Updated: August 18, 2014 at 3:20 PM

Choice Privileges Mastercard

Mo Annual fee. Get the card and get a sign up bonus of 1500 Privilege points, equivalent to get a free hotel stay.

http://www.choicehotels.com/en/choice-privileges/cn/mastercard

This card is no longer available and will be discontinued.

Verdict: Recommended

Categories: Credit Card - Travel

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Updated: August 18, 2014 at 3:18 PM

Pivot Card

Pivot card by Petro Canada is a prepaid mastercard saves you 5 cents in gas for every dollar you load in which is equivalent to 5% cash back. When I first started using this card, it was actually quite a struggle. Calling their support centre, you get a out of country workers that have very, very, very strong accents to the point where I could not even understand them.

Also, because this is a prepaid card and you have to load the card, be aware if there is a mistake such as there was a withdrawal error, you will have to wait a week before you can use the card because the withdrawal error to take a week to rectify and your allotted spending amount accordingly to the amount on the error during that time.

Another concern is the no refund or exchanges on their vouchers. To load money into your prepaid Pivot credit card, you have to purchase these vouchers that can be valued up $250. These vouchers have to no refund or exchanges. So what happens when you purchase defective one? I have not run into this problem, but I have always wondered. One may argue why I just do not buy the less expensive vouchers. For every time you load a voucher, there is a charge. So to minimized your cost, it is best to load the maximum amount.

Having said all this, I have yet to run into a problem where Petro Canada has not resolved. With 5% savings, is it worth the risk. So far, all issues seem to have resolved. So I am still going to recommend this card until I run into an unresolved issue.

The key idea behind maximizing your return and minimizing cost is to load the largest $250 and spend it all at once because there is a charge for every transaction.

Verdict: Recommended
Updated: August 18, 2014 at 10:22 AM

Stouffville Toyota

I just went to Stouffville Toyota for an Oil Change. Their service has significantly improved since I was last there. They seem to now have gotten their act together and hired the right people for the job. Their service is one of the better dealers compared to other Toyota dealers or any car dealer.

1288 Millard St., Stouffville, Ontario
L4A 0W7

Verdict: Recommended

Categories: Auto Repair

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Updated: August 18, 2014 at 5:19 AM

Becareful of Monkeys in Zhangjiajie National Forest Park

Zhangjiajie National Forest Park, Zhangjiajie

Verdict: Recommended

Categories: Travel

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Updated: August 18, 2014 at 3:56 AM

Getting Married

There seems to be an unusual image regarding marriage. People seem to think marriage tradition that is meant to be like God has designed us to get married and live happily together forever. You probably got that from the movies.

I have spoken to many people and observer many statistics, it is in my opinion, more to lose to than to gain once you are married, especially in Canada.

First, the Canadian government wants you to get married. It is financially in their best interest that you get married. This way, the burden is on you as a couple and not on the government. The government does what they can to force marriage such as unfairly using married by common law. 

Second, the likelihood of you getting a divorce is 50%. You are simply flipping a coin. And that doesn't mean just because you are married means you are happy. There are plenty of unhappily married couples. So, how many happy married couples exist. Statistically (and I really do not know what their unit of measurement is for "happy"), they say it is roughly 20% of all married who did not divorce. This means of the 100% of married couples, 50% will get a divorce and 40% will stay un unhappily married and only 10% will be happy.

We will leave divorce for another article, but getting a divorce is even less recommended, especially for rich, kind men who marry greedy wives!

Verdict: Not Recommended

Categories: Life

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Updated: August 18, 2014 at 3:30 AM

Just outside the Great Wall of China

Beijing

Verdict: Recommended

Categories: Travel

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Updated: August 15, 2014 at 12:40 AM

Marriage License Fee in Ontario

Where's the cheapest place to get a marriage licence in Ontario?
Ajax $125
Aurora $145
Brampton $135
Brock $75
Burlington $145
Caledon $120
Clarington $125
East Gwillimbury $125
Georgina $100
Hamilton $141
Markham $147
Milton $161
Mississauga $140
Newmarket $125
Niagara Falls $125
Oakville $145
Oshawa $125
Ottawa $167
Owen Sound $150
Pickering $125
Richmond Hill $140
Scugog $125
Toronto $140
Uxbridge $125
Vaughan $139
Whitby $125
Whitchurch-Stouffville $145

Ontario

Verdict: Recommended - choose the city based on price and distance, the quality of service are all the same

Categories: Marriage License

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Updated: August 5, 2014 at 10:28 PM

Central Huron

Marriage License Fee - $100
One of the lower prices. Brock Ontario is the cheapest at $75
http://www.centralhuron.com/Marriage-Licencing-and-Civil-Ceremonies

Central Huron, Ontario

Verdict: Recommended - but 3 hour drive from Toronto

Categories: Marriage License

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Updated: August 5, 2014 at 9:40 PM

Scugog, Ontario

Marriage License Fee: $125
http://www.scugog.ca/marriage_php.39.php

Scugog, Ontario

Verdict: Recommended - Only Brock is cheaper, but Brock is an hour drive

Categories: Marriage License

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Updated: August 5, 2014 at 9:36 PM

Stouffville, Ontario

Marriage Ceremoney Fee: $280
Witnesses are $55 per witness
http://www.townofws.ca/en/residents/Ceremonies.asp

Stouffville, Ontario

Verdict: Not Recommended - cities nearby are cheaper such as Markham

Categories: Marriage Ceremony

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