Saving for an EV

It seems wildfires, floods, and signs of extreme whether are everywhere caused by climate change. We naturally want to do something to feel that we can exert some control over the situation rather than just sitting on the sideline feeling hopeless. One option is to switch to an EV – electronic vehicle.  Given such highContinue reading Saving for an EV

Be careful of what you wish for

I recalled this story of a single mother on her quest for home ownership. During pandemic, her landlord wanted to sell the house she was renting because the housing market was red hot. She can’t find a place with the similar rent and space. Therefore, she considered buying a place. However, her credit score wasContinue reading “Be careful of what you wish for”

Ghosted by the biggest bank

After some research, I found that RBC has the highest cash back reward at 1% among all the business credit cards without annual fee. That’s the one I am going with since my business credit need is very simple and small.  I never expect that it took so much effort to open a business creditContinue reading “Ghosted by the biggest bank”

Did you check your credit score lately?

Your credit score is critically important. It can impact whether you can get a loan, credit card, mortgage, or even a job. It also impacts your interest rate when you borrow. Lower the score, higher the risk for the lenders, so higher the interest rate you get. It is tough.  When it rains, it pours.Continue reading “Did you check your credit score lately?”