":"You still need to enroll and create a username and password in order to open up your new account. We’ll let you know when your account is ready to set up, and you are able to start funding your account.","url":"/learning-hub/faqs/digital-id-verification/is-my-pc-money-tm-account-automatically-open-after-i-complete-the-digital","category":"FAQsCategory"},"20a03b5f-f378-5732-a900-cc134fc3c71a":{"page":"If I am applying for a credit card, am I guaranteed approval after I complete the digital identity verification process?","description":"Approval for a PC Financial Mastercard® account is granted only after consideration of several factors, including digital identity verification. Digital identity verification is just one step of the application process for a PC Financial Mastercard®.","url":"/learning-hub/faqs/digital-id-verification/if-i-am-applying-for-a-credit-card-am-i-guaranteed-approval-after-i-complete","category":"FAQsCategory"},"8268e7df-573d-50fb-b898-5e9fa9c9473d":{"page":"What happens after I complete the digital identity verification process?","description":"We’ll be sure to let you know if you’ve been approved, or if approval is pending, shortly after you complete the digital identity verification process.","url":"/learning-hub/faqs/digital-id-verification/what-happens-after-i-complete-the-digital-identity-verification-process","category":"FAQsCategory"},"79f23733-f642-5ae4-8042-32d58565bb80":{"page":"I’m not able to complete the digital identity verification process at this time. What other options do I have?","description":"You’ll get an email about other ways you can verify your identity.","url":"/learning-hub/faqs/digital-id-verification/im-not-able-to-complete-the-digital-identity-verification-process-at-this-time","category":"FAQsCategory"},"7f3190ba-0310-5d8a-b210-9d6192ab7233":{"page":"What happens to the data I provide during the digital verification process with our third party? Is it safe?","description":"Your privacy and security is important to us. The information you provide is stored by us for regulatory purposes. Our third-party service provider Onfido keeps this data stored up to 90 days. We require Onfido and all their service providers to protect information in a manner that is consistent with our privacy policy.","url":"/learning-hub/faqs/digital-id-verification/what-happens-to-the-data-i-provide-during-the-digital-verification-process","category":"FAQsCategory"},"6ab212d4-7117-555d-826f-46f2c02b17f1":{"page":"Who is Onfido?","description":"Onfido is a globally recognized third-party identity verification provider that helps us verify your identity digitally through photo or video facial recognition.","url":"/learning-hub/faqs/digital-id-verification/who-is-onfido","category":"FAQsCategory"},"4c63f472-4b00-5545-ab7b-21322853858c":{"page":"Why am I being asked to identify myself?","description":"We’re required to verify your identity under Canadian regulations. Identity verification also helps protect you and us from fraud. Confirming your identity with digital identity verification is a quick and convenient way to complete this step compared to waiting 3-5 business days after uploading your documents on our website or verifying your identity at one of our PC Financial® pavilions.","url":"/learning-hub/faqs/digital-id-verification/why-am-i-being-asked-to-identify-myself","category":"FAQsCategory"},"5f44388e-ed30-58bd-998f-f784a6998a91":{"page":"Are there any fees associated with the PC Money™ Account?","description":"There is no monthly or annual fee associated with a PC Money™ Account. For a list of fees that may apply to certain transactions or services, please click here.","url":"/learning-hub/faqs/pc-money-account-101/are-there-any-fees-associated-with-the-pc-money-account","category":"FAQsCategory"},"37fa8cd0-e5d7-5371-bdc3-8aca780ef38c":{"page":"How do I recover my username online?","description":"If you've forgotten your username you can recover it online. Steps (Desktop) Go to the PC Financial sign in page Click on \"Forgot Username\" to recover your username Follow the steps to verify your identity Retrieve your username and look for a confirmation email Steps (Mobile) Launch the PC Financial mobile app. Tap on Forgot Username to recover your username ","url":"/learning-hub/faqs/login-help/how-do-i-recovery-my-username-online","category":"FAQsCategory"},"8278599d-06aa-537c-b7ea-7603a9d5e336":{"page":"How do I reset my password online?","description":"If you've forgotten your password, or find yourself locked out of your account, you can reset them online. \n\nBefore You Begin Make sure you are in a secure environment to reset your password Make sure you have your PC Financial® Mastercard® on hand You cannot reuse previously used passwords Steps (Desktop) Go to the PC Financial sign in page Click on \"Forgot Password\" to reset your password (don't forget to be creative and follow the guidelines to set a strong password!) Steps (Mobile) Launch the PC Financial mobile app Tap on Forgot Password to reset your password (don't forget to be creative and follow the guidelines to set a strong password!) ","url":"/learning-hub/faqs/login-help/how-do-i-reset-my-password-online","category":"FAQsCategory"},"5c63ab06-570a-596d-abdb-93fd55e0ec17":{"page":"How do I sign up for online banking?","description":"Setting up your PC Financial account for online banking is quick & simple. It will help you manage your transactions, all your accounts, track your rewards, and get support - all at your fingertips. Before You Begin Make sure you have your PC Financial Mastercard card on-hand, including the CVV numbers and postal code to where the card is registered. You will also be prompted to answer a few dynamic questions for security. Be creative – you will be setting up a Username and Password for your account. Log in to the email you used when signing up to verify your Online account. Steps (Desktop) Go to the PC Financial sign in page Fill out the required fields in the form, enter your personal card number, CVV number, and postal code. Click “Continue” once completed. Choose a Username and click “Continue”. Set a Password and click “Continue”. Please read and accept our Terms & Conditions for Online Banking. Verify your account by clicking on the link in the email we have just sent. You are all setup now! ","url":"/learning-hub/faqs/getting-started/how-do-i-sign-up-for-online-banking","category":"FAQsCategory"},"631b1f64-04bd-5597-8ab2-bdc2122d9250":{"page":"What is a goal account and how do I set one up in my PC Money™ Account?","description":"Creating a Goal account helps you put aside money towards things you’re saving for, like a trip, a special gift, or buying a new bike. You can make deposits into your goal account whenever you like, or set up daily, weekly, or monthly automatic transfers from your PC Money™ Account. Although you can’t access money you’ve set aside in your goal account for your everyday transactions, you can move the money you’ve saved back into your spending account if you need to, or easily cancel your goal account whenever you're ready to spend. Before you begin Only PC Money™ Account-holders can access goals.\n\nSteps Log in to your PC Financial mobile app or online account Click the “My goals” button on the dashboard (swipe left on the mobile app) Click the button to set up a new goal, and follow on-screen instructions ","url":"/learning-hub/faqs/pc-money-account-101/what-is-a-goal-account-and-how-do-i-set-one-up-in-my-pc-money-account","category":"FAQsCategory"},"a0a75285-a9ef-5131-b799-e251616f55d8":{"page":"How do I transfer funds into my PC Money™ account from another financial institution?","description":"You can transfer funds by linking an external account, or by sending yourself an Interac e-Transfer®. Sending yourself an Interac e-Transfer® is the fastest way to fund your account. Linking an external account may take up to 3 business days. Steps to send yourself an Interac e-Transfer® Send an Interac e-Transfer® from your external account, and input your own personal PC Money™ Account information. (Note that if you have Autodeposit set up with an external bank for the email address you’re using, you’ll need to disable Autodeposit in order to be able to receive the funds into your PC Money™ Account.) You'll get a text or an e-mail to deposit your Interac e-Transfer®. When you do, select your PC Financial account Follow the on-screen instructions to deposit your Interac e-Transfer®. To link an external account Log in to your PC Financial mobile app or online account Click the pay and transfer button (the plus sign \"+\" on your mobile app) Click Move Money Hit Link External Account, and follow on-screen instructions to enter account information Wait up to 3 business days until your micro deposits show up in the external account you are linking. Make a note of the amounts of the micro deposits Repeat steps 1 -3 and confirm the amounts of the micro deposits when prompted You will see a “success” screen verifying that your account has been linked ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-transfer-funds-into-my-pc-money-account-from-another-financial","category":"FAQsCategory"},"117ade83-f002-50ba-8133-60983ada8755":{"page":"How do I use the PC Money™ Account card in-store and at ATMs? Do I select Credit or Debit at a point of sale (POS) system?","description":"Some Credit Card terminals and Debit machines do not distinguish between debit and credit. However, if you are prompted to choose, please ask the merchant to select \"Credit\" in order to use your PC Money™ Account.","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-use-the-pc-money-tm-account-card-in-store-and-at-atms","category":"FAQsCategory"},"bff641e0-e595-5ff7-9b40-a8ca229b829e":{"page":"How do I access my transactions on the PC Financial app?","description":"You can view up to 13 months of transactions by logging into the PC Financial mobile app or access your account online through digital banking. Steps (Desktop) Sign into your online account Click \"Transactions\" on the top navigation Select the account you want to see transactions for Steps (Mobile App) Sign into your mobile app Swipe left or right to your account tile Tap the tile to view transactions ","url":"/learning-hub/faqs/manage-accounts/how-do-i-access-my-transactions-on-the-pc-financial-app","category":"FAQsCategory"},"a6e59d72-1de5-59f0-866b-ca8758c3d1db":{"page":"How do I access my statements?","description":"You can register to view your statements online through our mobile app or digital banking. By opting to receive electronic statements instead of paper statements, you will receive electronic statements through your online account and receive them on your statement date. Steps (Desktop/Mobile) Sign into your online account Click \"Accounts & Cards\" Click \"Accounts\" & select the account for which you want to access statements Click \"E-statements\". ","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-access-my-statements","category":"FAQsCategory"},"c87d3a15-9d59-5836-ae8e-e02f33113ff7":{"page":"Can I complete this transaction without confirming my identity?","description":"If you are not able to confirm your identity through a One-Time Passcode (OTP) verification that is sent via SMS (text) to your registered mobile phone number on file with PC Financial, you will not be able to proceed with your purchase. You will need to contact PC Financial Mastercard® at 1-866-246-7262 to further assist you with the information needed to make the online transaction.","url":"/learning-hub/faqs/mastercard-securecode/can-i-complete-this-transaction-without-confirming-my-identity","category":"FAQsCategory"},"6aa19392-ff2e-5961-bf73-7ec7164f7228":{"page":"Can customers still earn PC Optimum points when they use their PC Financial Mastercard in Google Pay?","description":"Yes, customers will continue to earn PC Optimum points for every dollar spent on with their loyalty card and be able to redeem their PC Optimum points. However until further notice, in order to keep earning PC Optimum points from personalized digital offers and on-shelf offers at Loblaw stores they must tap their PC Optimum device (ie. PC Optimum card, , smartphone app, PC Optimum barcode within Google Pay or plastic PC Financial Mastercard) PRIOR to paying with Google Pay. Therefore, you will need to tap twice during the transaction; first to capture your PC Plus membership and second to capture your payment information. If they simply tap once with Google Pay, it will not recognize their loyalty account and they will not earn their points for that purchase.","url":"/learning-hub/faqs/mobile-wallet/can-customers-still-earn-pc-optimum-points-when-they-use-their-pc-financial-mastercard-in-google-pay","category":"FAQsCategory"},"799ec02e-4bfa-5581-92a9-21bad4732c8d":{"page":"As a President’s Choice Financial customer, do the PC Optimum Terms and Conditions apply to me?","description":"Yes. PC Financial customers are subject to the PC Optimum program Terms and Conditions.","url":"/learning-hub/faqs/pc-optimum/as-a-presidents-choice-financial-customer-do-the-pc-optimum-terms-and-conditions-apply-to-me","category":"FAQsCategory"},"b226e404-618c-59b2-a965-e0567231514e":{"page":"Are there any fees associated with my President’s Choice Financial Mastercard?","description":"Cash Advance at a bank machine or teller in Canada: $3.50 Cash advance outside Canada: $5 Overlimit charge if over the credit limit on statement date: $29 (for Quebec residents as of July 1, 2019 statements: $0); Cash equivalent transaction (such as for a wire transfer or money order): 1% (minimum $5, maximum $10); Dishonoured payment or convenience cheque: $42; Copy of a sales draft: $10 (for Quebec residents as of July 1, 2019: $0); Copy of a previous account statement: $10; Credit balance refund made by cheque: $20 Balance Transfer: 1% of the transferred amount will be charged for balance transfers requested 6 months or more after account approval. Inactive account: if on your statement date there is a credit balance on your account and there has been no activity on your account (meaning no debits, credits, interest or fees) for the preceding 12 consecutive months, your account is subject to a fee equal to the lesser of $10 or the credit balance amount.","url":"/learning-hub/faqs/pc-mastercard-101/are-there-any-fees-associated-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"89a527c9-a37d-5a17-b180-b5249a85be27":{"page":"How do I apply for Overdraft Protection?","description":"Overdraft Protection is a safety net for when funds in your PC Money™ Account fall below $0. Optional overdraft protection allows you to temporarily borrow funds up to your approved credit limit when you don’t have enough money in your account to complete a transaction. This may allow you to complete the transaction and avoid a Non-Sufficient Funds (NSF) fee. When your account is in overdraft there is a fee charged each month in addition to interest charges on the outstanding overdraft amount. Overdraft Protection is subject to credit approval; interest and fees apply only when you use it.\n\n\nSteps Sign in to your PC Financial mobile app or online account Click cards and accounts Select your PC Money™ Account Click Overdraft Protection Follow the onscreen instructions to enter your desired Overdraft Protection limit amount, and some extra information we need to approve your request Confirm your request ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-apply-for-overdraft-protection","category":"FAQsCategory"},"003a59ca-7bdf-5f58-84a5-aa8eb72a966f":{"page":"How do I find my branch, institution or account numbers and set up direct payroll or pension deposits to my PC Money™ Account?","description":"Your account, branch (transit) and institution number can be used to set up payroll or pension direct deposits into your PC Money™ Account from your employer or other parties.\n\nSteps Sign in to your PC Financial mobile app or online account Click cards and accounts Select your PC Money™ Account Click Account Information Provide your account information privately to your employer ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-find-my-branch-institution-or-account-number","category":"FAQsCategory"},"c7484d29-7e05-5560-b6ef-cbd889215be2":{"page":"Do I earn PC Optimum points on my PC Money™ Account?","description":"You bet. Your PC Money™ Account earns you 5 regular PC Optimum points plus 5 bonus PC Optimum points* for every $1 of your purchases, everywhere Mastercard® is accepted. Don't forget to link your card with your PC Optimum account to earn more points with your personalized offers at participating stores. *Earn 5 regular PC Optimum points plus a bonus of 5 PC Optimum points per dollar of your purchases with your PC Money™ Account. President’s Choice Bank reserves the right to cancel, change or extend regular and bonus points earning rates as of September 30, 2021. PC Optimum points will be deducted for any returns. Account must be in good standing at time of qualifying transaction and awarding of points. Minimum redemption is 10,000 PC Optimum points (worth $10 in rewards) and in increments of 10,000 points thereafter at participating stores where President’s Choice® products are sold. Some redemption restrictions apply; visit pcoptimum.ca for details, participating stores and full loyalty terms and conditions.","url":"/learning-hub/faqs/pc-money-account-101/do-i-earn-pc-optimum-points-on-my-pc-money-account","category":"FAQsCategory"},"f90539d8-0614-5800-a4fe-f495258edc01":{"page":"How do I cancel an Interac e-Transfer®?","description":"You can cancel an Interac e-Transfer® before your recipient deposits it (unless the recipient has auto deposit enabled) by logging into your account. Please note, you will be charged a fee to cancel an Interac e-Transfer®.\n\nSteps Log in to your PC Financial mobile app or online account Click the pay and transfer button (the \"+\" on your mobile app) Click Interac e-Transfer® Click Send money Click scheduled and pending Click on the transaction you’d like to cancel Click cancel ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-cancel-an-interac-e-transfer","category":"FAQsCategory"},"96d4d96c-2fbc-585f-9466-64c0da58c3bf":{"page":"How do I request money through Interac e-Transfer®?","description":"Easily request an Interac e-Transfer® from friends and family with your PC Money™ Account. Steps Log in to your PC Financial mobile app or online account Click the pay and transfer button (the \"+\" on your mobile app) Click Interac e-Transfer® Click request money Select or add your contact Input the amount you want to request Confirm your Interac e-Transfer® Your contact will receive the request and can accept to send you the Interac e-Transfer® ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-request-money-through-interac-e-transfer","category":"FAQsCategory"},"370fcafa-0493-5c93-ade9-093c9981e72f":{"page":"What is Interac e-Transfer® Autodeposit?","description":"When you have the Interac e-Transfer® Autodeposit feature enabled, money that you receive via Interac e-Transfer® will be deposited into your PC Money™ Account automatically, without the need for you to answer a security question. Steps Log in to your PC Financial mobile app or online account Click the pay and transfer button (the \"+\" on your mobile app) Click Interac e-Transfer® Click Manage Autodeposit Enter your email or phone number that your friends and family use to send you\nan Interac e-Transfer® Confirm the account in which you want the funds deposited Interac will send you an email or text to verify your Autodeposit: click the link to confirm your email address or mobile phone number. ","url":"/learning-hub/faqs/pc-money-account-101/what-is-interac-e-transfer-autodeposit","category":"FAQsCategory"},"0fb9ac33-593c-5dbb-8dcb-02cb62e8ae56":{"page":"How do I send an Interac e-Transfer®?","description":"Easily send friends and family an Interac e-Transfer® with your PC Money™ Account. Steps Log in to your PC Financial mobile app or online account Click the pay and transfer button (the \"+\" on your mobile app) Click Interac e-Transfer® Click Send money Select or add your contact Input the amount you want to send Confirm your information ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-send-an-interac-e-transfer","category":"FAQsCategory"},"9c9d2ab8-252d-5a24-954f-2e75778c5d32":{"page":"How can I access my PC Money™ Account agreement and legal information?","description":"You can access your key legal documents in your online account notification center, and general legal information in the Legal & Privacy section on our website. If you have deleted your notification, the latest PC Money™ Account agreement is available here Steps Log in to your PC Financial mobile app or online account Click the bell icon to reach the notifications center Scroll down until you see a welcome notification, and click to access your\nlegal documents ","url":"/learning-hub/faqs/pc-money-account-101/how-can-i-access-my-pc-money-account-agreement-and-legal-information","category":"FAQsCategory"},"8948ce0e-7b44-5c9f-bfca-999a86e4e82b":{"page":"How can I deposit a cheque","description":"Unfortunately, you cannot deposit cheques into your PC Money™ Account at this time.","url":"/learning-hub/faqs/pc-money-account-101/how-can-i-deposit-a-cheque","category":"FAQsCategory"},"99384d4e-9065-5d0d-b49b-2af2536803cb":{"page":"How do I order cheques?","description":"Unfortunately, you cannot order cheques at this time.","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-order-cheques","category":"FAQsCategory"},"33bfc914-f469-5059-ae2c-a7c32a793dbe":{"page":"Can I deposit and withdraw cash from an ATM?","description":"You can withdraw cash from your PC Money™ Account without incurring fees through one of our many PC Financial ATMs. You can also withdraw cash from a 3rd party ATM, subject to a fee (see fee schedule). You will need to select “Credit Card” under the card options and you may also be charged a convenience charge by the operator of the bank machine for the transaction. At this time, you cannot deposit cash or cheques into your PC Money™ Account. For full terms and conditions of your account, please refer to your Account Agreement.","url":"/learning-hub/faqs/pc-money-account-101/can-i-deposit-and-withdraw-cash-from-an-atm","category":"FAQsCategory"},"59b9ee45-6208-59f1-b42c-9b12cf5353fe":{"page":"What browser do I need to use Mastercard® SecureCode™ service?","description":"Mastercard® SecureCodeTM functions best with Microsoft Internet Explorer version 8.0 or above, Chrome 42 or above and Firefox 37 or above. If you have a different browser and need assistance, please contact President's Choice Financial® Mastercard® at 1-866-246-7262.\n\n","url":"/learning-hub/faqs/mastercard-securecode/what-browser-do-i-need-to-use-mastercard-securecode-service","category":"FAQsCategory"},"16c4be76-434d-52ef-9cc5-2039b227be85":{"page":"Does Mastercard® SecureCode™ service cost me anything?","description":"No, Mastercard® SecureCodeTM service is free.","url":"/learning-hub/faqs/mastercard-securecode/does-mastercard-securecode-service-cost-me-anything","category":"FAQsCategory"},"254a5621-7555-5efe-a68b-866ddb733e59":{"page":"Why am I seeing this Mastercard® SecureCode™ screen?","description":"A One-Time Passcode (OTP) notification may appear when you are shopping online at participating Mastercard® SecureCode™ merchants and your transaction appears “higher risk” or “out of the norm” of your usual online shopping activity. Once you have correctly verified the OTP passcode and we have confirmed your identity, you will be able to continue with your purchase.","url":"/learning-hub/faqs/mastercard-securecode/why-am-i-seeing-this-mastercard-securecode-screen","category":"FAQsCategory"},"44e384a7-797b-5bd9-b444-ee66595339e2":{"page":"Will I be able to purchase at merchants that accept Mastercard but do not participate in the Mastercard® SecureCode™ service?","description":"Yes, but you will not be asked to verify the One-Time Passcode (OTP) during an online purchase at these merchants.","url":"/learning-hub/faqs/mastercard-securecode/will-i-be-able-to-purchase-at-merchants-that-accept-mastercard-but-do-not-participate-in-the-mastercard-securecode-service","category":"FAQsCategory"},"150068d3-6147-55c3-a1a6-9bfcfbd89cb5":{"page":"How will Mastercard® SecureCode™ impact my purchase?","description":"Aside from the added protection that Mastercard® SecureCodeTM provides, the only impact to your purchase will be that you may need to verify the One-Time Passcode (OTP) sent via SMS (text) to your registered mobile phone number on file with PC Financial when the notification pops up, and then wait a few second while PC Financial Mastercard confirms your identity.","url":"/learning-hub/faqs/mastercard-securecode/how-will-mastercard-securecode-impact-my-purchase","category":"FAQsCategory"},"3d815fd3-4704-57d2-909a-629995f0743b":{"page":"How does Mastercard® SecureCode™ protect me?","description":"When you correctly verify the One-Time Passcode (OTP) during an online purchase at a participating merchant, PC Financial Mastercard confirms that you are the authorized cardholder and permits your purchase to continue. If the OTP is entered incorrectly, the purchase will not go through. So even if someone knew your card number, they would not be able to use your account at that merchant.","url":"/learning-hub/faqs/mastercard-securecode/how-does-mastercard-securecode-protect-me","category":"FAQsCategory"},"5863fca8-706c-5026-9fd6-175ad100f57e":{"page":"How does Mastercard® SecureCode™ work?","description":"When you make an online purchase at a participating merchant, a One-Time Passcode (OTP) notification may automatically pop-up asking for the SMS (text) passcode to be sent to your registered mobile phone number on file with PC Financial. When you correctly answer the security questions, PC Financial Mastercard confirms that you are the authorized cardholder and permits your purchase to continue.","url":"/learning-hub/faqs/mastercard-securecode/how-does-mastercard-securecode-work","category":"FAQsCategory"},"9f9e9557-6b22-5417-b3ea-9ac0e2259e16":{"page":"What is Mastercard® SecureCode™?","description":"Mastercard® SecureCodeTM adds an extra layer of protection by helping to confirm your identity through a One-Time Passcode (OTP) verification that is sent via SMS (text) to your registered mobile phone number on file with PC Financial, when “higher risk” or “out of the norm” online transactions are made. Mastercard® SecureCode lets you enjoy extra security and peace of mind when shopping online at participating merchants.","url":"/learning-hub/faqs/mastercard-securecode/what-is-mastercard-securecode","category":"FAQsCategory"},"d6027c7b-b899-505d-acf7-f2f5d936c0f8":{"page":"Should I pay off my Overdraft Protection balance on time? What happens if I miss a payment?","description":"When you're in overdraft, you should pay off your overdraft balance as quickly as possible. If you miss a payment, you will be charged interest on your outstanding overdraft balance and could be charged an additional fee if you remain in overdraft in the following month. You can pay off your overdraft balance by funding your account with an Interac e-Transfer®, or through a linked bank account. Steps to send yourself an Interac e-Transfer® Send an Interac e-Transfer® from your external bank, inputting your own information When you get a text or email to deposit your Interac e-Transfer®, select your PC Financial account Follow the onscreen instructions to deposit your Interac e-Transfer® Steps to link an external account Log in to your PC Financial mobile app or online account The pay and transfer button (the \"+\" on your mobile app) Click Move Money Click Link External Account, and follow on screen instructions to enter the account information Wait up to 3 business days until your micro deposits show up in your linked account Follow the same steps to view and verify your account ","url":"/learning-hub/faqs/managing-your-account/should-i-pay-off-my-overdraft-protection-balance-on-time","category":"FAQsCategory"},"540e31a7-9eb8-525d-9385-fec9ce09b77f":{"page":"Can I change or remove my Overdraft Protection limit?","description":"Need more or less Overdraft Protection on your PC Money™ Account? You can request an increase or decrease to your limit, or remove Overdraft Protection from your account. Steps Sign in to your PC Financial mobile app or online account Click cards and accounts Select your PC Money™ Account Click Overdraft Protection Follow the onscreen instructions to enter your new desired amount: to remove Overdraft Protection, enter $0 Confirm your request ","url":"/learning-hub/faqs/managing-your-account/can-i-change-or-remove-my-overdraft-protection-limit","category":"FAQsCategory"},"ef257cdd-0b6a-5a8d-a93a-538dde55b5d3":{"page":"How long does it take for a pending transaction to post to my account?","description":"Pending transactions typically take up to 3 business days to post to your PC Money™ Account.","url":"/learning-hub/faqs/managing-your-account/how-long-does-it-take-for-a-pending-transaction-to-post-to-my-account","category":"FAQsCategory"},"70f3a5a3-00f3-5717-acae-f7d8bac343d5":{"page":"How do I set up a pre-authorized payments with my PC Money™ Account?","description":"You can set up pre-authorized payments for a future date by providing a merchant with your card number or full account information. Steps Sign in to your PC Financial mobile app or online account Click Cards and Accounts Select your PC Money™ Account Click Account Information Provide your account information privately to the merchant ","url":"/learning-hub/faqs/managing-your-account/how-do-i-set-up-a-pre-authorized-payments-with-my-pc-money-account","category":"FAQsCategory"},"d365d70b-a44a-5a26-8dec-e7bff61d94a4":{"page":"Can I download my PC Financial Mastercard® transactions to a file that can be used with third-party software?","description":"For your convenience, you can export your PC Financial Mastercard® transactions to a .csv file that can be used with standard spreadsheet software. Third-party financial management software file formats are currently not supported, but we continue to look at ways to improve the customer experience.","url":"/learning-hub/faqs/managing-your-account/can-i-download-my-pc-financial-mastercard-transactions-to-a-file-that-can-be-used-with-third-party-software","category":"FAQsCategory"},"a8d695bd-3a48-560d-bb16-9955de54afad":{"page":"Can I request convenience cheques for my President’s Choice Financial Mastercard account?","description":"Yes, you can request a new set of 10 convenience cheques anytime. Simply sign in to your PC Financial online account and request a set of convenience cheques under Settings, Convenience Cheques, and you’ll receive your cheques in 7-10 business days. Click here to get started.","url":"/learning-hub/faqs/managing-your-account/can-i-request-convenience-cheques-for-my-presidents-choice-financial-mastercard-account","category":"FAQsCategory"},"d91d4221-1581-58f7-a749-dbe326d9d40e":{"page":"What is a 2 step verification?","description":"Two step verification is how PC Financial offers an extra layer of protection to ensure that you and only you have access to your account. You will be required to set up your 2 step verification when you enroll for a PC Financial online account. A code will replace personal verification questions and be sent to you by email, text or voice.","url":"/learning-hub/faqs/managing-your-account/what-is-a-2-step-verification","category":"FAQsCategory"},"a438c913-a8e5-5316-84bb-f22d328a8c6f":{"page":"How do I change my account nickname?","description":"You can change your account nickname through your PC Financial online account. Once signed in, navigate to “Accounts & Cards”. Make sure you’re toggled to “Account” and select the account you’d like to change your nickname for. Select \"Nickname” to edit that account's nickname.","url":"/learning-hub/faqs/managing-your-account/how-do-i-change-my-account-nickname","category":"FAQsCategory"},"a66b1156-f258-5425-9a83-fe95927c9407":{"page":"How do I protect the security of my PIN?","description":"Your Personal Identification Number (PIN) is incredibly important. You should memorize it and never disclose it to anyone. Your PIN should be easy for you to remember, but not easily guessed by others. Don't write your PIN down or store it electronically Never give your PIN to anyone including over the phone, online or by email Protect your PIN. Use your hand and/or body to shield your PIN when you enter it ","url":"/learning-hub/faqs/managing-your-account/how-do-i-protect-the-security-of-my-pin","category":"FAQsCategory"},"75c5ae15-7f2e-5f66-8980-acc0e21e42c0":{"page":"I've submitted an online request. When will my request be completed?","description":"We will address your request within 48 hrs. You will see a notification in the message center that either your request has been fully processed, there’s an update to request status, or a message from one of our service representatives about your request needing more information or confirming the request details. \n\nYou can view your messages by signing into your PC Financial online account. \n\nOn the web\nNavigate to your profile menu by selecting your profile picture (or the placeholder image if you haven't uploaded a profile picture) in the top right corner of the screen. Select “Support” and navigate to “Messaging Centre” to access your messages. \n\nOn the mobile app\nNavigate to your profile menu by tapping the “more” button (last button in the bottom row with 4 dots). Select “Support” and navigate to “Messaging Centre” to access your messages.","url":"/learning-hub/faqs/managing-your-account/ive-submitted-an-online-request-when-will-my-request-be-completed","category":"FAQsCategory"},"6eb19bd4-9995-5633-bd41-d1eebdb942df":{"page":"How can I manage my Authorized Users in my online account?","description":"You can add and manage authorized users on your credit card through your PC Financial online account on desktop or through the mobile app. \n\nOnce signed in, navigate to “Accounts & Cards”. Make sure you’re toggled to “Accounts” and select the account you'd like to add an authorized user to.\n\nPlease note that to remove an authorized user you must call 1 866 246 7262.\n\nNote: Your authorized user will not see the name you have given their card even if they have an online account. ","url":"/learning-hub/faqs/managing-your-account/how-can-i-manage-my-authorized-users-in-my-online-account","category":"FAQsCategory"},"9d3f28a2-341b-5210-b0f6-91fa95a352c8":{"page":"Can my authorized user have access and manage my account online too?","description":"Your authorized user can enroll for their own online account and has view rights to certain information your account, including transactions, balances, available credit, account status, and payment details. Authorized users may view monthly electronic statements and all of the transactions made by any cardholder on your account on an ongoing basis. Authorized users are not permitted to make changes to the account, only the Primary cardholder has those rights\n\nThe authorized user can manage their profile online and subscribe to alerts.","url":"/learning-hub/faqs/managing-your-account/can-my-authorized-user-have-access-and-manage-my-account-online-too","category":"FAQsCategory"},"75c588aa-4df2-5beb-a480-bd400ba00cfa":{"page":"How can I resolve my concerns with President’s Choice Financial?","description":"PC Bank is committed to resolving customer complaints fairly and in a timely manner. We value customer feedback and encourage you to contact us with your complaints to give us an opportunity to resolve your concerns. Please follow these steps if you have a complaint.\n\nStep One: \nPlease contact our call centre at 1 866-246-PCMC (7262) and one of our Customer Service Representatives will assist you with your concerns.\n\nStep Two: \nIf your concern is not resolved to your satisfaction, then you may escalate to President's Choice Bank Executive Customer Care. There are two methods which may be used to contact Executive Customer Care:\nPhone: 1 866 822 8775\nEmail: customercare@pcbank.ca\n\nStep Three: \nIf you feel that President's Choice Bank Executive Customer Care has not addressed your concern to your satisfaction, you may then contact the President's Choice Bank Ombudsman directly by email at ombudsman@pcbank.ca, or by mail at President's Choice Bank Ombudsman, 25 York Street, P.O. Box 201, 7th floor, Toronto, ON, M5J 2V5.\nPlease note that the Ombudsman will only be able to accept your request for an independent review if you have completed steps 1 and 2 and your case has already been addressed by President's Choice Bank Executive Customer Care and you are not satisfied with the outcome. Otherwise, your case will be referred back to President's Choice Bank Executive Customer Care for appropriate review prior to the Ombudsman's involvement.\n\nIf you cannot accept the decision of the President's Choice Bank Ombudsman, you can contact the Ombudsman for Banking Services and Investments (OBSI), who is independent from President's Choice Bank and whose purpose is to review your complaint. You can contact OBSI by phone at 1 888 451 4519, by fax at 1 888 422 2865, by email at ombudsman@obsi.ca, or by mail at Ombudsman for Banking Services and Investments, 401 Bay Street, Suite 1505, P.O. Box 5, Toronto, ON M5H 2Y4 or visit OBSI's website at: www.obsi.ca.\n\nThe Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions, such as President's Choice Bank. If you have a complaint regarding a potential violation of federal consumer protection laws, you can contact the FCAC in writing at: Financial Consumer Agency of Canada, 427 Laurier Avenue West, 6th Floor, Ottawa ON K1R 1B9 or through the website at www.fcac-acfc.gc.ca. The FCAC will determine whether the financial institution is in compliance. It will not, however, resolve individual consumer complaints.\n\nPC Bank's Annual Ombudsman's report can be found here.","url":"/learning-hub/faqs/managing-your-account/how-can-i-resolve-my-concerns-with-presidents-choice-financial","category":"FAQsCategory"},"2b651116-0ccc-5276-9706-14e916683bf0":{"page":"What is the minimum payment on my President’s Choice Financial Mastercard?","description":"Any past due amounts, plus: your statement balance if $10 or less, or the greater of (a) $10 (b) 2.2% of your total statement balance (5% for new accounts issued to Quebec residents as of July 1, 2019), or (c) The interest charges and fees billed on the current statement plus $1.","url":"/learning-hub/faqs/managing-your-account/what-is-the-minimum-payment-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"9b0cdcd9-b03a-5fff-8093-58018647df6c":{"page":"How often do I have to make a payment on my President’s Choice Financial Mastercard account?","description":"If there’s a balance on your account, you’ll receive account statements monthly either online electronically or by postal mail, depending on your account preferences. You need to pay at least the minimum payment due by the payment due date shown on your account statement. Payments must be made in Canadian currency.\n\nIf you fail to pay at least the minimum payment due by the payment due date for two consecutive billing periods, the default interest rate will be applied to your account balance. Please see the \"good standing\" section in your cardholder agreement for more information.","url":"/learning-hub/faqs/managing-your-account/how-often-do-i-have-to-make-a-payment-on-my-presidents-choice-financial-mastercard-account","category":"FAQsCategory"},"3dfbd85d-d51a-5b9e-bd30-34fc35235b41":{"page":"How do I change my PIN on my President’s Choice Financial Mastercard?","description":"Easy. You can do it online. Simply, sign into your online account and update your Personal Identification Number (PIN) from within the Card Management section found in the top navigation. You can contact Customer Service by calling the telephone number located on the back of your card. Make sure when you’re changing your PIN that you don’t use any obvious numbers, your birth date, or part of your phone number. Also, don't share your PIN to anyone.","url":"/learning-hub/faqs/managing-your-account/how-do-i-change-my-pin-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"4b88ad68-714c-5cf9-be96-6c1062a69ba5":{"page":"Can I request a credit limit increase or decrease?","description":"You can request a credit limit increase or decrease through your PC Financial online account. \n\nOnce signed in, navigate to “Accounts & Cards”. Make sure you’re toggled to “Accounts” and select the account you’d like to change your credit limit for. Select the \"Credit Limit button and follow instructions on-screen to change your credit limit.","url":"/learning-hub/faqs/managing-your-account/can-i-request-a-credit-limit-increase-or-decrease","category":"FAQsCategory"},"6a584e95-c813-559f-b9f5-f6f985ede578":{"page":"What do I do if I damaged my President’s Choice Financial Mastercard and need a new one?","description":"You can request a replacement card by singing into your PC Financial online account and select Replace Card under Settings. Your new card will arrive in up to 10 business days. Please note, when ordering a new card we will immediately lock your old card. Click here to get started.","url":"/learning-hub/faqs/managing-your-account/what-do-i-do-if-i-damaged-my-presidents-choice-financial-mastercard-and-need-a-new-one","category":"FAQsCategory"},"2219eacb-dee6-56ca-add4-f20e6503e65d":{"page":"Can I temporarily lock my President’s Choice Financial Mastercard?","description":"Yes, you can lock your card if you want to temporarily disable it without replacing it. \n\nTemporarily locking a card online:\nYou can lock your card if you temporarily misplace it and don’t want to change your account number or report it as lost or stolen. Once locked, it’s easy to unlock your card online.\n\nWhen you lock your card you will no longer be able to make any new purchases (in-store, online or over the phone) or make any cash withdrawals. You can still move money, make bill payments, incur fees, incur interest on overdraft, and redeem rewards. Some exempted transactions may still go through when you lock your card.\n\nTo lock your card through your PC Financial online account. Once signed in, navigate to “Accounts & Cards”. Make sure you’re toggled to “Cards” and select the card you’d like to lock. Select the \"Lock card\" button and follow instructions on-screen.","url":"/learning-hub/faqs/managing-your-account/can-i-temporarily-lock-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"21299b7f-0dc8-5394-94c6-2492c26f669e":{"page":"What should I do if my card is lost, stolen or damaged?","description":"You can can report your card as lost, stolen, or damaged through your online account. If your card is lost or stolen, we will freeze your card and send you a new one. If your card was damaged, and you still have it, we will send you a new card and you can continue using your card in the meantime. \n\nSteps (Desktop/Mobile): Sign into your online account Click \"Account & Cards\" Click \"Cards\" Click \"Lost / Damaged Card\" if you are still in possession of your card, but need a new one Click \"Lost / Stolen\" if you no longer have your card Follow the on-screen prompts to complete your request ","url":"/learning-hub/faqs/managing-your-account/what-should-i-do-if-my-card-is-lost-stolen-or-damaged","category":"FAQsCategory"},"72460c9d-03f8-5733-88ae-3438697c49c6":{"page":"How do I manage my PC Financial online account notification or communication preferences?","description":"You can manage your notification or communication preferences through your PC Financial online account.\n\nOn the web\nNavigate to your profile menu by selecting your profile picture (or the placeholder image if you haven't uploaded a profile picture yet) in the top right corner of the screen. Select “Notification preferences”. \n\nOn the mobile app\nNavigate to your profile menu by tapping the “more” button (last button in the bottom row with 4 dots). Select “Notification preferences”. Make sure the correct account is selected by looking at the drop down menu and the top of the screen.","url":"/learning-hub/faqs/managing-your-account/how-do-i-manage-my-pc-financial-online-account-notification-or-communication-preferences","category":"FAQsCategory"},"4bb2fac7-188a-5568-a896-9913534b1421":{"page":"How do I sign in for the first time?","description":"There are a few steps we'll take you through to sign in for the first time on the new website: Sign in with your existing username and password.\nVerify your account with your account number, card details and personal details.\nConfirm your email address.\nConfirm or set your username.\nSet your new password. Your password must be at least 10 digits, include an upper and lower case letter, a number and a symbol. Your password cannot contain any portion of your username.\nAccept the Terms and Conditions.\nSet up two-step verification. This is the channel where your secondary verification code will be sent as an added layer of security when needed.\nOptional: add your computer as a trusted device.","url":"/learning-hub/faqs/managing-your-account/how-do-i-sign-in-for-the-first-time","category":"FAQsCategory"},"504979f6-8945-53a3-8c19-f08753f92204":{"page":"What features are included with a PC Financial Mastercard online account?","description":"Some of the features of an online account include: Personalized dashboard with easy access to your account balance, available credit, payment due date and more Ability to search, sort and filter your transactions Access to your electronic statements Ability to set travel notices Add an Authorized User to your account Update your PIN Online customer service and support And so much more… ","url":"/learning-hub/faqs/managing-your-account/what-features-are-included-with-a-pc-financial-mastercard-online-account","category":"FAQsCategory"},"d2c88e83-73c7-5a49-bc77-7f1460593f49":{"page":"You’ve registered a transaction dispute, now what?","description":"If you’ve registered your dispute through your PC Financial Mastercard online account, please email your supporting documentation to our Dispute Resolution Team at:\n\ndocuments@pcmastercard.ca \n\nIf you’ve called our Dispute Specialists and requested that a Dispute Form be mailed to you, please complete the details required, attach required supporting documentation and e-mail us at: \n\ndocuments@pcmastercard.ca \n\nAlternately you may: \n\nMail documentation to: \n\nPC Financial Mastercard\nP.O. BOX 4403, Station A, Dept. 5115\nToronto, ON M5W 5Y4\nAttention: Chargeback Department \n\nOr Fax: \nFAX: 1-866-271-7262 \n\nIf we need additional information, we’ll let you know. Please be aware that PC Financial Mastercard is governed by Mastercard Rules and Regulations and must abide by the timeframes established by Mastercard. \n\nOnce a chargeback has been processed, a temporary credit for the disputed transaction will be applied to your account. Interest is not charged for a disputed transaction while under investigation. If you are paying your statement balance in full, you may deduct the disputed amount from your payment if you would like, while still benefiting from the interest free grace period on new purchases appearing for the first time on the statement. \n\nA merchant will have the opportunity to provide a rebuttal and this may take up to 45 days. If a rebuttal is received and further information is required, you will be contacted by our Dispute Resolution Team either by phone or mail. You will only be contacted if further information or details are required. \nProtecting yourself from unwanted activity \n\nHere are some helpful tips to keep in mind that will help protect you: When shopping online, be sure the website has “https” in the address line, which indicates it’s secure Always read the terms and conditions of the offer, purchase or contract before you provide your information, such as credit card number and personal contact details. Be wary of “Free Trials”. The terms and conditions for the “Free Trial” may indicate additional charges and products that you may not want. The only way to stop this will be for you to cancel with the merchant. Contracts will always include cancellation conditions. Be aware and ensure you are comfortable with all of the conditions and address them with the merchant prior to committing if you are not. Our assistance may be limited to what’s specified in the terms you have agreed to Be aware of your surroundings, and don’t present your card until it’s necessary and only if you are expecting to make a purchase. Don’t read your card number out loud in public; use your hand or body to keep your PIN hidden on keypads ; and ensure if a cashier asks for your card, it always remains in your sight. Shred your statements and other papers that show your card number, rather than throwing them in the trash or recycle bin ","url":"/learning-hub/faqs/statements/youve-registered-a-transaction-dispute-now-what","category":"FAQsCategory"},"0127a1a1-e180-5322-b9e5-46e3dc3d6947":{"page":"What do I do if I would like to dispute a transaction?","description":"Don't recognize a transaction? Please contact the merchant first to request a reversal of the transaction. If the situation is not resolved through this step, you can dispute it directly through your online account. Steps (Desktop/Mobile) Sign into your online account Click \"Transactions\" Click on the transaction you would like to dispute Click \"Dispute this transaction\" Select the reason why you are disputing, and attach any necessary documentation. Add \"more transactions to dispute\", if necessary Confirm your dispute ","url":"/learning-hub/faqs/statements/what-do-i-do-if-i-would-like-to-dispute-a-transaction","category":"FAQsCategory"},"11d4ee65-9fee-5393-bf93-e59bc082132e":{"page":"What do I do if I think there's a mistake shown on my statement?","description":"If there is a transaction on your monthly statement that you don't recognize or want to dispute, simply sign in to your account online and make an online disputed transaction request. You can also call 1 866 246 PCMC (7262) within 30 days of the statement date and we’ll investigate on your behalf. If you suspect that your PC Mastercard is being used without your knowledge or consent, please call 1 866 246 PCMC (7262) immediately and one of our customer service representatives will assist you.","url":"/learning-hub/faqs/statements/what-do-i-do-if-i-think-theres-a-mistake-shown-on-my-statement","category":"FAQsCategory"},"c3d0f136-8bc4-5e80-b6b9-b453ecafc351":{"page":"Is my electronic statement the same as my monthly printed statement?","description":"Yes, your electronic statements will contain the same information as your printed statement. The advantage of electronic statements is that you’ll get them more quickly than by postal mail and you'll have access to up to 24 months' worth of statements online. \n\nYou can view your e-statements by logging into your PC Financial online account and navigating to \"Accounts & Cards\". Make sure you're toggled to \"Accounts\" and have selected the account you'd like to see e-statements for. Select \"E-statements\" to continue. ","url":"/learning-hub/faqs/statements/is-my-electronic-statement-the-same-as-my-monthly-printed-statement","category":"FAQsCategory"},"f41e1708-7c63-5634-bd5b-9eda56acc339":{"page":"How often do I receive my account statements?","description":"If there’s a balance or any activity on your account, you'll receive a statement each month either by mail or electronically depending on your account preferences.\n\nYou can stop paper statements anytime through your PC Financial online account. Once signed in, navigate to \"Accounts & Cards” Make sure you’re toggled to “Account” and select the account you’d like stop receiving paper statements for Select \"E-statements\". You should see an option to stop paper statements if paper statements are still active for the selected account ","url":"/learning-hub/faqs/statements/how-often-do-i-receive-my-account-statements","category":"FAQsCategory"},"908c7577-4fc9-5b23-9ca4-87ab97b7eb23":{"page":"What do the cash available and cash limit fields mean on my statement?","description":"As a PC Financial Mastercard credit card customer, you may be able to use your card to take out a cash advance at bank machines that accept Mastercard, write convenience cheques, or complete a money transfer. The cash limit refers to the maximum that you’re able to withdraw for these purposes. The cash available refers to the cash limit, minus any cash you’ve already used.","url":"/learning-hub/faqs/statements/what-do-the-cash-available-and-cash-limit-fields-mean-on-my-statement","category":"FAQsCategory"},"2324448b-beeb-5ef1-84db-f7ec54930f74":{"page":"How do the subtotals on my statement work?","description":"We’ve grouped all transactions (with the exception of payment activities, which are listed separately), minus any returns, and calculated subtotals for each cardholder on your account. Now you can see exactly who spent what. These subtotals include any transactions made with a PayPass sticker or mobile wallet account that may be tied to your card. Payments are shown in a separate section of the statement.","url":"/learning-hub/faqs/statements/how-do-the-subtotals-on-my-statement-work","category":"FAQsCategory"},"bfadb365-f910-569a-b828-be8ae7637052":{"page":"What does the PC Optimum points number on my statement represent?","description":"This number represents the points you’ve earned with your PC Financial Mastercard during the given statement period. It doesn’t include any additional points you’ve earned through the PC Optimum program such as personalized offers.","url":"/learning-hub/faqs/statements/what-does-the-pc-optimum-points-number-on-my-statement-represent","category":"FAQsCategory"},"d47ecf96-6569-5e0b-8d73-86fc336d045e":{"page":"How do I sign up for electronic (or paper) statements?","description":"Enrolling in electronic statements is easy! Simply sign into your PC Financial online account and click View Your Statements on the Dashboard screen.","url":"/learning-hub/faqs/statements/how-do-i-sign-up-for-electronic-or-paper-statements","category":"FAQsCategory"},"c61314c3-1a62-530b-8c99-ddbfd7b93ca8":{"page":"Can I pay my bills with my President’s Choice Financial Mastercard?","description":"Yes. You can set up automatic bill payments from your PC Financial Mastercard so you'll never be late paying a bill. Plus, you'll earn PC Optimum points – to make your bill paying a lot more rewarding.\n\nTo set up payments for utilities, telephone, cable TV, internet, health clubs, insurance, and more simply contact the companies issuing your bills to arrange it.\n\nIf your card number or expiry date changes, be sure to contact all companies that you've set up automatic bill payments with to update your billing information.","url":"/learning-hub/faqs/pc-mastercard-101/can-i-pay-my-bills-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"a5361c54-3e36-58c6-b105-2ea582ef99e4":{"page":"What is the foreign currency conversion charge on my President’s Choice Financial Mastercard?","description":"When a transaction in a foreign currency is posted to your Account, you will be charged a Foreign Currency Conversion Markup which is a percentage of the amount of the transaction that is charged for purchases and cash advances and deducted from refunds and credits. The Foreign Currency Conversion Markup percentage is disclosed in your Disclosure Summary. The Mastercard exchange rate and Foreign Currency Conversion Markup percentage are incorporated into the conversion rate and the Canadian dollar transaction amount shown on your statement.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-foreign-currency-conversion-charge-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"6d85f176-3e01-5aac-ab6b-e972919dc4cb":{"page":"What is the interest-free grace period for the President’s Choice Financial Mastercard?","description":"A minimum of 21 days for new Purchases (meaning purchases which have not appeared on any previous statement) if you pay your entire current statement balance in full by the applicable due date, otherwise interest is charged from the transaction date. The interest-free grace period does not apply to Cash Advances (which include balance transfers and convenience cheques), and interest is charged from the transaction date.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-interest-free-grace-period-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"e6cf7b9f-ea7d-53b0-bad7-3f749836f393":{"page":"Will I be able to use my President’s Choice Financial card outside of Canada?","description":"Absolutely. Many countries have already successfully adopted chip technology, and Canadian chip cards will be fully compatible with these systems. In countries that have yet to switch to chip technology, you’ll be able to use your card by swiping your magnetic stripe and providing your signature.","url":"/learning-hub/faqs/pc-mastercard-101/will-i-be-able-to-use-my-presidents-choice-financial-card-outside-of-canada","category":"FAQsCategory"},"2477df49-dbbb-5b6e-9fdd-5a7191269b14":{"page":"How many additional cardholders can I add to my President's Choice Financial Mastercard?","description":"You can add up to four additional cardholders to your PC Financial Mastercard account. There’s no charge for these additional cardholders and they will all be considered authorized users.\n\nAs the primary cardholder, you will remain 100% responsible for all transactions made by all authorized users on your PC Financial Mastercard account, including any amounts incurred through the use of any additional cards issued on the account.\n\nYou are responsible to ensure your authorized users understand the cardholder agreement and the Loblaw Companies Limited Privacy Policy and how these documents apply to them, and that they use the card in accordance with the terms of the cardholder agreement.\n\nWe may give the authorized user certain information about the account, like the credit limit or information about a transaction. Additionally, any authorized users on your account may be able to view, obtain or be provided with information about your account, including transactions, balances, available credit, account status and payment details. Authorized users will be able to view monthly electronic statements and all of the transactions made by any cardholder on your account on an ongoing basis. You cannot limit, restrict or reduce the access or authority available to an Authorized User. Any Authorized User has the same degree of access to the Account as listed in this section, and each Authorized User will be able to access the activity of each Authorized User on the Account.\n\nAn Authorized User is able to access the full available credit limit of the credit card account and is able to charge purchases / cash advances to the credit card account. \n\nThe credit limit of the account is shared amongst the primary cardholder and authorized users, no separate credit limit will be given to authorized users. \n\nYou can add an authorized user to your account online.","url":"/learning-hub/faqs/pc-mastercard-101/how-many-additional-cardholders-can-i-add-to-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"b41fa833-a2b6-595c-bd6b-4a10a1ef6a0b":{"page":"Where can I use my President's Choice Financial Mastercard?","description":"The PC Financial Mastercard is accepted at millions of member locations worldwide. Whether you're shopping, on vacation or dining at your favourite restaurant your card is there for you. It’s also accepted at over a million bank machines worldwide, along with banks, currency exchange locations, stores, restaurants among other places. You can use it anywhere the Cirrus®, or Maestro® logos, or the Mastercard® symbol are displayed.","url":"/learning-hub/faqs/pc-mastercard-101/where-can-i-use-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"b035d498-04c1-53df-abca-570c7ebd3fb5":{"page":"What is Account Balance Protection – Involuntary Job Loss?","description":"This insurance can cover your minimum payments on your President's Choice Financial Mastercard account and help protect your credit rating in case of involuntary job loss. Covers your minimum monthly payments for up to 20 consecutive months in case of involuntary unemployment If your current month's statement balance is zero, so is your premium Your premium appears on your statement Try it risk free for 30 days - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged Only 79¢ (plus applicable taxes) per $100 of your current month's statement ending balance Important information about Account Balance Protection- Involuntary Job Loss, including limitations and exclusions\n\nAdditional Account Balance Protection Insurance plan options may be available. For complete information regarding Account Balance Protection options please call 1-866-246-7262 to speak with a representative.\n\n","url":"/learning-hub/faqs/pc-mastercard-101/what-is-account-balance-protection-involuntary-job-loss","category":"FAQsCategory"},"62f49148-ad49-52ad-9853-6131e611f721":{"page":"What is Account Balance Protection Standard?","description":"This optional insurance plan covers you in three different ways: If you were to become disabled or lose your job involuntarily before age 65 while enrolled in the plan, it pays 3% of your President’s Choice Financial Mastercard balance at the date of disability or job loss each month for up to 2 years starting after 30 days of disability or unemployment. If you were to be hospitalized for more than 7 consecutive days before age 70 while enrolled, it would make a one-time payment of 3% of the outstanding balance of your President’s Choice Financial Mastercard as of the date of hospitalization, up to $500. It would pay up to $15,000 to cover the outstanding balance on your President’s Choice Financial Mastercard as of the date of death or injury in the event of your loss of life or accidental dismemberment. This death and dismemberment benefit covers you and any authorized user who is your spouse. Try it risk free for 30 days - you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we'll refund any premiums charged Only 99¢ (plus applicable taxes) per $100 of your current month's statement ending balance Important information about Account Balance Protection - Standard, including limitations\n\nSign in and add to account","url":"/learning-hub/faqs/pc-mastercard-101/what-is-account-balance-protection-standard","category":"FAQsCategory"},"3923255a-8696-5398-ac11-aba7f6a3d165":{"page":"What is Spousal Account Balance Protection?","description":"This insurance can cover* your minimum payments on your President’s Choice Financial Mastercard in case the unexpected happens to you or your spouse, so you have one less thing to worry about. Covers 5% of your balance on the date of loss (more than the required minimum monthly payment) for up to 20 consecutive months in the event that you or your spouse becomes disabled or suffers involuntary job loss* up to age 65 In case of the death, accidental dismemberment or diagnosis of a critical illness (cancer, heart attack, or stroke)* of you or your spouse prior to age 75, pays off the full balance owing on the date of loss or date of diagnosis for critical illness, up to $15,000 Covers one monthly payment of 5% of your balance as of the first day of hospitalization (to a maximum of $500) if you or your spouse are hospitalized* for more than 2 consecutive days prior to age 75 Your premium appears on your statement If your current month’s statement balance is zero, so is your premium Try it risk free for 30 days – you can cancel anytime, and if you cancel within the first 30 days of your coverage becoming effective we’ll refund any premiums collected Only $1.19 (plus applicable taxes) per $100 of your current month’s statement balance Important information about Account Balance Protection – Spousal, including limitations and exclusions Call 1-866-246-7262 today to speak to a representative and add ABP Spousal to your account\n\n*Certain limitations and exclusions apply. Complete details, including the definition of covered conditions, are set out in the Certificate of Insurance that will be sent to you when you enroll.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-spousal-account-balance-protection","category":"FAQsCategory"},"20fd739b-cf61-5954-a127-9169769681f8":{"page":"How do I qualify for the President's Choice Financial World Elite Mastercard?","description":"$80,000 individual or $150,000 household income requirement\r Subject to credit approval ","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-world-elite-mastercard","category":"FAQsCategory"},"8af8f7cc-c995-5a52-91ca-4b5edef9c0b7":{"page":"How do I qualify for the President's Choice Financial World Mastercard?","description":"$60,000 Individual or $100,000 household income requirement\r Subject to credit approval ","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-world-mastercard","category":"FAQsCategory"},"87a9db6d-1480-5f2b-a8ef-ef8bad28aa9a":{"page":"How do I qualify for the President's Choice Financial Mastercard?","description":"Subject to credit approval","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"6b5b2410-067a-534f-86b2-174752d9a81a":{"page":"What is the difference between the three President's Choice Financial Mastercard options?","description":"View the differences on our product page","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-difference-between-the-three-presidents-choice-financial-mastercard-options","category":"FAQsCategory"},"be3eab90-f0cf-5a48-b06c-df5c24efd3da":{"page":"What are some additional details and benefits of the President's Choice Financial World Elite Mastercard?","description":"$80,000 Individu al or $150,000 Household Income Requirement\r Premium credit card with no annual fee\r 30 PC Optimum points for every $1 spent with the card at participating stores where the PC Optimum program is offered\r 45 PC Optimum points for every $1 spent on eligible purchases at Shoppers Drug Mart (includes the 15 points per dollar earned by all PC Optimum members)\r 30 PC Optimum points for every $1 spent at pctravel.ca\r Earn at least 3 cents per litre in PC Optimum points\r 10 PC Optimum points for every $1 spent everywhere else\r 24/7 Concierge Service\r Car Rental Collision/Loss Damage Waiver Insurance\r Travel Emergency Medical Insurance\r Identity Theft Assistant Service ","url":"/learning-hub/faqs/pc-mastercard-101/what-are-some-additional-details-and-benefits-of-the-presidents-choice-financial-world-elite-mastercard","category":"FAQsCategory"},"ac28fc10-0842-5028-93f4-6d57ee93d611":{"page":"Who can I contact for technical support?","description":"If you have technical problems, please contact us by visiting the Messaging Centre at pcfinancial.ca or by calling us at 1 866 246 7262 and a Customer Service Representative agent will be pleased to assist you.","url":"/learning-hub/faqs/get-support/who-can-i-contact-for-technical-support","category":"FAQsCategory"},"95031c8c-7e85-56cb-b524-372da30a30d6":{"page":"Where do I find the Support centre?","description":"You can find the Support centre through your PC Financial online account. On the web: Navigate to your profile menu by selecting your profile picture (or the placeholder image if you haven't uploaded a profile picture yet) in the top right corner of the screen. Select “Support”. On the mobile app: Navigate to your profile menu by tapping the “more” button (last button in the bottom row with 4 dots). Select “Support”.","url":"/learning-hub/faqs/get-support/where-do-i-find-the-support-centre","category":"FAQsCategory"},"94bd9711-3653-5a81-b068-5c8756ed968b":{"page":"Is my account information secure when I’m using the app?","description":"Just like when you sign into pcfinancial.ca through a browser, you must provide your username and password to login to the PC Financial Mobile App. For an extra layer of security, you may also be prompted to answer a Multi-Factor Authentication question from time to time.","url":"/learning-hub/faqs/get-support/is-my-account-information-secure-when-im-using-the-app","category":"FAQsCategory"},"18efdec7-2789-53ca-96e2-70349049ccde":{"page":"Do I have to worry about phishing?","description":"Phishing emails and texts are fake messages that try to get you to reveal personal information such as your banking information. Take these steps to avoid phishing: If you don’t know who sent you a message, delete it, and do not click any links within the message Never send any confidential information to anyone through email or text messages. PC Financial will never send you emails or text messages asking you to confirm your password(s), card numbers, account details or other confidential information.","url":"/learning-hub/faqs/get-support/do-i-have-to-worry-about-phishing","category":"FAQsCategory"},"9ab7b5c7-5b88-5753-b885-a4d7c9bf4a85":{"page":"Can Mastercard® SecureCode™ be used on any computer?","description":"Yes. That's one of the benefits of Mastercard® SecureCodeTM. You can make purchases using any computer because there is no special software to install.","url":"/learning-hub/faqs/get-support/can-mastercard-securecode-be-used-on-any-computer","category":"FAQsCategory"},"fce37b2c-2e6b-5da2-a4ff-540c6b3c032c":{"page":"What information is stored on my smartphone?","description":"With the PC Financial Mobile App, no confidential information is ever stored on your smartphone. Note: Do not use notes apps or the address book on your smartphone to store your PC Financial account username and password.","url":"/learning-hub/faqs/get-support/what-information-is-stored-on-my-smartphone","category":"FAQsCategory"},"f3cf365f-ab12-589e-a0f0-485bb2e3fe8c":{"page":"Which PC Financial credit cards are available in Apple Pay?","description":"The PC Financial Mastercard, PC Financial World Mastercard and PC Financial World Elite Mastercard are all currently available in Apple Pay.\r","url":"/learning-hub/faqs/mobile-wallet/which-pc-financial-credit-cards-are-available-in-apple-pay","category":"FAQsCategory"},"d4495b38-418b-577e-967e-4119ad9c8b3d":{"page":"What happens if your Apple device is lost or stolen?","description":"If an iPhone is ever lost or stolen, you can use Find My iPhone to quickly put their device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. You can also stop the ability to make payments from credit cards on your iPhone or Apple Watch with iCloud. Just sign in to iCloud.com and click Settings. If you have been using your PC Financial Mastercard in Apple Pay, you must also report it lost or stolen to President’s Choice Financial Mastercard at 1 866 246 PCMC (7262).","url":"/learning-hub/faqs/get-support/what-happens-if-your-apple-device-is-lost-or-stolen","category":"FAQsCategory"},"33b59354-d869-5704-8c34-28f595c89697":{"page":"How do I add my digital card to Apple Pay or Google Pay service?","description":"Quickly and easily add your PC Money™ Account digital card to your mobile wallet in the PC Financial app. Steps Log in to your PC Financial mobile app Tap the Cards icon on your navigation bar Choose the Cards tab at the top right and select the card you want to add to your mobile wallet After you select a card, choose “Add to Apple Wallet” or “Add to Google Wallet” as appropriate You will be redirected to the wallet application on your phone. Follow the prompts to add your card ","url":"/learning-hub/faqs/mobile-wallet/how-do-i-add-my-digital-card-to-apple-pay-or-google-pay-service","category":"FAQsCategory"},"463903b8-4d4a-5334-9d05-baadfbbebcf3":{"page":"Will I continue to earn PC Optimum points when I use Apple Pay?","description":"You will continue to earn PC Optimum points for every $1 spent on your PC Financial Mastercard. However, at this time, in order to keep earning PC Optimum points from personalized digital offers and on-shelf offers at Loblaw stores you must tap or scan a separate valid PC Optimum device (i.e. your PC Optimum card, key-fob, app, barcode within Apple Pay or plastic PC Financial Mastercard) PRIOR to paying with Apple Pay. Therefore, you will need to scan or tap twice during the transaction; first to capture your PC Optimum membership with a valid PC Optimum device and second with your Apple Pay to capture your payment information.","url":"/learning-hub/faqs/mobile-wallet/will-i-continue-to-earn-pc-optimum-points-when-i-use-apple-pay","category":"FAQsCategory"},"44481495-0402-5eb2-9d84-b47dff10113c":{"page":"What are the payment limits for Apple Pay?","description":"The PC Financial Mastercard allows purchases up to $200 via tap-enabled technology within our Loblaw locations. If the purchase amount is higher you will be prompted to use your physical plastic card.","url":"/learning-hub/faqs/mobile-wallet/what-are-the-payment-limits-for-apple-pay","category":"FAQsCategory"},"4a0113ca-762f-5af6-a049-9d13a3d75d7a":{"page":"How does Apple Pay work?","description":"With Apple Pay, instead of using your actual credit card number when you add your card, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element, a dedicated chip in iPhone and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment. So your actual credit card number is never shared by Apple with merchants or transmitted with payment.","url":"/learning-hub/faqs/mobile-wallet/how-does-apple-pay-work","category":"FAQsCategory"},"d3c112c7-8132-58d4-8705-f7bede03296d":{"page":"What Apple devices support Apple Pay?","description":"Apple Pay works with iPhone 6 and later and Apple Watch in stores, and iPhone 6 and later, iPad Pro, iPad Air 2, and iPad mini 3 and later within apps. For a list of compatible Apple Pay devices, see https://support.apple.com/en-ca/HT208531.","url":"/learning-hub/faqs/mobile-wallet/what-apple-devices-support-apple-pay","category":"FAQsCategory"},"91aa1861-c1db-54c4-9110-00a9b56da3b3":{"page":"Is Apple Pay secure?","description":"Yes. A dedicated chip in the device stores a unique, encrypted Device Account Number for each card number. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process the payment. So payments are secure because you are not handling the actual credit card numbers in your system when customers pay with Apple Pay.","url":"/learning-hub/faqs/mobile-wallet/is-apple-pay-secure","category":"FAQsCategory"},"d59dc576-d205-5be4-ab2c-ea63b7cb148d":{"page":"What happens if a customer loses their Android device?","description":"If a customer’s phone is lost or stolen, they can find, lock, or erase it using Android Device Manager. If they lock their device, Google Pay can't be used. If their device can't be contacted, their payment information might be removed so no one can access it. If they find their device, they can unlock it and add their payment information again to use Google Pay.","url":"/learning-hub/faqs/get-support/what-happens-if-a-customer-loses-their-android-device","category":"FAQsCategory"},"4a9bf084-0a10-56f2-8432-22076cab10d5":{"page":"What happens if there is an issue with my POS & Google Pay?","description":"Please follow the current process to engage your front end supervisor, who would call the NSC to report","url":"/learning-hub/faqs/mobile-wallet/what-happens-if-there-is-an-issue-with-my-pos-and-google-pay","category":"FAQsCategory"},"b29689f2-649d-5e8d-8752-1788de5a60b7":{"page":"Where can a customer use Google Pay?","description":"Tap and pay wherever contactless payments are accepted.","url":"/learning-hub/faqs/mobile-wallet/where-can-a-customer-use-google-pay","category":"FAQsCategory"},"2a107d9f-6032-50b0-a126-d43d48bec956":{"page":"How does a customer use Google Pay when paying in-store?","description":"Simply wake up the phone. No need to open the app. Hold the back of the device near the contactless payment terminal. The phone will beep or vibrate to show the payment was made. In some cases, the customer may be required to unlock the phone and tap again to complete the transaction. ","url":"/learning-hub/faqs/mobile-wallet/how-does-a-customer-use-google-pay-when-paying-in-store","category":"FAQsCategory"},"166c05fb-6cb5-51ea-8dc6-93c42b210b6d":{"page":"How do customers add their PC Optimum card into Google Pay?","description":"From Google Pay's homepage, click on the plus floating action button located at the bottom right side of your screen and select the Add a loyalty program option. Search for PC Optimum. Select PC Optimum and enter your card manually. Save the information and the card will be added to your list of cards currently saved in your Google Pay account.\n ","url":"/learning-hub/faqs/mobile-wallet/how-do-customers-add-their-pc-optimum-card-into-google-pay","category":"FAQsCategory"},"8cffcb76-7806-52be-8462-ffc63aa0112c":{"page":"What are the payment limits for Google Pay?","description":"The PC Financial Mastercard allows purchases up to $200 via tap-enabled technology within our Loblaw locations. If the purchase amount is higher the customer will be prompted to use their physical plastic card. All other cards within Google Pay will have a $100 payment limit in our stores.","url":"/learning-hub/faqs/mobile-wallet/what-are-the-payment-limits-for-google-pay","category":"FAQsCategory"},"aba91b7a-f985-59c6-938f-670369e88ae8":{"page":"What Android devices support Google Pay?","description":"Google Pay is currently available for all Android devices running 4.4 (KitKat) or higher.","url":"/learning-hub/faqs/mobile-wallet/what-android-devices-support-google-pay","category":"FAQsCategory"},"cfa35e12-c6bc-5893-a04d-c12e3d8e41e8":{"page":"Is Google Pay secure?","description":"Yes. Google Pay is secure.","url":"/learning-hub/faqs/mobile-wallet/is-google-pay-secure","category":"FAQsCategory"},"cd9852c6-7e00-5a9f-afaf-15a22c340081":{"page":"How do I manage the email, text, and in-app notifications I get from PC Financial?","description":"You can set your notification preferences through your PC Financial account.\n\nOn the web\nNavigate to your profile settings by selecting your profile picture (or the placeholder image if you haven’t uploaded a profile picture) in the top right corner of the screen. Select “Notification preferences\".\n\nOn the mobile app\nNavigate to your profile settings by tapping the “more” button (last button in the bottom row with 4 dots). Select \"Notification preferences\".\n\nIf you don't want to receive any push notifications from the PC Financial app, go to your app settings on your device to turn off push notifications for the PC Financial app.","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-manage-the-email-text-and-in-app-notifications-i-get-from-pc-financial","category":"FAQsCategory"},"df9de587-b7db-5506-9d31-a975f65689b2":{"page":"How do I customize my notifications and alerts?","description":"We offer a number of notification options to help manage your account, from purchase notices you set, to monthly payment due notices. Notifications can be setup to be sent via email, text and/or push notifications. You are in control and change your alert settings at any time.\r Alerts have now been streamlined from five individual alerts to two categories: Balance & Spending and Account Updates.\r Balance & Spending Alerts:\r A purchase made that exceeds a set limit amount\r Balance amount has exceeded a set limit\r Account Updates Alerts:\r Payment due date\r Payment was made on your account\r You missed a payment\r Important note: Once the new updates happen, if you have previously opted into any of the above listed alerts you will now receive all alerts within the category that your existing alerts fall into.","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-customize-my-notifications-and-alerts","category":"FAQsCategory"},"a09d3e67-8243-5614-a377-8cf8bdf39698":{"page":"How do I set a travel notice?","description":"You can set a travel notice by signing into your PC Financial mobile app, or online account, or by signing in to your PC Optimum online account.\n\nSteps (Desktop): Sign into your online account Click on your profile photo (in the top right corner) Click \"My Profile\" Click \"Set travel notice\" Follow the on-screen prompts to set your travel notice Steps (Mobile App): Sign into your mobile app Click on the More Menu icon on the bottom right of the navigation bar Click \"My Profile\" Click \"Set travel notice\" Follow the on-screen prompts to set your travel notice ","url":"/learning-hub/faqs/manage-accounts/how-do-i-set-a-travel-notice","category":"FAQsCategory"},"70807073-cc69-5b33-8cda-2bdf6e7083a4":{"page":"Can I use the PC Financial Mobile App when I am travelling and roam to different carriers?","description":"Yes. Please check with your wireless carrier before you travel to make sure you understand what additional charges or roaming fees apply to your service plan.","url":"/learning-hub/faqs/manage-accounts/can-i-use-the-pc-financial-mobile-app-when-i-am-travelling-and-roam-to-different-carriers","category":"FAQsCategory"},"611cf3a1-a2ed-52e0-949d-102126aacfe4":{"page":"How can I check my PC Optimum points balance?","description":"You can check your PC Optimum points balance by signing into PC Financial online account or by signing in to your PC Optimum online account. Steps (Destop/Mobile) Sign into your online account Scroll or swipe to your PC Optimum points tile Click or tap on the tile to view more details on the transactions ","url":"/learning-hub/faqs/pc-optimum/how-can-i-check-my-pc-optimum-points-balance","category":"FAQsCategory"},"6848698e-ac2e-56f3-aef2-b4cbfc26e53f":{"page":"What Account Management options do I have through the digital experience?","description":"Here are some of the things you can do through Account Management: Nickname your account View e-statements Add authorized users to your credit card Set up automatic payments to your credit card View or change the credit limit on your credit card Order cheques You can access these options by navigating to \"Accounts & Cards\" and toggling to \"Accounts\". If you don’t see an option listed above, it may not be available for your account type.","url":"/learning-hub/faqs/manage-accounts/what-account-management-options-do-i-have-through-the-digital-experience","category":"FAQsCategory"},"f1ca4c7c-5feb-5c13-8bb1-1462bbf46760":{"page":"What Card Management options do I have through the digital experience?","description":"You can do the following through Card Management: Activate your card Temporarily lock your card Unlock a previously locked card Report a card as lost or damaged Change your PIN You can access these options by navigating to \"Accounts & Cards\" and toggling to \"Cards\". If you don’t see an option listed above, it may not be available for your account type.","url":"/learning-hub/faqs/manage-accounts/what-card-management-options-do-i-have-through-the-digital-experience","category":"FAQsCategory"},"910c228b-65e6-5a3b-afa0-9f661436e81b":{"page":"How do I manage my President’s Choice Financial Mastercard account online?","description":"It’s simple. Simply sign up for an online account at pcfinancial.ca and you’ll have easy access to all your account information, services and support. ","url":"/learning-hub/faqs/manage-accounts/how-do-i-manage-my-presidents-choice-financial-mastercard-account-online","category":"FAQsCategory"},"577022fa-411b-5ddb-9fc9-56ede8cef4e8":{"page":"What can I do in the PC Financial Mobile App?","description":"Our PC Financial Mobile app was rated as the breakthrough app on both iOS and Android stores. The PC Financial is designed to help you manage all your account activity, track your rewards, and get support, all at your fingertips. Helpful account management features Activate your card online and Setup/change your card PIN View your account balances, check available credit and request for an increase Monitor/search your transactions and immediately dispute individual transactions View/Switch to convenient eStatements Update your personal information Add an authorized user Request a balance transfer Love PC Optimum? View your points balance Monitor how many points you have earned per transaction View your points' redeemable value Security features Dispute transactions within the app Lock your card if misplaced Report your card stolen Biometric Authentication ","url":"/learning-hub/faqs/manage-accounts/what-can-i-do-in-the-pc-financial-mobile-app","category":"FAQsCategory"},"f93864ff-4605-55d6-995b-82625cadfefd":{"page":"What if I cannot verify the One-Time Passcode (OTP), or I enter the One-Time Passcode (OTP) incorrectly?","description":"If you cannot verify the One-Time Passcode (OTP), or enter the OTP incorrectly, you will not be able to proceed with the transaction. You will need to contact PC Financial Mastercard at 1-866-246-7262 to further assist you with the information needed to make the online transaction.","url":"/learning-hub/faqs/login-help/what-if-i-cannot-verify-the-one-time-passcode-or-i-enter-the-one-time-passcode-incorrectly","category":"FAQsCategory"},"6d3ee027-caed-5d18-9d77-89bd38810f6e":{"page":"I can’t access my online account anymore. What do I do to get access to my online account?","description":"If you are having trouble logging in, it may be because you are using an incorrect user name or password. Before you re-enter your credentials, please remember: User names and passwords are case-sensitive Answers to your selected security questions have to be an exact match If you enter your credentials too many times without gaining access, the system will automatically lock your account If you find your account to be locked, please follow the below steps to troubleshoot.\n\nBefore You Begin Make sure your PC Financial Mastercard is on hand Log in to the email registered with the account for verification purposes Steps to Unlock your Online Banking (Desktop/Mobile) If you are seeing an account locked message, please try resetting your password If you are seeing an account blocked message due to too many incorrect One-time Password entries (OTP), you will need to call us at 1-866-246-7262. One of our agents will be able to assist you Once enrolled, you will be automatically logged in and asked to validate your email Please make sure you validate the email link in your inbox before clicking/tapping on \"Continue\" as you will not be able to log in otherwise ","url":"/learning-hub/faqs/login-help/i-cant-access-my-online-account-anymore.-what-do-i-do-to-get-access-to-my-online-account","category":"FAQsCategory"},"966ca5bf-0f62-5ae8-b637-671e72089533":{"page":"I’m having issues with enrolling my online account, what do I do?","description":"In order to access online banking, you will need to enroll by creating a username and password. Setting up your PC Financial account is quick & simple, and will help you manage all your accounts, track your rewards, and get support. Before You Begin Make sure your PC Financial Mastercard® is on hand Make sure you have access to the email registered to your account for verification purposes Steps (Desktop/Mobile) Visit the Online Enrollment page and register for online banking If you are having issues with the personal questions asked to verify your account, please remember that they will match your latest profile information If you are having issues with setting a password, please make sure to follow the password requirements stated below the password field and ensure all three indicators have a checkmark Once enrolled, you will be automatically logged in and asked to validate your email. Please make sure you validate the email link in your inbox before clicking/tapping on \"Continue\" as you will not be able to log in otherwise ","url":"/learning-hub/faqs/login-help/im-having-issues-with-enrolling-my-online-account-what-do-i-do","category":"FAQsCategory"},"9d10e91b-c1c3-5045-8905-a9b8985aa497":{"page":"How do I change languages in the PC Financial Mobile App?","description":"Before You Begin\n\nThe PC Financial Mobile App offers you the convenience of selecting your preferred language of English or French. It will default to the language set on your device. If the language set on your device is in a language other than English or French, the app will launch in English.\n\nSteps\n1. Access Language Settings on your mobile phone.\n2. Select your preferred Device Language of either English or French.\n3. Launch your PC Financial Mobile app to experience it in your preferred language.","url":"/learning-hub/faqs/getting-started/how-do-i-change-languages-in-the-pc-financial-mobile-app","category":"FAQsCategory"},"f63caa52-ceba-5a4e-9cda-933f03e77b53":{"page":"How do I start using the PC Financial Mobile App?","description":"To get started, download the PC Financial Mobile App to your mobile device or tablet from the Apple App Store or Google Play. Once you’ve installed the app, simply sign in with your existing PC Financial username and password or register your account by selecting “Sign up.” For devices that don’t support the PC Financial Mobile App, you can access your account online through your browser by visiting secure.pcfinancial.ca. ","url":"/learning-hub/faqs/getting-started/how-do-i-start-using-the-pc-financial-mobile-app","category":"FAQsCategory"},"738a3e7c-4248-5c77-942e-56237e9eccbe":{"page":"How do I enable Touch ID, Face ID or Biometric Authentication for the PC Financial app?","description":"Biometric Authentication is a form of security that measures and matches biometric features of a user like Face or Touch ID on iOS or Fingerprint Scanner on Android to verify that the person trying to access a particular device is authorized to do so. We are happy to offer this convenience on both iOS and Android devices.\n\nSteps to enable biometric authentication on iOS: Login to the PC Financial Mobile App. Click on the \"More\" menu by tapping the four dots on the bottom of your screen. Look for “Touch ID\" or \"Face ID” in the menu. Toggle the switch to the “On” position (slide right) and follow the steps on-screen to turn on fingerprint ID or facial recognition (Face or Touch ID). Steps to enable biometric authentication on Android: Login to your PC Financial Android app. Click on the \"More\" menu by tapping the four dots on the bottom of your screen. Tap on “My Profile” and look for “Enable biometric authentication”. Toggle the switch to the “On” position (slide right) and follow the steps on-screen to turn on Fingerprint. ","url":"/learning-hub/faqs/getting-started/how-do-i-enable-touch-id-face-id-or-biometric-authentication-for-the-pc-financial-app","category":"FAQsCategory"},"1724befb-afa0-502e-ac79-cf44add3c40f":{"page":"How do I set up my touch ID on my Apple device?","description":"To set up Touch ID on a compatible Apple device: Tap Settings > Touch ID & Passcode, then enter your passcode. Tap \"Add a Fingerprint\". Follow the instructions on-screen to set up Touch ID. Each time you open the app, to ensure only you have secure access to your account place your finger on the finger print to access your account. \n\nIf you do not set up your touch ID, you will be asked to enter username and password credentials each time when you open the mobile app.","url":"/learning-hub/faqs/getting-started/how-do-i-set-up-my-touch-id-on-my-apple-device","category":"FAQsCategory"},"755ac6e8-dc69-50c8-aff3-5c3f325e2c23":{"page":"I’ve received a PC Financial notification about my account to my email address. Is this a legitimate email?","description":"If you’ve received an email from the email address Info@emails.pcbank.ca , yes, this is a legitimate email sent from PC Financial. Periodically, PC Financial will need to email you important notices about your account or card. Please ensure that your email address on file is always up to date. \n\nUpdate your email address\n\nEmail Fraud\nSome President's Choice Financial® services customers have recently received a fraudulent e-mail, also known as phishing or brand spoofing.\n\nFraudulent e-mails generally ask customers to select a link, leading them to a fraudulent web site that looks like a legitimate financial institution's web site — even duplicating logos and text. Customers are asked to enter personal banking information, which the fraudsters can use to withdraw money, make purchases or open new accounts and credit card accounts in the customer's name. Fraudulent e-mail messages may imply a sense of urgency or immediate risk to bank accounts or credit cards if you fail to answer. Special offers and prizes may also be promoted as incentives.\n\nWhat to do if you receive this type of e-mail and have not yet responded to it Do not respond to the e-mail — some phishing sites distribute malicious software; do not click on the links provided in the e-mail — visiting these sites could place your computer at risk Email: pcmcfraudops@pcbank.ca so we can investigate — describe the fraudulent incident, making sure to attach or include any fraudulent e-mails you received and any anti-virus/anti-spyware scan logs (if applicable) Permanently delete the e-mail from both your inbox and your deleted items / trash folders If you have any questions, contact President's Choice Financial services directly at 1-877-939-3933. ","url":"/learning-hub/faqs/pc-emails/ive-received-a-pc-financial-notification-about-my-account-to-my-email-address-is-this-a-legitimate-email","category":"FAQsCategory"},"231bb9da-9bac-5c1c-9403-40d736192423":{"page":"What is PC Travel?","description":"PC Travel is a travel site exclusive to President’s Choice Financial Mastercard holders. Use your card to earn up to 3x the points on your travel purchases. Visit pctravel.ca for details.","url":"/learning-hub/faqs/pc-travel/what-is-pc-travel","category":"FAQsCategory"},"0feef35b-36ad-556c-a9a7-318933e3629a":{"page":"Can I donate my PC Optimum points to charity?","description":"Yes. On PC Optimum or the PC Optimum app, go to your points section and select Donate Points to learn about donating your points to charity.\n\nYou will not receive a tax receipt when you donate your PC Optimum points towards the President's Choice Children's Charity. Tax receipts will only be issued when you make a cash donation to the charity.","url":"/learning-hub/faqs/social-responsibility/can-i-donate-my-pc-optimum-points-to-charity","category":"FAQsCategory"},"9dec3b3a-ae4c-5e45-8498-a93bcd8bcd8d":{"page":"How can I find out more about the President's Choice Children's Charity?","description":"Visit the President's Choice Children's Charity webpage to find out more. \n\nOr simply call (905) 459 2500, toll free 1 (877) 525-4762 or send an e-mail to pccharity@loblaw.ca for more information.","url":"/learning-hub/faqs/social-responsibility/how-can-i-find-out-more-about-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"248cc043-6573-5daa-9584-9eeb36cceb8a":{"page":"How can I donate to the President's Choice Children's Charity?","description":"You can send a monetary donation to:\nPresident's Choice Children's Charity\n1 President's Choice Circle\nBrampton, ON L6Y 5S5\n\nOr you can donate online at pc.ca/charity","url":"/learning-hub/faqs/social-responsibility/how-can-i-donate-to-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"0977deff-6b92-574d-9500-01dfdba348d6":{"page":"What is the President's Choice Children's Charity?","description":"President’s Choice Children’s Charity (PCCC) is committed to helping kids across Canada live to their full potential. Our focus is twofold; we support children with disabilities and fight childhood hunger through our support of nutrition programs.\n\nThe Charity believes nutrition is fundamental to children’s health and helps provide the resources necessary to fuel a better learning environment. Our fight against childhood hunger is accomplished by being the National Premier Sponsor of Breakfast for Learning and through the PCCC Basic Needs Brighter Future Program in partnership with Boys & Girls Clubs of Canada.\n\nWe support children with disabilities by providing financial grants for essential specialized equipment and essential therapists. Through individual grants, the Charity is able to supply much needed resources and help provide a renewed sense of independence, dignity and freedom.","url":"/learning-hub/faqs/social-responsibility/what-is-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"b580df0f-94ff-5b5a-80a6-d43573478df0":{"page":"Do PC Optimum points expire?","description":"No. Your points do not expire. However, your account can be closed, if you do not earn or spend any PC Optimum points at least once every 2 years or if you don’t have an open PC Financial payment product registered to your account. For more details, please see the PC Optimum program Terms and Conditions.","url":"/learning-hub/faqs/pc-optimum/do-pc-optimum-points-expire","category":"FAQsCategory"},"4055fb72-4541-51df-bb04-26bfffc4acbb":{"page":"What do I do if I can’t sign into my PC Optimum account?","description":"There are a couple of reasons why you might not be able to sign in, including the following: your account is locked, your PC Optimum card number is incorrect, your password is incorrect or your account has not been registered. \n\nCheck to make sure you are entering the correct PC Optimum card number and password. If you’ve forgotten your password, we can reset it for you. Simply click the Forgot Password link during the sign-in process.\n\nFor any of the other problems, please contact PC Optimum Member Care for assistance or call 1 866-727-6468 for help.","url":"/learning-hub/faqs/pc-optimum/what-do-i-do-if-i-cant-sign-into-my-pc-optimum-account","category":"FAQsCategory"},"e8001ce1-fcdf-519e-838c-2834fc592768":{"page":"I’m having technical issues with my PC Optimum account?","description":"Please contact PC Optimum Member Care for assistance or call 1 866 727 6468 for help.","url":"/learning-hub/faqs/pc-optimum/im-having-technical-issues-with-my-pc-optimum-account","category":"FAQsCategory"},"8e76a3c9-ec6a-56af-9307-866362a50179":{"page":"Why am I having trouble spending my points in-store?","description":"If you are an Authorized User of a PC Financial Mastercard, you will not see or have access to your primary cardholder’s points balance unless the primary cardholder chooses to add you to their Household. Please speak to the primary cardholder of your account. Learn more about how to pool points and what creating a household is all about here. If you still have trouble spending your points and you have already accepted the Terms and Conditions, please call 1 866 727 6468 for assistance. ","url":"/learning-hub/faqs/pc-optimum/why-am-i-having-trouble-spending-my-points-in-store","category":"FAQsCategory"},"8f19ffca-da5a-5443-a313-91d49fc1030c":{"page":"Do I need a PC Optimum card?","description":"If you have a PC Financial Mastercard, your card automatically acts as your PC Optimum card and is the only card you need to earn and redeem points at participating stores. Simply create an online account at PC Optimum to enjoy all the benefits of the program.","url":"/learning-hub/faqs/pc-optimum/do-i-need-a-pc-optimum-card","category":"FAQsCategory"},"9f35521d-70b8-5893-948b-238f61278f33":{"page":"Where can I get a PC Optimum card?","description":"If you have a PC Financial Mastercard, your card automatically acts as your PC Optimum card and is the only card you need to earn and redeem points at participating stores. Simply create an online account at PC Optimum to enjoy all the benefits of the program.","url":"/learning-hub/faqs/pc-optimum/where-can-i-get-a-pc-optimum-card","category":"FAQsCategory"},"47115587-8185-5ca1-80cd-e0ba9fdaa449":{"page":"How do I redeem my PC Optimum points?","description":"As soon as you have 10,000 PC Optimum points, you can redeem for up to $10 worth of free stuff at any participating store or online at Beautyboutique.ca, JoeFresh.ca and PC Express websites. Every 10,000 points is like $10 in free stuff \n\nYou can save your points for up to a maximum of $500 off on any one purchase. So whether it’s groceries, cosmetics or household products, you have lots of options for spending your points.","url":"/learning-hub/faqs/pc-optimum/how-do-i-redeem-my-pc-optimum-points","category":"FAQsCategory"},"e8c19eef-ed8a-52fa-96bc-0e3108ad78e8":{"page":"What are my PC Optimum points worth?","description":"PC Optimum points can be redeemed for rewards at participating store. Once you accumulate 10,000 points, you can spend your points for $10 worth of free stuff. \r\r\rPC Optimum points\rReward Value*\r\r\r\r10,000\r $10\r\r\r50,000\r$50\r\r\r100,000$100\r\r\r \n*PC Optimum points have no cash value and are not exchangeable for cash. Points can only be redeemed in increments of 10,000. For example, if you have 37,000 points, you can spend them for $30 off your purchase, and you’ll have a remaining points balance of 7,000 points. \n\nWhen you scan your PC Optimum card at checkout, simply let the cashier know that you would like to spend your points.","url":"/learning-hub/faqs/pc-optimum/what-are-my-pc-optimum-points-worth","category":"FAQsCategory"},"9daedba7-9312-52bb-b270-ddc0ef805fc7":{"page":"How do I earn PC Optimum points with my President’s Choice Financial Mastercard?","description":"Click here to learn how to earn PC Optimum points.","url":"/learning-hub/faqs/pc-optimum/how-do-i-earn-pc-optimum-points-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"e9e6eefb-9556-5942-973b-c28b353e42c5":{"page":"What is the PC Optimum program?","description":"The PC Optimum program is a loyalty program that lets you earn points on items you buy at participating stores; gives you access to bonus points events ; and, when you download the app or create an online account, also gives you offers tailored just for you. \n\nWith the PC Financial Mastercard you’ll earn PC Optimum points for purchases made on the card everywhere you shop. But, when you create a PC Optimum online account at PC Optimum you’ll receive even more benefits.\n\nHere is a little more detail: On top of the points you earn with your PC Financial Mastercard, get even more points in store, online, at points events, and through personalized offers when you create an online account at PC Optimum. Exclusively at participating Shoppers Drug Mart and Pharmaprix stores (in Quebec), you’ll earn an incremental 15 PC Optimum points for every dollar spent on eligible products, and online at BeautyBoutique.ca. You can earn and redeem PC Optimum points at 4,500+ participating stores, including stores like Loblaws, Real Canadian Superstore, No Frills, Joe Fresh and Shoppers Drug Mart. Also, you can earn and redeem PC Optimum points when you make purchases online at JoeFresh.ca, order groceries through PC Express, and buy beauty and skincare products at BeautyBoutique.ca. Visit our store locator to see all participating locations in your area. Every 10,000 PC Optimum points is like $10 worth of free stuff. ","url":"/learning-hub/faqs/pc-optimum/what-is-the-pc-optimum-program","category":"FAQsCategory"},"28c93363-d573-5284-ae14-360a0ba79209":{"page":"How do I open a PC Money™ Account?","description":"Applying for a PC Money™ Account is quick and easy. All you need to do is complete this application. What you need to know to get started Resident of Canada: The PC Money™ Account is only available to residents of Canada Age of majority: You'll need to be the age of majority in your province or territory in order to apply Have your SIN ready (optional): Providing your Social Insurance Number can help speed up the process, but it's not required You’ll also require information about your occupation or employment status ","url":"/learning-hub/faqs/pc-money-account/how-do-i-open-a-pc-money-account","category":"FAQsCategory"},"7d4beb04-7190-562a-81b8-b66f3d0bc275":{"page":"How does the PC Money™ Account differ from a conventional debit account?","description":"The PC Money™ Account is an online self-service money management account. This means you can pay bills (including pre-authorized withdrawals for things like gym memberships and utility bills), and transfer funds between banks. You earn PC Optimum points every time you use your card to make a purchase online or in-store. You can use your card everywhere Mastercard® is accepted, including online and when travelling abroad. However, you can’t write or deposit cheques, or use your card with merchants that don’t accept Mastercard® payments.","url":"/learning-hub/faqs/pc-money-account/how-does-the-pc-money-account-differ-from-a-conventional-debit-account","category":"FAQsCategory"},"f0143c36-4bed-53a6-a8cc-c4855677a55a":{"page":"Important information regarding your PC Financial® Prepaid Mastercard®","description":"The PC Financial® Prepaid Mastercard® program has been discontinued. As of October 3, 2016 it can no longer be used for payment. To request a refund for any remaining balance please call 1-866-279-5603.","url":"/learning-hub/faqs/prepaid-mastercard/important-information-regarding-your-pc-financial-prepaid-mastercard","category":"FAQsCategory"},"096d517c-9c6a-57d4-a370-609fa02c147d":{"page":"How do I pay my PC Financial Mastercard account?","description":"There are three ways to pay your PC Financial Mastercard: Online, telephone, bank machine: Electronic payments are your quickest and most convenient option. Online, telephone and bank machine payments at most major financial institutions are credited the same day provided you make your payment by 5pm CST (Central Time) on a banking day. These payments are reflected on your online summary 2-3 days afterwards. Mail in: Address your envelope, to: PC Financial Mastercard, P.O. Box 4405, STN A, Toronto, ON M5W 5Y6. Be sure to include the top portion of your statement along with your cheque or money order payable to \"PC Financial Mastercard\". It can take 7 to 10 business days for PC Financial Mastercard to receive payments through Canada Post. Payments are posted to your account the day PC Financial Mastercard receives the payment, so make sure you've allowed enough time for your payment to arrive. In-branch: If you bank at one of the following institutions, you can make payments at your local branch (or bank machine, if applicable). Cardholders may pay in-branch, over the counter, at the following financial institutions; however, these financial institutions may charge a fee for the service. The service provided is at the discretion of the financial institution and may take up to 10 business days to reach PC Financial Mastercard. Payments are posted to the cardholder's account the day PC Financial Mastercard receives notice of the payment. ATB Financial Bank of Montreal1 Canadian Imperial Bank of Commerce1 Desjardins HSBC Laurentian Bank1 National Bank1 RBC Financial Group Scotiabank TD Canada Trust Most credit unions 1Even if you're not a customer of this Mastercard issuing institution, you can still make in-branch payments.","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-pay-my-pc-financial-mastercard-account","category":"FAQsCategory"},"1989150b-6067-5c70-bbfb-a68f367e3a8a":{"page":"How do I apply for Account Balance protection?","description":"There are a few ways you can apply for Account Balance Protection insurance: \n\nDuring your credit card application online\nYou can sign up for this service when you apply for your card.\n\nThrough your PC Financial online account\nIf you’d like to add this insurance to an existing credit card and have an online account, you can apply for Account Balance Protection insurance by clicking or tapping on “Accounts & Cards” and navigating to the card you want to set this up for. Make sure you're toggled to “account” and look for the “Account Balance Protection” button to apply online. ","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-apply-for-account-balance-protection","category":"FAQsCategory"},"558ffd9e-2df2-5f9d-86f2-dd2e4157a650":{"page":"When can I expect to receive my new President's Choice Financial Mastercard?","description":"After we get your application, it takes approximately 5-7 business days for you to receive your new card. With your card comes a Welcome Kit including your PC Mastercard and Cardholder Agreement, your Certificate of Insurance, and a Benefits Guide that lays out all the advantages that come with your new card as well as other useful information to help you get the most out of your new card.","url":"/learning-hub/faqs/pc-mastercard-application/when-can-i-expect-to-receive-my-new-presidents-choice-financial-mastercard","category":"FAQsCategory"},"38332eca-0939-5515-ae6d-a0a25b2412ac":{"page":"How do I apply for a President's Choice Financial Mastercard?","description":"Apply online now In person at participating locations with a President’s Choice Financial pavilion or in-store representative ","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-apply-for-a-presidents-choice-financial-mastercard","category":"FAQsCategory"},"3d1f89fe-1afc-589b-90d2-0a80e937ffa7":{"page":"Why should I get a President's Choice Financial Mastercard?","description":"The President's Choice Financial® Mastercard® is the fastest way to earn PC Optimum points. It’s simple, the more you use it, the more points you’ll earn. Every 10,000 PC Optimum points is like $10 worth of free stuff at 4,500+ participating stores, including stores like Loblaws, Real Canadian Superstore, No Frills, Joe Fresh and Shoppers Drug Mart. Visit our store locator to see all participating locations in your area. All with no annual fee!\n\nWith your card comes a Welcome Kit including your PC Financial Mastercard and Cardholder Agreement, your Certificate of Insurance, and a Benefits Guide that lays out all the advantages that come with your new card as well as other useful information to help you get the most out of your new card.","url":"/learning-hub/faqs/pc-mastercard-application/why-should-i-get-a-presidents-choice-financial-mastercard","category":"FAQsCategory"},"ae8680af-55c7-55af-bdcd-0df0820d3bb0":{"page":"How to I cancel a bill payment?","description":"You can cancel any bill payment from your PC Money™ Account up until it is carried out by logging into your online account. Steps Log in to your PC Financial mobile app or online account Tap the pay and transfer button (the \"+\" on your mobile app) Click pay bills Click scheduled and pending Click on the transaction you’d like to cancel Click cancel ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-cancel-a-bill-payment","category":"FAQsCategory"},"90577141-2990-560d-8a90-fa911f2aeae2":{"page":"How do I set up a Future Dated Bill Payment?","description":"You can set up future-dated and recurring bill payments from your PC Money™ Account. Steps Log in to your PC Financial mobile app or online account Tap the pay and transfer button (the \"+\" on your mobile app) Click pay bills Select the payee you wish to pay Select the amount, date, and frequency with which you would like the payment\nto be made If your frequency is more than \"Just Once\", select a specific date\nor end a scheduled payment manually Confirm your payment ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-set-up-a-future-dated-bill-payment","category":"FAQsCategory"},"39c69030-4335-5e45-a8b6-9957fdf4c29b":{"page":"How do I pay a bill?","description":"You can pay bills from your PC Money™ Account. Steps Log in to your PC Financial mobile app or online account Click the pay and transfer button (the \"+\" on your mobile app) Click pay bills Select the payee you wish to pay Select the amount, date and frequency with which you would like the payment\nto be made Confirm your payment ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-pay-a-bill","category":"FAQsCategory"},"5ab0d5d4-c453-52e3-81dd-1913b8568644":{"page":"What is a PC Optimum Household?","description":"As a PC Optimum member, you have the opportunity to pool your points with those of up to 9 other PC Optimum members, for a total of 10 members. Household members do not need to be PC Financial customers. This grouping is called a “Household.” All members of a Household can contribute points to the same total, and all members have the opportunity to redeem from that same points total, too. \n\nYou can join a Household only if another PC Optimum member invites you. Creating a Household is just as easy. Visit PC Optimum and through My Account, select Household and follow the instructions to invite up to 9 other PC Optimum members to pool their points with yours. \n\nWhen you join a Household, all of the PC Optimum points in your account are pooled with the points of all members of the Household. Any member of a Household may, at their sole discretion, spend any or all of the PC Optimum points that are held by members of that Household, including points that were earned by other members of the Household.\n\nYou can’t remove someone from a Household once they’ve accepted an invitation to join; however, you can leave a Household at any time. \n\nWhen someone leaves a Household, they leave with their share of points, which are calculated based on their contributions or redemptions relative to the total amount of points pooled. This points amount will be shown to a member prior to leaving the household.\n\nThe total portion of redemptions attributed to the exiting member will be subtracted from the total amount of points contributed.","url":"/learning-hub/faqs/pc-optimum/what-is-a-pc-optimum-household","category":"FAQsCategory"},"412c438c-6ef4-5b5d-a506-63dd0d623cb5":{"page":"What are PC Optimum personalized offers?","description":"When you register your PC Financial Mastercard at PC Optimum and use your card at the checkout of participating stores, the program tailors your offers to the products you purchased.","url":"/learning-hub/faqs/pc-optimum/what-are-pc-optimum-personalized-offers","category":"FAQsCategory"},"d93887bc-97ef-515f-9bb5-a6eb2db2335b":{"page":"Can I transfer my PC Optimum points to someone else?","description":"No. Points are not transferable between members at this time. However, you can create a Household at PC Optimum and each member’s points will be added to the Household pool.","url":"/learning-hub/faqs/pc-optimum/can-i-transfer-my-pc-optimum-points-to-someone-else","category":"FAQsCategory"},"3ba728a5-7d62-53ec-8928-231f5e638a80":{"page":"Loblaw Customers Join Together to Support Fort McMurray Residents, Donating More Than $120,000 and More than 1.6 Million Shoppers Optimum Points","description":"*Loblaw Companies commits an additional $300,000 in support for fire relief efforts*\n\n(__BRAMPTON, May 5, 2016__) - Loblaw Companies Ltd has committed $300,000 in support for relief efforts in Fort McMurray, including cash donations, and provisions of essential food and health supplies. In addition, in less than 24-hours, customers in stores across the country have donated more than $120,000 and 1.6 million Shoppers Optimum points to help displaced residents.\n\n“Our thoughts are with our colleagues, customers and those living in and around the Fort McMurray area,” said Bob Chant, Senior Vice President, Corporate Affairs, Loblaw. “During times of tragedy, Canadians band together to support our neighbours and we are overwhelmed at our customers’ generosity so far.”\n\nThe company has committed to a cash donation of $150,000 to the Canadian Red Cross. Additionally, through its network of more than 2,400 stores across the country, Loblaw has mobilized a disaster relief effort in each of its businesses to provide comprehensive support to those in Fort McMurray:\n\n- __Loblaw grocery__ is providing essential food, water, and pet food to emergency shelters and to the Canadian Red Cross, and has enabled customers wishing to support to donate in store.\n- __Shoppers Drug Mart__ will match the donation of Shoppers Optimum points, to a maximum of $25,000. The donated points will go toward required health and beauty products.\n- __PC Financial__ will provide special treatment on lending and credit card product payments as well as crediting client accounts for any fees caused by overdrafts, insufficient funds, or use of non-PC Financial bank machines.\n- __PC Insurance’s__ underwriters have catastrophe teams on the ground – affected customers to call 1.877.251.8656 for claim information\n\nThe company will continue to work closely with the Canadian Red Cross and local government officials to get supplies to residents and support their resettlement.\n\n__About Loblaw Companies Limited (TSX: L)__\n\n\nLoblaw Companies Limited is Canada’s food and pharmacy leader, the nation’s largest retailer, and the majority unitholder of Choice Properties Real Estate Investment Trust. Loblaw provides Canadians with grocery, pharmacy, health and beauty, apparel, general merchandise, banking, and wireless mobile products and services. With more than 2,300 corporate, franchised and Associate-owned locations, Loblaw, its franchisees, and Associate-owners employ approximately 192,000 full- and part-time employees, making it one of Canada’s largest private sector employers.\n\nLoblaw’s purpose – *Live Life Well* – puts first the needs and well-being of Canadians who make one billion transactions annually in the company’s stores. Loblaw is positioned to meet and exceed those needs in many ways: convenient locations; more than 1,050 grocery stores that span the value spectrum from discount to specialty; full-service pharmacies at more than 1,250 Shoppers Drug Mart and Pharmaprix locations and more than 500 Loblaw locations; no-fee banking with PC Financial; affordable Joe Fresh fashion and family apparel; and three of Canada’s top consumer brands in Life Brand®, no name® and President’s Choice®. Through the PC Plus™ and Shoppers Optimum® loyalty programs, more than one in every three Canadians are rewarded for shopping with the companies.\n\nFor more information, contact:\n\n[Email: pr@loblaw.ca](mailto:pr@loblaw.ca)\n\n[Call: 905-459-2500](tel:9054592500)","url":"/media-centre/loblaw-customers-join-together-to-support-fort-mcmurray","category":"AllCategory"},"39751e0d-666d-5fbe-b92c-aca32ad139bc":{"page":"Does Mother Know Best?","description":"*Mother’s Day Survey conducted for President’s Choice Financial reveals the brains behind Canadian family finances*\n\n__Toronto, Ontario – May 7, 2012__ – Who’s running the show in the typical Canadian household? A new Mother’s Day survey released today shows that women can claim the title of ‘Chief Financial Officer’ in most families.\n\nWhile moms are the often unsung heroes keeping Canadian families running like a well-oiled machine, we may take some of their duties for granted. Results of this new poll, conducted for *__President’s Choice Financial__* by Leger Marketing in late April, found that while a majority of Canadians (56%) identify a male figure as “head of the household,” 41% say that it is a woman who is responsible for managing day-to-day household expenses and bills. That compares with only 33% of respondents who cited a man and 22% who said family-finance duties are evenly split.\n\nAccording to the survey, the first installment in a series about the Canadian family commissioned by *__President’s Choice Financial__*, it appears that mother does still know best. Many respondents said that when they were growing up their mother took responsibility for managing the household expenses and bills (42.8%), as opposed to their father (29.3%) or an equal split between the two (24.2%).\n\nAmong the poll’s other findings:\n\n- In another indication that mom manages the family finances, children are considerably more likely to ask their mother for money than their fathers. When parents were asked if their kids were more likely to go to the “other parent” when they want money, men were more likely to say that was the case (31%), while women were more likely to disagree (66%); and 53.1% of parents said that they do give their children an allowance.\n- “Research shows us that women and mothers, in addition to their day-to-day responsibilities, continue to play a key role when it comes to keeping the family finances on track,” said Barry Columb, President of *__President’s Choice Financial__*. “At PC Financial, we’re committed to helping provide Canadian families with the products and information they need to attain their financial goals.”\n\nAs part of this ongoing commitment to the Canadian family, *__President’s Choice Financial__* today announced it is teaming up with author, speaker and parenting expert Kathy Buckworth, who will serve as its first *Chief Family Advisor*.\n\nBuckworth, an accomplished mother of four will help President’s Choice Financial advocate for consumers and educate Canadians about managing their money and realizing their long-term financial goals.\n\nBuckworth, the author of six books, including I Am So the Boss of You, to be released next spring by McClelland & Stewart, is an award-winning writer who’s known to many Canadians as a regular parenting correspondent for a variety of national daytime and news television programs. She was named one of the “Top Parents to Follow on Twitter” by Canadian Parents, and one of the country’s “Top Home-grown Bloggers” by a leading Canadian lifestyle publication.\n\n“As a busy mom and businesswoman, I understand the challenges facing the modern family,” said Buckworth. “I’m very excited to work with President’s Choice Financial, as they continue to find new ways to help Canadians navigate their everyday financial needs.”","url":"/media-centre/does-mother-know-best","category":"AllCategory"},"47c578f4-36c0-5db6-8e81-cc78e9991fec":{"page":"Is Canada a Celebration Nation","description":"__From first license to first tooth, Canadians keen to fete modest milestones__\n\n*75% would throw a party for life’s everyday events; 41% cite loyalty points as a way to pay for it*\n\n(__Toronto, Ontario – October 14, 2014__) - Wild and extravagant are terms not typically used to describe Canadians, but a new poll finds that three-quarters of us would throw a party to celebrate at least one of life’s smaller events.\n\nThe Leger survey, conducted for President’s Choice Financial® services, found that the top non-traditional events Canadians consider worth celebrating include a first driver’s license (41 per cent); a child’s first step, tooth or day at school (27 per cent); a first pay cheque (26 per cent); and even a divorce (18 per cent).\n\n“Canadians are continuously looking for reasons to celebrate the everyday — and you can, by making smart spending choices,” said Kathy Buckworth, author, parent and Chief Family Advisor for President’s Choice Financial®. “As a mother of four, making my budget stretch to cover every family ‘first’ is a challenge. Staying on budget is a priority, but I’ve found creative ways to make my money work for me, such as redeeming the PC points earned with my PC Financial Mastercard.”\n\n__Canadians love to party – but how do we pay for it?__\n\n\nWhile 62 per cent of Canadians surveyed have a credit card that offers loyalty reward points, a majority of these cardholders said they redeem their points only once a year.\n\n“With a PC Financial Mastercard, Canadians have the opportunity to collect and redeem PC points fast, for a variety of items – right where they buy groceries,” said Barry Columb, President of PC Bank. “Earning PC points on each dollar spent, everywhere, helps our customers afford more of life’s little pleasures – no matter what the event. It’s our way of helping to simplify and improve their lives.”\n\n__Other key survey findings include:__\n\n\n- Eighty-nine per cent of Canadian credit cardholders prefer to redeem their loyalty points for themselves or their families;\n- Vacations (43 per cent), groceries (40 per cent) and entertainment (26 per cent) are the three most common things Canadians redeem their loyalty points for;\n- Women are more likely to use their loyalty points to buy practical, every-day items versus men (32 per cent vs. 25 per cent), who tend to spend their points on vacations and entertainment (39 per cent vs. 31 per cent); and\n- Eight per cent of those surveyed would celebrate a first date and while 18 per cent consider a divorce worth celebrating, only one per cent said they’d throw a party to celebrate an engagement.\n\nTo date, Canadians have redeemed more than $100 million in PC points, in addition to enjoying the great value offered by President’s Choice Financial® services for their everyday financial needs.\n\n__About the survey__\n\n\nThe survey of 1502 Canadians was completed online between September 2 and September 4, 2014 using Leger’s online panel, LegerWeb. A probability sample of the same size would yield a margin of error of +/- 2.5%, 19 times out of 20.\n\n__About President’s Choice Financial__\n\n\nPresident's Choice Financial® services are a unique financial service offering designed by Loblaw Companies Limited. President’s Choice Bank provides the President’s Choice Financial® Mastercard®. For more information visit [www.pcfinancial.ca](https://www.pcfinancial.ca/ \"www.pcfinancial.ca\") or follow us on [Facebook](https://www.facebook.com/PCFinancial \"Facebook\"), Twitter [@pcfinancial](https://twitter.com/pcfinancial \"@pcfinancial\") and [YouTube](http://www.youtube.com/user/PCFinancial \"YouTube\").\n\n__About Loblaw Companies Limited (TSX: L)__\n\n\nLoblaw Companies Limited is Canada's food and pharmacy leader, the nation's largest retailer, and the majority unit holder of Choice Properties Real Estate Investment Trust. Loblaw provides Canadians with grocery, pharmacy, health and beauty, apparel, general merchandise, banking, and wireless mobile products and services. With more than 2,300 corporate, franchised and Associate-owned locations, Loblaw, its franchisees, and Associate-owners employ approximately 192,000 full- and part-time employees, making it one of Canada's largest private sector employers. Loblaw's purpose - *Live Life Well* - puts first the needs and well-being of Canadians who make one billion transactions annually in the companies' stores. Loblaw is positioned to meet and exceed those needs in many ways: convenient locations; more than 1,050 grocery stores that span the value spectrum from discount to specialty; full-service pharmacies at more than 1,250 Shoppers Drug Mart® and Pharmaprix® locations and more than 500 Loblaw locations; PC Financial® no-fee banking; affordable Joe Fresh® fashion and family apparel; and three of Canada's top consumer brands in Life Brand®, no name® and President's Choice®. Through the PC Plus™ and Shoppers Optimum® loyalty programs, more than one in every three Canadians are rewarded for shopping with the companies.","url":"/media-centre/is-canada-a-celebration-nation","category":"AllCategory"},"48cd2d96-3e6f-581d-b0f5-e879ea0302ec":{"page":"President's Choice Financial® Offers Digital Payment to Customers with Apple Pay","description":"__Toronto, Ontario (August 2nd, 2016)__ - (TSX:L) - PC Financial®, a division of Loblaw Companies Limited, announced the availability of Apple Pay today, offering PC Financial Mastercard customers further choice, security and convenience with the ability to use iPhone, iPad or Apple Watch to make seamless purchases.\n\n“We know the PC Financial® customer wants simplicity, convenience and, most importantly, security when making a payment, and we look forward to offering Apple Pay as a digital option that delivers on all of these values,” says Barry Columb, President, PC Bank.\n\nLoblaw accepts Apple Pay in all of its grocery and drug store locations nationwide. The PC Financial® Mastercard® portfolio gives customers the benefit of the PC Plus® loyalty program and will continue to offer PC®points on every dollar spent when using the digital PC Financial® World Elite Mastercard® and PC Financial® Mastercard®. The PC Financial® World Elite Mastercard® is a no annual fee premium card that rewards Canadians for everyday purchases.\n\nSecurity and privacy is at the core of Apple Pay. When you use a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code.\n\nApple Pay is easy to set up and users will continue to receive all of the rewards and benefits offered by credit and debit cards. In stores, Apple Pay works with iPhone SE, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus and Apple Watch.\n\nFor more information about Apple Pay, visit [http://apple.com/ca/apple-pay](http://apple.com/ca/apple-pay \"http://apple.com/ca/apple-pay\")","url":"/media-centre/apple-pay","category":"AllCategory"},"7b27af28-c9b6-5b16-91c1-c6ae3165e854":{"page":"Clever Canucks Earn Free Food Fast with PC Financial® Mastercard®","description":"*PC Financial Mastercard celebrates ten years with 'Become a PC points Millionaire' contest*\n\n__Toronto, ON: April 11, 2011__ – Over the last decade, President's Choice Financial® has helped Canadians earn almost three quarters of a billion dollars in free groceries and rewards. Now, with the ten-year anniversary of its PC Financial Mastercard in the market, the company is celebrating with a series of special offers, contests and promotions to help Canadians save even more.\n\nThe year-long campaign kicks off today with the launch of the '__Become a PC® points Millionaire__' contest, which will induct ten lucky Canadians into the PC points millionaire club.\n\n\"We know that Canadians are interested in smart ways to save money that also can bring value and benefit to their lifestyle, \"says Barry Columb, CEO of President's Choice Financial. \"Clipping coupons, watching for sales and using a no-annual-fee, rewards-based credit card like the PC Financial Mastercard, are all simple but effective everyday solutions that can really add up over the course of a year.\"\n\nThe contest, which begins today and runs until May 30, 2011, will see ten winners receive one million PC points each. That's enough for each winner to redeem for $1,000 of free groceries, Joe Fresh Style® fashions and almost any other item sold at participating Loblaw Companies Limited stores.\n\nAs Canadians look for new ways to do more with less, smart shoppers continue to rely on their PC points. Since 2005, PC points redemptions have increased by approximately 15 per cent. \n\n\"While some rewards-based cards see customers save points for many years to redeem for travel or other big ticket items, at PC Financial, our customers love the fact that they can redeem their points on a regular basis for food items and household products,\" added Columb. \"Points can be redeemed for just about anything we sell in our stores, from bananas and broccoli to patio furniture and gift cards. Customers don't have to choose from a limited number of items in a catalogue – we make it easy for cardholders to select products, redeem points and save money in their everyday lives.\"\n\n__Background__
\nSince the card's launch in 2001, the no-annual-fee President's Choice Financial Mastercard has grown in popularity to become one of Canada's most popular credit cards. Since the PC points program began in 1998, customers have redeemed points for almost $750 million dollars in free groceries and rewards.\n\nCardholders acquire 10 PC points for every dollar spent on their PC Mastercard, which can then be redeemed for items at stores where President's Choice products are sold, including Loblaws, Real Canadian Superstore, Zehrs, nofrills, Fortino's and Your Independent Grocer locations. PC points are easy to redeem at the store checkout – a minimum of 20,000 points (worth $20 in rewards) is required for redemption, or higher amounts in further increments of 10,000 PC points (additional $10). PC points can also be redeemed for T & T Supermarket gift cards.\n\n__Quotes__
\nHere's what a few of our loyal President's Choice Financial® Mastercard® customers had to say:\n\n> \"I buy Zehr's gift cards with my points for my two 'starving student' away-at-school kids. Also have used them to buy prizes for different charity raffles. Just love my PC MasterCard!\"\n> Wendy\n\n> \"We put everything on our PC MasterCard and redeem about $800 towards free groceries every year! Then we use what we budgeted for groceries on anything we want - such an awesome treat! Yay PC!\"\n> Sarah\n\n\n\n__PC points by the numbers:__\n\n| | |\n| ---------- | ---------- |\n| Almost $750 million: | Value of free groceries and rewards redeemed since 1998 through PC points program |\n| Approximately 2,200 | Number of PC points millionaires (current PC points balance over one million) |\n| Approximately 15 percent: | Increase in redemption rates of PC since 2005 |\n| December 23, 2010 | Biggest single day for PC points redemptions in 2010 |\n\n\n__About Loblaw Companies Limited__
\nLoblaw Companies Limited, a subsidiary of George Weston Limited, is Canada's largest food distributor and a leading provider of drugstore, general merchandise and financial products and services. Loblaw is one of the largest private sector employers in Canada. With more than 1,000 corporate and franchised stores from coast to coast, Loblaw and its franchisees employ more than 136,000 full-time and part-time employees. Through its portfolio of store formats, Loblaw is committed to providing Canadians with a wide, growing and successful range of products and services to meet the everyday household demands of Canadian consumers. Loblaw is known for the quality, innovation and value of its food offering. It offers Canada's strongest control (private) label program, including the unique President's Choice®, no name® and Joe Fresh Style® brands.\n\n__In addition, the Company makes available to consumers President's Choice Financial® services and offers the PC® points loyalty program.__","url":"/media-centre/become-a-pc-points-millionaire-contest","category":"AllCategory"},"7f97dd24-da12-5d55-a6f1-3bf16dc06be4":{"page":"PC Financial® Mastercard® Launches Exclusive New Travel Service","description":"*Customers can now enjoy an exclusive benefit while earning double the regular PC® points on travel services*\n\n(__Toronto, Ontario – September 23, 2014__) - President’s Choice Finanical® Mastercard® today announced it has launched PC™ travel services, an exclusive travel benefit for cardholders only. This premium service offers cardholders an extensive range of travel options at competitive prices, while also allowing them to earn double the regular PC® points.\n\nPC Financial Mastercard customers are invited to access this premium service online, at [www.pctravel.ca](http://www.pctravel.ca/ \"www.pctravel.ca\") or through the PC™ travel services call centre - where a knowledgeable travel expert can help book travel needs including flights, hotels, car rentals and more.\n\n“Our customers are some of the most loyal out there, so we’re always looking for new ways to recognize and reward that behaviour. With PC travel services, customers will have a simple and better experience when booking their next holiday or travel adventure,” said Barry Columb, President of PC Bank. “Even better, they will earn double the regular PC points on all travel purchases. Now that’s just good banking!","url":"/media-centre/pc-travel","category":"AllCategory"},"5c777b73-ceaf-5ed4-b4b2-0679e46ab045":{"page":"PC Financial Mastercard","description":"Earn PC Optimum points every time you shop with the no annual fee PC Financial Mastercard. Get full card details and apply today!","url":"/credit-cards/pc-mastercard/","category":"ProductCategory"},"7decb77a-1c66-519f-8d76-ac63163a601b":{"page":"PC Financial World Mastercard","description":"Get more bang for your no annual fee with the PC World Mastercard. See how you can earn PC Optimum points towards free rewards every time you shop.","url":"/credit-cards/world-mastercard/","category":"ProductCategory"},"734931d7-bc7e-58a1-9c34-52c8c1c0581b":{"page":"PC Financial World Elite Mastercard","description":"Earn PC Optimum points everywhere you shop with Canada's first no annual fee World Elite Mastercard from PC Financial. See card details and apply today!","url":"/credit-cards/world-elite/","category":"ProductCategory"},"8fbbe0a2-d7bd-5f12-90a9-f6fa066a3054":{"page":"About Tied Selling","description":"Canada’s Bank Act requires all banks to inform consumers in plain language that coercive tied selling is an illegal practice. Under section 459.1 of the Bank Act, banks are prohibited from imposing undue pressure on, or coercing a person to obtain a product or service from the bank or any of its affiliates as a condition for obtaining another product or service from the bank. President’s Choice Bank has created this page to help you understand:\n\n- what is coercive tied selling,\n- what is not coercive tied selling, and,\n- how to contact us if you have any questions, complaints or concerns with respect to coercive tied selling.\n\n__What is Coercive Tied Selling?__\n\nCoercive tied selling occurs if a consumer is put in a position of undue pressure to purchase a product or service the consumer does not want from a bank or one of its affiliates, as a condition of receiving another product or service from the bank.\n\n> For example, a bank cannot tell you that you are approved for a credit card only if you transfer all of your investments to the bank as well.\n\nThis practice is against the law. If you qualify for a product or service offered by a bank in Canada, the bank’s representative is not allowed to unduly pressure you to buy another product or service you do not want, as a condition or being provided the product or service you do want.\n\n__What is not Coercive Tied Selling?__\n\nOffering customers special offers, or packages aimed at showing appreciation for their continued business may be confused with tied selling. Common practices that may be confused with tied selling, are Preferential Pricing, and Bundling of Products and Services.\n\nPreferential Pricing:\n\n> This is where a business offers a better price or rate to a customer in appreciation for their continued business. For example, where a store may offer you a discount if you purchase more than one item, similarly a bank may offer you a lower interest rate on a loan if you use more of its products or services.\n\nBundling of Products and Services:\n\n> This is where a business combines various products or services into a package, offering customers better prices, incentives or more favorable terms than if they were purchased separately. For example, a fast food chain may offer a meal combination that includes a hamburger, fries and a drink for a lower overall price than if you bought the three items separately. Similarly, a bank may offer bundled financial products at rates or prices that are better than what would apply to the individual products. \n\nBundling of products in this way is permitted because you have the choice of buying items separately or in a package.\n\n__What is Our Commitment to You?__\n\nWe expect all employees of President’s Choice Bank to comply with the law by not practicing coercive tied selling. We provide our employees with information and training on acceptable sales practices. We urge you to let us know if you believe that you have experienced coercive tied selling in any dealings with us.\n\n__Contact Us__\n\nIf you have any questions, complaints or concerns, contact President’s Choice Bank as follows:\n\nBy telephone, toll free: [1 866 246 PCMC (7262)][1]\n\nServices for the hearing impaired: [1 855 223 3499 (TTY only)][2]\n\nBy email: [talktous@pcmastercard.pcfinancial.ca][3]\n\nBy mail: \nPresident's Choice Financial Mastercard\nP.O. Box 4403, STN A, Dept. 5114\nToronto, ON M5W 5Y4\n\n[1]: tel:18662467262\n[2]: tel:18552233499\n[3]: mailto:talktous@pcmastercard.pcfinancial.ca","url":"/legal-stuff/about-tied-selling/","category":"AllCategory"},"94b3ba57-56bb-5179-b1c1-8f0181df5591":{"page":"Trademarks and Copyright Information","description":"This web site contains many of the valuable trademarks, names, package designs,\ncopyrights and other proprietary material owned and used by Loblaws Inc. and/or its affiliated companies or co-venturers, including but not limited to President's Choice® and PC® (the \"Trademarks\"). The Trademarks on this web site are protected from copying or reproduction under national and international trademark and copyright laws and nothing\ncontained herein shall be construed by implication or otherwise any license or right under any patent, trademark, copyright or other proprietary right. Therefore, the use of the Trademarks is strictly prohibited. All rights reserved.\n\n®/™ Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of these marks.\n\nShoppers Drug Mart® and Pharmaprix® are registered trademarks of 911979 Alberta Ltd., used under licence.\nJoe Fresh® is a registered trademark of Joe Fresh Apparel Canada Inc.\n©/™ Trademarks used under license. Esso is a trademark of Imperial Oil Limited.\nImperial Oil, licensee. Mobil and Fuel Technology Synergy are trademarks of\nExxonMobil Corporation or one of its subsidiaries. Imperial Oil, licensee.\nAssurant® is a registered trademark of Assurant, Inc.\n\nThe content of this web site is protected by copyright. ©2018 Loblaws Inc.\n","url":"/legal-stuff/trademarks/","category":"AllCategory"},"9bccdf21-28fb-5569-b1d6-f6738c6703dd":{"page":"Electronic Delivery of Documents Terms & Conditions","description":"### Electronic Communications Consent and Agreement\n\nYou can view and save the electronic version of your monthly statements and other legal documents pertaining to your President’s Choice Bank financial products and services, electronically online from anywhere you have Internet access.\n\nYou may choose to enrol in the electronic delivery of communications by selecting the checkbox below. If you choose to enrol in the electronic delivery of communications, you will no longer receive printed account statements in the mail, and will receive email alerts when your account statements are ready or when there are notices or amendments to legal documents related to any of your financial products or accounts with us that we are providing electronically. The email alerts may include a link to access those documents.\n\nPlease review the terms and conditions outlined below, then check the below box and click the “I Agree” button.\n\nThe following terms and conditions will apply to the electronic delivery of Communications for your Accounts.\n\n__1. Definitions__\n\nIn this Agreement:\n\n“__Account__” means the account for any product or service provided by us to you including any credit card or any personal deposit account you may have with us.\n\n“__Account Agreement__” means any and all agreements that contain the terms and conditions that apply to an Account, as amended from time to time.\n\n“__Agreement__” means this Electronic Communications Consent and Agreement, as amended from time to time.\n\n“__Communication__” means any Document or Statement.\n\n“__Document__” means any document, disclosure, notice, communication or other information that is provided to you, other than a Statement (but which may be included with your Statement). Documents may include legal or regulatory notices about an Account including fee, interest and other rate changes, statement notification alerts, secure messages, or other communications provided by us including information of a marketing or promotional nature.\n\n“__Email Notification__” means the email you requested we send to you, at the email address you have provided us, notifying you of the availability of Communications in the Link. From time to time, the Communication may be wholly contained within the Email Notification.\n\n“__Link__” means any link which may be included in an Email Notification which will direct you to Communications that have been provided to you electronically.\n\n“__PC Financial Website__” means the website we make available to our customers that relate to our products and services from time to time.\n\n“__Statement__” means the statement for an Account that we provide to you, usually on a monthly basis, as described in any Account Agreement.\n\n“__We__”, “__us__” and “__our__” mean President’s Choice Bank and its affiliates.\n\n“__You__” or “__your__” means the individual who enrols in this Agreement and is entitled to receive Communications with respect to an Account.\n\n__2. Consent to Receive Communications Electronically__\n\nCommunications will be provided to you electronically through the Link, or within the Email Notification. As a result, Communications may no longer be mailed to you. You may revoke your consent to receive Communications electronically at any time as described in Section 4 of this Agreement. Communications delivered electronically may be presented as PDF files and may require you to have the necessary software installed on your computer. We do not own or operate, and are not responsible for, any software used by you.\n\nIn connection with any Account which is jointly held, you represent and confirm to us that you have the approval and consent of your joint accountholder(s) to enter into this Agreement on their behalf. \n\n__3. Review of Communications; Email Notifications__\n\nYou will promptly and carefully examine the transactions that appear on your electronic Statement and notify us in writing of any errors or omissions on the Statement. If we do not receive such notice from you of any errors or omissions within 30 days of the date of the Statement, the Statement will be regarded as final (except for improper credits).\n\nYou agree that it is your responsibility to access all Communications and to login to your online Account to review your Account(s) on the PC Financial Website on a regular basis to determine if any Communication has been provided to you. We are not responsible if you do not receive an Email Notification from us or you are unable to access any Link. It remains your responsibility to review the PC Financial Website whether or not you have received such Email Notification.\n\nThis Agreement does not replace, but is in addition to, any other agreements you have with us including, for example, any Account Agreement. You are not relieved from any obligations relating to an Account or any Account Agreement as a result of enrolling in this electronic delivery service, or if this Agreement or your PC Financial Website access is cancelled, terminated or suspended for any reason or if you are unable to retrieve or view your Communications for any reason. You are not relieved of your obligations for an Account until all amounts owed to us relating to such Account, including interest and any fees, have been paid in full.\n\n__4. Changing your Delivery Options__\n\nYou may revoke your consent to receive Communications electronically and cancel this Agreement and the electronic delivery of Communications to you by notifying us through the PC Financial Website or by contacting the call centre. When you revoke your consent, and change your delivery option from electronic to mail, your Communications will be mailed to the last mailing address for you appearing on our records.\n\nIf you change your email address for Communications on the PC Financial Website, all future Email Notifications will be sent to that address.\n\n__5. Availability of Communications__\n\nYou will be able to view any Communication (except for marketing and promotional materials) that has been provided to you electronically through the Link for up to 7 years from the date of that Communication, after which time it will be automatically deleted.\n\nUpon request, we will provide a paper copy of any Communication (except for marketing and promotional materials) that has been provided to you electronically through the Link in the past 7 years upon request, subject to any applicable fee.\n\nAll Communications made available to you through the PC Financial Website can be printed or saved by you any time while they are still available for viewing through the Link.\n\n__6. Providing Paper Communications; Your Mailing Address__\n\nWe may provide you with a paper copy of any Communication by mail instead of, or in addition to, providing them electronically for any reason, including if we determine it necessary to do so for any reason or if we are unable to deliver the Communications electronically to you for any reason. You agree to continue to notify us of any change to your mailing address as you are required to do by any Account Agreement you have with us, even if you have chosen the electronic delivery method for your Account.\n\nAll Communications that we provide to you will be deemed to be received by you on the day that we post that Communication to the Link, or send an email including that Communication, even if you do not view or access the Communication for any reason.\n\n__7. Changes to and Termination of this Agreement__\n\nWe may change, cancel, suspend or terminate this Agreement with or without notice unless required by law to provide you with notice, for any reason, including if you are, or we consider you in default under this Agreement or your Account Agreement or in the event of a technical or security difficulty.\n\nAny notice required under this Agreement, including a notice of change about this Agreement, may be provided by us through your electronic Communication, the Link, or by mail at your mailing address last appearing on our records. If you access the PC Financial Website after the effective date of the change, it will mean that you have agreed and consented to any such changes.\n\nIf this Agreement is cancelled, suspended or terminated, your Communications will be provided to you by mail at your last mailing address appearing in our records.\n\n__8. No Liability__\n\nWe are not responsible or liable for any damage, loss or inconvenience you may incur in connection with your electronic Communications, including the electronic delivery of those Communications. This includes, but is not limited to, if you are unable to receive, print, store or save an electronic Communication that has been provided to you; or unable to access current or prior electronic Communications as a result of any failure, error or malfunction, even if the failure, error or malfunction was a result of our negligence or the negligence of our employees, agents or representatives.\n\n__9. Governing Law__\n\nThis Agreement will be governed by and interpreted in accordance with Canadian law. The courts in the Canadian province or territory in which you reside will have exclusive jurisdiction over any disputes arising in connection with the Account or this Agreement.\n\nIf you have read, understand and agree to be bound by the above terms and conditions and consent to obtaining all Communications electronically, check the below box, then click “I Agree”.\n\nIf you do not agree, __do not__ check the consent to electronic documents checkbox below and you will receive all Communications in paper form.\n\nPlease print a copy of this Electronic Communications Consent and Agreement for your records. A print-ready version is also available on the PC Financial Website under the “legal stuff” section.","url":"/legal-stuff/electronic-delivery-of-documents-terms-conditions/","category":"AllCategory"},"12eec541-15f5-5c0c-a12d-63c4d6e4b714":{"page":"PC Optimum points earning rates and rounding rules for PC Financial payment cards","description":"### All PC Financial Mastercard® credit cards\nAt least 10 *PC Optimum* points per $1 on qualifying purchases made with any PC Financial Mastercard credit card, wherever such cards are accepted.\n\nGas at Esso: earn at least 10 *PC Optimum* points per litre when you charge an eligible purchase of gasoline or diesel fuel at a participating Esso™ or Mobil™ branded gas station in Canada to your eligible *PC Financial* Mastercard® credit card. Bonus points earned are in addition to the regular 10 *PC Optimum* points per $1 earned for all purchases charged to your card, and at least 10 *PC Optimum* points per litre available to all *PC Optimum* loyalty members. Earn an additional 10 *PC Optimum* points per litre of premium gasoline (Octane 89, 91, 93) at Esso™ and select Mobil™ Stations. You could earn even more points at Mobil™ Stations located adjacent to a Loblaw banner grocery store. Exact earning rate at the station nearest you is available in the station locator located at pcfinancial.ca/gas. For qualifying purchases of gas at participating Esso™ and Mobil™ locations using a *PC Financial* Mastercard card, bonus *PC Optimum* points are calculated for each transaction based on the transaction data provided by Esso. Eligible purchases of 0.5 litres or more will be rounded up to the next litre and eligible purchases of 0.49 litres or less will be rounded down.\n\nYou will also be eligible for any bonus *PC Optimum* points offers made to all PC Financial Mastercard credit card customers. All such offers are calculated separately and based on the regular 10 *PC Optimum* points per $1 earning rate.\n\n__PC Financial Mastercard credit card__ \n20 *PC Optimum* points per $1 on qualifying PC™ travel services purchases made with a PC Financial Mastercard credit card. For these purchases you will earn the regular 10 *PC Optimum* points per $1 plus an extra 10 *PC Optimum* points per $1 charged on your card(s) for a total of 20 *PC Optimum* points per $.\n\n__PC Financial World Mastercard__ \n20 *PC Optimum* points per $1 on qualifying purchases made with a President's Choice Financial® World Mastercard® credit card at participating Loblaw Banner Stores, Joe Fresh stores in Canada, and PC™ travel services. For these purchases you will earn the regular 10 *PC Optimum* points per $1 plus an extra 10 *PC Optimum* points per $1 charged on your card(s) for a total of 20 *PC Optimum* points per $.\n\n__PC Financial World Elite Mastercard__ \n30 *PC Optimum* points per $1 on qualifying purchases made with a President's Choice Financial® World Mastercard® credit card at participating Loblaw Banner Stores, Joe Fresh stores in Canada, and PC™ travel services. For these purchases you will earn the regular 10 *PC Optimum* points per $1 plus an extra 20 *PC Optimum* points per $1 charged on your card(s) for a total of 30 *PC Optimum* points per $1.\n\n[1]: http://gas.pcfinancial.ca/english/","url":"/legal-stuff/pc-optimum-mastercard/","category":"AllCategory"},"8ae4b689-7161-597d-83f6-7eb011b8e3e9":{"page":"Voluntary Codes of Conduct","description":"President's Choice Bank adheres to the following Codes of Conduct and Public Commitments.
\n\nCode of Conduct for the Debit and Credit Card Industry
\n\nCanadian Code of Practice for Consumer Debit Card Services
\n\nPrinciples of Consumer Protection for Electronic Commerce: A Canadian Framework
\n\nCommitment on Modification or Replacement of Existing Products or Services
\n\nCommitment on Powers of Attorney and Joint Deposit Accounts
\n\nCommitment on the Expansion of Low-cost and No-Cost Bank Accounts
\n\nMasterCard Zero Liability Fraud Protection Public Commitment
\n\nCode of Conduct for the Delivery of Banking Services to Seniors
\n\nOnline Payments
\n\nCBA Code of Conduct for Authorized Insurance Activities
","url":"/legal-stuff/voluntary-codes-of-conduct/","category":"AllCategory"},"645c3d92-a5f5-5c6c-b9ed-096bfac3891c":{"page":"PC Financial Mastercard Cardholder Agreement","description":"PC Financial Mastercard customers prior to February 1, 2018
\n\nNew PC Financial Mastercard customers as of February 1, 2018
\n","url":"/legal-stuff/pc-mastercard-cardholder-agreement/","category":"AllCategory"},"bce68957-766b-5856-9579-63e65cac66bf":{"page":"Links to third party websites","description":"This site may contain links to third-party web sites that are not owned, operated or controlled by President's Choice Bank, President's Choice Services Inc., or their affiliates (collectively \"PC Financial\"). These links are provided solely as a convenience to you and not as an endorsement by PC Financial of the contents of such third-party web sites. PC Financial is not responsible for the content of any third-party web site, nor does it make any representation or warranty of any kind regarding any third-party web site including, without limitation: (i) any representation or warranty regarding the legality, accuracy, reliability, completeness, timeliness, suitability of any content on any third-party web site; (ii) any representation or warranty regarding the merchantability or fitness for a particular purpose of any material, content, software, goods or services located at or made available through such third-party web sites; or (iii) any representation or warranty that the operation of the third-party web sites will be uninterrupted or error free, that defects or errors in such third-party websites will be corrected or that such third-party websites will be free from viruses or other harmful components.","url":"/legal-stuff/third-party-websites/","category":"AllCategory"},"2a3e1cdd-cbeb-5736-a323-9887ecb86e11":{"page":"How to resolve your concerns with President’s Choice Financial","description":"PC Bank is committed to resolving customer complaints fairly and in a timely manner. We value customer feedback and encourage you to contact us with your complaints to give us an opportunity to resolve your concerns. Please follow these steps if you have a complaint.\n\n__Step One:__\nPlease contact our call centre at [1 866 246 7262][1] and one of our Customer Service Representatives will assist you with your concerns.\n\n__Step Two:__\nIf your concern is not resolved to your satisfaction, then you may escalate to President's Choice Bank Executive Customer Care. There are two methods which may be used to contact Executive Customer Care:\n\nPhone: [1 866 822 8775][2]\nEmail: [customercare@pcbank.ca][3]\n\n__Step Three:__\nIf you feel that President's Choice Bank Executive Customer Care has not addressed your concern to your satisfaction, you may then contact the President's Choice Bank Ombudsman directly by email at [ombudsman@pcbank.ca][4], or by mail at President's Choice Bank Ombudsman, 600-500 Lakeshore Blvd. West, Toronto, ON, M5V 2V9.\n\nPlease note that the Ombudsman will only be able to accept your request for an independent review if you have completed steps 1 and 2 and your case has already been addressed by President's Choice Bank Executive Customer Care and you are not satisfied with the outcome. Otherwise, your case will be referred back to President's Choice Bank Executive Customer Care for appropriate review prior to the Ombudsman's involvement.\n\nIf you cannot accept the decision of the President's Choice Bank Ombudsman, you can contact the Ombudsman for Banking Services and Investments (OBSI), who is independent from President's Choice Bank and whose purpose is to review your complaint. You can contact OBSI by phone at [1 888 451 4519][5], by fax at 1 888 422 2865, by email at [ombudsman@obsi.ca][6], or by mail at Ombudsman for Banking Services and Investments, 20 Queen Street West, Suite 2400, P.O. Box 8, Toronto, ON M5H 3R3 or visit OBSI's website at: www.obsi.ca.\n\nThe Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions, such as President's Choice Bank. If you have a complaint regarding a potential violation of federal consumer protection laws, you can contact the FCAC in writing at: Financial Consumer Agency of Canada, 427, Laurier Avenue West, 6th Floor, Ottawa ON K1R 1B9 or through the website at www.fcac-acfc.gc.ca. The FCAC will determine whether the financial institution is in compliance. It will not, however, resolve individual consumer complaints.\n\n[1]: tel:18662467262\n[2]: tel:18668228775\n[3]: mailto:customercare@pcbank.ca\n[4]: mailto:ombudsman@pcbank.ca\n[5]: tel:18884514519\n[6]: mailto:ombudsman@obsi.ca\n[7]: http://www.obsi.ca/\n[8]: http://www.fcac-acfc.gc.ca/","url":"/legal-stuff/how-to-resolve-your-concerns-with-pc-financial/","category":"AllCategory"},"7acf35ea-3102-5e73-a1e3-5d328929811f":{"page":"Card benefits details","description":"You must apply by December 31, 2021 in order to be eligible for the current promotional balance transfer offer of a 0.97% interest rate for 6 months. Offer is available to eligible new customers only, within 90 days of your President's Choice Financial Mastercard account (\"Account\") approval. This offer may be changed, extended or cancelled without notice. Promotional interest rate is annual and applies, unless your Account is in default, only to the transferred amount for 6 months after the transaction date, after which the cash advance interest rate applicable to your Account applies to any remaining balance until the balance is paid in full, unless your Account is in default. Balance transfers are treated like cash advances and interest is charged from the date the transfer occurs, which may be up to 30 business days from your activation of the Account. Continue making your minimum payments on accounts from which you are transferring until the balance transfer amounts are credited to those accounts in order to avoid late charges and penalties. If the total amount to be transferred is more than your available credit limit, President's Choice Bank (\"PC Bank\") may send your creditors either full or partial payment up to the amount of your available credit limit. PC Bank reserves the right to limit the number and amount of balance transfers and to decline them for any reason. Balances from other President's Choice Financial accounts are not eligible to be transferred. Stop payments are not allowed. PC Optimum points are not earned on balance transfers unless otherwise specified. Please refer to your Cardholder Agreement and Card Carrier disclosures for further information. ","url":"/legal-stuff/card-benefits-details/","category":"AllCategory"},"9a50a44f-df7a-5cc0-9615-f593470c99f1":{"page":"Optional product details","description":"If you enroll in the optional Account Balance Protection Spousal insurance program (\"ABPS\") and pay the required premiums, ABPS will make: a monthly payment corresponding to 5% of the balance on your President's Choice Financial Mastercard account (\"Account\") as at the date of your or your spouse’s disability or job loss for up to 20 consecutive months in the case of disability, up to age 65 (the person must be disabled from performing any work for which they are qualified) or involuntary job loss, up to age 65 (the person must have worked at least 30 hours per week for at least 3 consecutive months with the same employer prior to their termination date); one monthly payment on the Account of 5% of your balance on the first day of hospitalization up to $500 in the event of your or your spouse’s hospitalization for more than 2 consecutive days, up to age 75; and the outstanding balance on your Account (one payment up to $15,000 maximum) upon your or your spouse’s death, accidental dismemberment or first diagnosis of a critical illness (cancer, heart attack, or stroke), up to age 75. Benefits will be paid for either the primary cardholder or the spouse, not both. In this coverage, “spouse” means the person who is legally married to the primary cardholder of the Account or, otherwise, the person who has been living in a conjugal relationship with the primary cardholder for a continuous period of at least one (1) year and who resides in the same household as the primary cardholder. A primary cardholder may only have one spouse at a time.\n\nThe cost for ABPS is $1.19 per $100 of the current month's statement balance, plus applicable taxes. For example, if the balance on your monthly statement was $300, the cost would be $3.57 plus applicable tax. You or your spouse must be gainfully employed and not self-employed to be eligible for the involuntary unemployment benefit and disability benefit; ABPS will pay benefits on an eligible claim starting on the 31st day of your or your spouse’s disability or involuntary loss of employment. Some conditions and restrictions apply. Full details of your coverage will be mailed to you in a Certificate of Insurance and an enrolment letter, which will also advise you of the effective date of insurance. Exclusions, which vary by coverage, include pregnancy, voluntary or mandatory retirement, pre-existing conditions, unemployment anticipated at the time of application or due to seasonal work, self-employment, contract work, strike or lock-out, any occurrence within 90 days of the effective date for cancer and 30 days for heart attack and stroke. All exclusions and limitations are contained in the Certificate of Insurance, which you should read carefully and keep for your own records. This insurance can be cancelled at any time.\n\nTry it risk-free: should you choose to cancel this coverage within the first 30 days of your coverage becoming effective, President's Choice Bank will refund any premiums collected and coverage will be deemed never to have been in force. Additional Account Balance Protection Insurance plan options may be available. For complete information regarding Account Balance Protection options or to cancel this insurance at any time, please call [1-866-246-7262][1] to speak with a representative. ABPS is underwritten by The Canada Life Assurance Company (Canada Life) who can be reached at [1-877-789-4182][2]. President's Choice Bank receives an administration fee from Canada Life to distribute ABPS.\n\n[1]: tel:1866246-262 \n[2]: tel:18777894182","url":"/legal-stuff/optional-product-details/","category":"AllCategory"},"f58fb747-0f9e-528a-8e3d-a23fc07d6668":{"page":"Information on powers of attorney","description":"__What is a Power of Attorney (POA)?__\nA POA is a legal document that provides someone with authority to manage your affairs, such as your finances. General information about powers of attorney can be found here.\n\n__How do I set up a POA for my President’s Choice Financial Mastercard?__\nWe ask that you mail us an original or notarized copy of the POA. You can use a power of attorney form prepared by you, your lawyer or other third party. Once we receive the document, we may require additional information about your POA or attorney and will contact you if this is the case.\n\n__What if there are issues with a POA?__\nExcept where we are prohibited by law, if there are issues with your POA or attorney, we will inform you. When we contact you, we will tell you how long our review or investigation is expected to take. If we are not able to act on your POA or your attorney’s instruction, you can escalate your concerns by following the process set out in the section “[How to resolve your concerns with President's Choice Financial][2]” on this legal stuff page. \n\n[1]: https://www.canada.ca/en/employment-social-development/corporate/seniors/forum/power-attorney-financial.html\n[2]: /legal-stuff/how-to-resolve-your-concerns-with-pc-financial","url":"/legal-stuff/information-on-powers-of-attorney/","category":"AllCategory"},"347dbcc8-8d1f-54d0-874b-93d35362cae1":{"page":"How to set up alerts and preferences","description":"Closely monitor your account by setting up alerts and preferences.","url":"/learning-hub/video-tutorials/how-to-set-up-alerts-and-preferences","category":"VideoTutorialsCategory"},"1678de80-7a5d-5871-91d6-e59ecc410f13":{"page":"How to enroll for E-statements","description":"Enroll in e-statements to get convenient access to your 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Follow these steps to reset your 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Pour poursuivre ce processus, veuillez avoir votre téléphone et votre pièce d’identité à portée de main. Vous devrez fournir une copie de votre pièce d’identité et un égoportrait ou une vidéo pour confirmer rapidement votre identité.","url":"/learning-hub/faqs/digital-id-verification/so-what-is-digital-identity-verification","category":"FAQsCategory"},"b26b50b3-5969-528b-a061-9945796597c9":{"page":"Comment puis-je obtenir les points PC OptimumMC en prime associés à l’offre de bienvenue de la carte MastercardMD Services financiers le Choix du Président?","description":"Vous pouvez consulter les détails de l’offre de bienvenue pour laquelle vous êtes admissible, notamment les achats admissibles, dans le courriel de bienvenue que vous avez reçu lorsque votre demande de carte a été approuvée. Veuillez prévoir de quatre (4) à six (6) semaines avant que les points PC OptimumMC en prime soient versés à votre compte après que vous aurez activé votre carte MastercardMD Services financiers le Choix du Président et effectué les achats admissibles.","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-get-my-pc-financial-mastercard-welcome-bonus-pc-optimum-points","category":"FAQsCategory"},"aa874969-8db1-5e3f-8bfe-499d692876cf":{"page":"En quoi consiste un compte PC ArgentMC?","description":"Le compte PC ArgentMC fonctionne comme un compte bancaire et vous récompense chaque fois que vous l’utilisez pour effectuer des achats. Accepté partout où l’on accepte la carte MastercardMD, ce compte sans frais mensuels vous offre les transactions courantes illimitées et vous récompense en vous accordant 10 points PC Optimum par dollar d’achat.","url":"/learning-hub/faqs/pc-money-account/what-is-a-pc-money-account","category":"FAQsCategory"},"e5448e75-02f4-5276-bb73-0b398dcb100a":{"page":"Quels sont les taux d’intérêt annuels associés à la carte Mastercard Services financiers le Choix du Président?","description":"Taux d’intérêt pour les achats en vigueur lorsque votre compte est approuvé : 20,97 %. Taux d’intérêt pour les avances de fonds en vigueur lorsque votre compte est approuvé : 22,97 %. Au Québec : 21,97 %. Taux promotionnel pour les transferts de solde : 0,97 % pendant 6 mois sur les transferts de solde1 effectués au cours des 90 jours suivant l’approbation du compte. Nous pouvons, suivant l’envoi d’un préavis à cet effet, remplacer le taux pour vos achats et vos avances de fonds par un taux Performance de 25,95 % pour les achats et de 27,95 % pour les avances de fonds à la suite d’une évaluation des facteurs suivants L’utilisation que vous faites de votre compte (ce qui comprend les dépassements de votre limite de crédit et les transactions de paiement refusées) ou Les rapports d’agences d’évaluation du crédit vous concernant et votre historique de crédit. Vos taux d’intérêt passeront au taux d’intérêt pour les versements en retard de 25,97 % pour les achats et de 27,97 % pour les avances de fonds dans l’une ou l’autre des situations suivantes : Vous ne payez pas votre paiement minimum au plus tard à la date d’échéance pendant deux mois consécutifs; ou Vous ne respectez pas toutes les modalités de l’entente avec le titulaire. \n\n","url":"/learning-hub/faqs/pc-mastercard-101/what-are-the-annual-interest-rates-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"b451c2d9-fd83-5a5a-96c6-bfdcdcdf872c":{"page":"Pourquoi les dépôts à mon compte PC ArgentMC s’affichent-ils comme étant des transactions en attente?","description":"Les dépôts à votre compte PC ArgentMC peuvent comporter le statut « En attente ». Ne vous inquiétez pas, tous les dépôts en attente effectués à votre compte PC ArgentMC qui ne sont pas placés en attente peuvent être utilisés pour effectuer des achats, des transferts et des paiements de factures.","url":"/learning-hub/faqs/pc-money-account-101/why-are-my-deposits-to-my-pc-money-account-showing-up-as-pending","category":"FAQsCategory"},"56722500-b748-593b-9b26-88123b693a08":{"page":"Puis-je payer mes factures d’American ExpressMD avec mon compte PC ArgentMC?","description":"Sauf pour la carte American ExpressMD de la Banque ScotiaMD, il est impossible pour le moment d’ajouter American ExpressMD à votre liste de fournisseurs dans votre compte PC ArgentMC.","url":"/learning-hub/faqs/pc-money-account-101/can-i-pay-my-american-express-bills-with-my-pc-money-account","category":"FAQsCategory"},"3263a5a2-1e6a-5de9-9974-ef8cc7c3fbfe":{"page":"Comment puis-ajouter la protection contre les découverts à mon compte PC ArgentMC?","description":"Vous pouvez ajouter la protection contre les découverts à mon compte PC ArgentMC pour jouir d’une protection supplémentaire en cas de besoin pour des urgences. La protection contre les découverts est offerte pour des utilisations occasionnelles et agit comme un filet de sécurité lorsque le solde de votre compte PC ArgentMC est négatif. Une fois que la protection contre les découverts est approuvée, vous devez d’abord ajouter des fonds à votre compte avant que vous puissiez l’utiliser. Si vous n’approvisionnez pas votre compte régulièrement, il est possible qu’une transaction qui pourrait faire en sorte que votre compte soit à découvert soit refusée, puisque le compte PC ArgentMC n’est ni une carte de crédit ni une marge de crédit.","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-add-overdraft-protection-to-my-pc-money-account","category":"FAQsCategory"},"999fc388-5093-5047-a517-7e0abdb2eb1d":{"page":"Quand et comment les 50 000 points en prime seront-ils attribués dans mon compte?","description":"Vous pouvez récolter jusqu’à 50 000 points PC OptimumMC en prime en profitant des offres associées au lancement. Voici le détail de tous les points en prime que vous pouvez récolter : Récoltez 10 000 points PC OptimumMC en prime lorsque vous effectuez votre premier d’achat de 50 $ ou plus et réglez le tout par l’entremise d’un compte PC ArgentMC valide, et ce, dans les trois (3) mois suivant l’approbation du compte. Le solde de votre compte doit être suffisant au moment de l’achat. En cas de retour de marchandises, les points PC OptimumMC en prime seront retirés de votre compte. Tous les points en prime seront versés dans votre compte PC OptimumMC dans les quatre (4) à sept (7) jours suivant une transaction admissible Limite d’une (1) offre par compte PC ArgentMC. Récoltez 10 000 points PC OptimumMC en prime lorsque vous liez le compte bancaire d’une autre institution financière à votre compte PC ArgentMC et recevez un message confirmant la vérification de votre compte externe en ligne. Les deux comptes bancaires doivent être en règle au moment où vous les liez. Les points en prime seront versés dans votre compte PC OptimumMC de quatre (4) à sept (7) jours après que les deux comptes auront été liés avec succès. Limite d’une (1) offre par client. Récoltez 1 000 points PC OptimumMC en prime pour chacun des paiements de factures de 50 $ ou plus (un maximum de cinq paiements) à des fournisseurs individuels par mois; les paiements doivent être effectués au moyen d’un compte PC ArgentMC valide. Les points en prime seront versés dans votre compte PC OptimumMC de quatre (4) à sept (7) jours après que le paiement d’un compte aura été effectué avec succès. Obtenez une prime unique de 25 000 points PC OptimumMC lorsque vous optez pour le dépôt direct de votre salaire ou de votre rente dans votre compte PC ArgentMC pour la première fois, et qu’au moins trois dépôts directs dans votre compte s’effectuent pendant trois (3) mois consécutifs suivant leur autorisation. Les points en prime seront versés dans votre compte PC OptimumMC de quatre (4) à six (6) semaines après l’exécution de votre troisième dépôt direct. Limite d’une (1) offre par compte PC ArgentMC. ","url":"/learning-hub/faqs/pc-money-account-101/how-and-when-are-the-50000-bonus-points-awarded-to-my-account","category":"FAQsCategory"},"3c512013-ba53-5ab9-8ec7-39f0a06fa9a0":{"page":"Pourquoi ne suis-je pas en mesure de me connecter à mon appareil mobile au cours du processus de confirmation numérique de l’identité?","description":"Le processus de confirmation numérique de l’identité est compatible avec les navigateurs et appareils mobiles indiqués ci-dessous. Les navigateurs pris en charge comprennent les versions les plus récentes de Chrome, Firefox, Internet Explorer, Microsoft Edge, Safari et Opera. Les versions les plus récentes d’iOS et d’Android prennent en charge le processus de confirmation numérique de l’identité sur les appareils mobiles. Veuillez noter que le processus de confirmation numérique de l’identité sur iOS et sur Android ne prend pas en charge Firefox.","url":"/learning-hub/faqs/digital-id-verification/why-cant-i-connect-to-my-mobile-device-during-the-digital-verification","category":"FAQsCategory"},"95f91ae1-6c2f-5c48-beb2-f3ba254786b6":{"page":"Ma pièce d’identité et mon égoportrait ou ma vidéo seront-elles utilisées à d’autres fins?","description":"Nous n’autorisons pas notre prestataire de services tiers Onfido à utiliser vos données personnelles à d’autres fins que la confirmation de votre identité. ","url":"/learning-hub/faqs/digital-id-verification/will-my-id-selfie-or-video-be-used-for-any-other-purposes","category":"FAQsCategory"},"5f8f2177-0d95-5575-98be-7f8975b64a31":{"page":"Puis-je télécharger une vidéo existante de moi-même?","description":"Non, au cours de ce processus et par mesure de précaution, nous vous demandons de vous filmer à l’aide de votre appareil mobile afin de vous protéger contre la fraude et le vol d’identité. ","url":"/learning-hub/faqs/digital-id-verification/can-i-upload-an-existing-video-of-myself","category":"FAQsCategory"},"56db24ba-4efb-5c6f-9c4e-c210e6d22dd9":{"page":"Puis-je photographier une photo de moi-même?","description":"Non, au cours de ce processus et par mesure de précaution, nous vous demandons de réaliser un égoportrait à l’aide de votre appareil mobile afin de vous protéger contre la fraude et le vol d’identité. ","url":"/learning-hub/faqs/digital-id-verification/can-i-take-a-photo-of-a-photo-of-myself","category":"FAQsCategory"},"585a2b14-8c5c-567e-b8b9-0bb82adba598":{"page":"Puis-je photographier la photo de ma carte d’identité?","description":"Non, au cours de ce processus et par mesure de précaution, nous vous demandons de photographier votre pièce d’identité originale à l’aide de votre appareil mobile afin de vous protéger contre la fraude et le vol d’identité. ","url":"/learning-hub/faqs/digital-id-verification/can-i-take-a-photo-of-a-photo-of-my-id","category":"FAQsCategory"},"74c3f261-16cd-5ee8-b0e1-51c01ee5318b":{"page":"Le processus de confirmation numérique de l’identité a-t-il une incidence sur ma cote de crédit?","description":"Le processus de confirmation numérique de l’identité ne comprend pas de vérification de votre solvabilité. ","url":"/learning-hub/faqs/digital-id-verification/does-the-digital-identity-verification-process-affect-my-credit-rating","category":"FAQsCategory"},"755f5c58-8ee7-5f77-8d55-c2135fce58b0":{"page":"Quelles sont les pièces d’identité délivrées par le gouvernement que vous acceptez?","description":"Voici une liste des pièces d’identité canadiennes délivrées par le gouvernement que nous acceptons dans le cadre du processus de confirmation de l’identité numérique : Un permis de conduire Une carte d’identité avec photo délivrée par une province ou un territoire Un passeport (la page sur laquelle figurent votre photo et vos renseignements personnels) ou une carte de résident permanent ","url":"/learning-hub/faqs/digital-id-verification/what-government-issued-ids-do-you-accept","category":"FAQsCategory"},"ae1228f3-758f-5422-876e-88a5871f95fe":{"page":"Une fois que j’aurai terminé le processus de confirmation numérique de l’identité, mon compte PC ArgentMC sera-t-il automatiquement ouvert?","description":"Vous devez encore vous inscrire et créer un nom d’utilisateur et un mot de passe pour ouvrir votre nouveau compte. Nous vous informerons lorsque votre compte sera prêt à être créé et que vous pourrez commencer à l’approvisionner.","url":"/learning-hub/faqs/digital-id-verification/is-my-pc-money-tm-account-automatically-open-after-i-complete-the-digital","category":"FAQsCategory"},"25cb1dd7-7b64-5c55-97ff-b8706619ae79":{"page":"Si je fais une demande de carte de crédit, ai-je la garantie d’obtenir l’approbation après avoir terminé le processus de confirmation numérique de l’identité?","description":"L’approbation d’une carte MastercardMD Services financiers le Choix du Président n’est accordée qu’après la prise en compte de plusieurs facteurs, dont celui de la confirmation numérique de l’identité. La confirmation numérique de l’identité ne constitue qu’une des étapes de la demande d’une carte MastercardMD Services financiers le Choix du Président.","url":"/learning-hub/faqs/digital-id-verification/if-i-am-applying-for-a-credit-card-am-i-guaranteed-approval-after-i-complete","category":"FAQsCategory"},"41ce114b-13de-5db4-9c2a-fa50ce7e1f45":{"page":"Que se passera-t-il une fois que j’aurai terminé le processus de confirmation numérique de l’identité?","description":"Peu de temps après que vous aurez terminé le processus de confirmation numérique de l’identité, nous vous informerons si votre demande a été approuvée ou si elle est en cours d’approbation.","url":"/learning-hub/faqs/digital-id-verification/what-happens-after-i-complete-the-digital-identity-verification-process","category":"FAQsCategory"},"2121e5e6-8027-5fe0-9524-5db1807b5d6c":{"page":"Je ne suis pas en mesure de terminer le processus de confirmation numérique de l’identité pour le moment. Quelles sont les autres options qui s’offrent à moi?","description":"Vous recevrez un courriel vous informant des autres moyens de confirmer votre identité.","url":"/learning-hub/faqs/digital-id-verification/im-not-able-to-complete-the-digital-identity-verification-process-at-this-time","category":"FAQsCategory"},"ee6c6ac5-6961-5b9f-a06e-fec84f271ceb":{"page":"Qu’advient-il des données que je fournis lors du processus de confirmation numérique d’identité avec votre prestataire de services tiers? Est-ce sûr?","description":"Il nous importe de protéger la confidentialité et la sécurité de vos renseignements. Nous conservons les données que vous fournissez à des fins de réglementation. Notre prestataire de services tiers Onfido conserve ces données pendant 90 jours. Nous exigeons d’Onfido et de tous ses prestataires de services qu’ils protègent les données d’une manière conforme à notre politique de confidentialité.","url":"/learning-hub/faqs/digital-id-verification/what-happens-to-the-data-i-provide-during-the-digital-verification-process","category":"FAQsCategory"},"6b2fe3ef-5f9f-544f-b298-86505556ee4b":{"page":"Qui est Onfido?","description":"Onfido est un prestataire tiers de confirmation d’identité reconnu à l’échelle mondiale, qui nous aide à confirmer votre identité de façon numérique à l’aide de la reconnaissance faciale de photo ou de vidéo.","url":"/learning-hub/faqs/digital-id-verification/who-is-onfido","category":"FAQsCategory"},"52662f83-90b9-59e5-9c03-b22bcf2ceb96":{"page":"Pourquoi me demande-t-on de m’auto-identifier?","description":"Nous sommes tenus de confirmer votre identité en vertu de la réglementation canadienne. La confirmation de l’identité contribue également à vous protéger et à nous protéger contre la fraude. La confirmation de votre identité au moyen de la confirmation numérique de l’identité est une façon plus rapide et plus pratique de franchir cette étape que d’attendre de trois à cinq jours ouvrables après avoir téléchargé vos documents sur notre site Web ou de confirmer votre identité dans l’un de nos kiosques PC FinanceMD.","url":"/learning-hub/faqs/digital-id-verification/why-am-i-being-asked-to-identify-myself","category":"FAQsCategory"},"962bdc6f-e432-5f0f-9cdd-a828b1def5bb":{"page":"Y a-t-il des frais associés au compte PC ArgentMC?","description":"Il n’y a aucuns frais mensuels ni annuels associés à un compte PC ArgentMC. Pour obtenir la liste des frais pouvant s’appliquer à certaines transactions ou certains services, veuillez cliquez ici.","url":"/learning-hub/faqs/pc-money-account-101/are-there-any-fees-associated-with-the-pc-money-account","category":"FAQsCategory"},"791effb2-29a3-5245-9606-ff937f0823f8":{"page":"Comment puis-je récupérer mon nom d’utilisateur en ligne?","description":"Si vous avez oublié votre nom d’utilisateur, vous pouvez le récupérer en ligne. Étapes (ordinateur) Visitez la page de connexion Pour récupérer votre nom d’utilisateur, cliquez sur Nom d’utilisateur oublié Étapes (appareil mobile) Lancez l’application mobile PC Finance Pour récupérer votre nom d’utilisateur, appuyez sur Oublié? ","url":"/learning-hub/faqs/login-help/how-do-i-recovery-my-username-online","category":"FAQsCategory"},"0132af41-7cd7-5d2b-814b-88e15bc57dfb":{"page":"Comment puis-je réinitialiser mon mot de passe en ligne?","description":"Si vous avez oublié votre mot de passe, ou encore si votre compte est bloqué, vous pouvez le réinitialiser en ligne. \n\nAvant de commencer Assurez-vous d’être dans un environnement sécurisé pour récupérer votre mot de passe ou pour le réinitialiser Assurez-vous d’avoir votre carte MastercardMD Services financiers le Choix du PrésidentMD en main Vous ne pouvez pas réutiliser d’anciens mots de passe Étapes (ordinateur) Visitez la page de connexion Pour réinitialiser votre mot de passe, cliquez sur Mot de passe oublié (n’oubliez pas d’être créatif, et suivez les instructions pour créer un mot de passe robuste!). Étapes (appareil mobile) Lancez l’application mobile PC Finance Pour réinitialiser votre mot de passe, appuyez sur Oublié? (n’oubliez pas d’être créatif, et suivez les instructions pour créer un mot de passe robuste!) ","url":"/learning-hub/faqs/login-help/how-do-i-reset-my-password-online","category":"FAQsCategory"},"4a50069d-15cb-5da6-acc5-96d0178d697b":{"page":"Comment puis-je créer un compte en ligne de Services financiers le Choix du Président?","description":"Créer un compte en ligne PC Finance est simple et rapide. Vous pourrez facilement gérer vos transactions et tous vos comptes, faire le suivi de vos récompenses et obtenir de l’aide, tout cela à portée de main. Avant de commencer Assurez-vous d’avoir votre carte Mastercard Services financiers le Choix du Président à portée de main, y compris le code de sécurité et le code postal où la carte est inscrite. Vous serez également invité à répondre à quelques questions de sécurité dynamiques. Soyez créatif — vous devrez configurer un nom d’utilisateur et un mot de passe pour votre compte. Connectez-vous au moyen du courriel avec lequel vous envisagez d’inscrire votre compte pour confirmer votre inscription et la configuration aux services bancaires en ligne. Étapes (ordinateur) Visitez la page sécurisée d’inscription des services bancaires en ligne. Remplissez les champs obligatoires du formulaire, saisissez votre numéro de carte de crédit, votre code de sécurité et votre code postal. Cliquez sur Continuer. Choisissez un nom d’utilisateur, puis cliquez sur Continuer. Définissez un mot de passe d’utilisateur, puis cliquez sur Continuer. Veuillez prendre connaissance des modalités des services bancaires en ligne et les accepter. Confirmez votre compte en cliquant sur le lien figurant dans le courriel que nous venons d’envoyer. Vous êtes désormais prêt! ","url":"/learning-hub/faqs/getting-started/how-do-i-sign-up-for-online-banking","category":"FAQsCategory"},"6e0c789d-4398-5d40-8d02-2e7e293ad61c":{"page":"En quoi consiste objectif et comment puis-je en créer un dans mon compte PC ArgentMC?","description":"La création d’un objectif vous aide à économiser en vue d’effectuer un voyage, acheter un cadeau spécial ou vous procurer un nouveau vélo. Pour réaliser votre objectif, vous pouvez faire des dépôts dans votre compte lorsque vous le souhaitez. Vous pouvez aussi configurer des transferts automatiques quotidiens, hebdomadaires ou mensuels depuis votre compte PC ArgentMC. Bien que vous ne puissiez pas utiliser l’argent accumulé dans votre compte d’objectifs pour vos transactions courantes, vous pouvez toutefois transférer l’argent économisé vers votre compte de dépenses en cas de besoin, ou facilement annuler votre compte d’objectifs lorsque vous êtes prêt à dépenser votre argent. Avant de commencer Seuls les titulaires d’un compte PC ArgentMC peuvent accéder aux objectifs. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Mes objectifs dans le tableau de bord (depuis l’application, faites glisser la fenêtre vers la gauche) Cliquez sur le bouton pour définir un nouvel objectif, puis suivez les instructions à l’écran ","url":"/learning-hub/faqs/pc-money-account-101/what-is-a-goal-account-and-how-do-i-set-one-up-in-my-pc-money-account","category":"FAQsCategory"},"232d9b02-47b4-57ec-9ed3-90c3e0e907bc":{"page":"Comment puis-je transférer des fonds dans le compte d’une autre institution financière?","description":"Vous pouvez transférer des fonds en liant un compte externe ou en vous envoyant un Virement InteracMD. Le moyen le plus rapide d’approvisionner votre compte est de vous envoyer un Virement InteracMD. Lier un compte externe peut prendre jusqu’à trois jours ouvrables. Étapes pour vous envoyer un Virement InteracMD Envoyez un Virement InteracMD depuis votre compte externe et saisissez les renseignements de votre compte PC ArgentMC. (Veuillez prendre note que si vous avez configuré la fonction de dépôt automatique avec une banque externe pour l’adresse courriel que vous utilisez, vous devrez désactiver la fonction de dépôt automatique pour recevoir les fonds dans votre compte PC ArgentMC.) Vous recevrez un message texte ou un courriel vous invitant à déposer votre Virement InteracMD. Lorsque vous recevez le message, sélectionnez votre compte PC ArgentMC. Suivez les instructions à l’écran pour déposer votre Virement InteracMD Procédure pour lier un compte externe Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez Transférer des fonds Appuyez sur Lier un compte externe et suivez les instructions à l’écran pour saisir les informations relatives au compte Attendez jusqu’à trois jours ouvrables pour que vos microdépôts apparaissent dans le compte externe que vous liez. Prenez note des montants des microdépôts Répétez les étapes 1 à 3 et confirmez les montants des microdépôts lorsqu’on vous y invite Vous verrez apparaître l’écran « Succès » pour confirmer la liaison de votre compte. ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-transfer-funds-into-my-pc-money-account-from-another-financial","category":"FAQsCategory"},"ebffd0d7-0331-5d32-844e-bdf73cd06497":{"page":"Comment puis-je utiliser la carte de mon compte PC ArgentMC en magasin et aux guichets automatiques? Dois-je choisir Crédit ou Débit à la caisse?","description":"La plupart des terminaux de cartes de crédit et lecteurs de cartes débit ne font aucune différence entre le débit et le crédit. Toutefois, s’il y a un choix à faire au moment d’utiliser la carte de votre compte PC ArgentMC, veuillez demander au commerçant de choisir « Crédit » dans son système.","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-use-the-pc-money-tm-account-card-in-store-and-at-atms","category":"FAQsCategory"},"b0b47e22-3d61-513a-9696-6d0847568990":{"page":"Comment puis-je consulter mes transactions depuis l’application PC Finance?","description":"Vous pouvez consulter jusqu’à 13 mois de transactions en vous connectant à l’application PC Finance ou accéder à votre compte en ligne par l’entremise des services bancaires numériques. Étapes (ordinateur) Connectez-vous à votre compte en ligne Cliquez sur Transactions dans la partie supérieure du menu de navigation Sélectionnez le compte des transactions que vous souhaitez consulter Étapes (application mobile) Connectez-vous à l’application mobile Glissez la fenêtre de votre compte vers la gauche ou vers la droite Appuyez sur la fenêtre pour afficher les transactions ","url":"/learning-hub/faqs/manage-accounts/how-do-i-access-my-transactions-on-the-pc-financial-app","category":"FAQsCategory"},"31f085e0-48a5-5906-84a6-89f282729f60":{"page":"Comment puis-je avoir accès à mes relevés?","description":"Vous pouvez vous inscrire en ligne pour consulter vos relevés depuis notre application mobile ou par l’entremise des services bancaires numériques. En choisissant de recevoir des relevés électroniques au lieu de relevés imprimés, vous recevrez vos relevés électroniques par l’entremise de votre compte en ligne, et ce, à la date du relevé. Étapes (ordinateur ou appareil mobile) Connectez-vous à votre compte en ligne Cliquez sur Comptes et cartes Cliquez sur Comptes et sélectionnez le compte des relevés que vous souhaitez consulter Cliquez sur Relevés électroniques ","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-access-my-statements","category":"FAQsCategory"},"e7093671-d627-5976-ba10-8cfb53fca273":{"page":"Puis-je conclure cette transaction sans confirmer mon identité?","description":"Si vous ne pouvez pas confirmer votre identité au moyen du code d’accès à usage unique transmis par message texte au numéro de téléphone mobile inscrit à votre dossier chez Services financiers le Choix du Président, vous ne pourrez pas poursuivre le processus d’achat. Vous devrez alors communiquer avec MastercardMD Services financiers le Choix du Président au 1 866 246-7262 afin d’obtenir de l’aide pour effectuer la transaction en ligne.","url":"/learning-hub/faqs/mastercard-securecode/can-i-complete-this-transaction-without-confirming-my-identity","category":"FAQsCategory"},"47795184-cbe4-5024-9cc4-a0ca6846214f":{"page":"Puis-je continuer de récolter des points PC Optimum lorsqu’il utilise sa carte Mastercard Services financiers le Choix du Président dans Google Pay?","description":"Oui, un client peut continuer de récolter des points PC Optimum pour chaque dollar d’achat porté à sa carte de fidélité et il peut échanger ses points PC Optimum. À l’heure actuelle toutefois, afin de continuer de récolter des points PC Optimum avec les offres numériques personnalisées du programme PC Optimum et les offres dans les magasins de Loblaws, vous devez balayer ou numériser un dispositif distinct PC Optimum (p. ex., votre carte du programme PC Optimum, votre porte-clé, l’application sur votre téléphone, un code-barres dans Apple Pay, une carte plastique Mastercard Services financiers le Choix du Président) AVANT de régler votre achat avec Google Pay. En conséquence, vous devrez effleurer le terminal de paiement sans contact à deux reprises pendant la transaction, une première fois pour saisir votre numéro de membre PC Optimum et une seconde fois pour saisir les informations du paiement. Si un client effleure le lecteur avec Google Pay une seule fois, le système ne reconnaîtra pas sa carte de fidélité et il ne récoltera pas ses points pour l’achat effectué.","url":"/learning-hub/faqs/mobile-wallet/can-customers-still-earn-pc-optimum-points-when-they-use-their-pc-financial-mastercard-in-google-pay","category":"FAQsCategory"},"22c40e83-4d81-557c-aacb-cfd0aa7382ee":{"page":"En tant que client de Services financiers le Choix du Président, est-ce que les modalités du programme PC Optimum s’appliquent à moi?","description":"Oui. Les clients de Services financiers le Choix du Président sont assujettis aux modalités du programme PC Optimum.","url":"/learning-hub/faqs/pc-optimum/as-a-presidents-choice-financial-customer-do-the-pc-optimum-terms-and-conditions-apply-to-me","category":"FAQsCategory"},"b7689f3b-b8ee-5081-9fea-35fbf91f63c2":{"page":"Y a-t-il des frais associés à ma carte Mastercard Services financiers le Choix du Président?","description":"Avance de fonds effectuée au Canada dans un guichet automatique ou au comptoir : 3,50 $ Avance de fonds à l’extérieur du Canada : 5 $ Frais de dépassement de la limite de crédit à la date du relevé : 29 $ (pour les résidents du Québec, à compter des relevés du 1er juillet 2019 : 0 $) Opération assimilable à une opération en espèces (frais portés au compte pour chaque virement télégraphique, mandat et chèque de voyage, de même que pour le jeu et l’achat de billets de loterie et de jetons de casino autorisés) : 1 % (minimum 5 $, maximum 10 $) Paiement ou chèque pratique refusé : 42 $ ; Copie de facture ou de relevé de compte antérieur : 10 $: 10 $ (pour les résidents du Québec, à compter du 1er juillet 2019 : 0 $) Copie de relevé de compte antérieur : 10 $ ; Chèque de remboursement de solde de crédit : 20 $ ; Transfert de solde : 1 % du montant transféré sera facturé lors d’un transfert de solde demandé 6 mois ou plus après l’approbation d’un compte. Compte inactif : si, à la date de votre relevé, votre compte affiche un solde de crédit et qu’il n’y a eu aucun mouvement dans votre compte (c’est-à-dire, aucun débit, aucun crédit, aucun intérêt ni aucuns frais) pendant les 12 derniers mois consécutifs, des frais correspondant au moindre des montants suivants seront portés à votre compte : 10 $ ou le solde de crédit.","url":"/learning-hub/faqs/pc-mastercard-101/are-there-any-fees-associated-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"f28a1898-71b3-5f2a-9599-53c890dc3137":{"page":"Comment puis-je demander la protection contre les découverts?","description":"La protection contre les découverts agit comme un filet de sécurité lorsque le solde de votre compte PC ArgentMC est négatif. La protection facultative contre les découverts vous permet de faire un emprunt temporaire jusqu’à concurrence du montant de votre limite de crédit approuvée lorsque les fonds sont insuffisants dans votre compte pour conclure une transaction. Cela peut vous permettre de conclure la transaction et d’éviter d’engager des frais pour insuffisance de fonds. Lorsque votre compte est à découvert, des frais sont facturés chaque mois en plus des frais d’intérêt sur le montant de découvert en cours. La protection contre les découverts est assujettie à une approbation de crédit; les intérêts et les frais s’appliquent uniquement lorsque vous l’utilisez. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur Cartes et comptes Choisissez votre compte PC ArgentMC Cliquez sur Protection contre les découverts Suivez les instructions à l’écran pour saisir le montant désiré de la limite de protection contre les découverts, ainsi que certaines informations supplémentaires dont nous avons besoin pour approuver votre demande Confirmez votre demande ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-apply-for-overdraft-protection","category":"FAQsCategory"},"4194b56a-bc55-57f8-a6ad-ee5292a94f51":{"page":"Comment puis-je trouver les numéros de ma succursale, de mon institution financière ou de mon compte pour programmer le dépôt direct de mon salaire ou de ma rente vers mon compte PC ArgentMC?","description":"Vous pouvez utiliser votre compte, votre succursale (transit) et votre numéro d’institution financière pour programmer vers votre compte PC ArgentMC des dépôts directs de votre salaire ou de votre rente par l’entremise de votre employeur ou de tiers. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur Cartes et comptes Choisissez votre compte PC ArgentMC Cliquez sur Renseignements bancaires Fournissez en privé vos renseignements bancaires à votre employeur ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-find-my-branch-institution-or-account-number","category":"FAQsCategory"},"75133774-1717-5516-91f1-759fec9c6572":{"page":"Est-ce que je récolte des points PC Optimum avec mon compte PC ArgentMC?","description":"Bien sûr! Votre compte compte PC ArgentMC vous permet de récolter 5 points PC Optimum ordinaires et 5 points PC Optimum en prime* pour chaque dollar d’achat, et ce, partout où l’on accepte la carte MastercardMD. N’oubliez pas de lier votre carte à votre compte PC Optimum, ce qui vous fera récolter encore plus de points dans les magasins participants grâce à vos offres personnalisées. * Récoltez 5 points PC Optimum ordinaires par dollar d’achat en plus de récolter 5 points PC Optimum en prime par dollar d’achat grâce à votre compte PC ArgentMC. La Banque le Choix du Président se réserve le droit d’annuler, de modifier ou de prolonger les taux d’accumulation des points ordinaires et des points en prime à partir du 30 septembre 2021. En cas de retour de marchandises, les points PC Optimum seront retirés de votre compte. Votre compte doit être en règle au moment de la transaction admissible et de l’attribution des points. Échange possible dans les magasins participants qui offrent les produits le Choix du Président® à partir de 10 000 points PC Optimum (ce qui équivaut à 10 $ en récompenses) ou par tranches de 10 000 points supplémentaires. Certaines restrictions s’appliquent lors de l’échange; rendez-vous sur pcoptimum.ca pour en savoir davantage ainsi que pour connaître la liste des magasins participants et les modalités du programme de fidélisation.","url":"/learning-hub/faqs/pc-money-account-101/do-i-earn-pc-optimum-points-on-my-pc-money-account","category":"FAQsCategory"},"00c36eae-37d2-5612-bab7-f5a820adc4d9":{"page":"Comment puis-je annuler un Virement InteracMD?","description":"Vous pouvez annuler un Virement InteracMD avant que votre destinataire ne le dépose à son compte en vous connectant à votre compte, à moins que le destinataire ait activé la fonction de dépôt automatique. Veuillez noter que des frais vous seront facturés pour annuler un Virement InteracMD. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez sur Virement InteracMD Cliquez sur Envoyer des fonds Cliquez sur Transactions programmées et en suspens Cliquez sur la transaction que vous souhaitez annuler Cliquez sur Annuler ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-cancel-an-interac-e-transfer","category":"FAQsCategory"},"bd0fe660-06c7-53c4-ac18-6dc0214ce8e3":{"page":"17.\tComment puis-je demander des fonds par l’entremise de Virement InteracMD?","description":"Vous pouvez facilement demander à vos amis et à votre famille d’envoyer un Virement InteracMD dans votre compte PC ArgentMC. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez sur Virement InteracMD Cliquez sur Demande des fonds Sélectionnez ou ajoutez votre contact Saisissez le montant que vous souhaitez demandez Confirmez votre Virement InteracMD Votre contact recevra la demande et pourra accepter de vous envoyer le Virement InteracMD. ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-request-money-through-interac-e-transfer","category":"FAQsCategory"},"40b17751-333a-5e27-9eb1-dcfdc9e0becd":{"page":"En quoi consiste la fonction de dépôt automatique Virement InteracMD?","description":"Lorsque la fonction de dépôt automatique Virement InteracMD est activée, l’argent que vous recevez par l’entremise de Virement InteracMD sera automatiquement déposé dans votre compte PC ArgentMC, sans que vous n’ayez à répondre à une question de sécurité. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez sur Virement InteracMD Cliquez sur Gérer les dépôts automatiques Saisissez l’adresse courriel ou le numéro de téléphone que vos amis et votre famille utilisent pour vous envoyer un Virement InteracMD Confirmez le compte dans lequel déposer les fonds Interac vous enverra un courriel ou un message texte pour confirmer votre dépôt automatique. Cliquez sur le lien pour confirmer votre adresse courriel ou votre numéro de téléphone mobile. ","url":"/learning-hub/faqs/pc-money-account-101/what-is-interac-e-transfer-autodeposit","category":"FAQsCategory"},"7a1a8615-d47f-5b3c-8b7a-7ee5c1a6504a":{"page":"Comment puis-je effectuer un Virement InteracMD?","description":"Envoyez facilement un Virement InteracMD à vos amis et à votre famille depuis votre compte PC ArgentMC. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez sur Virement InteracMD Cliquez Envoyer des fonds Sélectionnez ou ajoutez votre contact Saisissez le montant que vous souhaitez envoyer Confirmez vos renseignements ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-send-an-interac-e-transfer","category":"FAQsCategory"},"4ecdc3ac-6bc2-58aa-9d74-9197dfca6e2a":{"page":"Où puis-je trouver l’entente avec le titulaire de compte PC ArgentMC et les renseignements juridiques?","description":"Vous pouvez accéder à vos documents juridiques importants dans le centre de notifications de votre compte en ligne, ainsi qu’aux informations juridiques générales dans la section Mentions légales et confidentialité de notre site Web. Si vous avez supprimé votre notification, vous pouvez consulter la plus récente convention bancaire associée au compte PC ArgentMC\nici. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur l’icône représentant une cloche pour accéder au centre de notifications Faites défiler l’écran jusqu’à ce qu’apparaisse une notification de bienvenue, puis cliquez sur le message pour accéder à vos documents juridiques. ","url":"/learning-hub/faqs/pc-money-account-101/how-can-i-access-my-pc-money-account-agreement-and-legal-information","category":"FAQsCategory"},"ef7e3579-a2e3-57dd-aedd-9c4b133ce0b0":{"page":"Comment puis-je déposer un chèque?","description":"Malheureusement, il est impossible de déposer des chèques dans votre compte PC ArgentMC pour le moment.","url":"/learning-hub/faqs/pc-money-account-101/how-can-i-deposit-a-cheque","category":"FAQsCategory"},"b031a0f7-5a3b-5aac-a72b-1424dc6066e0":{"page":"Comment puis-je commander des chèques?","description":"Comment puis-je commander des chèques?","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-order-cheques","category":"FAQsCategory"},"09a3ae2b-c5f2-5dce-b82a-cb6b2be9b22a":{"page":"Puis-je déposer ou retirer des fonds dans un guichet automatique?","description":"Vous pouvez retirer des fonds de votre compte PC ArgentMC sans frais dans l’un de nos nombreux guichets automatiques. Vous pouvez également retirer des fonds d’un guichet automatique tiers, sous réserve de frais (voir le barème des frais). Vous devrez choisir Carte de crédit dans les options des cartes. Il est possible que l’exploitant du guichet bancaire vous facture des frais pour votre transaction. À l’heure actuelle, il est impossible de déposer de l’argent comptant ou des chèques dans votre compte PC ArgentMC. Pour consulter les modalités associées à votre compte, veuillez vous reporter à votre Convention de compte bancaire.","url":"/learning-hub/faqs/pc-money-account-101/can-i-deposit-and-withdraw-cash-from-an-atm","category":"FAQsCategory"},"5066f703-193a-50f7-9987-21d833927b13":{"page":"Avec quel navigateur dois-je utiliser le service MastercardMD SecureCodeMC?","description":"Le service MastercardMD SecureCodeMC fonctionne le mieux avec Microsoft Internet Explorer 8.0 ou une version ultérieure, Chrome 42 ou une version ultérieure, ainsi que Firefox 37 ou une version ultérieure. Si vous utilisez un navigateur différent et que vous avez besoin d’assistance, veuillez contacter Mastercard Services financiers le Choix du Président au 1 866 246 7262.\n\n","url":"/learning-hub/faqs/mastercard-securecode/what-browser-do-i-need-to-use-mastercard-securecode-service","category":"FAQsCategory"},"85b5f7b1-d63a-5c71-a9cf-dd09e7331ee9":{"page":"Est-ce que le service MastercardMD SecureCodeMC entraîne des frais?","description":"Non, l’utilisation du service MastercardMD SecureCodeMC est gratuite.","url":"/learning-hub/faqs/mastercard-securecode/does-mastercard-securecode-service-cost-me-anything","category":"FAQsCategory"},"c8823d06-a384-5ab9-bbd7-82a01edc1f60":{"page":"Pourquoi l’écran du service MastercardMD SecureCodeMC apparaît-il?","description":"Lorsque vous magasinez en ligne chez un marchand participant au service MastercardMD SecureCodeMC et que la transaction semble inhabituelle ou susceptible de représenter un risque élevé par rapport à vos habitudes d’achat, vous pourriez voir un message vous demandant de transmettre un code d’accès à usage unique de vérification. Une fois que vous aurez saisi correctement le code d’accès à usage unique de vérification et que nous aurons confirmé votre identité, vous pourrez poursuivre le processus d’achat.","url":"/learning-hub/faqs/mastercard-securecode/why-am-i-seeing-this-mastercard-securecode-screen","category":"FAQsCategory"},"a5cb7d43-477f-5d9f-8feb-bda2b241433d":{"page":"Puis-je effectuer des achats chez un marchand qui accepte la carte Mastercard, mais qui n’adhère pas au service MastercardMD SecureCodeMC?","description":"Oui, mais vous ne verrez pas le message vous demandant de confirmer le code d’accès à usage unique au cours du processus d’achat en ligne chez ces marchands.","url":"/learning-hub/faqs/mastercard-securecode/will-i-be-able-to-purchase-at-merchants-that-accept-mastercard-but-do-not-participate-in-the-mastercard-securecode-service","category":"FAQsCategory"},"5f761c80-3464-5e67-b17d-182aafc0d021":{"page":"Quelle est l’incidence du service MastercardMD SecureCodeMC sur mon achat?","description":"Outre la sécurité accrue du service MastercardMD SecureCodeMC, la seule incidence sur votre achat consiste au fait que vous devrez confirmer le code d’accès à usage unique transmis par message texte au numéro de téléphone mobile inscrit à votre dossier chez Services financiers le Choix du Président lorsque le message s’affiche, puis attendre quelques secondes pendant que Mastercard Services financiers le Choix du Président confirme votre identité.","url":"/learning-hub/faqs/mastercard-securecode/how-will-mastercard-securecode-impact-my-purchase","category":"FAQsCategory"},"94f0067c-49cf-50a9-b159-04d17bea636a":{"page":"De quelle façon le service MastercardMD SecureCodeMC me protège-t-il?","description":"Lorsque vous confirmez le code d’accès à usage unique pendant le processus d’achat chez un marchand en ligne participant, MastercardMD Services financiers le Choix du Président confirme que vous êtes bien le titulaire autorisé pour ce compte et la transaction peut alors se poursuivre. Si vous ne saisissez pas correctement le code d’accès à usage unique, la transaction sera refusée. Ainsi, même si une personne connaît votre numéro de carte, elle ne peut pas utiliser votre compte pour effectuer une transaction chez ce commerçant.","url":"/learning-hub/faqs/mastercard-securecode/how-does-mastercard-securecode-protect-me","category":"FAQsCategory"},"2576e721-2acc-56ef-8188-a72e6305001a":{"page":"Comment fonctionne le service MastercardMD SecureCodeMC?","description":"Au moment d’effectuer un achat chez un marchand en ligne participant, vous pourriez voir un message automatique vous demandant de saisir un code d’accès à usage unique qui vous est transmis par message texte au numéro de téléphone mobile inscrit à votre dossier chez Services financiers le Choix du Président. Lorsque vous répondez correctement aux questions de sécurité, Mastercard Services financiers le Choix du Président confirme que vous êtes bien le titulaire de carte autorisé pour ce compte, et le processus d’achat peut alors se poursuivre.","url":"/learning-hub/faqs/mastercard-securecode/how-does-mastercard-securecode-work","category":"FAQsCategory"},"2f616c92-c22e-5c24-a461-452f7a7b4fa3":{"page":"En quoi consiste le service MastercardMD SecureCodeMC?","description":"MastercardMD SecureCodeMC ajoute une couche supplémentaire de protection visant à confirmer votre identité au moyen d’un code d’accès à usage unique de vérification qui vous est transmis par message texte au numéro de téléphone mobile inscrit à votre dossier chez Services financiers le Choix du Président, en cas de transactions inhabituelles ou susceptibles de représenter un risque élevé. MastercardMD SecureCodeMC vous protège davantage et vous permet d’avoir l’esprit tranquille lorsque vous effectuez des achats chez les marchands en ligne participants.","url":"/learning-hub/faqs/mastercard-securecode/what-is-mastercard-securecode","category":"FAQsCategory"},"18368280-3158-59fe-9993-de0debf084c6":{"page":"Dois-je payer mon solde de protection contre les découverts à temps? Que se passe-t-il si j’omets d’effectuer un paiement?","description":"Lorsque vous avez dépassé la limite de la protection contre les découverts, vous devez payer le solde à découvert le plus rapidement possible. Si vous omettez d’effectuer un paiement, des intérêts vous seront facturés sur votre solde à découvert, et des frais supplémentaires pourraient vous être facturés si le compte est toujours à découvert le mois suivant. Vous pouvez payer votre solde à découvert en approvisionnant votre compte au moyen d’un Virement InteracMD ou par l’intermédiaire d’un compte bancaire que vous avez lié. Étapes pour envoyer un Virement InteracMD à vous-même Envoyez un Virement InteracMD depuis votre institution financière externe, en saisissant vos renseignements bancaires Lorsque vous recevez un message texte ou un courriel pour déposer votre Virement InteracMD, sélectionnez votre compte Services financiers le Choix du Président Suivez les instructions à l’écran pour déposer votre Virement InteracMD Étapes pour lier un compte externe Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez sur Transférer des fonds Cliquez sur Lier un compte externe et suivez les instructions à l’écran pour saisir les renseignements bancaires Vos microdépôts prendront jusqu’à trois jours ouvrables avant de figurer dans votre compte lié Suivez les mêmes étapes pour afficher et vérifier votre compte ","url":"/learning-hub/faqs/managing-your-account/should-i-pay-off-my-overdraft-protection-balance-on-time","category":"FAQsCategory"},"141a50e7-f887-5861-ae16-79eed6a09aeb":{"page":"Puis-je modifier ou supprimer ma limite de protection contre les découverts?","description":"Vous avez besoin d’une protection contre les découverts inférieure ou supérieure pour votre compte PC ArgentMC? Vous pouvez demander une augmentation ou une diminution de votre limite ou supprimer la protection contre les découverts associée à votre compte. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur Cartes et comptes Choisissez votre compte PC ArgentMC Cliquez sur Protection contre les découverts Suivez les instructions à l’écran pour saisir le nouveau montant souhaité. Pour supprimer la protection contre les découverts, saisissez 0 $ Confirmez votre demande ","url":"/learning-hub/faqs/managing-your-account/can-i-change-or-remove-my-overdraft-protection-limit","category":"FAQsCategory"},"6361195c-c7e4-5a62-bf71-ae761eaa31aa":{"page":"Combien de temps faut-il pour qu’une transaction en attente soit imputée à mon compte?","description":"Les transactions en attente prennent généralement jusqu’à trois jours ouvrables avant d’être imputées à votre compte PC ArgentMC.","url":"/learning-hub/faqs/managing-your-account/how-long-does-it-take-for-a-pending-transaction-to-post-to-my-account","category":"FAQsCategory"},"160045a3-e774-51a5-8c51-4fb038c454b2":{"page":"Comment puis-je configurer un paiement préautorisé avec mon compte PC ArgentMC?","description":"Vous pouvez configurer des paiements préautorisés pour une date ultérieure en fournissant à un commerçant votre numéro de carte ou toutes les informations concernant votre compte. Étapes Pour accéder à vos renseignements bancaires Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur Cartes et comptes Choisissez votre compte PC ArgentMC Cliquez sur Renseignements bancaires Fournissez en privé vos renseignements bancaires au commerçant ","url":"/learning-hub/faqs/managing-your-account/how-do-i-set-up-a-pre-authorized-payments-with-my-pc-money-account","category":"FAQsCategory"},"db9290b4-8904-5bea-a9f0-1460e5b5a6bf":{"page":"Puis-je télécharger les transactions de ma carte MastercardMD Services financiers le Choix du Président dans un format de fichier utilisable avec un logiciel externe?","description":"Pour vous faciliter la tâche, vous pouvez exporter la liste des transactions de votre carte MastercardMD Services financiers le Choix du Président dans un fichier .csv qui peut s’utiliser avec un tableur standard. À l’heure actuelle, les formats de fichiers pour logiciels de gestion financière de fournisseurs externes ne sont pas supportés, mais nous poursuivons nos efforts pour améliorer l’expérience client.","url":"/learning-hub/faqs/managing-your-account/can-i-download-my-pc-financial-mastercard-transactions-to-a-file-that-can-be-used-with-third-party-software","category":"FAQsCategory"},"9ff629c2-3965-5a7c-8297-356059df9a66":{"page":"Puis-je demander des chèques pratiques pour mon compte Mastercard Services financiers le Choix du Président?","description":"Oui, vous pouvez commander une série de 10 chèques pratiques en tout temps. Il suffit de vous connecter à votre compte en ligne de Services financiers le Choix du Président, puis demander une série de chèques pratiques en allant sous Paramètres, Chèques pratiques. Vous recevrez vos chèques dans un délai de 7 à 10 jours ouvrables. Cliquez ici pour procéder.","url":"/learning-hub/faqs/managing-your-account/can-i-request-convenience-cheques-for-my-presidents-choice-financial-mastercard-account","category":"FAQsCategory"},"d5ec1f9e-7489-5cda-8027-95f8797fb26a":{"page":"En quoi consiste la vérification en deux étapes?","description":"La vérification en deux étapes est un moyen par lequel Services financiers le Choix du Président offre une mesure de sécurité supplémentaire permettant de s’assurer que vous êtes bien la personne qui accède à votre compte. Vous devrez définir les questions à l’égard de la vérification en deux étapes lorsque vous ouvrirez un compte en ligne de Services financiers le Choix du Président. Un code remplacera les questions de vérification personnelles et vous sera transmis par courriel, par message texte ou par téléphone.","url":"/learning-hub/faqs/managing-your-account/what-is-a-2-step-verification","category":"FAQsCategory"},"17d58e62-278b-5a3f-9bac-38d3ef7af23b":{"page":"Comment puis-je changer le pseudonyme de mon compte?","description":"Vous pouvez changer votre pseudonyme par l’entremise de votre compte en ligne Services financiers le Choix du Président. Une fois connecté, allez à Comptes et cartes. Assurez-vous d’avoir basculé à Comptes, puis choisissez le compte pour lequel vous souhaitez faire changer le pseudonyme. Choisissez Pseudonyme pour changer le pseudonyme de ce compte.","url":"/learning-hub/faqs/managing-your-account/how-do-i-change-my-account-nickname","category":"FAQsCategory"},"23826009-dcb6-5966-b003-6fe1dd98e0d6":{"page":"Comment puis-je protéger mon NIP?","description":"Votre numéro d’identification personnel (NIP) est extrêmement important. Vous devez mémoriser votre NIP et ne jamais le divulguer à quiconque. Votre NIP doit être facile à mémoriser sans que quelqu’un d’autre puisse le deviner facilement. N’écrivez pas votre NIP sur une feuille et ne l’enregistrez pas dans un fichier électronique. Ne divulguez jamais votre NIP à quiconque, y compris lors de transactions effectuées par téléphone ou en ligne, ou à l’intérieur d’un courriel. Protégez votre NIP. Bloquez la vue du clavier avec votre corps ou vos mains lorsque vous entrez votre NIP dans un lecteur. ","url":"/learning-hub/faqs/managing-your-account/how-do-i-protect-the-security-of-my-pin","category":"FAQsCategory"},"d60b20a6-0164-55bd-b239-872a21a18fe9":{"page":"J’ai transmis une demande en ligne. Quand vais-je recevoir une réponse?","description":"Nous répondrons à votre demande d’ici 48 heures. Vous verrez une notification dans le centre de messagerie confirmant l’une des trois situations suivantes : votre demande a été traitée, le statut de la demande a été mis à jour ou nos représentants du service à la clientèle vous ont envoyé un message demandant plus de renseignements ou confirmant les détails de la demande. \n\nVous pouvez consulter vos messages en vous connectant à votre compte en ligne Services financiers le Choix du Président. \n\nEn ligne\nAllez dans les paramètres de votre profil en cliquant sur la photo de votre profil (ou sur l’image dans l’espace réservé si vous n’avez pas encore téléversé votre photo) figurant dans le coin supérieur droit de l’écran. Choisissez Soutien et allez à Centre de messagerie pour consulter vos messages. \n\nDans l’application mobile\nAllez dans les paramètres de votre profil en cliquant sur le bouton Plus (le dernier bouton de la dernière rangée avec 4 points). Choisissez Soutien et allez à Centre de messagerie pour consulter vos messages.","url":"/learning-hub/faqs/managing-your-account/ive-submitted-an-online-request-when-will-my-request-be-completed","category":"FAQsCategory"},"ae23d4b7-2885-5b18-b75b-1a2757fe9b20":{"page":"Comment puis-je gérer mes utilisateurs autorisés avec mon compte en ligne?","description":"Vous pouvez ajouter et gérer les utilisateurs autorisés associés à votre carte de crédit par l’entremise de votre compte en ligne Services financiers le Choix du Président sur un ordinateur ou dans l’application mobile. \n \n Une fois connecté, allez à Comptes et cartes. Assurez-vous d’avoir basculé à Comptes, puis choisissez le compte auquel vous souhaitez associer des utilisateurs autorisés.\n \n Veuillez noter que vous devez appeler au 1 866 246-7262 pour supprimer un utilisateur autorisé.\n \n Remarque : L’utilisateur autorisé ne verra pas le nom que vous avez assigné à sa carte, même s’il dispose d’un compte en ligne.","url":"/learning-hub/faqs/managing-your-account/how-can-i-manage-my-authorized-users-in-my-online-account","category":"FAQsCategory"},"bea4b9cf-6bc0-57f1-8f45-9dbed0fd014d":{"page":"Les utilisateurs autorisés ont-ils également accès à mon compte en ligne et peuvent-ils le gérer?","description":"Vos utilisateurs autorisés peuvent ouvrir leur propre compte en ligne et ont accès à certains renseignements, notamment sur les transactions, les soldes, le crédit disponible, l’état de compte et les détails des paiements. Toutefois, ils ne peuvent pas gérer votre compte ou y apporter des changements; seul le titulaire de carte principal dispose de ces droits. \n\nChaque utilisateur autorisé peut gérer son profil en ligne et s’inscrire aux alertes.","url":"/learning-hub/faqs/managing-your-account/can-my-authorized-user-have-access-and-manage-my-account-online-too","category":"FAQsCategory"},"7c04af7f-175a-54e7-b128-696d9c308ee9":{"page":"Comment puis-je régler mes différends avec Services financiers le Choix du Président?","description":"La Banque le Choix du Président s’engage à régler les plaintes des clients de façon équitable dès que possible. Nous apprécions les commentaires de nos clients, et vous invitons à communiquer avec nous pour formuler vos plaintes afin de nous donner l’opportunité de résoudre vos problèmes. Si vous avez une plainte à formuler, veuillez suivre les étapes qui suivent.\n\nÉtape 1 : \nVeuillez communiquer avec notre service à la clientèle en composant le 1 866 246-7262, et l’un de nos agents vous aidera à régler votre problème.\n\nÉtape 2 : \nSi le problème ne se règle pas à votre satisfaction, vous pouvez alors vous adresser à l’équipe de la direction des services aux clients de la Banque le Choix du Président. Vous pouvez utiliser deux méthodes pour communiquer avec l’équipe de direction des services aux clients :\nPar téléphone : 1 866 822-8775\nPar courriel : serviceclient@pcbank.ca\n\nÉtape 3 :\nSi vous n’êtes pas satisfait de la décision de l’équipe de la direction des services aux clients de la Banque le Choix du Président, vous pouvez communiquer direcement avec l’ombudsman de la Banque le Choix du Président par courriel à l’adresse ombudsman@pcbank.ca ou par la poste à l’adresse suivante : Ombudsman de la Banque le Choix du Président, 25, rue York, C.P. 201, 7e étage, Toronto (Ontario) M5J 2V5.\n\nVeuillez noter que l’ombudsman ne pourra accepter votre demande d’examen indépendant que si vous avez franchi les étapes 1 et 2, que votre cas a déjà été communiqué à l’équipe de la direction des services aux clients de la Banque le Choix du Président et que vous n’êtes pas satisfait du résultat. Sinon, votre cas sera retourné à l’équipe de la direction des services aux clients de la Banque le Choix du Président aux fins d’examen avant que l’ombudsman intervienne.\n\nSi vous n’êtes pas satisfait par la décision de l’ombudsman de la Banque le Choix du Président, nous vous invitons à communiquer avec l’Ombudsman des services bancaires et d’investissement (OSBI). Cet organisme indépendant de la Banque le Choix du Président effectue des enquêtes sur les plaintes déposées par les clients. Vous pouvez joindre l’OBSI par téléphone au 1 888 451-4519, par télécopieur au 1 888 422-2865, par courriel à l’adresse ombudsman@obsi.ca, ou par la poste à l’adresse suivante : Ombudsman des services bancaires et d’investissement, 401 rue Bay Street, Bureau 1505, C.P. 5, Toronto (Ontario) M5H 2Y4. Vous pouvez aussi consulter le site Web de l’OBSI sur www.obsi.ca.\n\nL’Agence de consommation en matière financière du Canada (ACFC) supervise les institutions financières fédérales, comme la Banque le Choix du Président. Si vous souhaitez déposer une plainte concernant une infraction éventuelle aux lois fédérales en matière de protection des droits des consommateurs, vous pouvez communiquer par écrit avec l’ACFC aux adresses suivantes : Agence de la consommation en matière financière du Canada, 427 avenue Laurier Ouest, 6e étage, Ottawa (Ontario) K1R 1B9 ou sur www.fcac-acfc.gc.ca. L’ACFC se chargera de déterminer si l’institution financière a agi en conformité avec la loi. L’ACFC ne se charge pas, toutefois, de régler les plaintes individuelles de consommateurs.\n\nVous pouvez consulter le rapport annuel du Bureau de l’ombudsman de la Banque le Choix du Président ici.","url":"/learning-hub/faqs/managing-your-account/how-can-i-resolve-my-concerns-with-presidents-choice-financial","category":"FAQsCategory"},"107e41df-d1ce-51f7-a43b-d79f47a6a755":{"page":"Quel est le paiement minimum pour ma carte Mastercard Services financiers le Choix du Président?","description":"Tout montant en retard, plus : le solde de votre relevé s’il est de 10 $ ou moins, ou le plus élevé des montants suivants : (a) 10 $, (b) 2,2 % du solde de votre relevé courant, (5 % pour les nouveaux comptes émis à des résidents du Québec à compter du 1er juillet 2019), ou (c) les frais d’intérêt et les frais facturés sur le relevé courant, plus 1 $.","url":"/learning-hub/faqs/managing-your-account/what-is-the-minimum-payment-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"e9b3df9d-f146-50a4-83ca-943f8643fec7":{"page":"À quelle fréquence dois-je effectuer des paiements à mon compte Mastercard Services financiers le Choix du Président?","description":"S’il y a un solde à votre compte, vous recevrez des relevés mensuels en ligne ou par la poste, selon les préférences que vous aurez indiquées dans votre compte. Vous devez effectuer au moins le paiement minimum au plus tard à la date d’échéance indiquée sur votre relevé de compte. Seuls les paiements en devise canadienne sont acceptés.\n\nSi vous omettez d’effectuer votre paiement minimum pendant deux périodes de facturation consécutives, le taux par défaut sur les paiements en retard s’appliquera à l’intégralité de votre solde. Veuillez consulter la section intitulée « compte en règle » de l’entente avec le titulaire pour en savoir davantage.","url":"/learning-hub/faqs/managing-your-account/how-often-do-i-have-to-make-a-payment-on-my-presidents-choice-financial-mastercard-account","category":"FAQsCategory"},"7129db69-b4f3-58b2-922f-4e7b95db953d":{"page":"Comment puis-je changer le NIP de ma carte Mastercard Services financiers le Choix du Président?","description":"Rien de plus simple! Vous pouvez changer votre NIP en ligne. Il suffit de vous connecter à votre compte et de mettre votre NIP (numéro d’identification personnel) à jour dans la partie Gestion de cartes de la barre de navigation. Vous pouvez communiquer avec le service à la clientèle au numéro de téléphone figurant au verso de votre carte. Lorsque vous changez votre NIP, assurez-vous de ne pas choisir des numéros faciles à identifier, comme votre date de naissance ou une partie de votre numéro de téléphone. De plus, ne divulguez pas votre NIP à quiconque.","url":"/learning-hub/faqs/managing-your-account/how-do-i-change-my-pin-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"aff8d467-bcc6-536c-bddc-db9a6fa84378":{"page":"Puis-je demander une augmentation ou une diminution de ma limite de crédit?","description":"Vous pouvez demander une augmentation ou une diminution de votre limite de crédit par l’entremise de votre compte en ligne Services financiers le Choix du Président. \n \n Une fois connecté, allez à Comptes et cartes. Assurez-vous d’avoir basculé à Comptes, puis choisissez le compte pour lequel vous souhaitez faire modifier la limite de crédit. Cliquez sur le bouton Limite de crédit, puis suivez les directives à l’écran pour modifier votre limite de crédit.","url":"/learning-hub/faqs/managing-your-account/can-i-request-a-credit-limit-increase-or-decrease","category":"FAQsCategory"},"508d5668-7a8c-59bb-9c03-90da0c461d8d":{"page":"Que dois-je faire si ma carte Mastercard Services financiers le Choix du Président est endommagée et a besoin d’être remplacée?","description":"Vous pouvez demander une nouvelle carte. Il suffit de vous connecter à votre compte en ligne de Services financiers le Choix du Président, puis aller sous Paramètres, Remplacement d’une carte. Vous devriez recevoir votre nouvelle carte d’ici 10 jours ouvrables. Veuillez noter que le fait de demander une nouvelle carte désactive immédiatement votre ancienne carte. Cliquez ici pour procéder.","url":"/learning-hub/faqs/managing-your-account/what-do-i-do-if-i-damaged-my-presidents-choice-financial-mastercard-and-need-a-new-one","category":"FAQsCategory"},"6d9f46be-154d-55f1-b227-f804da1aa6c2":{"page":"Puis-je désactiver ma carte Mastercard Services financiers le Choix du Président temporairement?","description":"Oui, vous pouvez désactiver votre carte temporairement sans toutefois la remplacer. \n\nPour désactiver une carte temporairement en ligne :\nVous pouvez désactiver votre carte si vous l’avez égarée temporairement et ne souhaitez pas changer de numéro de compte ni en signaler la perte ou le vol. Une fois votre carte désactivée, il est facile de la réactiver en ligne.\n\nLorsque vous désactivez votre carte, vous ne pouvez effectuer aucun nouvel achat (en magasin, en ligne ou par téléphone) ni effectuer de retraits de fonds. Vous pouvez toujours transférer des fonds, payer des factures, payer des frais et des intérêts sur les découverts, ainsi qu’échanger des récompenses,. Il est possible que certaines transactions puissent toujours passer lorsque vous désactivez votre carte.\n\nPour désactiver votre carte par l’entremise de votre compte en ligne Services financiers le Choix du Président : Une fois connecté, allez à Comptes et cartes. Assurez-vous d’avoir basculé à Cartes, puis choisissez la carte que vous souhaitez désactiver. Cliquez sur le bouton Désactiver une carte, puis suivez directives à l’écran.","url":"/learning-hub/faqs/managing-your-account/can-i-temporarily-lock-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"23785636-3747-5b48-a464-cb6695414e94":{"page":"Que dois-je faire en cas de perte ou de vol de ma carte Mastercard Services financiers le Choix du Président, ou si elle est endommagée?","description":"Vous pouvez signaler votre carte comme étant perdue, volée ou endommagée depuis votre compte en ligne. Si vous avez perdu votre carte ou si l’on vous l’a volée, nous verrouillerons votre carte et vous en enverrons une nouvelle. Si votre carte a été endommagée et que vous l’avez encore en votre possession, nous vous enverrons une nouvelle carte. Vous pouvez continuer à utiliser votre carte en attendant. Étapes (ordinateur ou appareil mobile) Connectez-vous à votre compte en ligne Cliquez sur Comptes et cartes Cliquez sur Cartes Cliquez sur Carte perdue ou endommagée si vous avez toujours votre carte en main, mais que vous avez besoin d’une nouvelle carte Cliquez sur Carte perdue ou volée si vous n’avez plus votre carte en main Suivez les instructions à l’écran pour finaliser votre demande. ","url":"/learning-hub/faqs/managing-your-account/what-should-i-do-if-my-card-is-lost-stolen-or-damaged","category":"FAQsCategory"},"48a5075a-baba-5b59-aaf9-c09813e45a2d":{"page":"Comment puis-je gérer les paramètres de notifications et de communications de mon compte en ligne Services financiers le Choix du Président?","description":"Vous pouvez gérer vos paramètres de notifications et de communications par l’entremise de votre compte en ligne Services financiers le Choix du Président.\n\nEn ligne\nAllez dans les paramètres de votre profil en cliquant sur la photo de votre profil (ou sur l’image dans l’espace réservé si vous n’avez pas encore téléversé votre photo) figurant dans le coin supérieur droit de l’écran. Choisissez Préférences pour les notifications. \n\nDans l’application mobile\nAllez dans les paramètres de votre profil en cliquant sur le bouton Plus (le dernier bouton de la dernière rangée avec 4 points). Choisissez Préférences pour les notifications. Assurez-vous d’avoir choisi le bon compte en vérifiant dans le menu déroulant et au haut de l’écran.","url":"/learning-hub/faqs/managing-your-account/how-do-i-manage-my-pc-financial-online-account-notification-or-communication-preferences","category":"FAQsCategory"},"5c77ce93-83cb-59d7-8430-4682223fc03e":{"page":"Comment puis-je me connecter pour la première fois?","description":"Vous devrez franchir quelques étapes lors de votre première connexion à notre nouveau site Web : Connectez-vous en indiquant votre nom d’utilisateur actuel et votre mot de passe.\nVérifiez votre numéro de compte, les détails de votre carte et vos renseignements personnels.\nConfirmez votre courriel.\nConfirmez votre nom d’utilisateur ou créez-en un.\nCréez votre nouveau mot de passe. Votre mot de passe doit comporter un minimum de 10 caractères, comprendre des lettres en majuscule et en minuscule, un chiffre et un symbole. Votre mot de passe ne peut comprendre aucune partie de votre nom d’utilisateur.\nAcceptez les modalités.\nConfigurez la validation en deux étapes. Il s’agit du canal de communication auquel votre code de vérification secondaire sera transmis, vous offrant ainsi une protection supplémentaire lorsque cela est nécessaire.\nFacultatif : vous pouvez également ajouter votre ordinateur comme appareil fiable. \n\n","url":"/learning-hub/faqs/managing-your-account/how-do-i-sign-in-for-the-first-time","category":"FAQsCategory"},"97c38e2a-69ae-5e12-83cc-905a685db0e1":{"page":"Quelles caractéristiques sont comprises avec un compte en ligne Mastercard Services financiers le Choix du Président?","description":"Voici quelques caractéristiques comprises avec un compte en ligne : Un tableau de bord personnalisé donnant facilement accès au solde de votre compte, au crédit disponible, aux dates d’échéance de vos paiements, et plus encore; La possibilité de rechercher des transactions, de les trier et de les filtrer; Un accès à vos relevés électroniques; La possibilité de programmer des avis de voyage; L’ajout d’utilisateurs autorisés à votre compte; La mise à jour de votre NIP; Un service à la clientèle et du soutien; et bien plus encore... ","url":"/learning-hub/faqs/managing-your-account/what-features-are-included-with-a-pc-financial-mastercard-online-account","category":"FAQsCategory"},"dc502b3a-98c5-5e9e-aba0-d713e07075ee":{"page":"Que faire après avoir déposé une plainte concernant une transaction?","description":"Si vous avez déposé une plainte en utilisant votre compte en ligne Mastercard Services financiers le Choix du Président, veuillez faire parvenir vos pièces justificatives par courriel à notre équipe de règlement de différends à l’adresse suivante :\n\ndocuments@pcmastercard.ca \n\nSi vous avez parlé à un spécialiste en règlement de différends et avez demandé que l’on vous poste un formulaire de plainte, veuillez remplir les renseignements demandés, attacher les pièces justificatives et les faire parvenir par courriel à l’adresse suivante :\n\ndocuments@pcmastercard.ca\n\nVous pouvez également poster vos documents à l’adresse suivante : \n \nMastercard Services financiers le Choix du Président\nC.P. 4403, Succursale A, Bureau 5115\nToronto, ON M5W 5Y4\na/s du service de la facturation\n\nVous pouvez aussi envoyer vos documents par télécopieur au 1 866 271-7262 \n \nSi nous avons besoin de renseignements supplémentaires, nous communiquerons avec vous. Prenez note que Mastercard Services financiers le Choix du Président doit se conformer aux règles et règlements de Mastercard, en plus de devoir respecter les délais établis par Mastercard.\n\nAu cours du processus de traitement d’un remboursement, un crédit temporaire sera imputé à votre compte à l’égard de la transaction contestée. Aucun intérêt n’est facturé sur une transaction contestée pendant une enquête. Si vous réglez le solde entier de votre relevé, vous pouvez déduire le montant contesté de votre versement si vous le souhaitez, tout en profitant de la période de grâce sans intérêt pour les nouveaux achats qui figurent pour la première fois sur un relevé.\n\nLes commerçants peuvent faire valoir des objections, ce qui peut prendre jusqu’à 45 jours. Si un commerçant nous fait parvenir ses objections et que nous avons besoin de renseignements supplémentaires, notre service de règlement de différends vous contactera par téléphone ou par courrier. Nous vous contacterons uniquement en cas de besoin de renseignements supplémentaires.\n\nProtégez-vous des activités frauduleuses \n\nVoici quelques conseils pratiques à garder en tête qui permettent de vous protéger : Lorsque vous magasinez sur le Web, assurez-vous de voir les lettres « HTTPS » dans la barre d’adresses du site, ce qui indique que le site est sécurisé. Avant de fournir des renseignements personnels, comme le numéro de votre carte de crédit et vos coordonnées, lisez toujours les modalités à l’égard d’une offre, d’un achat ou d’un contrat. Méfiez-vous des « Essais gratuits ». Les modalités de ce type d’offres peuvent comporter des frais supplémentaires et des produits que vous ne voulez pas. Le seul moyen d’éviter cette situation consiste à ne pas faire affaire avec le commerçant en question. Les contrats comportent toujours des conditions d’annulation. Soyez à l’affût et assurez-vous que toutes les conditions vous conviennent. Sinon, abordez le sujet avec le commerçant avant de vous engager. L’aide que nous pouvons vous apporter pourrait se limiter à ce qui est indiqué dans les modalités auxquelles vous avez accepté de vous conformer. Portez une attention à ce qui se passe autour de vous; ne présentez pas votre carte avant que cela soit nécessaire et faites-le seulement si vous vous apprêtez à effectuer un achat. Ne dites jamais le numéro de votre carte à haute voix lorsque vous êtes en public; utilisez votre main ou votre corps pour cacher votre NIP lorsque vous l’inscrivez à un clavier; et, lorsqu’un préposé à la caisse vous demande votre carte, assurez-vous de toujours l’avoir bien en vue. Au lieu de jeter vos relevés aux ordures ou de les déposer dans votre bac de récupération, déchiquetez-les et faites de même pour tout autre document sur lequel figure le numéro de votre carte. ","url":"/learning-hub/faqs/statements/youve-registered-a-transaction-dispute-now-what","category":"FAQsCategory"},"77147ebc-f0b4-5244-9f85-ebe0a25820c8":{"page":"Que dois-je faire si je souhaite contester une transaction?","description":"Vous n’êtes pas l’auteur d’une transaction? Veuillez d’abord joindre le commerçant pour demander un renversement de la transaction. Si le problème n’est pas résolu à cette étape, vous pouvez contester la transaction directement depuis votre compte en ligne. Étapes (ordinateur ou appareil mobile) Connectez-vous à votre compte en ligne Cliquez sur Transactions Cliquez sur la transaction que vous souhaitez contester Cliquez sur Contester cette transaction Choisissez la raison pour laquelle vous contester la transaction et joignez tous les documents nécessaires. Au besoin, vous pouvez ajouter d’autres transactions à contester Confirmez la contestation ","url":"/learning-hub/faqs/statements/what-do-i-do-if-i-would-like-to-dispute-a-transaction","category":"FAQsCategory"},"f2affc2b-4b5f-5763-883d-9887657229ff":{"page":"Que dois-je faire s’il y a une erreur sur mon relevé?","description":"Si vous remarquez une transaction sur votre relevé mensuel que vous ne reconnaissez pas ou que vous voulez contester, il suffit de vous connecter à votre compte en ligne et formuler une demande de contestation. Vous pouvez également appeler au 1 866 246-7262 dans les 30 jours suivant la date du relevé. Nous mènerons alors une enquête en votre nom. Si vous croyez que votre carte Mastercard a été utilisée sans votre consentement, composez immédiatement le 1 866 246-7262. Un agent de notre service à la clientèle pourra alors vous venir en aide.","url":"/learning-hub/faqs/statements/what-do-i-do-if-i-think-theres-a-mistake-shown-on-my-statement","category":"FAQsCategory"},"763e6dc7-548a-5bbe-9712-acbe512ae63a":{"page":"Le relevé électronique est-il identique au relevé mensuel imprimé?","description":"Oui, votre relevé électronique contient les mêmes renseignements que votre relevé imprimé. L’avantage des relevés électronique découle du fait que vous les recevez plus rapidement que s’ils étaient postés et que vous avez accès à un historique de 24 mois de relevés en ligne. \n\nVous pouvez consulter vos relevés électroniques en vous connectant à votre compte en ligne Services financiers le Choix du Président, puis en allant à Comptes et cartes. Assurez-vous d’avoir basculé à Comptes, puis choisissez le compte pour lequel vous souhaitez consulter les relevés électroniques. Choisissez Relevés électroniques pour continuer. ","url":"/learning-hub/faqs/statements/is-my-electronic-statement-the-same-as-my-monthly-printed-statement","category":"FAQsCategory"},"9c90fcf6-13a3-57e4-9b9d-59be00d99e72":{"page":"À quelle fréquence vais-je recevoir mes relevés de compte?","description":"Si vous avez un solde ou s’il y a des activités à votre compte, vous recevrez un relevé chaque mois par la poste ou par voie électronique, en fonction des préférences établies pour votre compte.\n\nVous pouvez faire arrêter l’envoi de relevés imprimés en tout temps par l’entremise de votre compte en ligne Services financiers le Choix du Président. Une fois connecté, allez à Comptes et cartes. Assurez-vous d’avoir basculé à Comptes, puis choisissez le compte pour lequel vous souhaitez faire arrêter l’envoi de relevés imprimés. Choisissez Relevés électroniques. Vous devriez voir une option vous permettant de faire arrêter l’envoi de relevés imprimés si cette option est encore activée pour le compte choisi. ","url":"/learning-hub/faqs/statements/how-often-do-i-receive-my-account-statements","category":"FAQsCategory"},"f6521588-2fb5-59b3-8fbf-0110461f345b":{"page":"Que signifient les champs « comptant disponible » et « limite de comptant » sur mon relevé?","description":"À titre de client Mastercard Services financiers le Choix du Président, vous pouvez utiliser votre carte pour obtenir une avance de fonds dans un guichet automatique qui accepte la carte Mastercard, pour émettre des chèques pratiques ou pour effectuer des transferts de fonds. La limite de comptant représente le montant maximum que vous pouvez retirer à ces fins. Le comptant disponible représente la limite de comptant, moins tout montant que vous avez déjà utilisé.","url":"/learning-hub/faqs/statements/what-do-the-cash-available-and-cash-limit-fields-mean-on-my-statement","category":"FAQsCategory"},"7706a482-6f2a-5047-8ce3-80da668b3bbe":{"page":"Comment sont calculés les sous-totaux sur mon relevé?","description":"Nous avons groupé toutes les transactions (sauf les paiements effectués, lesquels sont listés séparément), avons soustrait les retours et avons ajouté un sous-total pour chaque titulaire de carte associé à votre compte. Vous pouvez désormais voir exactement ce que chaque titulaire a dépensé. Ces sous-totaux comprennent les transactions effectuées au moyen de la vignette PayPass ou du portefeuille mobile pouvant être associé à votre carte. Les paiements effectués figurent dans une section distincte du relevé.","url":"/learning-hub/faqs/statements/how-do-the-subtotals-on-my-statement-work","category":"FAQsCategory"},"0f819235-6d48-5e99-aa3b-e91b808516a4":{"page":"Que représente le nombre de points PC Optimum qui figure sur le relevé?","description":"Ce chiffre est le nombre de points que vous avez accumulés en utilisant votre carte Mastercard Services financiers le Choix du Président pendant la période du relevé en question. Il ne comprend aucun des points supplémentaires que vous avez récoltés dans le cadre du programme PC Optimum, comme vos offres personnalisées.","url":"/learning-hub/faqs/statements/what-does-the-pc-optimum-points-number-on-my-statement-represent","category":"FAQsCategory"},"9af61824-fb33-5f2d-8d33-b4d8393eab69":{"page":"Comment puis-je m’inscrire au service de relevés électroniques (ou papier)?","description":"S’inscrire au service de relevés électroniques est très facile! Il suffit de vous connecter à votre compte en ligne de Services financiers le Choix du Président, puis aller dans le Tableau de bord et cliquer sur Consultation des relevés électroniques.","url":"/learning-hub/faqs/statements/how-do-i-sign-up-for-electronic-or-paper-statements","category":"FAQsCategory"},"765be7e4-63a2-54cb-9a9b-337994c8d4a6":{"page":"Puis-je payer mes factures avec ma carte Mastercard Services financiers le Choix du Président?","description":"Oui! En établissant des paiements automatiques tirés sur votre compte Mastercard Services financiers le Choix du Président, vous éviterez de payer vos factures en retard. Sans compter que vous récolterez des points PC Optimum chaque fois – c’est avantageux à tous les points de vue.\n\nAfin de mettre en place des paiements automatiques pour les factures de services publics, du téléphone, du câble, de l’accès Internet, des centres de conditionnement physique, de vos assurances, etc., vous n’avez qu’à communiquer avec l’entreprise concernée pour autoriser ces paiements.\n\nSi le numéro ou la date d’échéance de votre carte change, n’oubliez pas d’en informer les entreprises qui traitent vos paiements afin qu’elles mettent à jour vos renseignements de facturation.","url":"/learning-hub/faqs/pc-mastercard-101/can-i-pay-my-bills-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"368b0262-66b8-56ce-8b60-f40287c716c9":{"page":"Quel est le taux de conversion pour les transactions en devises portées à ma carte Mastercard Services financiers le Choix du Président?","description":"Un taux de majoration pour conversion de devises est imputé à votre compte pour chaque transaction en devises portée à ce dernier. Il s’agit du taux de majoration pour conversion de devises imputé aux achats et aux avances de fonds et déduit des remboursements et des crédits. Le taux de majoration pour conversion de devises est indiqué dans votre « Sommaire des renseignements pour les titulaires de carte ». Les taux de change et de majoration pour la conversion de devises fixés par Mastercard sont compris dans le taux de conversion et le montant de la transaction en dollars canadiens figurant sur votre relevé.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-foreign-currency-conversion-charge-on-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"82007f6f-1cca-54cf-b571-d0163dc35dd4":{"page":"En quoi consiste le délai de grâce sans intérêt associé à la carte Mastercard Services financiers le Choix du Président?","description":"Vous profitez d’un délai de grâce sans intérêt d’au moins 21 jours sur les nouveaux achats (c’est-à-dire les achats qui ne figurent pas sur un relevé précédent), si vous payez au complet le solde de votre relevé le plus récent au plus tard à la date d’échéance indiquée. Sinon, l’intérêt est imputé à compter de la date de la transaction.\n\nLe délai de grâce sans intérêt ne s’applique pas aux avances de fonds (qui englobent les transferts de solde et les chèques pratiques); l’intérêt sur ces transactions est imputé à compter de la date de la transaction.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-interest-free-grace-period-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"ba4f6eea-c459-5045-81fc-32c6a0e34537":{"page":"Puis-je utiliser ma carte Services financiers le Choix du Président à l’extérieur du Canada?","description":"Bien sûr! Bon nombre de pays ont déjà fait la transition vers la technologie à puce avec succès, et les cartes à puce canadiennes sont parfaitement compatibles avec ces systèmes. Dans les pays qui n’ont pas encore fait la transition, vous pouvez utiliser votre carte en glissant la bande magnétique dans le lecteur et en fournissant votre signature.","url":"/learning-hub/faqs/pc-mastercard-101/will-i-be-able-to-use-my-presidents-choice-financial-card-outside-of-canada","category":"FAQsCategory"},"eb0a1e7d-ae7f-5ecc-ae00-3255d2b56210":{"page":"Combien de titulaires de cartes peut-on ajouter sur un compte Mastercard Services financiers le Choix du Président?","description":"Vous pouvez ajouter jusqu’à quatre titulaires de carte sur votre compte Mastercard Services financiers le Choix du Président. Il n’y a aucuns frais pour ces titulaires de carte supplémentaires, et ils sont tous automatiquement considérés comme étant des utilisateurs autorisés.\n\nPuisque vous êtes le titulaire de carte principal, vous êtes entièrement responsable des transactions effectuées par chacun des utilisateurs autorisés de votre compte MastercardMD Services financiers le Choix du Président, y compris tout montant porté au compte à la suite de l’utilisation de toute carte supplémentaire émise.\n\nIl vous incombe de veiller à ce que les utilisateurs autorisés de votre compte, le cas échéant, comprennent la présente entente avec le titulaire de carte et la politique relative au respect de la vie privée de Les Compagnies Loblaw Limitée, comment ces documents s’appliquent à eux, et leur obligation d’utiliser la carte conformément aux modalités de l’entente avec le titulaire de carte. Veuillez prendre note que nous pouvons transmettre certains renseignements de votre compte à l’utilisateur autorisé, notamment votre limite de crédit ou des renseignements concernant une transaction. De plus, les utilisateurs autorisés de votre compte peuvent consulter ou obtenir des renseignements à propos du compte, notamment à propos des transactions, des soldes, du crédit disponible, du statut du compte et des versements. Les utilisateurs autorisés pourront consulter les relevés mensuels électroniques et toutes les transactions portées au compte par un titulaire, et ce, de façon continue. Vous ne pouvez pas limiter ou restreindre l’accès ou les droits d’un utilisateur autorisé. Chaque utilisateur autorisé dispose du même niveau d’accès au compte que celui indiqué dans le présent article, et est en mesure de consulter l’activité des autres utilisateurs autorisés du compte. Un utilisateur autorisé peut avoir accès à la limite de crédit disponible du compte de la carte de crédit, en plus de pouvoir régler des achats ou obtenir des avances de fonds. La limite de crédit du compte est partagée entre le titulaire principal de carte et ses utilisateurs autorisés. Aucune limite de crédit distincte n’est accordée aux utilisateurs autorisés. Vous pouvez ajouter un utilisateur autorisé à votre compte en ligne.","url":"/learning-hub/faqs/pc-mastercard-101/how-many-additional-cardholders-can-i-add-to-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"8fae2b97-ff1a-599f-aa58-b26a3d248d1b":{"page":"Où puis-je utiliser ma carte Mastercard Services financiers le Choix du Président?","description":"La carte Mastercard Services financiers le Choix du Président est acceptée chez des millions de commerçants membres partout au monde. Votre carte est toujours prête à être utilisée, que ce soit lors d’une séance de magasinage, en vacances ou pour un repas dans votre restaurant préféré. Elle est également acceptée dans plus d’un million de guichets automatiques partout au monde, ainsi que dans les succursales bancaires, les bureaux de change, les magasins, les restaurants, entre autres. Vous pouvez l’utiliser partout où figurent les logos CirrusMD ou MaestroMD, ou le symbole MastercardMD.","url":"/learning-hub/faqs/pc-mastercard-101/where-can-i-use-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"5ff9d9d1-2fd4-541e-bcc3-4af045084f63":{"page":"En quoi consiste l’assurance protection de solde – perte d’emploi involontaire?","description":"Cette assurance peut se charger d’effectuer les paiements mensuels minimums de votre compte Mastercard Services financiers le Choix du Président et aide à protéger votre cote de crédit en cas de perte d’emploi involontaire. L’assurance effectue des paiements mensuels minimums pendant une période pouvant aller jusqu’à 20 mois consécutifs en cas de perte d’emploi involontaire Si le solde de votre relevé du mois courant est à zéro, vous n’avez aucune prime à payer. Cette prime figure sur votre relevé mensuel. Faites-en l’essai gratuitement pendant 30 jours – vous pouvez annuler cette assurance en tout temps, et si vous l’annulez au cours des 30 premiers jours suivant sa date d’effet, nous rembourserons toute prime perçue. Seulement 0,79 $ (taxes en sus) par tranche de 100 $ du solde de votre relevé du mois courant Renseignements importants à propos de l’assurance protection de solde – perte d’emploi involontaire, y compris les restrictions et exclusions\n\nD’autres couvertures d’assurance protection de solde sont disponibles. Pour obtenir plus de renseignements à propos des options de l’assurance protection de solde, veuillez composer le 1 866 246-7262 pour parler à un agent.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-account-balance-protection-involuntary-job-loss","category":"FAQsCategory"},"8a82de45-54ea-5107-acb5-29a15e241309":{"page":"En quoi consiste l’assurance protection de solde classique?","description":"Ce régime d’assurance facultatif vous assure de trois différentes façons : En cas d’invalidité ou de perte d’emploi involontaire jusqu’à l’âge de 65 ans pendant que vous souscrivez l’assurance, celle-ci se chargera d’effectuer des paiements mensuels de 3 % du solde de votre compte Mastercard Services financiers le Choix du Président à la date de l’invalidité ou de la perte d’emploi chaque mois pendant une période maximale de 2 ans à compter de 30 jours après la date d’invalidité ou de la perte d’emploi. Si vous êtes hospitalisé pendant plus de 7 jours consécutifs avant l’âge de 70 ans pendant que vous souscrivez l’assurance, celle-ci se chargera d’effectuer un paiement unique équivalant à 3 % du solde de votre compte Mastercard Services financiers le Choix du Président à la date de l’hospitalisation, jusqu’à concurrence de 500 $. En cas de décès ou de mutilation accidentelle, l’assurance remboursera un montant jusqu’à concurrence de 15 000 $ pour couvrir le solde de votre compte Mastercard Services financiers le Choix du Président à la date du décès ou de la mutilation accidentelle. Cette protection en cas de décès ou de mutilation est offerte à vous ainsi qu’au titulaire autorisé qui est votre conjoint ou votre conjointe. Faites-en l’essai gratuitement pendant 30 jours – vous pouvez annuler cette assurance en tout temps, et si vous l’annulez au cours des 30 premiers jours suivant sa date d’effet, nous rembourserons toute prime perçue. Seulement 0,99 $ (taxes en sus) par tranche de 100 $ du solde de votre relevé du mois courant Renseignements importants à propos de l’assurance protection de solde classique, y compris les restrictions et exclusions.\n\nConnectez-vous à votre compte pour ajouter cette assurance","url":"/learning-hub/faqs/pc-mastercard-101/what-is-account-balance-protection-standard","category":"FAQsCategory"},"fd2a04f1-3bec-50a2-8347-881c6d4225ea":{"page":"En quoi consiste l’assurance protection de solde conjoint/conjointe","description":"Cette assurance peut effectuer* les paiements mensuels minimums sur votre compte Mastercard Services financiers le Choix du Président si vous ou votre conjoint/conjointe subissez un imprévu, ce qui vous soulagera d’un souci.\r Si vous ou votre conjoint/conjointe devenez invalide ou perdez votre emploi involontairement* jusqu’à l’âge de 65 ans, l’assurance assurera des paiements mensuels de 5 % du solde de votre compte à la date de l’invalidité ou de la perte d’emploi (ce qui est supérieur au montant mensuel minimum requis), et ce, pendant une période pouvant aller jusqu’à 20 mois consécutifs.\r En cas de décès, de mutilation accidentelle ou de diagnostic d’une maladie grave (cancer, crise cardiaque ou accident vasculaire cérébral)* avant que vous ou votre conjoint/conjointe ayez atteint l’âge de 75 ans, l’assurance paiera un montant pouvant aller jusqu’à 15 000 $ pour couvrir le solde de votre compte.\r Si vous ou votre conjoint/conjointe êtes hospitalisé* pendant plus de 2 jours consécutifs avant l’âge de 75 ans, l’assurance effectuera un seul paiement mensuel équivalant à 5 % de votre solde au premier jour de votre hospitalisation, jusqu’à concurrence de 500 $.\r Cette prime figure sur votre relevé mensuel.\r Si le solde de votre relevé du mois courant est à zéro, vous n’avez aucune prime à payer.\r Faites-en l’essai gratuitement pendant 30 jours – vous pouvez annuler cette assurance en tout temps, et si vous l’annulez au cours des 30 premiers jours suivant sa date d’effet, nous rembourserons toute prime perçue.\r Seulement 1,19 $ (taxes en sus) par tranche de 100 $ du solde de votre relevé mensuel le plus récent\r Renseignements importants à propos de l’assurance protection de solde – conjoint/conjointe, y compris les restrictions et exclusions.\r\n\r\nComposez le 1 866 246-7262 dès aujourd’hui pour parler à un représentant et faire ajouter l’assurance protection de solde – conjoint/conjointe à votre compte.\r\n\r\n*Certaines restrictions et exclusions s’appliquent. Tous les renseignements, y compris la définition des affections couvertes, figurent sur le certificat d’assurance que vous recevrez lors de votre adhésion.","url":"/learning-hub/faqs/pc-mastercard-101/what-is-spousal-account-balance-protection","category":"FAQsCategory"},"76057308-9c7e-5cbc-b4a5-4a427c921a80":{"page":"Comment détermine-t-on si je suis admissible à une carte World Elite Mastercard Services financiers le Choix du Président?","description":"Exigences à l’égard du revenu : 80 000 $ pour le revenu annuel individuel et 150 000 $ pour le revenu familial\r Sous réserve de l'approbation de crédit ","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-world-elite-mastercard","category":"FAQsCategory"},"c80c3b87-614f-5efa-84fa-5d7c73cebb01":{"page":"Comment détermine-t-on si je suis admissible à une carte World Mastercard Services financiers le Choix du Président?","description":"Exigences à l’égard du revenu : 60 000 $ pour le revenu annuel individuel et 100 000 $ pour le revenu familial\r Sous réserve de l'approbation de crédit ","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-world-mastercard","category":"FAQsCategory"},"235f2c7b-85d5-523f-93e0-bcca9ed6a5e6":{"page":"Comment détermine-t-on si je suis admissible à une carte Mastercard Services financiers le Choix du Président?","description":"Sous réserve de l'approbation de crédit","url":"/learning-hub/faqs/pc-mastercard-101/how-do-i-qualify-for-the-presidents-choice-financial-mastercard","category":"FAQsCategory"},"2ec6765b-3257-5b17-990d-3aafb7c3157e":{"page":"Quelle est la différence entre les options des trois cartes Mastercard Services financiers le Choix du Président?","description":"Voir les différences","url":"/learning-hub/faqs/pc-mastercard-101/what-is-the-difference-between-the-three-presidents-choice-financial-mastercard-options","category":"FAQsCategory"},"f85d15ea-ec2d-53f3-aad9-73edc662c2bc":{"page":"Quels sont les renseignements et les avantages supplémentaires concernant la carte World Elite Mastercard Services financiers le Choix du Président?","description":"Exigences à l’égard du revenu : 80 000 $ pour le revenu annuel individuel et 150 000 $ pour le revenu familial\r Une carte de crédit de prestige sans frais annuels\r 30 points PC Optimum pour chaque 1 $ dépensé dans les magasins participants, où le programme PC Optimum est offert\r 45 points PC Optimum pour chaque 1 $ dépensé sur des achats éligibles chez Shoppers Drug Mart et Pharmaprix (ceci inclue les 15 points par dollar gagnés par tous les membres PC Optimum)\r 30 points PC Optimum pour chaque 1 $ dépensé chez voyagepc.ca\r Obtenez au moins 3 cents le litre en points PC Optimum\r 10 points PC Optimum par chaque dépensé partout ailleurs\r Un service de concierge en tout temps\r Une assurance collision/dommages pour véhicules de location\r Une assurance d’urgence médicale en voyage\r Des services d’assistance en cas de vol d’identité ","url":"/learning-hub/faqs/pc-mastercard-101/what-are-some-additional-details-and-benefits-of-the-presidents-choice-financial-world-elite-mastercard","category":"FAQsCategory"},"d45d0dd2-3a02-5b31-93a0-d9a9cc70aee2":{"page":"Qui peut m’offrir du soutien technique?","description":"Si vous avez des problèmes techniques, nous vous invitons à nous joindre en visitant le centre de messagerie sur pcfinance.ca ou en composant le 1 866 246-7262. Un préposé au service à la clientèle pourra vous aider.","url":"/learning-hub/faqs/get-support/who-can-i-contact-for-technical-support","category":"FAQsCategory"},"d9fb5a0c-dc31-51fd-b132-d4b4e39d4cc0":{"page":"Où puis-je trouver le Centre de soutien?","description":"Vous pouvez trouver le Centre de soutien depuis votre compte en ligne Services financiers le Choix du Président. En ligne : Allez dans les paramètres de votre profil en cliquant sur la photo de votre profil (ou sur l’image dans l’espace réservé si vous n’avez pas encore téléversé votre photo) figurant dans le coin supérieur droit de l’écran. Choisissez Soutien. Dans l’application mobile : Allez dans les paramètres de votre profil en cliquant sur le bouton Plus (le dernier bouton de la dernière rangée avec 4 points). Choisissez Soutien.","url":"/learning-hub/faqs/get-support/where-do-i-find-the-support-centre","category":"FAQsCategory"},"164263fc-90bc-5c41-b5af-89bd7193fc96":{"page":"Les renseignements associés à mon compte sont-ils sécurisés lorsque j’utilise l’application?","description":"Tout comme c’est le cas lorsque vous vous connectez au site pcfinance.ca depuis un navigateur, vous devez saisir votre nom d’utilisateur et votre mot de passe pour avoir accès à l’application mobile PC Finance. Pour des raisons de sécurité supplémentaire, vous pourriez de temps à autre devoir répondre à une question d’authentification à deux facteurs.","url":"/learning-hub/faqs/get-support/is-my-account-information-secure-when-im-using-the-app","category":"FAQsCategory"},"f4363393-5abc-5e23-8f7a-69cdab332a28":{"page":"Dois-je me soucier de l’hameçonnage sur mon appareil?","description":"Les courriels et les messages d’hameçonnage sont de faux messages vous incitant à fournir des renseignements personnels, comme vos renseignements bancaires. Suivez les étapes suivantes pour éviter l’hameçonnage : Si vous ne connaissez pas l’expéditeur d’un message, supprimez-le et ne cliquez sur aucun lien figurant dans le message. N’envoyez jamais de renseignements à caractère confidentiel à quiconque par courriel ou message texte. Services financiers le Choix du Président ne vous enverra jamais de courriels ni de messages texte vous demandant de confirmer vos mots de passe, les numéros de vos cartes, les détails de votre compte, ou tout autre renseignement personnel.","url":"/learning-hub/faqs/get-support/do-i-have-to-worry-about-phishing","category":"FAQsCategory"},"4ce28145-1ab6-5bfe-bf10-f8d82b6a281c":{"page":"Est-ce que le service MastercardMD SecureCodeMC peut être utilisé sur tous les ordinateurs?","description":"Oui. C’est l’un des avantages du service MastercardMD SecureCodeMC. Puisque le service ne requiert aucun logiciel particulier à installer, vous pouvez effectuer des achats en utilisant n’importe quel ordinateur.","url":"/learning-hub/faqs/get-support/can-mastercard-securecode-be-used-on-any-computer","category":"FAQsCategory"},"4bb5a267-ec4d-5ca1-85d3-c31c8b743814":{"page":"Quels sont les renseignements sauvegardés dans mon téléphone?","description":"Avec l’application mobile PC Finance, aucun renseignement confidentiel n’est sauvegardé dans votre téléphone. Remarque : N’utilisez pas d’applications pour prendre des notes ni votre carnet d’adresses pour sauvegarder le nom d’utilisateur et le mot de passe de votre compte Services financiers le Choix du Président.","url":"/learning-hub/faqs/get-support/what-information-is-stored-on-my-smartphone","category":"FAQsCategory"},"80396945-9d48-5383-9dac-a772bd067d1d":{"page":"Quelles sont les cartes de crédit Services financiers le Choix du Président pouvant être utilisées avec Apple Pay?","description":"Toutes les cartes suivantes peuvent être utilisées avec Apple Pay : Mastercard Services financiers le Choix du Président, World Mastercard Services financiers le Choix du Président et World Elite Mastercard Services financiers le Choix du Président.","url":"/learning-hub/faqs/mobile-wallet/which-pc-financial-credit-cards-are-available-in-apple-pay","category":"FAQsCategory"},"6bba698b-77ea-5dab-9c95-6506512d8908":{"page":"Qu’arrive-t-il en cas de perte ou de vol de mon appareil Apple?","description":"Si vous perdez votre iPhone ou si on vous le vole, utilisez Localiser mon iPhone pour rapidement mettre votre appareil en mode Perdu, ce qui suspendra le service Apple Pay. Vous pouvez également effacer toutes les données de votre iPhone. À l’aide d’iCloud, vous pouvez aussi empêcher que des transactions soient effectuées au moyen de vos cartes de crédit ou de débit sur votre iPhone ou votre Apple Watch. Il suffit d’accéder à iCloud.com et de cliquer sur Réglages. Si vous avez utilisé la carte Mastercard Services financiers le Choix du Président dans Apple Pay, vous devez également signaler la perte ou le vol de votre carte à Mastercard Services financiers le Choix du Président au 1 866 246-7262.","url":"/learning-hub/faqs/get-support/what-happens-if-your-apple-device-is-lost-or-stolen","category":"FAQsCategory"},"6393c7a6-7c5d-5e6d-a187-3c77b16cbd5f":{"page":"Comment puis-je ajouter ma carte numérique dans les services Apple Pay ou Google Pay?","description":"Ajoutez rapidement et facilement la carte numérique de votre compte PC ArgentMC à votre portefeuille mobile dans l’application PC Finance. Étapes Connectez-vous à l’application mobile PC Finance Sélectionnez l’icône Cartes dans la barre de navigation Choisissez l’onglet Cartes dans le coin supérieur droit, puis sélectionnez la carte à ajouter à votre portefeuille mobile Après avoir sélectionné une carte, cliquez sur Ajouter au portefeuille Apple ou sur Ajouter au portefeuille Google, selon le cas Vous serez redirigé vers l’application Wallet sur votre téléphone. Suivez les instructions pour ajouter votre carte ","url":"/learning-hub/faqs/mobile-wallet/how-do-i-add-my-digital-card-to-apple-pay-or-google-pay-service","category":"FAQsCategory"},"2375ad59-83ec-5c57-9311-f96251584497":{"page":"Vais-je continuer de récolter des points PC Optimum lorsque j’utiliserai Apple Pay?","description":"En utilisant Apple Pay, vous continuerez de récolter des points PC Optimum pour chaque dollar d'achat porté à votre carte Mastercard PC Finance. Pour ce faire, et afin de continuer à les récolter grâce aux offres numériques personnalisées de PC Optimum et physiques dans les magasins de Loblaw, vous devez scanner séparemment un dispositif valide de PC Optimum (p. ex., votre carte PC Optimum, votre porte-clé, l'application sur votre téléphone, un code-barres dans Apple Pay, ou votre carte Mastercard PC Finance) AVANT de régler votre achat en utilisant Apple Pay.\n \nEn conséquence, pour de compléter chaque transaction, vous auriez deux scans à effectuer, une fois pour transmettre votre numéro d'adhésion PC Optimum, et un 2ème en utilisant votre Apple Pay pour envoyer votre paiement.","url":"/learning-hub/faqs/mobile-wallet/will-i-continue-to-earn-pc-optimum-points-when-i-use-apple-pay","category":"FAQsCategory"},"aaa18461-ba48-59e1-a6cb-15ef222db03c":{"page":"Quelles sont les limites de paiement pour Apple Pay?","description":"La carte Mastercard Services financiers le Choix du Président permet de régler des achats jusqu’à concurrence de 200 $ au moyen de la technologie sans contact dans nos magasins Loblaw. Si le montant de l’achat est supérieur, vous devrez utiliser votre carte de plastique.","url":"/learning-hub/faqs/mobile-wallet/what-are-the-payment-limits-for-apple-pay","category":"FAQsCategory"},"afc8a8c6-2cc6-52b6-ba79-73353565f70e":{"page":"Comment fonctionne Apple Pay?","description":"Avec Apple Pay, au lieu d’utiliser le numéro actuel de votre carte de crédit, un numéro de compte d’appareil unique est créé, puis chiffré et stocké dans un composant sécurisé, c’est-à-dire une puce dédiée intégrée à iPhone ou Apple Watch. Lorsque vous effectuez un achat, c’est le numéro de compte d’appareil, jumelé au code de sécurité dynamique unique propre à la transaction qui est utilisé pour traiter le paiement. Ainsi, le numéro de votre carte de crédit n’est jamais partagé avec les commerçants ni transmis au moment du paiement.","url":"/learning-hub/faqs/mobile-wallet/how-does-apple-pay-work","category":"FAQsCategory"},"f144e8f7-3e3e-5ea0-8d6c-ba5923249cb3":{"page":"Quels types d’appareils Apple prennent en charge Apple Pay?","description":"En magasin, Apple Pay fonctionne avec Apple Watch, ainsi qu’avec iPhone 6 et les modèles ultérieurs. Dans les applications, Apple Pay fonctionne avec iPhone 6 et les modèles ultérieurs, ainsi qu’avec iPad Pro, iPad Air 2, iPad mini 3 et les modèles ultérieurs. Pour connaître la liste des appareils compatibles avec Apple Pay, consultez le site suivant : https://support.apple.com/fr-ca/HT208531.","url":"/learning-hub/faqs/mobile-wallet/what-apple-devices-support-apple-pay","category":"FAQsCategory"},"19e9e246-417c-52bf-b63b-f28afafb40b8":{"page":"Apple Pay est-il sécurisé?","description":"Oui. Une puce dédiée intégrée dans l’appareil stocke un numéro de compte d’appareil unique et chiffré pour chaque numéro de carte. Lorsque vous effectuez un achat, c’est le numéro de compte d’appareil, jumelé au code de sécurité dynamique unique propre à la transaction, qui est utilisé pour traiter le paiement. Ainsi, les paiements sont sécurisés, car vous ne traitez pas les numéros de la carte de crédit dans votre système lorsque les clients règlent leurs achats avec Apple Pay.","url":"/learning-hub/faqs/mobile-wallet/is-apple-pay-secure","category":"FAQsCategory"},"dc0e5f46-a87d-563a-a10e-125b0ba35e33":{"page":"Que se passe-t-il si le client perd son appareil Android?","description":"Si le client perd son appareil ou qu’on lui vole, il peut le retrouver, le verrouiller ou effacer le contenu en utilisant le gestionnaire d’appareils Android. Si le client verrouille son appareil, Google Pay ne peut pas être utilisé. Si son appareil est introuvable, ses informations de paiement peuvent être supprimées afin que personne ne puisse y accéder. Si le client retrouve son téléphone, il peut le déverrouiller et ajouter à nouveau ses informations de paiement pour utiliser Google Pay.","url":"/learning-hub/faqs/get-support/what-happens-if-a-customer-loses-their-android-device","category":"FAQsCategory"},"ea92bf0d-fef4-5a14-aebd-14c0a6b75daa":{"page":"Que se passe-t-il s’il y a un problème avec mon point de vente et Google Pay?","description":"Veuillez suivre le processus habituel pour informer votre superviseur des caisses, qui communiquera avec le CNSC pour signaler le problème.","url":"/learning-hub/faqs/mobile-wallet/what-happens-if-there-is-an-issue-with-my-pos-and-google-pay","category":"FAQsCategory"},"febaac62-2549-51b4-9864-b1f111347c43":{"page":"Où puis-je utiliser Google Pay?","description":"Ils peuvent taper et payer partout où les paiements sans contact sont acceptés.","url":"/learning-hub/faqs/mobile-wallet/where-can-a-customer-use-google-pay","category":"FAQsCategory"},"6bdf1954-7dc4-5341-9d6b-bd0140fccbb8":{"page":"Comment puis-je utiliser Google Pay lors du paiement d’un achat en magasin?","description":"Il suffit de sortir son téléphone de la mise en veille. Il n’est pas nécessaire d’ouvrir l’application. Maintenir le dos de l’appareil près du terminal de paiement sans contact. Le téléphone émettra un bip ou vibre pour indiquer que le paiement a été effectué. Dans certains cas, il est possible que vous deviez déverrouiller votre téléphone et effleurer le terminal à nouveau pour finaliser la transaction. ","url":"/learning-hub/faqs/mobile-wallet/how-does-a-customer-use-google-pay-when-paying-in-store","category":"FAQsCategory"},"ee5a52a6-a4bb-59a5-8f86-44fffcb6dc71":{"page":"Comment un client peut-il ajouter sa carte PC Optimum dans Google Pay?","description":"À partir de la page d’accueil d’Google Pay, le client doit cliquer sur le symbole + situé dans l’angle inférieur de l’écran, puis sélectionner l’option « Ajouter un programme de fidélité ». Il doit trouver le programme PC Optimum. Il doit sélectionner PC Optimum et saisir la carte manuellement. Il doit sauvegarder l’information, puis sa carte sera ajoutée à la liste de cartes qu’il a sauvegardées dans son compte Google Pay. \n\n","url":"/learning-hub/faqs/mobile-wallet/how-do-customers-add-their-pc-optimum-card-into-google-pay","category":"FAQsCategory"},"e9ee0f37-ba20-5a7d-960a-c566480f31e3":{"page":"Quelles sont les limites de paiement pour Google Pay?","description":"La carte Mastercard Services financiers le Choix du Président permet de régler des achats jusqu’à concurrence de 200 $ au moyen de la technologie sans contact dans nos magasins Loblaw. Si le montant de l’achat est supérieur, le client devra utiliser sa carte de plastique. Toutes les autres cartes dans Google Pay seront assorties d’une limite de paiement de 100 $ dans nos magasins.","url":"/learning-hub/faqs/mobile-wallet/what-are-the-payment-limits-for-google-pay","category":"FAQsCategory"},"fc5fd725-8706-5779-a6aa-3d2684286037":{"page":"Quels types d’appareils Android prennent en charge Google Pay?","description":"À l’heure actuelle, Google Pay fonctionne avec les appareils Android dotés de Kit Kat version 4.4 ou ultérieure.","url":"/learning-hub/faqs/mobile-wallet/what-android-devices-support-google-pay","category":"FAQsCategory"},"217be3b8-1271-52c7-988a-c7b8e0de6049":{"page":"Google Pay est-il sécurisé?","description":"Oui. L’utilisation d’Google Pay est sécurisée.","url":"/learning-hub/faqs/mobile-wallet/is-google-pay-secure","category":"FAQsCategory"},"11d5f72c-0824-5d1b-bdbd-cb892db055b1":{"page":"Comment puis-je gérer les courriels, messages texte et notifications dans l’application que je reçois de Services financiers le Choix du Président?","description":"Vous pouvez programmer vos préférences pour les notifications par l’entremise de votre compte Services financiers le Choix du Président.\n \n En ligne\n Allez dans les paramètres de votre profil en cliquant sur la photo de votre profil (ou sur l’image dans l’espace réservé si vous n’avez pas téléversé votre photo) dans le coin supérieur droit de l’écran. Choisissez Préférences pour les notifications.\n \n Dans l’application mobile\n Allez dans les paramètres de votre profil en cliquant sur le bouton Plus (le dernier bouton de la dernière rangée avec 4 points). Choisissez Préférences pour les notifications.\n \n Si vous souhaitez ne recevoir aucune notification provenant de l’application PC Finance, allez à vos paramètres de l’application sur votre appareil pour les désactiver.","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-manage-the-email-text-and-in-app-notifications-i-get-from-pc-financial","category":"FAQsCategory"},"bf860b2d-c612-5aa4-9bd8-7228717493ac":{"page":"Comment puis-je personnaliser mes notifications et mes alertes?","description":"Nous offrons des options de notifications vous permettant de gérer votre compte, qu’il s’agisse de notifications concernant vos achats ou de notifications vous avertissant de la date d’échéance de vos paiements mensuels. Vous pouvez paramétrer des notifications pour qu’elles vous parviennent par courriel, par message texte ou sur l’écran de notifications. Vous gardez le contrôle de ces notifications et pouvez changer les paramètres de vos alertes en tout temps. Les alertes sont désormais regroupées, passant de cinq alertes individuelles à deux catégories : Solde et dépenses ainsi que Mises à jour du compte. Alertes Soldes et dépenses : Achat effectué excédant le montant maximal défini Montant du solde excédant la limite définie Alertes Mises à jour du compte : Date d’échéance d’un paiement Paiement effectué dans votre compte Paiement en retard Remarque importante : Si vous aviez déjà programmé des alertes figurant dans la liste précédente avant l’exécution des mises à jour, vous recevrez désormais toutes les alertes faisant partie de la catégorie en question.","url":"/learning-hub/faqs/manage-profile-and-alerts/how-do-i-customize-my-notifications-and-alerts","category":"FAQsCategory"},"c316a2e7-1c3f-5772-a8a4-1c2cf9fff105":{"page":"Comment puis-je créer un avis de voyage?","description":"Vous pouvez créer un avis de voyage en vous connectant à votre compte depuis l’application mobile PC Finance ou en ligne, ou encore en vous connectant à votre compte PC Optimum. Étapes (ordinateur) Connectez-vous à votre compte en ligne Cliquez sur votre photo de profil (dans le coin supérieur droit) Cliquez sur Mon profil Cliquez sur Créer un avis de voyage Suivez les instructions à l’écran pour créer votre avis de voyage Étapes (application mobile) Connectez-vous à l’application mobile Cliquez sur le menu Plus dans le coin inférieur droit de la barre de navigation Cliquez sur Mon profil Cliquez sur Créer un avis de voyage Suivez les instructions à l’écran pour créer votre avis de voyage. ","url":"/learning-hub/faqs/manage-accounts/how-do-i-set-a-travel-notice","category":"FAQsCategory"},"934e098d-acc8-5c04-af70-17b834aea93d":{"page":"Puis-je utiliser l’application mobile PC Finance lorsque je suis en déplacement et que j’utilise le service d’itinérance de différents fournisseurs de services?","description":"Oui. Veuillez vérifier après de votre fournisseur de services avant de partir pour vous assurer de bien comprendre les frais supplémentaires ou les frais d’itinérance qui s’appliquent à votre forfait. ","url":"/learning-hub/faqs/manage-accounts/can-i-use-the-pc-financial-mobile-app-when-i-am-travelling-and-roam-to-different-carriers","category":"FAQsCategory"},"b5a3ee28-47b8-53b8-ad59-fd92bda740db":{"page":"Comment puis-je vérifier le solde de mes points PC Optimum?","description":"Vous pouvez vérifier votre solde de points PC Optimum en vous connectant aux services bancaires en ligne de Services financiers le Choix du Président ou à votre compte PC Optimum. Étapes (ordinateur ou appareil mobile) Connectez-vous à votre compte en ligne Faites défiler ou glisser la fenêtre de points PC Optimum Cliquez ou appuyez sur la fenêtre pour afficher les détails des transactions. ","url":"/learning-hub/faqs/pc-optimum/how-can-i-check-my-pc-optimum-points-balance","category":"FAQsCategory"},"1a1e6f27-51c7-5148-b3a1-a586881d740c":{"page":"Quelles sont les options de gestion de compte auxquelles j’ai accès au moyen de l’expérience numérique?","description":"Voici certaines actions possibles au moyen de l’option Gestion de compte : Création d’un pseudonyme pour votre compte Consultation de vos relevés électroniques Ajout d’utilisateurs autorisés à votre carte de crédit Configuration de paiements automatiques associés à votre carte de crédit Consultation ou modification de la limite de crédit associée à votre carte de crédit Commande de chèques Vous pouvez accéder à ces options en allant à la section Comptes et cartes, puis en basculant à Comptes. Si vous ne voyez pas la liste d’options indiquée précédemment, il est possible qu’elles ne soient pas offertes pour le type de compte que vous détenez.","url":"/learning-hub/faqs/manage-accounts/what-account-management-options-do-i-have-through-the-digital-experience","category":"FAQsCategory"},"5185f86f-1f73-5472-ac37-2f0e3be44256":{"page":"Quelles sont les options de Gestion de carte auxquelles j’ai accès au moyen de l’expérience numérique?","description":"Voici les actions possibles au moyen de l’option Gestion de carte : Activation de votre carte Désactivation temporairement d’une carte Réactivation d’une carte désactivée Signalement d’une carte perdue ou endommagée Changement du NIP Vous pouvez accéder à ces options en allant à la section Comptes et cartes, puis en basculant à Cartes. Si vous ne voyez pas la liste d’options indiquée précédemment, il est possible qu’elles ne soient pas offertes pour le type de compte que vous détenez.","url":"/learning-hub/faqs/manage-accounts/what-card-management-options-do-i-have-through-the-digital-experience","category":"FAQsCategory"},"0bbbb783-ba68-52eb-9a03-ddc9b43332fa":{"page":"Comment puis-je gérer mon compte Mastercard Services financiers le Choix du Président en ligne?","description":"C’est simple comme bonjour. Il suffit de vous connecter à votre compte en ligne sur pcfinancial.ca, puis vous aurez facilement accès à tous les renseignements concernant votre compte, aux services et à l’aide.","url":"/learning-hub/faqs/manage-accounts/how-do-i-manage-my-presidents-choice-financial-mastercard-account-online","category":"FAQsCategory"},"b426b65c-b266-5238-a85d-7c9d5d5c33d1":{"page":"Quelles sont les fonctions de l’application mobile PC Finance?","description":"Notre application mobile PC Finance a été classée comme une application révolutionnaire sur les boutiques iOS et Android. L’application PC Finance vous permet de gérer toutes les activités de vos comptes, de faire le suivi de vos récompenses et d’obtenir de l’aide, tout cela à portée de main. Fonctions utiles pour la gestion de compte Activez votre carte en ligne Configurez ou modifiez le NIP de votre carte Consultez le solde de votre compte, vérifiez le crédit disponible et demandez une augmentation Surveillez vos transactions ou effectuez des recherches, et contestez immédiatement des transactions individuelles Affichez des relevés électroniques ou basculez vers ceux-ci Mettre à jour vos renseignements personnels Ajoutez un utilisateur autorisé Demandez le transfert d’un solde Vous aimez le programme PC Optimum? Consultez le solde de vos points Surveillez le nombre de points récoltés par transaction Affichez la valeur échangeable de vos points Fonctions de sécurité Contestez des transactions depuis l’application Désactivez votre carte si vous l’avez égarée Signalez la perte ou le vol de votre carte Authentification biométrique Des alertes personnalisées \n ","url":"/learning-hub/faqs/manage-accounts/what-can-i-do-in-the-pc-financial-mobile-app","category":"FAQsCategory"},"51e5dc3b-f7d2-5e1b-8484-c54e264d3cc3":{"page":"Que se passe-t-il s’il m’est impossible de confirmer le code d’accès à usage unique ou si je me trompe en le saisissant?","description":"S’il est impossible de confirmer le code d’accès à usage unique ou si vous vous trompez en le saisissant, il vous sera impossible de poursuivre la transaction. Vous devrez alors communiquer avec MastercardMD Services financiers le Choix du Président au 1 866 246-7262 afin d’obtenir de l’aide pour effectuer la transaction en ligne.","url":"/learning-hub/faqs/login-help/what-if-i-cannot-verify-the-one-time-passcode-or-i-enter-the-one-time-passcode-incorrectly","category":"FAQsCategory"},"228d6986-f066-5b61-bbc1-f6937d29f4b6":{"page":"Je n’ai plus accès à mon compte en ligne. Que dois-je faire pour accéder à mon compte en ligne?","description":"Si vous avez du mal à vous connecter, il se peut que vous utilisiez un nom d’utilisateur ou un mot de passe incorrect. Avant de saisir à nouveau vos identifiants, n’oubliez pas ce qui suit : Les noms d’utilisateur et les mots de passe sont sensibles à la casse. Assurez-vous que le verrouillage des majuscules est désactivé Les réponses aux questions de sécurité que vous avez choisie doivent être identiques en tout point Si vous saisissez vos identifiants trop de fois sans réussir à vous connecter, le système verrouille automatiquement votre compte Si votre compte est verrouillé, suivez les étapes qui suivent pour résoudre le problème.\n \nAvant de commencer Assurez-vous d’avoir votre carte Mastercard Services financiers le Choix du Président à portée de main Connectez-vous au courriel associé à votre compte à des fins de vérification Étapes pour déverrouiller vos services bancaires en ligne (ordinateur ou appareil mobile) Si un message s’affiche indiquant que votre compte est verrouillé, essayez de réinitialiser votre mot de passe Si un message s’affiche indiquant que votre compte est verrouillé parce que vous avez saisi votre mot de passe à usage unique trop de fois sans réussir à vous connecter, vous devez nous appeler au 1 866 246-7262. L’un de nos agents pourra vous aider Une fois inscrit, vous serez automatiquement connecté et l’on vous invitera à confirmer votre courriel. Assurez-vous de confirmer le lien du courriel reçu avant de cliquer ou d’appuyer sur Continuer, sinon vous ne pourrez pas ouvrir une session ","url":"/learning-hub/faqs/login-help/i-cant-access-my-online-account-anymore.-what-do-i-do-to-get-access-to-my-online-account","category":"FAQsCategory"},"d02b8a3f-b399-58de-94bc-380c43dfd438":{"page":"J’ai du mal à créer mon compte en ligne, que dois-je faire?","description":"Afin d’accéder aux services bancaires en ligne, vous devrez vous inscrire en créant un nom d’utilisateur et mot de passe. La configuration de votre compte PC Finance est simple et rapide. Vous pourrez gérer tous vos comptes, faire le suivi de vos récompenses et obtenir de l’aide. Avant de commencer Assurez-vous d’avoir votre carte Mastercard Services financiers le Choix du Président à portée de main Assurez-vous d’avoir accès au courriel associé à votre compte à des fins de vérification Étapes (ordinateur ou appareil mobile) Visitez la page d’inscription et créez un compte bancaire en ligne Si vous avez du mal à répondre aux questions personnelles posées pour confirmer votre compte, n’oubliez pas qu’elles correspondent aux renseignements les plus récents de votre profil Si vous avez du mal à créer un mot de passe, assurez-vous de respecter les exigences en matière de mot de passe indiquées sous le champ Mot de passe et de vous assurer que les trois indicateurs ont tous été cochés Une fois inscrit, vous serez automatiquement connecté et l’on vous invitera à confirmer votre courriel. Assurez-vous de confirmer le lien du courriel reçu avant de cliquer ou d’appuyer sur Continuer, sinon vous ne pourrez pas ouvrir une session ","url":"/learning-hub/faqs/login-help/im-having-issues-with-enrolling-my-online-account-what-do-i-do","category":"FAQsCategory"},"e96684d2-c353-52ee-b9f3-64a746306eb5":{"page":"Comment puis-je changer la langue de l’application mobile PC Finance?","description":"L’application mobile PC Finance est offerte en français et en anglais, et s’ouvre dans la langue de votre appareil. Si la langue de votre appareil n’est ni le français ni l’anglais, l’application s’ouvrira en anglais. Pour changer la langue sur votre appareil, veuillez changer les paramètres de votre appareil. Vous pouvez également avoir accès à notre site sécurisé depuis le navigateur de votre appareil, où vous pourrez choisir le français ou l’anglais sur la page de connexion.","url":"/learning-hub/faqs/getting-started/how-do-i-change-languages-in-the-pc-financial-mobile-app","category":"FAQsCategory"},"6d9a73d5-6271-52c6-a6f5-6ec1aa143dc0":{"page":"Comment puis-je commencer à utiliser l’application mobile PC Finance?","description":"Pour commencer, téléchargez l’application mobile PC Finance sur votre téléphone mobile ou sur votre tablette depuis l’Apple Store ou Google Play. Lorsque l’application est installée, il suffit de vous connecter au moyen de votre nom d’utilisateur et de votre mot de passe Services financiers le Choix du Président ou d’inscrire votre compte en choisissant « S’inscrire ». Si vous possédez un appareil sur lequel il est impossible d’installer l’application mobile PC Finance, vous pouvez avoir accès à votre compte depuis votre navigateur en visitant le site secure.pcfinance.ca. ","url":"/learning-hub/faqs/getting-started/how-do-i-start-using-the-pc-financial-mobile-app","category":"FAQsCategory"},"cccefcbe-c99f-547d-b855-63bca6531726":{"page":"Comment puis-je activer Touch ID, Face ID ou l’authentification biométrique de l’application PC Finance?","description":"L’authentification biométrique est une forme de sécurité qui mesure et compare les caractéristiques biométriques d’un utilisateur, comme Face ID ou Touch ID sur les appareils iOS ou le lecteur d’empreintes digitales sur les appareils Android, en vue de confirmer que la personne qui tente d’accéder à un appareil particulier est autorisée à le faire. Nous sommes heureux d’offrir cette fonctionnalité sur les appareils iOS et Android.\n \nÉtapes pour activer l’authentification biométrique sur un appareil iOS : Connectez-vous à l’application mobile PC Finance. Cliquez sur le menu Plus en appuyant sur les quatre points au bas de votre écran. Cherchez Touch ID ou Face ID dans le menu. Basculez à la position On (glissez vers la droite) et suivez les étapes à l’écran pour activer Touch ID et Face ID. Étapes pour activer l’authentification biométrique sur un appareil Android : Connectez-vous à l’application Android PC Finance. Cliquez sur le menu Plus à l’aide des quatre points au bas de votre écran. Appuyez sur Mon profil et repérez Activation de l’authentification biométrique. Basculez à la position On (glissez vers la droite) et suivez les étapes à l’écran pour activer Empreintes. ","url":"/learning-hub/faqs/getting-started/how-do-i-enable-touch-id-face-id-or-biometric-authentication-for-the-pc-financial-app","category":"FAQsCategory"},"e0b936e2-2f10-5cd0-9715-350712d96d4f":{"page":"Comment puis-je configurer la fonctionnalité Touch ID sur mon appareil Apple?","description":"Pour configurer la fonctionnalité Touch ID sur un appareil Apple compatible, suivez ces étapes : Dans les Réglages, choisissez « Touch ID et code », puis saisissez votre code. Choisissez « Ajouter une empreinte ». Suivez les directives à l’écran pour configurer Touch ID. Chaque fois que vous ouvrez l’application, placez votre doigt sur le bouton principal pour vous assurer d’avoir un accès sécuritaire à votre compte. Si vous ne configurez pas la fonctionnalité Touch ID, vous devrez saisir votre nom d’utilisateur et votre mot de passe chaque fois que vous ouvrirez l’application mobile.","url":"/learning-hub/faqs/getting-started/how-do-i-set-up-my-touch-id-on-my-apple-device","category":"FAQsCategory"},"b69cc098-a15f-5fb8-b088-8bb70b77de9c":{"page":"J’ai reçu par courriel une notification de PC Finance concernant mon compte. S’agit-il d’un courriel légitime?","description":"Si vous recevez un courriel provenant de l’adresse Info@emails.pcbank.ca, il s’agit en effet d’un courriel légitime de la part de Services financiers le Choix du Président. De temps en temps, Services financiers le Choix du Président a besoin de vous faire parvenir des avis importants par courriel concernant votre compte ou votre carte. Veuillez vous assurer que le courriel figurant dans nos dossiers est toujours à jour.\n\nMettre à jour mon courriel\n\nFraude par courriel\nCertains titulaires de carte MastercardMD Services financiers le Choix du PrésidentMD ont récemment reçu un courriel frauduleux, que l’on appelle également courriel d’hameçonnage ou courriel d’usurpation de la marque.\n\nEn général, les courriels frauduleux incitent les clients à cliquer sur un lien, ce qui les mène à un site Web frauduleux qui ressemble au véritable site de l’institution financière — copiant même les logos et les textes de l’institution financière en question. Ensuite, les clients sont invités à entrer leurs renseignements bancaires personnels, permettant ainsi aux fraudeurs de retirer des fonds, d’effectuer des achats ou d’ouvrir au nom du client de nouveaux comptes bancaires et de cartes de crédit. Les messages frauduleux font naître un sentiment d’urgence ou un risque immédiat à l'égard de vos comptes bancaires ou de vos cartes de crédit si vous n’y répondez pas. Des offres et des prix spéciaux peuvent aussi être proposés.\n\nCe que vous devez faire si vous recevez ce type de courriel et que vous n’y avez pas encore répondu Ne répondez pas au courriel, car certains sites d’hameçonnage transmettent des logiciels malveillants et ne cliquez pas sur les liens figurant dans le courriel, car ce faisant, vous pourriez exposer votre ordinateur à des risques. Faites parvenir un courriel à l’adresse pcmcfraudops@pcbank.ca, pour nous permettre de faire enquête. Décrivez l’incident frauduleux, assurez-vous de joindre ou d’inclure tout courriel frauduleux que vous avez reçu, ainsi que le journal de l’incident généré par votre logiciel antivirus ou anti-logiciel espion (le cas échéant). Supprimez définitivement le courriel de votre boîte de messagerie et de vos éléments supprimés ou de votre corbeille. Si vous avez des questions, communiquez directement avec Services financiers le Choix du Président en composant le 1-877-939-3933. ","url":"/learning-hub/faqs/pc-emails/ive-received-a-pc-financial-notification-about-my-account-to-my-email-address-is-this-a-legitimate-email","category":"FAQsCategory"},"ca7648ea-efcb-5159-bc5d-3f7535487965":{"page":"En quoi consiste Voyage PC?","description":"Voyage PC est un site Web offert en exclusivité aux titulaires de carte Mastercard Services financiers le Choix du Président pour effectuer des réservations de voyage. Utilisez votre carte pour récolter jusqu’à 3X plus de points sur vos réservations de voyage. Visitez le site voyagepc.ca pour en savoir davantage.","url":"/learning-hub/faqs/pc-travel/what-is-pc-travel","category":"FAQsCategory"},"0ab2dfb5-c94f-5fce-a87e-ede25b6181ae":{"page":"Puis-je donner mes points PC Optimum à la Fondation?","description":"Oui. Rendez-vous sur PC Optimum ou dans l’application PC Optimum, allez dans la section de vos points, puis choisissez Donnez vos points pour en savoir plus sur la façon de donner vos points à la Fondation.\n\nVous ne recevez pas de reçu pour fins d’impôt si vous faites don de vos points PC Optimum à la Fondation pour les enfants le Choix du Président. Vous recevez un reçu pour fins d’impôt uniquement si vous faites un don en argent à la Fondation.","url":"/learning-hub/faqs/social-responsibility/can-i-donate-my-pc-optimum-points-to-charity","category":"FAQsCategory"},"a2005a5a-e497-57e2-91b2-c273fb360c21":{"page":"Où puis-je me renseigner sur la Fondation pour les enfants le Choix du Président?","description":"Pour en savoir davantage, visitez la page Web de la Fondation pour les enfants le Choix du Président. \n\nVous pouvez aussi appeler au 905 459-2500 ou au numéro sans frais 1 877 525-4762, ou envoyer un courriel à l’adresse pccharity@loblaw.ca pour obtenir de plus amples renseignements.","url":"/learning-hub/faqs/social-responsibility/how-can-i-find-out-more-about-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"996a706c-2872-595a-8774-6d11e704db2d":{"page":"Comment puis-je faire un don à la Fondation pour les enfants le Choix du Président?","description":"Vous pouvez envoyer un don en argent à l’adresse suivante :\nFondation pour les enfants le Choix du Président\n1 President's Choice Circle\nBrampton (Ontario) L6Y 5S5\n\nVous pouvez aussi faire un don en ligne à l’adresse suivante : lechoixdupresident.ca/fondation.","url":"/learning-hub/faqs/social-responsibility/how-can-i-donate-to-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"3209cd8c-458d-537d-820a-9b10c83e4138":{"page":"En quoi consiste la Fondation pour les enfants le Choix du Président?","description":"La Fondation pour les enfants le Choix du Président vise à aider les enfants partout au Canada à réaliser leur plein potentiel. Nous aidons les enfants ayant des besoins particuliers et nous luttons contre la faim chez les enfants par l’entremise de nos programmes de nutrition.\n\nLa fondation croit que la nutrition est essentielle à la santé des enfants et aide à fournir les ressources nécessaires leur permettant d’évoluer au sein d’un meilleur milieu d’apprentissage. Nous luttons contre la faim chez les enfants en agissant à titre de commanditaire national principal du programme « Déjeuner pour apprendre », ainsi que par l’entremise du programme Basic Needs Brighter Future en partenariat avec les clubs Garçons et Filles du Canada.\n\nNous aidons les enfants ayant des besoins particuliers en offrant une aide financière pour l’achat d’équipement spécialisé ou diverses thérapies essentielles. Grâce à des subventions pour les besoins particuliers, la Fondation est en mesure de fournir les ressources nécessaires et d’aider à créer un sentiment d’indépendance, de dignité et de liberté chez les enfants.","url":"/learning-hub/faqs/social-responsibility/what-is-the-presidents-choice-childrens-charity","category":"FAQsCategory"},"01b35ce9-a458-5917-b206-278738c98e04":{"page":"Les points PC Optimum ont-ils une date d’expiration?","description":"Non. Il n’y a aucune date d’expiration pour vos points. Par contre, nous pouvons fermer votre compte si vous ne récoltez pas ou n’échangez pas de points PC Optimum au moins une fois tous les deux ans, ou encore s’il n’y a aucun produit de paiement Services financiers le Choix du Président inscrit à votre compte. Pour en savoir davantage, veuillez consulter les modalités du programme PC Optimum.","url":"/learning-hub/faqs/pc-optimum/do-pc-optimum-points-expire","category":"FAQsCategory"},"f4206e09-4af3-55ce-a9f1-425a3f9c4c95":{"page":"Que dois-je faire si j’ai du mal à me connecter à mon compte PC Optimum?","description":"Il existe quelques raisons pour lesquelles vous pourriez avoir du mal à vous connecter, par exemple, votre compte est désactivé, votre numéro de carte PC Optimum est erroné, votre mot de passe est erroné ou votre compte n’a pas encore été inscrit dans le programme.\n\nAssurez-vous d’inscrire le bon numéro de compte PC Optimum et le bon mot de passe. Si vous avez oublié votre mot de passe, nous pouvons le réinitialiser pour vous. Il suffit de cliquer sur le lien Mot de passe oublié pendant l’ouverture de votre session.\n\nPour tout autre problème, veuillez communiquer avec le service aux membres PC Optimum afin d’obtenir de l’aide ou appeler au 1 866 727-6468.","url":"/learning-hub/faqs/pc-optimum/what-do-i-do-if-i-cant-sign-into-my-pc-optimum-account","category":"FAQsCategory"},"f385c094-d693-59f3-9ac5-84d9ec12f7b6":{"page":"Que dois-je faire si j’ai des problèmes techniques avec mon compte PC Optimum?","description":"Veuillez communiquer avec le service aux membres PC Optimum pour obtenir de l’aide ou appeler au 1 866 727-6468.","url":"/learning-hub/faqs/pc-optimum/im-having-technical-issues-with-my-pc-optimum-account","category":"FAQsCategory"},"e8b0d8a9-76e1-53c4-abd6-8697dfe492b7":{"page":"Pourquoi ai-je du mal à échanger des points en magasin?","description":"Si vous êtes un titulaire autorisé d’une carte Mastercard Services financiers le Choix du Président, vous ne pourrez pas voir le solde de points de votre titulaire principal de carte ni y avoir accès, à moins que celui-ci ait choisi de vous ajouter dans son groupe. Veuillez en parler avec le titulaire principal de carte de votre compte. Renseignez-vous sur la façon de fusionner des points et sur la création d’un groupe ici. Si vous avez toujours du mal à échanger vos points et que vous avez déjà accepté les modalités, veuillez appeler au 1 866 727-6468 pour obtenir de l’aide.\n\n","url":"/learning-hub/faqs/pc-optimum/why-am-i-having-trouble-spending-my-points-in-store","category":"FAQsCategory"},"7b16a707-0a95-5b49-8251-c3f246ed509b":{"page":"Aie-je besoin d’une carte PC Optimum?","description":"Si vous avez une carte Mastercard Services financiers le Choix du Président, celle-ci devient automatiquement votre carte PC Optimum, et ce sera la seule carte dont vous aurez besoin pour récolter et échanger des points dans les magasins participants. Il suffit de créer un compte en ligne sur PC Optimum pour profiter de tous les avantages du programme.","url":"/learning-hub/faqs/pc-optimum/do-i-need-a-pc-optimum-card","category":"FAQsCategory"},"d9b59ad3-e5e6-5cff-8f9b-8118d1ac6ce7":{"page":"Où puis-je obtenir une carte PC Optimum?","description":"Si vous avez une carte Mastercard Services financiers le Choix du Président, celle-ci devient automatiquement votre carte PC Optimum, et ce sera la seule carte dont vous aurez besoin pour récolter et échanger des points dans les magasins participants. Il suffit de créer un compte en ligne sur PC Optimum pour profiter de tous les avantages du programme.","url":"/learning-hub/faqs/pc-optimum/where-can-i-get-a-pc-optimum-card","category":"FAQsCategory"},"7e833bcc-e09c-5c79-940e-9bdda6b3308a":{"page":"Comment puis-je échanger mes points PC Optimum?","description":"Dès que vous avez accumulé 10 000 points PC Optimum, vous pouvez les échanger contre des marchandises gratuites jusqu’à concurrence de 10 $ dans l’un des magasins participants ou en ligne en ligne sur les sites Web GalerieBeaute.ca, JoeFresh.ca. Vous pouvez échanger vos points contre tout achat, jusqu’à concurrence de 500 $. Ainsi, qu’il s’agisse d’épicerie, de cosmétiques ou de produits ménagers, vous disposez de nombreuses options pour échanger vos points.","url":"/learning-hub/faqs/pc-optimum/how-do-i-redeem-my-pc-optimum-points","category":"FAQsCategory"},"22e15c5a-e97e-56be-a45c-cab8b60f4e21":{"page":"Quelle est la valeur des points PC Optimum?","description":"Points PC Optimum peuvent être échangés contre des récompenses dans les magasins participants. Lorsque vous avez accumulé 10 000 points, vous pouvez les échanger contre 10 $ de marchandises gratuites. \r\r\rPoints PC Optimum\r\rValeur de la récompense\r\r\r10 000\r10 $\r\r\r50 000 \r 50 $\r\r\r100 000\r100 $\r\r\r\n\n* Les points PC Optimum n’ont aucune valeur marchande et ne peuvent pas être échangés en espèces. Vous pouvez uniquement échanger vos points en tranches de 10 000 points. Par exemple, si votre solde est de 37 000 points, vous pouvez obtenir un rabais de 30 $. Il vous restera alors de 7 000 points. \n\nLorsque vous numérisez votre carte du programme PC Optimum à la caisse, il suffit de dire au préposé que vous souhaitez utiliser vos points.\n\n","url":"/learning-hub/faqs/pc-optimum/what-are-my-pc-optimum-points-worth","category":"FAQsCategory"},"14ff8b07-800a-507f-9c82-d07dfcd197d7":{"page":"Comment puis-je récolter des points PC Optimum avec ma carte Mastercard Services financiers le Choix du Président?","description":"Cliquez ici pour apprendre comment puis-je récolter des points PC Optimum.","url":"/learning-hub/faqs/pc-optimum/how-do-i-earn-pc-optimum-points-with-my-presidents-choice-financial-mastercard","category":"FAQsCategory"},"5b83bb29-bb7b-5e07-a28f-767970598400":{"page":"En quoi consiste le programme PC Optimum?","description":"Le programme PC Optimum est un programme de fidélisation qui vous permet de récolter des points sur les produits que vous achetez dans les magasins participants et d’accéder à des événements offrant des points en prime. De plus, lorsque vous téléchargez l’application ou créez un compte en ligne, il vous propose également des offres personnalisées juste pour vous. Avec la carte Mastercard Services financiers le Choix du Président, vous récolterez des points PC Optimum sur les achats que vous portez à votre carte, partout où vous magasinez. Mais lorsque vous aurez créé votre compte en ligne de PC Optimum au PC Optimum, vous obtiendrez encore plus d’avantages.\r Voici quelques détails à cet effet :\r En plus des points que vous récoltez avec votre carte Mastercard Services financiers le Choix du Président, vous obtenez encore plus de points en magasin, en ligne, lors d’événements offrant des points en prime, ainsi que par l’entremise d’offres personnalisées si vous créez un compte en ligne sur PC Optimum.\r Exclusivement dans les pharmacies participantes Shoppers Drug Mart et Pharmaprix (au Québec), vous récolterez 15 points PC Optimum supplémentaires par dollar dépensé sur des produits admissibles, ainsi qu’en ligne sur BeautyBoutique.ca ou GalerieBeaute.ca.\r Vous pouvez récolter et échanger des points PC Optimum dans plus de 4 500 magasins participants, y compris les magasins Loblaws, Real Canadian Superstore, No Frills, Joe Fresh, Shoppers Drug Mart et Pharmaprix (au Québec).\r De plus, vous pouvez récolter et échanger des points PC Optimum lorsque vous réglez des achats en ligne sur JoeFresh.ca, lorsque vous commandez des produits d’épicerie par l’entremise de PC Express, et lorsque vous achetez des produits de beauté et de soins de la peau sur BeautyBoutique.ca ou GalerieBeaute.ca.\r Consultez notre localisateur de magasins pour trouver tous les magasins participants de votre région.\r Chaque tranche de 10 000 points PC Optimum équivaut à 10 $ en marchandises gratuites. ","url":"/learning-hub/faqs/pc-optimum/what-is-the-pc-optimum-program","category":"FAQsCategory"},"434c770a-626a-586e-bd89-26e9355164c2":{"page":"How do I open a PC Money™ Account?","description":"Faire une demande d’ouverture de compte PC ArgentMC est simple et rapide. Il suffit de remplir cette demande d’ouverture de compte. Ce que vous devez savoir avant de commencer Résident du Canada : Le compte PC ArgentMC n’est offert qu’aux résidents du Canada Âge de la majorité : Vous devez avoir atteint l’âge de la majorité dans votre province ou dans votre territoire pour remplir une demande Ayez votre numéro d’assurance sociale à portée de main (facultatif) : Fournir votre numéro d’assurance sociale peut aider à accélérer le processus, mais ce n’est pas obligatoire Vous aurez également besoin de fournir des renseignements sur votre profession ou votre statut d’emploi ","url":"/learning-hub/faqs/pc-money-account/how-do-i-open-a-pc-money-account","category":"FAQsCategory"},"42c1d66c-4b67-58f4-8004-a730fc066aa2":{"page":"Quelle est la différence entre un compte PC ArgentMC et une carte conventionnelle de débit?","description":"Le compte PC ArgentMC est un compte libre-service en ligne de gestion d’argent. Cela signifie que vous pouvez payer des factures (y compris utiliser les prélèvements automatiques pour des dépenses comme l’abonnement à un centre de conditionnement ou pour payer les factures de services publics) et effectuer des transferts de fonds interbancaires. Vous récoltez des points PC Optimum chaque fois que vous utilisez votre carte pour effectuer un achat en ligne ou en magasin. Vous pouvez utiliser la carte de votre compte partout où l’on accepte la carte MastercardMD, y compris en ligne et lorsque vous voyagez à l’étranger. Vous ne pouvez toutefois pas libeller ni déposer de chèques, ni utiliser votre carte auprès de commerçants qui n’acceptent pas les paiements par MastercardMD","url":"/learning-hub/faqs/pc-money-account/how-does-the-pc-money-account-differ-from-a-conventional-debit-account","category":"FAQsCategory"},"b1f6157a-74c0-5dda-b668-429845c149a2":{"page":"Avis important concernant votre carte prépayée MastercardMD PC Finance?","description":"Le programme de cartes prépayées MastercardMD PC Finance a été interrompu, et ce, depuis le 3 octobre 2016, date à partir de laquelle le dit programme n'est plus accessible pour régler des achats. Pour demander le remboursement d’un solde, veuillez composer le 1 866 279 5603.","url":"/learning-hub/faqs/prepaid-mastercard/important-information-regarding-your-pc-financial-prepaid-mastercard","category":"FAQsCategory"},"df1500c3-6799-5524-8b32-cc26a1f1a2f1":{"page":"Comment puis-je payer mon compte Mastercard Services financiers le Choix du Président?","description":"Vous disposez de trois moyens pour payer votre compte Mastercard Services financiers le Choix du Président : En ligne, par téléphone ou au guichet automatique : Les paiements électroniques sont l’option la plus rapide et la plus pratique pour vous. Les paiements effectués par Internet, au téléphone et à un guichet automatique dans la plupart des établissements financiers sont portés à votre compte le jour même, si vous effectuez votre paiement un jour ouvrable avant 17 h (heure normale du Centre). Il faut prévoir de 2 à 3 jours ouvrables avant que le paiement figure sur votre relevé électronique. Par la poste : Postez votre enveloppe à l’adresse suivante : Mastercard Services financiers le Choix du Président, C.P. 4405, Succursale A, Toronto (Ontario) M5W 5Y6. Assurez-vous d’y inclure la partie supérieure de votre relevé, ainsi que votre chèque ou mandat-poste à l’ordre de « Mastercard Services financiers le Choix du Président ». Prévoyez un délai de 7 à 10 jours ouvrables avant qu’un paiement transmis par Postes Canada ne parvienne chez Mastercard Services financiers le Choix du Président. Les paiements sont portés à votre compte le jour où Mastercard Services financiers le Choix du Président les reçoit; veuillez donc prévoir suffisamment de temps à l’acheminement de vos paiements. Dans une succursale bancaire : Si vous effectuez vos transactions bancaires à l’une des institutions financières suivantes, vous pouvez effectuer vos paiements à votre succursale locale (ou à l’un de ses guichets automatiques, le cas échéant). Les titulaires de carte peuvent effectuer leur paiement en succursale ou au comptoir aux institutions financières suivantes, cependant même si elles les acceptent, elles peuvent exiger des frais d’utilisation de ces services. Ces services sont offerts à la discrétion des institutions financières et vous devez prévoir jusqu’à 10 jours ouvrables avant que Mastercard Services financiers le Choix du Président ne reçoive votre paiement. Les paiements sont appliqués au compte du titulaire le jour où Mastercard Services financiers le Choix du Président reçoit l’avis de paiement. ATB Financial Banque de Montréal1 Banque Canadienne Impériale de Commerce1 Banque de la Nouvelle-Écosse Banque Laurentienne1 Banque Nationale1 Banque Scotia HSBC RBC Groupe financier TD Canada Trust La plupart des coopératives de crédit 1 Si vous n’êtes pas un client de cette institution émettrice de cartes Mastercard, vous pouvez quand même effectuer un paiement dans l’une de ses succursales.\n\n \n\n","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-pay-my-pc-financial-mastercard-account","category":"FAQsCategory"},"71fee192-ebcc-523b-924e-8f0902352b74":{"page":"Comment puis-je obtenir l’assurance protection de solde?","description":"Vous disposez de plusieurs moyens pour obtenir l’assurance protection de solde. \n \n Durant le processus d’adhésion à la carte de crédit en ligne\n Vous pouvez vous inscrire à ce service lors de votre demande d’adhésion à la carte.\n \n Par l’entremise de votre compte en ligne Services financiers le Choix du Président\n Si vous souhaitez ajouter cette assurance à votre carte de crédit actuelle et que vous avez un compte en ligne, vous pouvez demander l’ajout de l’assurance protection de solde en cliquant sur Comptes et cartes, puis en sélectionnant la carte sur laquelle ajouter le produit. Assurez-vous d’avoir basculé à Compte et d’avoir trouvé le bouton Assurance protection de solde pour faire une demande en ligne.","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-apply-for-account-balance-protection","category":"FAQsCategory"},"c5f759b7-6b1f-5497-b8b0-7dc2165f7e1a":{"page":"Combien faut-il prévoir de temps avant de recevoir ma nouvelle carte Mastercard Services financiers le Choix du Président?","description":"À partir du moment où nous recevons votre demande, il faut prévoir environ 5 à 7 jours ouvrables avant de recevoir votre nouvelle carte. La carte est livrée avec une trousse de bienvenue qui comprend les éléments suivants : votre carte Mastercard Services financiers le Choix du Président, votre entente avec le titulaire de carte, votre certificat d’assurance, un guide des avantages qui explique tous les avantages associés à votre nouvelle carte, ainsi que d’autres renseignements pratiques qui vous aideront à tirer parti le meilleur de votre nouvelle carte.","url":"/learning-hub/faqs/pc-mastercard-application/when-can-i-expect-to-receive-my-new-presidents-choice-financial-mastercard","category":"FAQsCategory"},"51d596b1-2bc1-5a6a-a0be-673fdc5cc2a0":{"page":"Comment puis-je faire une demande d’adhésion à la carte Mastercard Services financiers le Choix du Président?","description":"Faites une demande en ligne dès maintenant Présentez-vous dans l’un des endroits participants ayant un pavillon Services financiers le Choix du Président ou un représentant en magasin ","url":"/learning-hub/faqs/pc-mastercard-application/how-do-i-apply-for-a-presidents-choice-financial-mastercard","category":"FAQsCategory"},"e8cbdf5a-d4fe-50f5-9232-23676abb75f4":{"page":"Pourquoi devrais-je me procurer une carte Mastercard Services financiers le Choix du Président?","description":"La carte MastercardMD Services financiers le Choix du PrésidentMD est le moyen le plus rapide de récolter des points PC Optimum. C’est très simple, plus vous utilisez votre carte, plus vous récoltez de points. Chaque tranche de 10 000 points PC Optimum équivaut à 10 $ de marchandises gratuites dans plus de 4 500 magasins participants, y compris les magasins Loblaws, Real Canadian Superstore, No Frills, Joe Fresh et Pharmaprix. Consultez notre localisateur de magasins pour trouver tous les magasins participants de votre région. Le tout sans frais annuels!\n\nVotre carte est livrée avec une trousse de bienvenue comprenant les éléments suivants : votre carte Mastercard Services financiers le Choix du Président, votre entente avec le titulaire de carte, votre certificat d’assurance, un guide des avantages qui explique tous les avantages associés à votre nouvelle carte, ainsi que d’autres renseignements pratiques qui vous aideront à tirer parti le meilleur de votre nouvelle carte.","url":"/learning-hub/faqs/pc-mastercard-application/why-should-i-get-a-presidents-choice-financial-mastercard","category":"FAQsCategory"},"51c6b169-1f11-5e26-89fa-c5c1f2641770":{"page":"Comment puis-je annuler le paiement d’une facture?","description":"Vous pouvez annuler le paiement d’une facture depuis votre compte PC ArgentMC jusqu’au moment il doit s’effectuer en vous connectant à votre compte en ligne. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez Payer des factures Cliquez sur Transactions programmées et en suspens Cliquez sur la transaction que vous souhaitez annuler Cliquez sur Annuler ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-cancel-a-bill-payment","category":"FAQsCategory"},"c7bd5868-380c-5164-9549-b51e3f546d6a":{"page":"Comment puis-je configurer le paiement futur d’une facture?","description":"Vous pouvez annuler le paiement d’une facture depuis votre compte PC ArgentMC jusqu’au moment il doit s’effectuer en vous connectant à votre compte en ligne. Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez Payer des factures Cliquez sur Transactions programmées et en suspens Cliquez sur la transaction que vous souhaitez annuler Cliquez sur Annuler ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-set-up-a-future-dated-bill-payment","category":"FAQsCategory"},"c7a16cae-eb13-5a42-a2e8-ea63edb7bb4e":{"page":"Comment puis-je payer une facture?","description":"Vous pouvez payer des factures depuis votre compte PC ArgentMC Étapes Connectez-vous à votre compte en ligne Services financiers le Choix du Président ou depuis l’application mobile Cliquez sur le bouton Payer et transférer (le « + » dans l’application mobile) Cliquez Payer des factures Sélectionnez le fournisseur que vous souhaitez payer Sélectionnez le montant, la date et la fréquence du paiement que vous souhaitez effectuer Confirmez votre paiement ","url":"/learning-hub/faqs/pc-money-account-101/how-do-i-pay-a-bill","category":"FAQsCategory"},"2a119b22-444f-5c21-b457-56bc89b2f0a2":{"page":"En quoi consiste un groupe PC Optimum?","description":"Comme membre du programme PC Optimum, vous pouvez fusionner vos points avec ceux de près de 9 autres membres du programme, ce qui portera le total du groupe à 10 membres. Il n’est pas nécessaire que les membres du groupe soient des clients de Services financiers le Choix du Président. Cette fusion de points s’appelle un groupe. Tous les membres d’un groupe peuvent ajouter leurs points au total du groupe, et tous les membres ont la possibilité d’échanger les points accumulés dans le groupe.\n\nVous ne pouvez vous joindre à un groupe que si un membre du programme PC Optimum vous y invite. Créer un groupe est très simple. Visitez le site PC Optimum, allez dans Mon compte, choisissez Groupe, puis suivez les directives pour inviter jusqu’à 9 autres membres du programme PC Optimum à fusionner leurs points avec les vôtres.\n\nLorsque vous vous joignez à un groupe, tous les points PC Optimum de votre compte sont fusionnés avec les points de tous les membres du groupe. Chaque membre du groupe peut, à son entière discrétion, échanger quelques points PC Optimum, ou tous les points détenus par le groupe en question, y compris les points récoltés par les autres membres du groupe.\n\nVous ne pouvez pas retirer une personne d’un groupe une fois qu’elle a accepté de s’y joindre. Toutefois, vous pouvez sortir d’un groupe en tout temps.\n\nLorsqu’une personne sort d’un groupe, elle emporte avec elle sa part de points, laquelle est calculée en fonction de sa contribution ou de ses échanges de points par rapport au montant total de points fusionnés du groupe. Avant de sortir d’un groupe, un membre aura la possibilité de connaître le montant de points en question.\n\nLa partie totale des échanges attribués au membre qui sort du groupe sera soustraite du total de points qu’il aura récoltés.","url":"/learning-hub/faqs/pc-optimum/what-is-a-pc-optimum-household","category":"FAQsCategory"},"c2333b0d-8322-5ec7-b712-13a0fcd5e625":{"page":"En quoi consistent les offres personnalisées du programme PC Optimum?","description":"Lorsque vous inscrivez votre carte Mastercard Services financiers le Choix du Président sur PC Optimum et que vous utilisez votre carte à la caisse de l’un des magasins participants, le programme personnalise vos offres en fonction des produits que vous avez achetés.","url":"/learning-hub/faqs/pc-optimum/what-are-pc-optimum-personalized-offers","category":"FAQsCategory"},"2a7ee13a-3808-5df9-a2cb-b935271fad73":{"page":"Puis-je transférer mes points PC Optimum à une autre personne?","description":"Non. Les points ne sont pas transférables entre les membres à l’heure actuelle. Vous pouvez toutefois créer un groupe sur PC Optimum, et les points de chaque membre seront ajoutés dans le compte du groupe.","url":"/learning-hub/faqs/pc-optimum/can-i-transfer-my-pc-optimum-points-to-someone-else","category":"FAQsCategory"},"80d4004d-fb7f-5482-a371-f4a1433d1d8c":{"page":"Loblaw Customers Join Together to Support Fort McMurray Residents, Donating More Than $120,000 and More than 1.6 Million Shoppers Optimum Points","description":"*Loblaw Companies commits an additional $300,000 in support for fire relief efforts*\n\n(__BRAMPTON, May 5, 2016__) - Loblaw Companies Ltd has committed $300,000 in support for relief efforts in Fort McMurray, including cash donations, and provisions of essential food and health supplies. In addition, in less than 24-hours, customers in stores across the country have donated more than $120,000 and 1.6 million Shoppers Optimum points to help displaced residents.\n\n“Our thoughts are with our colleagues, customers and those living in and around the Fort McMurray area,” said Bob Chant, Senior Vice President, Corporate Affairs, Loblaw. “During times of tragedy, Canadians band together to support our neighbours and we are overwhelmed at our customers’ generosity so far.”\n\nThe company has committed to a cash donation of $150,000 to the Canadian Red Cross. Additionally, through its network of more than 2,400 stores across the country, Loblaw has mobilized a disaster relief effort in each of its businesses to provide comprehensive support to those in Fort McMurray:\n\n- __Loblaw grocery__ is providing essential food, water, and pet food to emergency shelters and to the Canadian Red Cross, and has enabled customers wishing to support to donate in store.\n- __Shoppers Drug Mart__ will match the donation of Shoppers Optimum points, to a maximum of $25,000. The donated points will go toward required health and beauty products.\n- __PC Financial__ will provide special treatment on lending and credit card product payments as well as crediting client accounts for any fees caused by overdrafts, insufficient funds, or use of non-PC Financial bank machines.\n- __PC Insurance’s__ underwriters have catastrophe teams on the ground – affected customers to call 1.877.251.8656 for claim information\n\nThe company will continue to work closely with the Canadian Red Cross and local government officials to get supplies to residents and support their resettlement.\n\n__About Loblaw Companies Limited (TSX: L)__\n\n\nLoblaw Companies Limited is Canada’s food and pharmacy leader, the nation’s largest retailer, and the majority unitholder of Choice Properties Real Estate Investment Trust. Loblaw provides Canadians with grocery, pharmacy, health and beauty, apparel, general merchandise, banking, and wireless mobile products and services. With more than 2,300 corporate, franchised and Associate-owned locations, Loblaw, its franchisees, and Associate-owners employ approximately 192,000 full- and part-time employees, making it one of Canada’s largest private sector employers.\n\nLoblaw’s purpose – *Live Life Well* – puts first the needs and well-being of Canadians who make one billion transactions annually in the company’s stores. Loblaw is positioned to meet and exceed those needs in many ways: convenient locations; more than 1,050 grocery stores that span the value spectrum from discount to specialty; full-service pharmacies at more than 1,250 Shoppers Drug Mart and Pharmaprix locations and more than 500 Loblaw locations; no-fee banking with PC Financial; affordable Joe Fresh fashion and family apparel; and three of Canada’s top consumer brands in Life Brand®, no name® and President’s Choice®. Through the PC Plus™ and Shoppers Optimum® loyalty programs, more than one in every three Canadians are rewarded for shopping with the companies.\n\nFor more information, contact:\n\n[Email: pr@loblaw.ca](mailto:pr@loblaw.ca)\n\n[Call: 905-459-2500](tel:9054592500)","url":"/media-centre/loblaw-customers-join-together-to-support-fort-mcmurray","category":"AllCategory"},"bf2ba101-bbf9-5d25-89e1-3f93dffdc47d":{"page":"Does Mother Know Best?","description":"*Mother’s Day Survey conducted for President’s Choice Financial reveals the brains behind Canadian family finances*\n\n__Toronto, Ontario – May 7, 2012__ – Who’s running the show in the typical Canadian household? A new Mother’s Day survey released today shows that women can claim the title of ‘Chief Financial Officer’ in most families.\n\nWhile moms are the often unsung heroes keeping Canadian families running like a well-oiled machine, we may take some of their duties for granted. Results of this new poll, conducted for *__President’s Choice Financial__* by Leger Marketing in late April, found that while a majority of Canadians (56%) identify a male figure as “head of the household,” 41% say that it is a woman who is responsible for managing day-to-day household expenses and bills. That compares with only 33% of respondents who cited a man and 22% who said family-finance duties are evenly split.\n\nAccording to the survey, the first installment in a series about the Canadian family commissioned by *__President’s Choice Financial__*, it appears that mother does still know best. Many respondents said that when they were growing up their mother took responsibility for managing the household expenses and bills (42.8%), as opposed to their father (29.3%) or an equal split between the two (24.2%).\n\nAmong the poll’s other findings:\n\n- In another indication that mom manages the family finances, children are considerably more likely to ask their mother for money than their fathers. When parents were asked if their kids were more likely to go to the “other parent” when they want money, men were more likely to say that was the case (31%), while women were more likely to disagree (66%); and 53.1% of parents said that they do give their children an allowance.\n- “Research shows us that women and mothers, in addition to their day-to-day responsibilities, continue to play a key role when it comes to keeping the family finances on track,” said Barry Columb, President of *__President’s Choice Financial__*. “At PC Financial, we’re committed to helping provide Canadian families with the products and information they need to attain their financial goals.”\n\nAs part of this ongoing commitment to the Canadian family, *__President’s Choice Financial__* today announced it is teaming up with author, speaker and parenting expert Kathy Buckworth, who will serve as its first *Chief Family Advisor*.\n\nBuckworth, an accomplished mother of four will help President’s Choice Financial advocate for consumers and educate Canadians about managing their money and realizing their long-term financial goals.\n\nBuckworth, the author of six books, including I Am So the Boss of You, to be released next spring by McClelland & Stewart, is an award-winning writer who’s known to many Canadians as a regular parenting correspondent for a variety of national daytime and news television programs. She was named one of the “Top Parents to Follow on Twitter” by Canadian Parents, and one of the country’s “Top Home-grown Bloggers” by a leading Canadian lifestyle publication.\n\n“As a busy mom and businesswoman, I understand the challenges facing the modern family,” said Buckworth. “I’m very excited to work with President’s Choice Financial, as they continue to find new ways to help Canadians navigate their everyday financial needs.”","url":"/media-centre/does-mother-know-best","category":"AllCategory"},"a5246f54-7fee-52d6-a7ae-6e02803f8a4b":{"page":"Is Canada a Celebration Nation","description":"__From first license to first tooth, Canadians keen to fete modest milestones__\n\n*75% would throw a party for life’s everyday events; 41% cite loyalty points as a way to pay for it*\n\n(__Toronto, Ontario – October 14, 2014__) - Wild and extravagant are terms not typically used to describe Canadians, but a new poll finds that three-quarters of us would throw a party to celebrate at least one of life’s smaller events.\n\nThe Leger survey, conducted for President’s Choice Financial® services, found that the top non-traditional events Canadians consider worth celebrating include a first driver’s license (41 per cent); a child’s first step, tooth or day at school (27 per cent); a first pay cheque (26 per cent); and even a divorce (18 per cent).\n\n“Canadians are continuously looking for reasons to celebrate the everyday — and you can, by making smart spending choices,” said Kathy Buckworth, author, parent and Chief Family Advisor for President’s Choice Financial®. “As a mother of four, making my budget stretch to cover every family ‘first’ is a challenge. Staying on budget is a priority, but I’ve found creative ways to make my money work for me, such as redeeming the PC points earned with my PC Financial Mastercard.”\n\n__Canadians love to party – but how do we pay for it?__\n\n\nWhile 62 per cent of Canadians surveyed have a credit card that offers loyalty reward points, a majority of these cardholders said they redeem their points only once a year.\n\n“With a PC Financial Mastercard, Canadians have the opportunity to collect and redeem PC points fast, for a variety of items – right where they buy groceries,” said Barry Columb, President of PC Bank. “Earning PC points on each dollar spent, everywhere, helps our customers afford more of life’s little pleasures – no matter what the event. It’s our way of helping to simplify and improve their lives.”\n\n__Other key survey findings include:__\n\n\n- Eighty-nine per cent of Canadian credit cardholders prefer to redeem their loyalty points for themselves or their families;\n- Vacations (43 per cent), groceries (40 per cent) and entertainment (26 per cent) are the three most common things Canadians redeem their loyalty points for;\n- Women are more likely to use their loyalty points to buy practical, every-day items versus men (32 per cent vs. 25 per cent), who tend to spend their points on vacations and entertainment (39 per cent vs. 31 per cent); and\n- Eight per cent of those surveyed would celebrate a first date and while 18 per cent consider a divorce worth celebrating, only one per cent said they’d throw a party to celebrate an engagement.\n\nTo date, Canadians have redeemed more than $100 million in PC points, in addition to enjoying the great value offered by President’s Choice Financial® services for their everyday financial needs.\n\n__About the survey__\n\n\nThe survey of 1502 Canadians was completed online between September 2 and September 4, 2014 using Leger’s online panel, LegerWeb. A probability sample of the same size would yield a margin of error of +/- 2.5%, 19 times out of 20.\n\n__About President’s Choice Financial__\n\n\nPresident's Choice Financial® services are a unique financial service offering designed by Loblaw Companies Limited. President’s Choice Bank provides the President’s Choice Financial® Mastercard®. For more information visit [www.pcfinancial.ca](https://www.pcfinancial.ca/ \"www.pcfinancial.ca\") or follow us on [Facebook](https://www.facebook.com/PCFinancial \"Facebook\"), Twitter [@pcfinancial](https://twitter.com/pcfinancial \"@pcfinancial\") and [YouTube](http://www.youtube.com/user/PCFinancial \"YouTube\").\n\n__About Loblaw Companies Limited (TSX: L)__\n\n\nLoblaw Companies Limited is Canada's food and pharmacy leader, the nation's largest retailer, and the majority unit holder of Choice Properties Real Estate Investment Trust. Loblaw provides Canadians with grocery, pharmacy, health and beauty, apparel, general merchandise, banking, and wireless mobile products and services. With more than 2,300 corporate, franchised and Associate-owned locations, Loblaw, its franchisees, and Associate-owners employ approximately 192,000 full- and part-time employees, making it one of Canada's largest private sector employers. Loblaw's purpose - *Live Life Well* - puts first the needs and well-being of Canadians who make one billion transactions annually in the companies' stores. Loblaw is positioned to meet and exceed those needs in many ways: convenient locations; more than 1,050 grocery stores that span the value spectrum from discount to specialty; full-service pharmacies at more than 1,250 Shoppers Drug Mart® and Pharmaprix® locations and more than 500 Loblaw locations; PC Financial® no-fee banking; affordable Joe Fresh® fashion and family apparel; and three of Canada's top consumer brands in Life Brand®, no name® and President's Choice®. Through the PC Plus™ and Shoppers Optimum® loyalty programs, more than one in every three Canadians are rewarded for shopping with the companies.","url":"/media-centre/is-canada-a-celebration-nation","category":"AllCategory"},"cb547a10-bfa1-5677-9db2-ee46dfabb7b3":{"page":"President's Choice Financial® Offers Digital Payment to Customers with Apple Pay","description":"__Toronto, Ontario (August 2nd, 2016)__ - (TSX:L) - PC Financial®, a division of Loblaw Companies Limited, announced the availability of Apple Pay today, offering PC Financial Mastercard customers further choice, security and convenience with the ability to use iPhone, iPad or Apple Watch to make seamless purchases.\n\n“We know the PC Financial® customer wants simplicity, convenience and, most importantly, security when making a payment, and we look forward to offering Apple Pay as a digital option that delivers on all of these values,” says Barry Columb, President, PC Bank.\n\nLoblaw accepts Apple Pay in all of its grocery and drug store locations nationwide. The PC Financial® Mastercard® portfolio gives customers the benefit of the PC Plus® loyalty program and will continue to offer PC®points on every dollar spent when using the digital PC Financial® World Elite Mastercard® and PC Financial® Mastercard®. The PC Financial® World Elite Mastercard® is a no annual fee premium card that rewards Canadians for everyday purchases.\n\nSecurity and privacy is at the core of Apple Pay. When you use a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on your device. Each transaction is authorized with a one-time unique dynamic security code.\n\nApple Pay is easy to set up and users will continue to receive all of the rewards and benefits offered by credit and debit cards. In stores, Apple Pay works with iPhone SE, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus and Apple Watch.\n\nFor more information about Apple Pay, visit [http://apple.com/ca/apple-pay](http://apple.com/ca/apple-pay \"http://apple.com/ca/apple-pay\")","url":"/media-centre/apple-pay","category":"AllCategory"},"7b5eddf9-8903-5234-9312-ff0484aea5ce":{"page":"Clever Canucks Earn Free Food Fast with PC Financial® Mastercard®","description":"*PC Financial Mastercard celebrates ten years with 'Become a PC points Millionaire' contest*\n\n__Toronto, ON: April 11, 2011__ – Over the last decade, President's Choice Financial® has helped Canadians earn almost three quarters of a billion dollars in free groceries and rewards. Now, with the ten-year anniversary of its PC Financial Mastercard in the market, the company is celebrating with a series of special offers, contests and promotions to help Canadians save even more.\n\nThe year-long campaign kicks off today with the launch of the '__Become a PC® points Millionaire__' contest, which will induct ten lucky Canadians into the PC points millionaire club.\n\n\"We know that Canadians are interested in smart ways to save money that also can bring value and benefit to their lifestyle, \"says Barry Columb, CEO of President's Choice Financial. \"Clipping coupons, watching for sales and using a no-annual-fee, rewards-based credit card like the PC Financial Mastercard, are all simple but effective everyday solutions that can really add up over the course of a year.\"\n\nThe contest, which begins today and runs until May 30, 2011, will see ten winners receive one million PC points each. That's enough for each winner to redeem for $1,000 of free groceries, Joe Fresh Style® fashions and almost any other item sold at participating Loblaw Companies Limited stores.\n\nAs Canadians look for new ways to do more with less, smart shoppers continue to rely on their PC points. Since 2005, PC points redemptions have increased by approximately 15 per cent. \n\n\"While some rewards-based cards see customers save points for many years to redeem for travel or other big ticket items, at PC Financial, our customers love the fact that they can redeem their points on a regular basis for food items and household products,\" added Columb. \"Points can be redeemed for just about anything we sell in our stores, from bananas and broccoli to patio furniture and gift cards. Customers don't have to choose from a limited number of items in a catalogue – we make it easy for cardholders to select products, redeem points and save money in their everyday lives.\"\n\n__Background__
\nSince the card's launch in 2001, the no-annual-fee President's Choice Financial Mastercard has grown in popularity to become one of Canada's most popular credit cards. Since the PC points program began in 1998, customers have redeemed points for almost $750 million dollars in free groceries and rewards.\n\nCardholders acquire 10 PC points for every dollar spent on their PC Mastercard, which can then be redeemed for items at stores where President's Choice products are sold, including Loblaws, Real Canadian Superstore, Zehrs, nofrills, Fortino's and Your Independent Grocer locations. PC points are easy to redeem at the store checkout – a minimum of 20,000 points (worth $20 in rewards) is required for redemption, or higher amounts in further increments of 10,000 PC points (additional $10). PC points can also be redeemed for T & T Supermarket gift cards.\n\n__Quotes__
\nHere's what a few of our loyal President's Choice Financial® Mastercard® customers had to say:\n\n> \"I buy Zehr's gift cards with my points for my two 'starving student' away-at-school kids. Also have used them to buy prizes for different charity raffles. Just love my PC MasterCard!\"\n> Wendy\n\n> \"We put everything on our PC MasterCard and redeem about $800 towards free groceries every year! Then we use what we budgeted for groceries on anything we want - such an awesome treat! Yay PC!\"\n> Sarah\n\n\n\n__PC points by the numbers:__\n\n| | |\n| ---------- | ---------- |\n| Almost $750 million: | Value of free groceries and rewards redeemed since 1998 through PC points program |\n| Approximately 2,200 | Number of PC points millionaires (current PC points balance over one million) |\n| Approximately 15 percent: | Increase in redemption rates of PC since 2005 |\n| December 23, 2010 | Biggest single day for PC points redemptions in 2010 |\n\n\n__About Loblaw Companies Limited__
\nLoblaw Companies Limited, a subsidiary of George Weston Limited, is Canada's largest food distributor and a leading provider of drugstore, general merchandise and financial products and services. Loblaw is one of the largest private sector employers in Canada. With more than 1,000 corporate and franchised stores from coast to coast, Loblaw and its franchisees employ more than 136,000 full-time and part-time employees. Through its portfolio of store formats, Loblaw is committed to providing Canadians with a wide, growing and successful range of products and services to meet the everyday household demands of Canadian consumers. Loblaw is known for the quality, innovation and value of its food offering. It offers Canada's strongest control (private) label program, including the unique President's Choice®, no name® and Joe Fresh Style® brands.\n\n__In addition, the Company makes available to consumers President's Choice Financial® services and offers the PC® points loyalty program.__","url":"/media-centre/become-a-pc-points-millionaire-contest","category":"AllCategory"},"65afe1e8-2a76-5bcc-8f9d-f55ad865e3a8":{"page":"PC Financial® Mastercard® Launches Exclusive New Travel Service","description":"*Customers can now enjoy an exclusive benefit while earning double the regular PC® points on travel services*\n\n(__Toronto, Ontario – September 23, 2014__) - President’s Choice Finanical® Mastercard® today announced it has launched PC™ travel services, an exclusive travel benefit for cardholders only. This premium service offers cardholders an extensive range of travel options at competitive prices, while also allowing them to earn double the regular PC® points.\n\nPC Financial Mastercard customers are invited to access this premium service online, at [www.pctravel.ca](http://www.pctravel.ca/ \"www.pctravel.ca\") or through the PC™ travel services call centre - where a knowledgeable travel expert can help book travel needs including flights, hotels, car rentals and more.\n\n“Our customers are some of the most loyal out there, so we’re always looking for new ways to recognize and reward that behaviour. With PC travel services, customers will have a simple and better experience when booking their next holiday or travel adventure,” said Barry Columb, President of PC Bank. “Even better, they will earn double the regular PC points on all travel purchases. Now that’s just good banking!","url":"/media-centre/pc-travel","category":"AllCategory"},"0154be04-5e05-53b3-a916-adeb2f983f4b":{"page":"Mastercard Services financiers le Choix du Président","description":"Récoltez des points PC Optimum pour chaque achat réglé avec la carte Mastercard Le de PC Finance. Faites une demande de carte dès aujourd’hui!","url":"/credit-cards/pc-mastercard/","category":"ProductCategory"},"4ac07786-e65f-5015-8cd3-d994a23845e4":{"page":"World Mastercard Services financiers le Choix du Président","description":"Tirez le maximum de votre carte World Mastercard PC Finance. Obtenez des points PC Optimium contre chaque dollar dépensé, à convertir en récompenses gratuites.","url":"/credit-cards/world-mastercard/","category":"ProductCategory"},"bf9f09b7-5883-5650-80a6-cf0a5c17781f":{"page":"World Elite Mastercard Services financiers le Choix du Président","description":"Récoltez des points PC Optimum partout grâce à la carte World Elite Mastercard PC Finance. Faites votre demande dès aujourd’hui!","url":"/credit-cards/world-elite/","category":"ProductCategory"},"6fadf8a3-6839-5ad0-83eb-4a1914403383":{"page":" La vente liée coercitive","description":"La Loi sur les banques (Canada) exige de toutes les banques qu’elles informent les consommateurs, dans un langage simple, que la vente liée avec coercition constitue une pratique illégale. L’article 459.1 de la Loi sur les banques interdit aux banques d’exercer des pressions indues pour forcer une personne à se procurer un produit ou service auprès de la banque ou d’une entité de son groupe, pour obtenir un autre produit ou service de la banque. La Banque le Choix du Président a créé cette page pour vous informer sur les sujets suivants :\n\n- ce qu’est la vente liée avec coercition,\n- ce qui n’est pas de la vente liée avec coercition et\n- comment communiquer avec nous si vous avez des questions, des plaintes ou des préoccupations concernant la vente liée avec coercition.\n\n__Qu’est-ce que la vente liée avec coercition?__\n\nIl y a vente liée avec coercition lorsqu’un consommateur subit des pressions indues pour acheter d’une banque ou d’une entité de son groupe un produit ou service dont il ne veut pas comme condition d’obtention d’un autre produit ou service de la banque.\n\n> Par exemple, il n’est pas permis à une banque de vous aviser que votre demande de carte de crédit est approuvée seulement si vous transférez aussi tous vos placements à la banque.\n\nCette pratique contrevient à la loi. Si vous remplissez les critères d’admissibilité d’un produit ou service offert par une banque au Canada, il est interdit au représentant de la banque d’exercer des pressions indues sur vous pour que vous achetiez un autre produit ou service dont vous ne voulez pas, comme condition d’obtention du produit ou service que vous voulez.\n\n__Qu’est-ce qui n’est pas de la vente liée avec coercition?__\n\nPrésenter des offres spéciales aux clients ou leur offrir des forfaits pour les remercier de leur fidélité pourrait être confondu avec la vente liée. Les prix de faveur et les offres groupées de produits et services sont des pratiques courantes qui peuvent être confondues avec la vente liée.\n\nPrix de faveur :\n\n> Il s’agit du cas où une entreprise offre un meilleur prix ou taux à un client pour le remercier de sa fidélité. Par exemple, un magasin peut vous offrir un rabais si vous achetez plus d’un article tout comme une banque peut vous offrir un taux d’intérêt inférieur sur un prêt si vous avez recours à plusieurs de ses produits ou services.\n\nOffre groupée de produits et services :\n\nIl s’agit du cas où une entreprise regroupe divers produits ou services dans un forfait, offrant ainsi aux clients de meilleurs prix, des incitatifs ou des modalités plus favorables que s’ils étaient achetés séparément. Par exemple, une chaîne de restauration rapide peut offrir un repas combiné qui comprend un hamburger, une frite et une boisson à un prix total moindre que si vous achetiez les trois éléments séparément. De la même façon, une banque peut vous offrir des produits financiers groupés à de meilleurs taux ou prix que ceux qui s’appliqueraient aux produits individuels.\n\nIl est permis de grouper des produits de cette façon parce que vous avez le choix d’acheter les éléments séparément ou dans un forfait.\n\n__Quel est notre engagement envers vous?__\n\nNous nous attendons à ce que tous les employés de la Banque le Choix du Président respectent la loi en ne pratiquant pas la vente liée avec coercition. Nous donnons à nos employés de l’information et de la formation sur les pratiques de vente acceptables. Nous vous incitons fortement à nous aviser si vous croyez avoir été l’objet de vente liée avec coercition dans vos relations avec nous.\n\n__Nous joindre__\n\nSi vous avez des questions, des plaintes ou des préoccupations, communiquez avec la Banque le Choix du Président :\n\nPar téléphone, sans frais : [1 866 246-PCMC (7262)][1]\n\nService pour les personnes ayant une déficience auditive : [1 855 223-3499 (ATS seulement)][2]\n\nPar courriel : [talktous@pcmastercard.pcfinancial.ca][3]\n\nPar la poste :\nMastercard Services financiers le Choix du Président\nP.O. Box 4403, STN A, Dept. 5114\nToronto (Ontario) M5W 5Y4\n\n[1]: tel:18662467262\n[2]: tel:18552233499\n[3]: mailto:talktous@pcmastercard.pcfinancial.ca","url":"/legal-stuff/about-tied-selling/","category":"AllCategory"},"27a7306b-b1c4-5a7f-aca1-74ae3ca944c0":{"page":"Marques de commerce et droits d’auteur","description":"Ce site Web contient plusieurs marques de commerce, noms, conditionnements, droits d’auteur et autre matériel de propriété exclusive détenus et utilisés par Loblaws inc. et/ou ses sociétés affiliées ou ses co-entrepreneurs y compris, mais sans s’y limiter, les marques Choix du Président® et PC®®/TM/MD/MC Mastercard est une marque déposée, et le concept de cercles est une marque de commerce de Mastercard International Incorporated. ®/MD Shoppers Drug Mart et Pharmaprix sont des marques déposées de 911979 Alberta Ltd. et sont utilisées sous licence. ®/MD Joe Fresh est une marque déposée de Joe Fresh Apparel Canada inc. ®/TM/MD/MC Les marques de commerce sont utilisées sous licence. Esso est une marque de commerce de la Compagnie Pétrolière Impériale Ltée. Pétrolière Impériale est titulaire d'une licence. Mobil et Technologie Carburant Synergy sont des marques de commerce d'Exxon Mobil Corporation ou de l'une de ses filiales. Pétrolière Impériale est titulaire d'une licence.® Assurant est une marque de commerce déposée d’Assurant, Inc.\n\nLe contenu du présent site fait l’objet d’une protection au titre du droit de la propriété intellectuelle. © 2018 Loblaws Inc.\n","url":"/legal-stuff/trademarks/","category":"AllCategory"},"c5d447d4-6718-5758-8c31-14fd68cbb5cd":{"page":"Modalités du service de transmission électronique des documents","description":"### Accord et consentement portant sur les communications électroniques\n\nVous pouvez consulter et sauvegarder la version électronique de vos relevés mensuels et d’autres documents juridiques concernant vos produits et services financiers de la Banque le Choix du Président en ligne partout où vous avez un accès Internet.\n\nVous pouvez choisir de vous inscrire à la transmission électronique de communications en cochant la case ci-après. Si vous décidez vous inscrire à la transmission électronique de communications, vous ne recevrez plus de relevés imprimés par la poste et vous recevrez des alertes par courriel lorsque vos relevés de compte sont prêts ou lorsque nous vous transmettons par voie électronique des avis ou des modifications de documents juridiques associés auxcomptes et produits financiers que nous vous offrons. Les alertes par courriel peuvent comprendre un lien pour accéder à ces documents.\n\nVeuillez examiner les modalités décrites ci-après, cocher ensuite la case ci-après et cliquer sur le bouton « J’accepte ». \n\nLes modalités suivantes s’appliquent à la transmission électronique des communications concernant vos comptes. \n\n__1. Définitions__\n\nDans le présent Accord :\n\n__« Accord »__ désigne le présent Accord et consentement portant sur les communications électroniques, dans sa version modifiée à l’occasion.\n\n__« avis par courriel »__ désigne le courriel que vous nous avez demandé de vous envoyer, à l’adresse de courriel que vous nous avez fournie, vous avisant que des communications sont disponibles par le lien. À l’occasion, la communication peut être intégralement insérée dans l’avis par courriel.\n\n__« communication »__ désigne un document ou un relevé.\n\n__« compte »__ désigne le compte associé à un produit ou à un service que nous vous fournissons, notamment toute Carte de crédit ou tout compte de dépôt personnel que vous avez ouvert chez nous et qui est accessible au moyen des Services électroniques.\n\n__« document »__ désigne un document, une information, un avis, une communication ou unautre renseignement qui vous est transmis, autre qu’un relevé (mais qui peut être ajouté à votre relevé). Les documents peuvent comprendre des avis prévus par la loi ou la réglementation portant sur un compte, notamment les modifications apportées aux frais, aux taux d’intérêt et à d’autres taux, les alertes vous avisant des relevés, les messages sécurisés ou d’autres communications de notre part, y compris de l’information d’ordre promotionnel ou de commercialisation.\n\n__« entente relative à un compte »__ désigne toutes les ententes prévoyant des modalités qui s’appliquent à un compte, dans leur version modifiée à l’occasion.\n\n__« lien »__ désigne un lien qui peut être inséré dans un avis par courriel qui vous dirige vers les communications qui vous ont été transmises par voie électronique.\n\n__« nous»__ désigne la Banque le Choix du Président et les membres de son groupe.\n\n__« relevé »__ désigne le relevé de compte que nous vous fournissons, habituellement chaque mois, décrit dans une entente relative à un compte.\n\n__« site Web de Services financiers PC »__ désigne le site Web qui permet à nos clients d’accéder à nos produits et services à l’occasion.\n\n__« vous»__ désigne la personne physique qui s’inscrit au présent Accord et qui a le droit de recevoir des communications concernant un compte.\n\n__2. Consentement à recevoir des communications par voie électronique__\n\nDes communications vous seront transmises par voie électronique au moyen du lien ou dans l’avis par courriel. Par conséquent, les communications ne vous seront plus livréespar la poste. Vous pouvez retirer votre consentement à recevoir des communications par voie électronique à tout moment, tel qu’il est décrit à l’article 4 du présent Accord. Les communications transmises par voie électronique peuvent prendre la forme de fichiers PDF, ce qui pourrait vous obliger à installer le logiciel nécessaire sur votre ordinateur. Nous ne possédons ni n’exploitons aucun logiciel que vous utilisez et n’en sommes pas responsables.\n\nDans le cas d’un compte conjoint, vous nous déclarez et confirmez que vous avez l’approbation et le consentement de votre ou de vos cotitulaires de compte pour conclure le présent Accord en leur nom.\n\n__3. Examen des communications; avis par courriels__\n\nVous examinerez attentivement le plus tôt possible les transactions qui figurant sur votre relevé électronique et vous nous aviserez par écrit de toute erreur ou omission sur le relevé. Si nous ne recevons pas un tel avis de votre part dans les 30 jours suivant la date du relevé, le relevé sera considéré comme définitif (sauf dans le cas de crédits portés incorrectement au compte). \n\nVous convenez qu’il vous incombe d’accéder à toutes les communications et de vous connecter régulièrement à votre compte en ligne pour examiner votre ou vos comptes sur le site Web de Services financiers PC et vérifier si des communications vous ont été transmises. Nous ne sommes pas responsables du fait que vous ne recevez pas un avis par courriel de notre part ou que vous n’arrivez pas à accéder à un lien. Il vous incombe de consulter le site Web de Services financiers PC que vous ayez ou non reçu cet avis par courriel.\n\nLe présent Accord ne remplace aucune autre entente que vous avez conclue avec nous, mais s’ajoute plutôt à ces ententes, y compris toute entente relative à un compte. Vous n’êtes pas libéré des obligations associées à un compte ou à une entente relative à un compte en raison de votre inscription au service de transmission électronique, ou si leprésent Accord ou votre accès au site Web de Services financiers PC est annulé, résilié ou suspendu pour quelque raison que ce soit ou si vous n’arrivez pas à extraire ou à consulter vos communications pour quelque raison que ce soit. Vous n’êtes libéré de vos obligations associées à un compte que lorsque tous les montants attribuables à ce compte qui nous sont dus, y compris les intérêts et les frais, ont été payés intégralement.\n\n__4. Modification de vos choix de livraison__\n\nVous pouvez retirer votre consentement à recevoir des communications par voie électronique et annuler le présent Accord et la transmission électronique des communications en nous avisant par le site Web de Services financiers PC ou en appelant le centre d’appels. Lorsque vous retirez votre consentement et passez de la transmission électronique à la livraison postale, vos communications seront postées à votre dernière adresse postale inscrite dans nos dossiers. \n\nSi vous changez votre adresse de courriel sur le site Web de Services financiers PC, tous les avis par courriel seront envoyés à cette adresse. \n\n__5. Consultation des communications__\n\nVous pourrez consulter une communication (sauf les documents de commercialisation et les documents promotionnels) qui vous a été transmise par voie électronique au moyen du lien pendant une période maximale de 7 ans à compter de la date de cettecommunication; après ce délai, elle sera automatiquement supprimée. \n\nSi vous en faites la demande, nous vous fournirons une version imprimée d’une communication (sauf les documents de commercialisation et les documents promotionnels) qui vous a été transmise par voie électronique au moyen du lien au cours des 7 dernières années contre paiement des frais applicables. \n\nVous pouvez imprimer ou sauvegarder en tout temps la totalité des communications qui sont mises à votre disposition au moyen du site Web de Services financiers PC tant qu’elles demeurent consultables par le lien. \n\n__6. Livraison de communications imprimées; votre adresse postale__\n\nNous pouvons vous livrer par la poste la version imprimée d’une communication au lieu ou en plus de vous la transmettre par voie électronique pour quelque raison que ce soit, notamment, si, pour quelque raison que ce soit, nous jugeons qu’il est nécessaire de le faire ou nous n’arrivons pas à vous transmettre les communications par voie électronique. Vous convenez de continuer à nous aviser de tout changement d’adresse postale, comme toute entente relative à un compte que vous avez conclue avec nous vous oblige à le faire, même si vous avez choisi le mode de transmission électronique pour votre compte.\n\nVous êtes réputé avoir reçu toutes les communications que nous vous transmettons le jour même où nous affichons la communication en question au moyen du lien, ou le jour où nous vous envoyons un courriel auquel la communication est jointe, même si vous ne consultez pas la communication ou n’y accédez pas pour quelque raison que ce soit.\n\n__7. Modification et résiliation du présent Accord__\n\nSauf si la loi nous oblige à vous en aviser, nous pouvons modifier, annuler, suspendre ou résilier le présent Accord avec ou sans avis, pour quelque raison que ce soit, notamment si vous manquez ou si nous considérons que vous manquez à une obligation prévue dans le présent Accord ou encore en cas de difficulté technique ou de sécurité.\n\nNous pouvons transmettre tout avis requis selon le présent Accord, y compris l’avis de modification portant sur le présent Accord, au moyen de votre communicationélectronique, du lien, ou encore par la poste à votre dernière adresse postale inscrite dans nos dossiers. Si vous accédez au site Web de Services financiers PC après la date de prise d’effet de la modification, vous serez réputé avoir accepté cette modification et y avoir consenti.\n\nSi le présent Accord est annulé, suspendu ou résilié, vos communications vous seront livrées pas la poste à votre dernière adresse postale inscrite dans nos dossiers.\n\n__8. Aucune responsabilité__\n\nNous ne sommes nullement responsables des dommages, des pertes ou des désagréments que vous pourriez subir relativement à vos communications électroniques, y compris à la transmission électronique de ces communications, ce qui comprend, entre autres, votre incapacité de recevoir, d’imprimer, de stocker ou de sauvegarder une communication qui vous a été transmise par voie électronique; votre incapacité d’accéder à des communications électroniques antérieures ou courantes qui est attribuable à une défaillance, à une erreur ou à une défectuosité, même si une telle défaillance, erreur ou défectuosité résulte de notre négligence ou de la négligence de nos employés, mandataires ou représentants.\n\n__9. Droit applicable__\n\nLa présente entente est régie par les lois du Canada et est interprétée conformément à celles-ci. Les tribunaux de la province ou du territoire au Canada dans lequel vous résidez ont compétence exclusive sur les différends au sujet du Compte ou du présent Accord.\n\nSi vous avez lu et comprenez les modalités qui précèdent, acceptez d'être lié par celles-ci et consentez à obtenir les communications par voie électronique, cliquez sur « J'accepte ».\n\nSi vous n’acceptez pas, __ne__ cochez __pas__ la case de consentement à la transmission électronique de documents ci-après et vous recevrez la version imprimée de toutes les communications.\n\nVeuillez imprimer un exemplaire du présent Accord et consentement portant sur les communications électroniques pour vos dossiers. Une version imprimable peut également être obtenue sous « Notes légales ».\n\n","url":"/legal-stuff/electronic-delivery-of-documents-terms-conditions/","category":"AllCategory"},"099d5151-a4a3-5871-8be2-79984f56ee90":{"page":"Taux d’attribution de points PC Optimum et règles d’arrondissement pour les cartes de paiement de Services financiers le Choix du Président","description":"Au moins 10 points *PC Optimum* par dollar lors d’un achat admissible que vous effectuez avec une carte de crédit MastercardMD *Services financiers le Choix du Président*, partout où ces cartes sont acceptées.\n\nEssence chez EssoMC : récoltez un minimum de 10 points Au moins 10 points *PC Optimum* par dollar lors d’un achat admissible que vous effectuez avec une carte de crédit MastercardMD Services financiers le Choix du Président, partout où ces cartes sont acceptées. le litre d'essence ou de diesel en prime lorsque vous portez un achat admissible d’essence ou de diesel à votre carte MastercardMD Services financiers le Choix du Président admissible dans les stations EssoMC et MobilMC participantes au Canada. Les points en prime récoltés s’ajoutent aux 10 points *PC Optimum* habituels par dollar d’achat porté à votre carte, et le minimum de 10 points *PC Optimum* le litre que récoltent tous les membres du programme de fidélisation *PC Optimum*. Récoltez 10 points supplémentaires le litre à l’achat de supercarburant (indice d’octane 89, 91 ou 93) chez EssoMC et dans certaines stations MobilMC. Vous pourriez récolter encore plus de points aux stations MobilMC adjacentes à un supermarché de la bannière Loblaw. Le taux d’attribution exact dans la station la plus près de vous est publié dans le localisateur de station sur pcfinance.ca/essence.\n\nEn ce qui concerne les achats admissibles de carburant que vous effectuez dans les stations EssoMC et MobilMC participantes avec une carte MastercardMD Services financiers le Choix du Président, les points *PC Optimum* en prime sont calculés par transaction en fonction des données associées aux transactions qui sont transmises par EssoMC. Les achats admissibles de 0,5 litre ou plus seront arrondis au litre supérieur, alors que les achats admissibles de 0,49 litre ou moins seront arrondis à la baisse.\n\nVous serez également admissible aux offres de points *PC Optimum* en prime dont peuvent profiter tous les titulaires d’une carte de crédit MastercardMD Services financiers le Choix du Président. Toutes ces offres sont calculées séparément, en fonction du taux habituel d’attribution de 10 points *PC Optimum* par dollar d’achat.\n\n__Carte de crédit MastercardMD Services financiers le Choix du Président__ \n20 points *PC Optimum* par dollar pour des achats admissibles que vous effectuez par l’entremise de Services de voyage PC® avec votre carte de crédit MastercardMD Services financiers le Choix du Président. Pour ces achats, vous récolterez les 10 points *PC Optimum* habituels par dollar d’achat, ainsi que 10 points *PC Optimum* supplémentaires par dollar pour les achats que vous portez à votre carte (vos cartes), ce qui représente un total de 20 points *PC Optimum* par dollar d’achat.\n\n__Carte World MastercardMD Services financiers le Choix du Président__ \n20 points *PC Optimum* par dollar pour des achats admissibles que vous effectuez avec votre carte de crédit World MastercardMD Services financiers le Choix du Président dans les magasins participants de la bannière Loblaw, dans les magasins Joe Fresh au Canada, ainsi que par l’entremise de Services de voyage PC®. Pour ces achats, vous récolterez les 10 points *PC Optimum* habituels par dollar d’achat, ainsi que 10 points *PC Optimum* supplémentaires par dollar pour les achats que vous portez à votre carte (vos cartes), ce qui représente un total de 20 points *PC Optimum* par dollar d’achat.\n\n__Carte World Elite MastercardMD Services financiers le Choix du Président__ \n30 points *PC Optimum* par dollar pour des achats admissibles que vous effectuez avec votre carte de crédit World MastercardMD Services financiers le Choix du Président dans les magasins participants de la bannière Loblaw, dans les magasins Joe Fresh au Canada, ainsi que par l’entremise de Services de voyage PC®. Pour ces achats, vous récolterez les 10 points *PC Optimum* habituels par dollar d’achat, ainsi que 20 points *PC Optimum* supplémentaires par dollar pour les achats que vous portez à votre carte (vos cartes), ce qui représente un total de 30 points *PC Optimum* par dollar d’achat.\n\n[1]: https://pcfinance.ca/essence/","url":"/legal-stuff/pc-optimum-mastercard/","category":"AllCategory"},"efdbd2aa-f204-55b3-9b78-d15c6dab9ded":{"page":"Codes de conduite volontaires et engagements publics","description":"La Banque le Choix du Président se conforme aux codes de conduite volontaires et aux engagements publics qui suivent.
\n\nCode de conduite destiné à l’industrie canadienne des cartes de crédit et de débit
\n\nCode de pratique Canadien des services de\ncartes de débit
\n\nPrincipes régissant la des protection consommateurs dans le commerce electronique: le cadre canadien
\n\nEngagement relatif à la modification ou au remplacement de produits ou de services existants
\n\nEngagement relatif aux procurations et aux comptes de dépôt conjoints
\n\nLignes directrices relatives aux comptes à frais modiques –2014
\n\nEngagement public – Politique de la protection contre la fraude « Responsabilité zéro » de MasterCard
\n\nCode de conduite pour la prestation de services bancaires aux aînés
\n\nPaiements en ligne
\n\nCode de conduite portant sur les activités d'assurance autorisées
","url":"/legal-stuff/voluntary-codes-of-conduct/","category":"AllCategory"},"ad5fc863-be8f-5f1f-8b4f-82ac327b65f8":{"page":"Entente avec le titulaire de la carte","description":"Clients de Mastercard Services financiers le Choix du Président avant le 1er février 2018\n
\n\nNouveaux clients de Mastercard Services financiers le Choix du Président à compter du 1er février 2018\n
","url":"/legal-stuff/pc-mastercard-cardholder-agreement/","category":"AllCategory"},"82115eb1-1f01-5371-89eb-3dea4974e3f5":{"page":"Links to third party websites","description":"\n\nInformations juridiques > Liens vers des sites Web de tiers\n\nCe site Web peut contenir des liens vers des sites Web de tiers qui n'appartiennent pas à la Banque le Choix du Président, à Services le Choix du Président inc. ou aux membres de leur groupe (collectivement, « Services financiers le Choix du Président ») et ne sont ni exploités par ceux-ci ni sous leur emprise. Ces liens sont mis à votre disposition par souci de commodité; leur présence ne signifie pas que Services financiers le Choix du Président donne son approbation ou son aval au contenu des sites Web de tiers. Services financiers le Choix du Président n'est aucunement responsable du contenu des sites Web de tiers. Elle ne fait aucune déclaration ni ne donne aucune garantie de quelque nature que ce soit concernant ces sites, notamment : i) une déclaration ou une garantie concernant la légalité, l'exactitude, la fiabilité, l'exhaustivité, le degré d'actualité ou le caractère opportun ou adéquat du contenu d'un site Web de tiers; ii) une déclaration ou une garantie concernant la qualité marchande ou l'adaptation à un usage en particulier de tout élément d'information, du contenu, d'un logiciel, d'un bien ou d'un service qui se trouve sur les sites Web de tiers ou qui est offert au moyen de tels sites; ou iii) une déclaration ou une garantie voulant que l'exploitation des sites Web de tiers ne fera pas l'objet d'interruptions ou d'erreurs, que les défauts ou erreurs éventuels qui figurent sur les sites Web de tiers seront corrigés ou que les sites Web de tiers seront exempts de virus ou d'éléments nuisibles. ","url":"/legal-stuff/third-party-websites/","category":"AllCategory"},"d3ce3395-158d-5609-83e9-88a91e85e486":{"page":"Comment régler vos différends avec Services financiers le Choix du Président","description":"La Banque le Choix du Président s'engage à régler les plaintes des clients de façon équitable dès que possible. Nous apprécions les commentaires des clients et vous invitons à nous contacter pour formuler vos plaintes afin de nous donner l'opportunité de résoudre vos problèmes. Si vous avez une plainte à formuler, veuillez suivre les étapes qui suivent.\n\n__Étape 1 :__\nVeuillez communiquer avec notre service à la clientèle en composant le [1 866 246 7262][1], et l'un de nos agents du service aux clients vous aidera à régler votre problème.\n\n__Étape 2 :__\nSi le problème n'est pas réglé à votre satisfaction, vous pouvez alors vous adresser à l'équipe de la direction des services aux clients de la Banque le Choix du Président. Vous pouvez utiliser deux méthodes pour communiquer avec l'équipe de direction des services aux clients :\n\nPar téléphone : [1 866 822 8775][2]\nPar courriel : [customercare@pcbank.ca][3]\n\n__Étape 3 :__\nSi vous n'êtes pas satisfait de la décision de l'équipe de la direction des services aux clients de la Banque le Choix du Président, vous pouvez communiquer directement avec l'ombudsman de la Banque le Choix du Président par courriel au [ombudsman@pcbank.ca][4] ou par la poste à l'adresse suivante : Ombudsman de la Banque le Choix du Président, 600-500, boulevard Lakeshore Ouest, Toronto (Ontario) M5V 2V9.\n\nVeuillez noter que l'ombudsman ne pourra accepter votre demande d'examen indépendant que si vous avez franchi les étapes 1 et 2, que votre cas a déjà été communiqué à l'équipe de la direction des services aux clients de la Banque le Choix du Président et que vous n'êtes pas satisfait du résultat. Sinon, votre cas sera retourné à l'équipe de la direction des services aux clients de la Banque le Choix du Président aux fins d'examen avant que l'ombudsman intervienne.\n\nSi vous n'êtes pas satisfait de la décision de notre ombudsman, vous pouvez communiquer avec l'Ombudsman des services bancaires et d'investissement (OSBI). Cet organisme indépendant de la Banque le Choix du Président effectue des enquêtes sur les plaintes déposées par les clients. Vous pouvez joindre l'OBSI par téléphone au [1 888 451 4519][5], par télécopieur au 1 888 422 2865, par courriel au [ombudsman@obsi.ca][6], ou par la poste à l'adresse suivante : Ombudsman des services bancaires et d'investissement, 20 rue Queen Ouest, Bureau 2400, C.P. 8, Toronto (Ontario) M5H 3R3, ou vous pouvez consulter le site Web de l'OBSI au www.obsi.ca.\n\nL'Agence de la consommation en matière financière du Canada (ACFC) est un organisme qui supervise les établissements financiers sous réglementation fédérale, comme la Banque le Choix du Président. Si vous avez une plainte à formuler concernant une infraction possible d'une loi fédérale en matière de protection des consommateurs, vous pouvez communiquer par écrit avec l'ACFC à l'adresse suivante : Agence de la consommation en matière financière du Canada 427, avenue Laurier Ouest, 6e étage, Ottawa (Ontario) K1R 1B9 ou en vous rendant sur leur site Web au www.fcac-acfc.gc.ca. L'ACFC se chargera de déterminer si l'institution financière a agi en conformité avec la loi. Toutefois, l'ACFC ne pourra régler les plaintes individuelles des consommateurs.\n\nSuivez ce lien pour consulter le rapport annuel du Bureau de l'ombudsman de la Banque le Choix du Président.\n\n[1]: tel:18662467262\n[2]: tel:18668228775\n[3]: mailto:customercare@pcbank.ca\n[4]: mailto:ombudsman@pcbank.ca\n[5]: tel:18884514519\n[6]: mailto:ombudsman@obsi.ca\n[7]: http://www.obsi.ca/\n[8]: http://www.fcac-acfc.gc.ca/","url":"/legal-stuff/how-to-resolve-your-concerns-with-pc-financial/","category":"AllCategory"},"d3e53c77-1961-597b-900b-576e508b8ce6":{"page":"Détails des avantages offerts par la carte","description":"Pour être admissible au transfert de solde à taux promotionnel de 0,97 % pendant 6 mois actuellement en vigueur, vous devez présenter une demande d'adhésion d'ici le 31 décembre 2021. L'offre d'une durée de 90 jours suivant l'approbation de votre compte Mastercard Services financiers le Choix du Président (le « Compte ») ne s'adresse qu'aux nouveaux clients admissibles. Cette offre peut être modifiée, prolongée ou annulée sans préavis. À moins que votre Compte ne soit plus en règle, le taux d'intérêt promotionnel est annuel et s'applique uniquement au solde transféré pendant 6 mois après la date de la transaction. Par la suite, à moins que votre Compte ne soit pas en règle, le taux d'intérêt pour les avances de fonds applicable à votre Compte s'applique au solde impayé jusqu'à son paiement intégral. Les transferts de solde sont portés à votre Compte comme avances de fonds; par conséquent, des intérêts sont imputés à compter du jour où ces transferts sont portés à votre Compte. Le traitement des transferts de solde peut prendre jusqu'à 30 jours ouvrables à compter du moment où vous activez votre Compte. Afin de vous éviter des pénalités et des frais de retard, vous devriez continuer d'effectuer les paiements minimums exigibles sur les comptes que vous transférez jusqu'à ce que les montants des transferts de solde soient portés au crédit de ces comptes. Si le montant total du transfert dépasse votre limite de crédit disponible, la Banque le Choix du Président (la « Banque PC ») peut effectuer un remboursement intégral ou partiel à vos créanciers, jusqu'à concurrence de votre limite de crédit disponible. La Banque PC se réserve le droit de limiter le nombre et le montant des transferts de solde, ou de les refuser pour quelque raison que ce soit. Les transferts de solde provenant d'autres comptes des Services financiers le Choix du Président ne sont pas autorisés. Vous ne pouvez pas annuler un transfert de solde une fois que vous l'avez autorisé. Les transferts de solde ne donnent pas droit à des points PC Optimum, à moins d'indication contraire. Veuillez vous reporter à l'entente avec le titulaire et à la déclaration au titulaire pour obtenir plus de précisions. ","url":"/legal-stuff/card-benefits-details/","category":"AllCategory"},"47fa9570-7e9c-519f-b374-9e64184cd659":{"page":"Détails concernant les produits facultatifs","description":"Si vous souscrivez l’assurance protection de solde – conjoint/conjointe (l’« APSC »), une assurance facultative, et payez la prime requise du régime, l’APSC effectuera les versements suivants : jusqu’à l’âge de 65 ans, vous aurez droit à un versement mensuel correspondant à 5 % du solde de votre compte Mastercard Services financiers le Choix du Président (le « compte ») pendant une période maximale de 20 mois consécutifs à compter de la date de l’incident si vous ou votre conjoint/conjointe devenez invalide (la personne doit être incapable d’exercer tout travail pour lequel elle est qualifiée) ou si vous perdez votre emploi involontairement (la personne doit avoir travaillé au moins 30 heures par semaine pendant au moins 3 mois consécutifs chez le même employeur avant sa date de cessation d’emploi); jusqu’à l’âge de 75 ans, vous aurez droit à un versement mensuel équivalant à 5 % du solde de votre compte le premier jour de l’hospitalisation jusqu’à concurrence de 500 $, si vous ou votre conjoint/conjointe êtes hospitalisé pendant plus de 2 jours consécutifs; jusqu’à l’âge de 75 ans, vous aurez droit au paiement du solde de votre compte (un versement jusqu’à concurrence 15 000 $) si l’une des situations suivantes s’applique à vous ou à votre conjoint/conjointe : décès, mutilation ou premier diagnostic d’une maladie grave (cancer, crise cardiaque ou accident vasculaire cérébral). Les prestations seront versées pour le titulaire principal de la carte ou pour son conjoint/sa conjointe, mais non pour les deux. Dans le cadre de cette couverture d’assurance, le terme « conjoint/conjointe » signifie la personne qui est légalement mariée au titulaire principal du compte, ou, sinon, la personne qui vit une union conjugale avec le titulaire principal depuis au moins un (1) an et qui habite au même domicile que le titulaire principal. Un titulaire de carte principal ne peut avoir qu’un seul conjoint/une seule conjointe à la fois.\n\nLa prime de l’APSC s’élève à 1,19 $ par tranche de 100 $ du solde de votre relevé mensuel courant, plus les taxes en vigueur. Ainsi, si le solde de votre relevé de compte mensuel était de 300 $, le coût de l’assurance ne serait que de 3,57 $, taxes en sus. Pour être admissible aux prestations de perte d’emploi involontaire et d’invalidité, vous ou votre conjoint/conjointe devez être un employé salarié et non un travailleur autonome; l’APSC verse les prestations d’une demande d’indemnisation admissible à compter du 31e jour suivant l’une des situations suivantes s’appliquant à vous ou à votre conjoint/conjointe : invalidité ou perte d’emploi involontaire. Certaines conditions et restrictions s’appliquent. Vous recevrez par la poste un certificat d’assurance et une lettre d’adhésion avec tous les renseignements concernant l’assurance, y compris la date d’entrée en vigueur de l’assurance. Les exclusions, qui peuvent varier selon la couverture, comprennent les cas suivants : grossesse, retraite volontaire ou obligatoire, affections préexistantes, perte d’emploi anticipée au moment de la demande ou due à un travail saisonnier, travail autonome, travail contractuel, mise à pied, grève ou lock-out, ainsi que toute occurrence de cancer dans les 90 jours suivant la date d’entrée en vigueur de l’assurance, ou encore toute occurrence de crise cardiaque ou d’accident vasculaire cérébral dans les 30 jours suivant la date d’entrée en vigueur de l’assurance. Toutes les exclusions et limitations sont énoncées dans le certificat d’assurance; veuillez le lire attentivement et le conserver, avec une copie de votre demande d’adhésion, dans vos dossiers. Cette assurance peut être annulée en tout temps. \n\nFaites un essai sans tracas : si vous décidez d’annuler cette couverture dans les 30 premiers jours suivant son entrée en vigueur, la Banque le Choix du Président vous remboursera toute prime perçue et la couverture sera réputée n’avoir jamais été en vigueur. D’autres couvertures d’assurance protection de solde peuvent être disponibles. Pour connaître tous les renseignements au sujet des options de l’assurance protection de solde ou pour annuler cette assurance en tout temps, veuillez communiquer avec un agent en composant le [1 866 246 7262][1]. L’APSC vous est offerte par La Compagnie d’Assurance du Canada sur la Vie (Canada-Vie), que vous pouvez joindre en composant le [1 877 789 4182][2]. La Canada-Vie verse à la Banque le Choix du Président des frais d’administration pour la distribution de l’APSC. \n\n[1]: tel:18662467262\n[2]: tel:18777894182","url":"/legal-stuff/optional-product-details/","category":"AllCategory"},"01884380-5945-5d93-96d6-4c0bf2ce8bfb":{"page":"Renseignements concernant les procurations","description":"__Qu’est-ce qu’une procuration?__\nUne procuration est un document juridique qui habilite une personne à prendre des décisions en votre nom, notamment en matière de gestion de vos finances. Vous pouvez trouver des renseignements généraux sur les procurations en suivant ce lien.\n\n__Comment puis-je établir une procuration relative à ma carte Mastercard Services financiers le Choix du Président?__\nNous demandons que vous nous fassiez parvenir un original ou un exemplaire de la procuration notariée. Vous pouvez utiliser un formulaire de procuration que vous aurez rédigé vous-même, ou un formulaire rédigé par votre avocat, votre notaire ou un tiers. Lorsque nous avons le document en main, nous pouvons demander des renseignements supplémentaires concernant votre procuration, votre avocat ou votre notaire, dans lequel cas nous vous contacterons.\n\n__Que se passe-t-il en cas de différend à propos d’une procuration?__\nS’il y a des problèmes concernant votre procuration, votre avocat ou votre notaire, nous vous en ferons part, sauf lorsque la loi nous l’interdit. Lorsque nous communiquons avec vous, nous vous informons de la durée de notre évaluation ou de notre enquête. Si nous ne pouvons pas exercer les pouvoirs conférés par votre procuration ou selon les directives de votre avocat ou de votre notaire, vous pouvez transmettre vos préoccupations à un échelon supérieur selon le processus indiqué dans la section « Comment régler vos différends avec Services financiers le Choix du Président, que vous trouverez en suivant [ce lien][2].\n\n[1]: https://www.canada.ca/fr/emploi-developpement-social/ministere/aines/forum/procurations-comptes-conjoints.html\n[2]: /legal-stuff/how-to-resolve-your-concerns-with-pc-financial","url":"/legal-stuff/information-on-powers-of-attorney/","category":"AllCategory"},"55176c0f-6e07-51fe-8829-2bb5d43f0523":{"page":"Comment paramétrer des alertes et vos préférences","description":"Suivez votre compte de près en créant des alertes et en indiquant vos préférences.","url":"/learning-hub/video-tutorials/how-to-set-up-alerts-and-preferences","category":"VideoTutorialsCategory"},"78c8d09d-953f-5b09-bef9-bcc279c33f57":{"page":"Comment s’inscrire aux relevés électroniques","description":"Inscrivez-vous aux relevés électroniques pour avoir accès à vos relevés en toute commodité.","url":"/learning-hub/video-tutorials/how-to-enroll-for-e-statements","category":"VideoTutorialsCategory"},"fbd32e93-3b1c-52f1-a60d-5fe3b9a97e9f":{"page":"Comment activer Touch ID ou Face ID","description":"Ayez un accès rapide et sécuritaire à votre compte avec Touch ID ou Face ID.","url":"/learning-hub/video-tutorials/how-to-set-up-touch-id-or-face-id","category":"VideoTutorialsCategory"},"1515076d-5b6e-5f54-add1-02cf09027324":{"page":"Comment signaler une carte perdue, volée ou endommagée","description":"Signalez une carte perdue, volée ou endommagée facilement depuis votre compte en ligne.","url":"/learning-hub/video-tutorials/how-to-report-a-lost-stolen-or-damaged-card","category":"VideoTutorialsCategory"},"541aa720-40fd-59c9-ad68-bca9fcff7c64":{"page":"Comment contester une transaction en ligne","description":"Contestez des transactions rapidement et facilement depuis votre compte en ligne. ","url":"/learning-hub/video-tutorials/how-to-dispute-a-transaction-online","category":"VideoTutorialsCategory"},"b4ea5221-7331-5c97-b196-7fa3d2f8db0e":{"page":"Comment créer un avis de voyage","description":"Évitez les interruptions de service durant vos déplacements en créant un avis de voyage.","url":"/learning-hub/video-tutorials/how-to-set-up-a-travel-notice","category":"VideoTutorialsCategory"},"4a62f596-f6db-56a5-bcc6-2a92ad890550":{"page":"Comment ajouter une carte dans votre portefeuille mobile","description":"Apprenez à régler vos achats en approchant votre téléphone d’un lecteur de cartes.","url":"/learning-hub/video-tutorials/how-to-add-a-card-to-your-mobile-wallet","category":"VideoTutorialsCategory"},"19901afd-f189-573d-94ed-291a727a8dfe":{"page":"Comment accéder aux documents concernant votre compte","description":"Voyez vos notifications et consultez vos documents en vous connectant à votre compte en ligne.","url":"/learning-hub/video-tutorials/how-to-find-account-documents","category":"VideoTutorialsCategory"},"477dfeeb-d683-5bbb-81ad-bfe97c41916d":{"page":"Comment utiliser la carte de votre compte PC Argent lors de vos achats en magasin","description":"Est-ce la première fois que vous utilisez la carte de votre compte PC Argent en magasin?","url":"/learning-hub/video-tutorials/how-to-pay-at-pos","category":"VideoTutorialsCategory"},"b9ba5563-4370-5a4a-9f54-d4fb335e5bd9":{"page":"Comment activer votre nouvelle carte","description":"Activez votre carte en ligne en toute commodité et commencez à l’utiliser dès aujourd’hui.","url":"/learning-hub/video-tutorials/how-to-activate-your-new-card","category":"VideoTutorialsCategory"},"069c0c45-5e85-5603-b96c-775a86eef318":{"page":"Comment créer des objectifs","description":"Peu importe pourquoi vous épargnez, vous pouvez créer un objectif pour y arriver.","url":"/learning-hub/video-tutorials/how-to-set-up-goals","category":"VideoTutorialsCategory"},"773acb72-3b01-5062-ae61-830221c66b76":{"page":"Comment demander la protection contre les découverts","description":"Évitez des frais imprévus grâce à la protection facultative contre les découverts. ","url":"/learning-hub/video-tutorials/how-to-apply-for-overdraft-protection","category":"VideoTutorialsCategory"},"c9d35f4d-6c0c-527b-acc9-af4173133c5a":{"page":"Comment demander un Virement Interac","description":"Demandez des fonds à des amis ou à des membres de la famille depuis votre compte.","url":"/learning-hub/video-tutorials/how-to-request-an-interac-e-transfer","category":"VideoTutorialsCategory"},"b0d541bf-ea23-5517-b12a-5842b9db45eb":{"page":"Comment envoyer un Virement Interac","description":"Envoyez des fonds à des amis ou à des membres de la famille depuis votre compte.","url":"/learning-hub/video-tutorials/how-to-send-an-interac-e-transfer","category":"VideoTutorialsCategory"},"55444a40-23a0-5f98-8289-dc6e8d372097":{"page":"Comment trouver votre transit bancaire, votre institution financière et votre numéro de compte","description":"Trouvez les détails de votre compte pour configurer le dépôt direct de votre paie.","url":"/learning-hub/video-tutorials/how-to-find-your-transit-institution-and-account-number","category":"VideoTutorialsCategory"},"a94a7df7-b5aa-54c3-8102-e6eaa152116f":{"page":"Comment lier un compte externe","description":"Transférez rapidement et facilement des fonds vers et depuis votre compte PC Argent.","url":"/learning-hub/video-tutorials/how-to-link-an-external-account","category":"VideoTutorialsCategory"},"9a564f46-c996-5b9d-8799-e268e022ff37":{"page":"Comment voir le détail des transactions","description":"Faites le suivi de vos achats en consultant les détails de vos transactions.","url":"/learning-hub/video-tutorials/how-to-view-transaction-details","category":"VideoTutorialsCategory"},"e7cfcd42-dff5-5964-af6a-742a74c8a6e2":{"page":"Comment payer une facture en ligne","description":"Apprenez comment payer des factures directement depuis votre compte PC Argent.","url":"/learning-hub/video-tutorials/how-to-pay-a-bill-online","category":"VideoTutorialsCategory"},"976bb306-fb5e-55d5-8c93-7abfb9239f2b":{"page":"Comment récupérer votre nom d’utilisateur","description":"Vous avez oublié votre nom d’utilisateur? Suivez ces instructions pour le récupérer.","url":"/learning-hub/video-tutorials/how-to-recover-your-username","category":"VideoTutorialsCategory"},"ea786eca-a2dc-5d96-894b-5ace2ceba2f6":{"page":"Comment créer un compte en ligne","description":"Accédez à votre compte de n’importe où en vous inscrivant aux services bancaires en ligne.","url":"/learning-hub/video-tutorials/how-to-sign-up-for-an-online-account","category":"VideoTutorialsCategory"},"d185b461-f5e0-5add-b3d7-b855f24d567a":{"page":"Comment réinitialiser votre mot de passe","description":"Vous avez oublié votre mot de passe? Suivez ces instructions pour le récupérer.","url":"/learning-hub/video-tutorials/how-to-reset-your-password","category":"VideoTutorialsCategory"}}}}