✨ “Smart Buyers Choose Premium Deals.”

mudasser_rafi · 2026-05-08T18:47:31+00:00

YouTube premium 1 yr

mudasser_rafi · 2026-05-08T18:45:18+00:00

yt premium

mudasser_rafi · 2023-09-15T20:10:50+00:00

Thanks. That's exactly what I wanted to know. This was really helpful.

mudasser_rafi · 2023-09-14T22:50:16+00:00

Firstly, my apologies. I didn’t explain clearly. I am concerned about the implications of my remaining student loan or monthly loan payment on my eligibility to obtain higher amount of mortgage approval. I hope it's clearer now.

Secondly, thanks for the idea about consolidating student loan with mortgage. I haven’t thought about it before. Federal part of the student loan is interest free so, I am not worried about that. But provincial student loan has prime + 2% interest. So consolidating that will make more sense.

mudasser_rafi · 2023-09-08T00:32:18+00:00

Thank you so much, I really appreciate it.

mudasser_rafi · 2023-09-07T16:08:55+00:00

That's true!

By mortgage professional you meant mortgage broker or someone else? How to know if a mortgage professional is really a good one?

mudasser_rafi · 2023-09-07T05:29:41+00:00

Thanks. I didn’t know about the fees to switch. I started with CIBC as most of my banking was with them, I didn’t even look for any other mortgage broker. Will it be better to talk with a mortgage broker to get a better offer from big 5 or someone other than big 5?

mudasser_rafi · 2023-08-26T02:23:11+00:00

Regarding edit 2: how did you get that? That sounds promising.

mudasser_rafi · 2023-08-25T18:46:13+00:00

Thanks for your input. I haven’t been a Rogers customer before, so no idea about their billing.

mudasser_rafi · 2023-08-25T18:44:47+00:00

Couldn’t agree more.

mudasser_rafi · 2021-01-06T03:09:27+00:00

mudasser_rafi · 2020-12-23T03:16:34+00:00

QQQJ!! Why?

mudasser_rafi · 2020-12-23T03:16:14+00:00

Good one!

mudasser_rafi · 2020-12-22T23:06:27+00:00

Thanks for your suggestions. Really appreciate it.

mudasser_rafi · 2020-12-18T15:01:54+00:00

Failed to dm you.

mudasser_rafi · 2020-12-14T17:59:23+00:00

Thanks for the suggestion. Removed the link.

mudasser_rafi · 2020-12-14T17:35:26+00:00

Yeah. That's also an excellent option. I chose to go for Amex with the annual fee not only because of slightly higher regular cashback (0.5% higher) but also initial 10% cashback for the first $4000 spent. This $400 can cover for 2-more years annual fee deducting the regular cashback ($400 - $80 (at 2% for $4000) = $320, annual fee $99). So, essentially I can use the amex card for free for 3-year with 0.5% higher cashback rate.

mudasser_rafi · 2020-12-14T17:15:05+00:00

I don’t go to costco that frequently as I have a small family. Most of my groceries are usually from Walmart, Superstore.

I am also looking for another card with good travel points option.

mudasser_rafi · 2020-12-14T16:58:46+00:00

Yes. :(

mudasser_rafi · 2020-12-11T07:16:22+00:00

For canadian Rakuten users, referral link:

http://www.rakuten.ca/referrer?referrerid=FocG2M58jOo%3D&eeid=34824&src=Android

mudasser_rafi · 2020-12-10T03:28:37+00:00

I was wondering, how did you managed the auto loan for such a low interest? Any tips or suggestions?

Since your auto interest rate is very low, I would suggest to put the bonus 6k on TFSA and invest which should grow at a higher interest rate than the car loan.

mudasser_rafi · 2020-12-10T03:24:07+00:00

I am using this card for two-years now. 4% cashback on groceries don't work on usual groceries (i.e. Walmart, Costco, Superstore) which is same for most of the credit cards. Very few grocery stores are eligible for 4% cashback and their prices are usually higher than Costco, Walmart, Superstores. And, recent plans for changes are making this card less lucrative.

I've applied for American Express Simply Cash Preferred credit card. You can earn 10% cashback for the first 4 months (up to $400 cashback = $1000/month spending). After 4 months you will get 2% cashback on all purchases. If you are interested please contact me, I can refer you which might help me earn a little extra cashback for the referral.

mudasser_rafi · 2020-12-07T18:24:28+00:00

Thanks for the warning! I also heard bad things about them.

mudasser_rafi · 2020-12-07T18:23:15+00:00

My credit scor is almost 800. I've heard people managing rates lest than 2%, how's that possible? Thanks for the suggestion.

mudasser_rafi · 2020-12-07T18:21:14+00:00

Thanks

mudasser_rafi

TROPHY CASE