SPECIAL REPORT
New Research Shows Coupon Use Up 27% | SYS-CON AUSTRALIA
NEW YORK, Jan. 28 /PRNewswire/ -- Shoppers redeemed 3.3 billion consumer package goods coupons in 2009 -- a 27% increase over the 2.6 billion redeemed in 2008. It seems harsh economic times have forced many people to suddenly get serious about saving. Read more ...
Excellent reading material. Not applicable for Canada, but there is no reason for all of us here not to use coupons - its tax free money. Get started now. Coupons are every where, just look around you in the stores, newspapers, magazines, and sometimes delivered to your door with your free local newspaper.
Sunday, January 31, 2010
Price Match from Staples - 110% Price Guarantee
Staples offers price match which is 110% price guarantee if you find a lower advertised price on an in-stock new identical item.
The rules are:
Check this out:
There is more, read here. The rules may change please check Staples web site regularly.
The rules are:
- It must and I say again must be identical item.
- It must be from an Authorized Canadian dealer, therefore, some wholesalers may not apply.
- Claim must be submitted now or within 30 days of purchase, 14 days on computers and laptops.
Check this out:
- If the Staples competitor's Authorized Canadian dealer has a bonus offer with in an item that Staples carry, Staples will match the price and provide the identical bonus item if possible.
- If the Staples competitor's Authorized Canadian dealer offers a free Gift Card with an item that is carried by Staples, Staples will match the competitor’s price and provide the same valued Gift Card.
There is more, read here. The rules may change please check Staples web site regularly.
Thursday, January 28, 2010
Tax Free Savings Account TFSA 3% Interest Rate @ ING DIRECT Canada
ING DIRECT Canada is offering 3% interest rate for your Tax Free Savings Account TFSA.
What is TFSA? TFSA is a Tax Free Savings Account, an account that is registered with Government of Canada, and allows you to put maximum $5000 every year. Any interest earned in this account is tax free. That is you will not pay any tax on it even if you double your money. Start saving now, this is a really good option to have because you can take this money out anytime, for example in case of emergency. Note that some banks will charge you fee for taking money out, some offer one free withdrawal a year, and some charge none. Ensure to ask these questions.
What is TFSA? TFSA is a Tax Free Savings Account, an account that is registered with Government of Canada, and allows you to put maximum $5000 every year. Any interest earned in this account is tax free. That is you will not pay any tax on it even if you double your money. Start saving now, this is a really good option to have because you can take this money out anytime, for example in case of emergency. Note that some banks will charge you fee for taking money out, some offer one free withdrawal a year, and some charge none. Ensure to ask these questions.
Walmart FREE Music Downloads - Give It To Me Right, According to You, Broken Bones & More ...
Download FREE music from Walmart. The online store regularly offers sample of music for you to order for free. Their playlist changes so check in regularly. Note, you must have account set up with walmart.com in order to download. Here is the link for free music downloads.
Downloads available as of January 28, 2010
Melanie Fiona - Give It To Me Right
Orianthi - According to You
Rev Theory - Broken Bones
Katharine McPhee - Had It All
Thalia - Equivocada
Eiza - Impredecible
Corinne Bailey Rae - I’d Do It All Again (Acoustic)
Downloads available as of January 28, 2010
Melanie Fiona - Give It To Me Right
Orianthi - According to You
Rev Theory - Broken Bones
Katharine McPhee - Had It All
Thalia - Equivocada
Eiza - Impredecible
Corinne Bailey Rae - I’d Do It All Again (Acoustic)
Wednesday, January 27, 2010
Dr. Oetker Ristorante & Casa Di Mama Pizza Coupons
Check the Dr. Oetker website regularly as they always have few coupons for you to use. They are usually for $1.50 if you buy two pizzas or save $0.75 if you buy one. Remember, the best deals are when these pizza's are on sale. Nofrills and Walmart usually have good deals on them. Sometimes promotional price is between $2.99 Cad - $3.99 Cad, and after you apply your $0.75 coupon, you can have pizza's for just above $2.00 Cad, and that is a good price.
FREE $10 Quickpay Tim Card (Tim Hortons) From Shoppers Drug Mart
When you spend $50 or more at Shoppers Drug Mart on almost anything in the store. Quickpay Tim Card can be used towards your next purchase at the participating Tim Hortons locations. As any other promotional offer this offer is valid on the purchase total of eligible products after discounts and redemptions and before taxes.
This offer excludes prescriptions, products with codeine, tobacco products if applicable, stamps, passport photos, lottery tickets, event tickets, transit tickets and passes, electronic gift cards, Life Experiences® packages and pre-paid phone cards. Shoppers Drug Mart store reserve the right to substitute an item of equivalent value.
EXPIRY DATE: January 30 - February 1, 2010
This offer excludes prescriptions, products with codeine, tobacco products if applicable, stamps, passport photos, lottery tickets, event tickets, transit tickets and passes, electronic gift cards, Life Experiences® packages and pre-paid phone cards. Shoppers Drug Mart store reserve the right to substitute an item of equivalent value.
EXPIRY DATE: January 30 - February 1, 2010
Buy 10 Pharmasave Products & Get ONE Free
Pharmasave carries over 700 Pharmasave brand products for you to choose. They are compatible to the National Brand and offer the same or sometimes better quality. Buy 10 Pharmasave products today and get one free.
EXPIRY DATE: Not Available
EXPIRY DATE: Not Available
Buy 3 Carlton Cards At Pharmasave & Save $5
Download $5 coupon from PharamSave (Canada's Neighbourhood Pharamacy). You must buy three Carlton Cards in order to receive $5 off the purchase. Hurry, Valentines is around the corner.
EXPIRY DATE: February 14, 2010
EXPIRY DATE: February 14, 2010
Tuesday, January 26, 2010
Reduce The Amount Of Income Tax With Registered Retirement Savings Plan RRSP
What is an RRSP? RRSP is a registered Retirement Savings Plan. It is an investment account registered with Government of Canada and designed for savings toward individual's retirement years. RRSP has special tax benefits. By contributing to RRSP individuals can reduce the amount of income tax to be paid every year. That is if you contribute enough you can bring your income to the lower income tax bracket. Note that there is maximum you can contribute every year. This information can be collected from the individuals Income Tax Notice of Assessment issued every fiscal year.
The money you put away has tax-deferred growth potential. That is individual can invest that money every year, grow and will not have to pay tax on the profits in the account. It is tax sheltered but until individual decides to withdraw this money, usually when retired. Note that contribution can only be made by the individual who is earning income taxable in Canada. This includes individual's salary, self-employed income, rental income. Check with your RRSP provider or Canada Revenue Agency CRA for other options. To invest in RRSP you can do that through most of banks in Canada, trust companies and financial institutions.
The money you put away has tax-deferred growth potential. That is individual can invest that money every year, grow and will not have to pay tax on the profits in the account. It is tax sheltered but until individual decides to withdraw this money, usually when retired. Note that contribution can only be made by the individual who is earning income taxable in Canada. This includes individual's salary, self-employed income, rental income. Check with your RRSP provider or Canada Revenue Agency CRA for other options. To invest in RRSP you can do that through most of banks in Canada, trust companies and financial institutions.
Receive Free Hamilton Beach Toaster Oven With Purchase of Dempster's Products
First 10,000 consumers will receive FREE Hamilton Beach ToastationII toaster oven with registration of 12 entry codes. Available on a first-come, first-served basis. Codes can be found on the Dempster's products. Shipping and handling of $18 applies. Dempster's specially marked products can be found in the major supermarkets like Longo's, Superstore, Walmart, and many more. Visit www.thinkbreadinstead.ca for more details about the free Hamilton Beach toaster oven offer, about delicious recipes and much more.
EXPIRY DATE: February 12, 2010
EXPIRY DATE: February 12, 2010
Digital Prints Online in Canada Photo Printing Price Comaprison
This is a guide comparison matrix only. Prices may change without notice. Visit supplier's web site to verify pricing. More suppliers will be added in the future, check in later.
Note:
1) No shipping charges on pick up in store orders.
2) Shipping and handling charges apply for orders to be delivered.
3) Some stores like Costco, paid membership is required.
4) Watch for promotional offers - free prints with your first order.
Qty |
4x6" |
5x7" |
8x10" |
|
Black's |
< 50 |
$0.35 |
NA |
NA |
| > 50 | $0.29 | NA | NA | |
| 1+ | NA | $1.99 | $4.19 | |
| Costco | 1+ | $0.15 | $0.42 | $1.39 |
KodakGallery |
< 50 | $0.19 | $0.99 | |
| > 50 | $0.17 | $0.69 | ||
| > 100 | $0.15 | $0.39 | ||
| < 10 | $2.79 | |||
| > 10 | $1.39 | |||
| Kwikpix | Min 50 | $0.10 | NA | $2.99 |
| PhotoLab | 1+ | $0.19 | $0.99 | $2.99 |
Walmart |
< 200 | $0.19 | NA | NA |
| > 200 | $0.18 | NA | NA | |
| 1+ | NA | $0.97 | $2.97 |
Note:
1) No shipping charges on pick up in store orders.
2) Shipping and handling charges apply for orders to be delivered.
3) Some stores like Costco, paid membership is required.
4) Watch for promotional offers - free prints with your first order.
Monday, January 25, 2010
Get $3 Coupon from Chapman's Ice Cream - More Details Below
Simply email Chapman's Ice Cream your favorite recipe using their ice cream and if it is used on their web site you will receive a $3 Chapman's Ice Cream coupon. Here is link for more details. Good luck.
Chapman’s Ice Cream is a largest Canadian independent ice cream manufacturer located in the community of Markdale, Ontario.
Chapman’s Ice Cream is a largest Canadian independent ice cream manufacturer located in the community of Markdale, Ontario.
Tuesday, January 19, 2010
Invest in Registered Education Savings Plan (RESP) & Your Child Could Receive Up To $500 In Grant
Canada Education Savings Grant (CESG) - a grant from the Government of Canada which encourages Canadian families to start saving for children's education after high school.
Registered Education Savings Plan (RESP) - a registered account where you can start savings for your child's future education. This account can be opened at almost any financial institution. For the certain amount invested every year, government can pay up to $500 Cad in grant into this registered account. The Canada Education Savings Grant applies to all children up to age 17, that are Canadian citizens and have RESP account. Note, special rules apply for children between ages 15 and 17.
How To Get the Canada Education Savings Grant?
1) Get a Social Insurance Number (SIN). Note, there is no age restrictions who can have the SIN number, even baby can get one.
2) Open a RESP account with a financial institution such as bank or credit union. Some certified financial planners or group plan dealers can do that for you too.
Facts About RESP
1) RESP is a special savings account registered with the Government of Canada.
2) RESP money can be invested. Consult your financial institution to obtain the best interest rate. You will not be charged on the interest the account makes, and child can usually withdraw this money tax-free.
3) Every penny counts. For any amount you invest in child's RESP, the child will receive grant.
4) Not only parents, but friends and family can contribute to your child's RESP.
5) The sooner you start, the more you will save for your child's future education.
How Much Grant Your Child Will Receive?
On the first $500 parent saves in child's RESP, you can receive:
- up to $200 for the family with net income* of $37,885 or less
- up to $150 for the family with net income* between $37,885 and $75,769
- up to $100 for the family with net income* of $75,769 or more
*Income amounts are for 2008. Family income's are updated every year, check with Government of Canada.
Note, the maximum grant a child can receive is between $500 and $600 per year, and the life time total of $7,200.
For more information you can call 1 800 O-Canada (1-800-622-6232)
Registered Education Savings Plan (RESP) - a registered account where you can start savings for your child's future education. This account can be opened at almost any financial institution. For the certain amount invested every year, government can pay up to $500 Cad in grant into this registered account. The Canada Education Savings Grant applies to all children up to age 17, that are Canadian citizens and have RESP account. Note, special rules apply for children between ages 15 and 17.
How To Get the Canada Education Savings Grant?
1) Get a Social Insurance Number (SIN). Note, there is no age restrictions who can have the SIN number, even baby can get one.
2) Open a RESP account with a financial institution such as bank or credit union. Some certified financial planners or group plan dealers can do that for you too.
Facts About RESP
1) RESP is a special savings account registered with the Government of Canada.
2) RESP money can be invested. Consult your financial institution to obtain the best interest rate. You will not be charged on the interest the account makes, and child can usually withdraw this money tax-free.
3) Every penny counts. For any amount you invest in child's RESP, the child will receive grant.
4) Not only parents, but friends and family can contribute to your child's RESP.
5) The sooner you start, the more you will save for your child's future education.
How Much Grant Your Child Will Receive?
On the first $500 parent saves in child's RESP, you can receive:
- up to $200 for the family with net income* of $37,885 or less
- up to $150 for the family with net income* between $37,885 and $75,769
- up to $100 for the family with net income* of $75,769 or more
*Income amounts are for 2008. Family income's are updated every year, check with Government of Canada.
Note, the maximum grant a child can receive is between $500 and $600 per year, and the life time total of $7,200.
For more information you can call 1 800 O-Canada (1-800-622-6232)
Monday, January 18, 2010
Free Blizzard® Treat When You Join Blizzard® Fan Club
Few years ago Dairy Queen started online blizzard marketing campaign called the Blizzard® Fan Club. When you join the Blizzard® Fan Club you will get two Blizzard® treats for the price of one - a FREE 16 fl. oz. Blizzard® treat with the purchase of another 16 fl. oz. Blizzard® treat electronic printable coupon for joining the Fan Club. You will also get special offers and the latest news throughout the year send to your email address - that is monthly emails containing new Blizzard® treat promotions, flavor updates, contests and more. You will be the first to hear about NEW Blizzard® treats. Lastly, you will receive electronic printable coupon on your Birthday and a special surprise every year you are in the Fan Club.
Wednesday, January 13, 2010
Supermarket Review: Real Canadian SuperStore - Flayer, Online, Renovations
Last year before Christmas Real Canadian Superstore started store renovations and also re-designing their online store look. It took a while for the consumers to adjust, since they moved things around in the store a lot. Comments like this would be heard - 'It used to be here', 'Oh this is now to expensive with round down'. It seems better now, as consumers got know the store better, plus the local store, for example one in Aurora Ontario offered free appreciation coupons - free cheese, juice and BBQ ribs. It took forever to get the ribs, as they were always not in stock.
However, dissatisfaction comes from looking at the weekly flayer online. It used to be a mirror image of the printed version. Now it is store online look alike, lists individual items. Its nice and clean, but most of the time the products are not even clearly visible - too small to see. Since, some of us like to look at the deals online, this whole change isn't something consumer would look forward too. Simple search would not even find pampers diapers.
Everyday Find Over 2000 Prices Rounded Down is a newest campaign to attract more consumers to Superstore. Great deals can be found, no doubt. The look is not so great, but who cares when the price is right. When the 2000 Prices Rounded Down was introduced, it clearly showed similarities to the Wal-mart printed flayer, the rounded numbers and never mind the color scheme. Is this to confuse the consumers, or someone creating this campaign didn't have the imagination?
Lastly, with the great renovation no body thought of fixing the self-serve bag loading dock. Very inconvenient design for the reusable bags and recyclable boxes. Seems like we all tend to overlook the hardest projects.
However, dissatisfaction comes from looking at the weekly flayer online. It used to be a mirror image of the printed version. Now it is store online look alike, lists individual items. Its nice and clean, but most of the time the products are not even clearly visible - too small to see. Since, some of us like to look at the deals online, this whole change isn't something consumer would look forward too. Simple search would not even find pampers diapers.
Everyday Find Over 2000 Prices Rounded Down is a newest campaign to attract more consumers to Superstore. Great deals can be found, no doubt. The look is not so great, but who cares when the price is right. When the 2000 Prices Rounded Down was introduced, it clearly showed similarities to the Wal-mart printed flayer, the rounded numbers and never mind the color scheme. Is this to confuse the consumers, or someone creating this campaign didn't have the imagination?
Lastly, with the great renovation no body thought of fixing the self-serve bag loading dock. Very inconvenient design for the reusable bags and recyclable boxes. Seems like we all tend to overlook the hardest projects.
Free Gift Cards: Free Gas $20 Esso Gift Card at Shoppers Drug Mart
Free Gas $20 Esso Gift Card from Shoppers Drug Mart when you spend $75 CAD or more this coming Saturday January 16th, 2010 until Monday January 18th, 2010. You can also win free gas for a year if you visit shoppersdrugmart.ca and enter your name, email address, and the number on the free gift card. Winners will be announced on February 22, 2010.
Note, the Esso gift card is valid for the limited time. Encouraging to fill up soon. However, it is also interesting to know that at some point government of Canada issued bill - no more expiry dates for gift cards.
EXPIRY DATE: Free Gift Card offer January 16, 17, 18 2010
EXPIRY DATE: Win Free Gas January 16 to February 8 2010
EXPIRY DATE: Esso Card January 16 to February 8 2010
Note, the Esso gift card is valid for the limited time. Encouraging to fill up soon. However, it is also interesting to know that at some point government of Canada issued bill - no more expiry dates for gift cards.
EXPIRY DATE: Free Gift Card offer January 16, 17, 18 2010
EXPIRY DATE: Win Free Gas January 16 to February 8 2010
EXPIRY DATE: Esso Card January 16 to February 8 2010
Tuesday, January 12, 2010
Free Deals: Free 4 Prints 8x10 from Costco, Members Only
In-Store Pick-Up
Costco is running a promotion and giving away 4 free prints 8x10 size. Members only. Use coupon code CWFEA111 at check out. No other purchase is necessary. In-store pick up only at your local Costco.
Costco Price for 8x10 photo - $ 1.39 CAD
Savings - $ 5.56 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: Unknown
Costco is running a promotion and giving away 4 free prints 8x10 size. Members only. Use coupon code CWFEA111 at check out. No other purchase is necessary. In-store pick up only at your local Costco.
Costco Price for 8x10 photo - $ 1.39 CAD
Savings - $ 5.56 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: Unknown
Monday, January 11, 2010
FREE Ice Cream for Your Birthday from Baskin Robbins Canada
Register for Birthday Club with Baskin Robbins Canada and you will receive a FREE ice cream offer five days before your birthday. You will also be eligible to receive other special offers and coupons all year long.
EXPIRY DATE: Unknown
EXPIRY DATE: Unknown
Hurry - the Home Renovation Tax Credit HRTC is About to Expire
Hurry you only have until February 1, 2010 to do a last minute house, condo or cottage renovations.
The Home Renovation Tax Credit HRTC is a non-refundable tax credit based on eligible expenses for all renovations, and improvements to your house, condo or cottage. It can be claimed on your 2009 Income Tax return. It applies to work done or materials purchased after January 27, 2009, and before February 1, 2010.
Renovation expenses must be minimum $1,000 and not to exceed $10,000 for maximum credit of $ 1,350 per family. If more than one family shares the home, then each family can claim up $ 10,000 in renovation expenses for credit up to $ 1,350 per family.
More information can be found on the Canada's Government website, under Home Renovation Tax Credit (HRTC).
EXPIRY DATE: February 1, 2010
The Home Renovation Tax Credit HRTC is a non-refundable tax credit based on eligible expenses for all renovations, and improvements to your house, condo or cottage. It can be claimed on your 2009 Income Tax return. It applies to work done or materials purchased after January 27, 2009, and before February 1, 2010.
Renovation expenses must be minimum $1,000 and not to exceed $10,000 for maximum credit of $ 1,350 per family. If more than one family shares the home, then each family can claim up $ 10,000 in renovation expenses for credit up to $ 1,350 per family.
More information can be found on the Canada's Government website, under Home Renovation Tax Credit (HRTC).
EXPIRY DATE: February 1, 2010
Get FREE Coupons, Recipes and Nutritional Value Information From Liberte Yogourts
Liberte company is offering free coupons, recipes and nutritional value information in their newsletter for their yogurts if you to become a Liberté @mbassadeur. Send them an email as per instructions on their web site, and tell them which Liberté yogurt is your favorite.
EXPIRY DATE: Unknown
EXPIRY DATE: Unknown
FREE Clover Leaf Tuna - Complete Survey
Clover Leaf offers free Clover Leaf Tuna coupon if you complete quick survey on their web site. If you are member all you have to do is sign in and on the right bottom menu click on the survey. Complete and they will send you a free product coupon for one of their tuna products. If you are not a member, you will need to complete a membership form, its also free. Click here.
Approximate Cost of Clover Leaf product - $ 1.00 - 2.00 CAD
Savings - $ 1.00 - 2.00 CAD
EXPIRY DATE: Unknown
Approximate Cost of Clover Leaf product - $ 1.00 - 2.00 CAD
Savings - $ 1.00 - 2.00 CAD
EXPIRY DATE: Unknown
Sunday, January 10, 2010
Remove Your Refrigerator For FREE - Great Refrigerator Roundup Program
PowerStream and Ontario Power Authority will take away your old refrigerator for FREE. Not just take away from your property, but take it out from your basement.
Many of us have second fridge in the basement wasting up to $150 CAD per year in electricity. If you find that you are not fully using it, you can dispose it with help from every kilo watt counts. You can make the pick up appointment online at www.everykilowattcounts.com/roundup. Some conditions may apply. Your fridge will be disposed in an environmentally responsible matter.
The round up program also offers to take away from you the old window shaker air conditioner or dehumidifier.
Great opportunity to save money on the electricity bill and get rid of the headache.
EXPIRY DATE: Unknown
Many of us have second fridge in the basement wasting up to $150 CAD per year in electricity. If you find that you are not fully using it, you can dispose it with help from every kilo watt counts. You can make the pick up appointment online at www.everykilowattcounts.com/roundup. Some conditions may apply. Your fridge will be disposed in an environmentally responsible matter.
The round up program also offers to take away from you the old window shaker air conditioner or dehumidifier.
Great opportunity to save money on the electricity bill and get rid of the headache.
EXPIRY DATE: Unknown
Friday, January 8, 2010
Deals: Tim Hortons Donut Deal - Only 49 Cents
For a limited time only Tim Hortons is running a Donut Deal! Great deal to start the new year, but also to break diet new years resolutions. However, there is nothing wrong to treat yourself with a donut and especially when it is a good price.
For a limited time, when you buy a fresh cup of coffee or any beverage, you can get any one of our freshly baked donuts for just 49¢ CAD. This offer is 59¢ in Squamish BC, Canmore, Fort McMurray AB, Yukon and Northwest Territories. At participating stores for a limited time. Not valid with any other offer or on bulk beverage purchases. Promotion not applicable to combos.
EXPIRY DATE: Limited Time Offer
For a limited time, when you buy a fresh cup of coffee or any beverage, you can get any one of our freshly baked donuts for just 49¢ CAD. This offer is 59¢ in Squamish BC, Canmore, Fort McMurray AB, Yukon and Northwest Territories. At participating stores for a limited time. Not valid with any other offer or on bulk beverage purchases. Promotion not applicable to combos.
EXPIRY DATE: Limited Time Offer
Electricity Saving Tip - Cook With Lids
By using newest designs of the pots and pans, and lids you can actually save some some money on the electricity bill.
- When using lids, you reduce amount of steam, so you don't have to run fan.
- When using lids, you can cook on the lower heat, because all the heat is trapped in the pot.
- When using lids, you can also cook faster, that is reducing time of cooking.
- When using lids made of glass, you can reduce number of times you have to look at your cooking food.
Monday, January 4, 2010
Winterize Your Home - Stop Air Drafts with Weatherstripping and Air Sealing
It is very common to have air leaks in the house. Many of them come from windows and electrical outlets. The average house in Canada looses up to 40 % of heat due to air leaks. Air sealing and weatherstripping can help to reduce amount of air leaks in your house. The electrical outlet air leak can be sealed with a weatherstrip outlet plate. These products can be easily found at Canadian Tire, Home Depot, Lowe's or other hardware outlets.
Time-of-Use Electricity Prices & How To Adapt
Back in October 2009 our household received a notice that the Time-of-Use price schedule is in effect. Two things happened. Firstly the PowerStream notified us that the new Electricity Prices & Charges for York Region customers are in effect since September 1st, 2009. Little late notice. Secondly, they send us historical data based on last year electricity consumption data that give us a comparison of constant rates versus the time-of-use rates. Another disappointment, if we were to be on the time-of-use method last year, we would have paid more for electricity by $2.33.
However, the Time-of-Use for York Region is in effect and there is nothing we can do but adapt. The Time-of-Use has different electricity rates, depending when the electricity is used. It has three periods, Off-peak, Mid-peak and On-peak. The most expensive rate of course is during On-peak. For example, our Time-of-Use rates from PowerStream are: for Off-Peak is $0.042 per kWh, for Mid-Peak is $0.076 per kWh, and On-Peak is $0.091 per kWh.
Another interesting fact about the Time-of-Use is that the price do change for on, mid and off-peak between Summer and Winter. The hours for On-Peak prices for summer season (May 1 - October 31) are between 11 am and 5 pm. The hours for On-Peak prices for winter season (November 1 - April 30) are from 5 pm to 9 pm. The PowerStream recommends to run dishwasher and dryer after 9 pm, or on weekends or holidays. But then how about the oven - another great electricity eater, coincidentally we need to eat too. The On-Peak during winter season falls on dinner time, a time when parents, children get home and dinners are being prepared. But then what could be worst, cooking dinner during summer time and running the air conditioner.
Now let me tell you how we changed our life style to follow the Time-of-Use price periods.
However, the Time-of-Use for York Region is in effect and there is nothing we can do but adapt. The Time-of-Use has different electricity rates, depending when the electricity is used. It has three periods, Off-peak, Mid-peak and On-peak. The most expensive rate of course is during On-peak. For example, our Time-of-Use rates from PowerStream are: for Off-Peak is $0.042 per kWh, for Mid-Peak is $0.076 per kWh, and On-Peak is $0.091 per kWh.
Another interesting fact about the Time-of-Use is that the price do change for on, mid and off-peak between Summer and Winter. The hours for On-Peak prices for summer season (May 1 - October 31) are between 11 am and 5 pm. The hours for On-Peak prices for winter season (November 1 - April 30) are from 5 pm to 9 pm. The PowerStream recommends to run dishwasher and dryer after 9 pm, or on weekends or holidays. But then how about the oven - another great electricity eater, coincidentally we need to eat too. The On-Peak during winter season falls on dinner time, a time when parents, children get home and dinners are being prepared. But then what could be worst, cooking dinner during summer time and running the air conditioner.
Now let me tell you how we changed our life style to follow the Time-of-Use price periods.
- As per recommendations we run our dryer after 9 pm and weekends or holidays, and if the laundry really needs to be done, then just washer is used, and clothes are hanged.
- We need to eat. Therefore, I use my toaster oven which uses much less energy than the regular oven.
- We do batch cooking after 9 pm.
- Air conditioning will be interesting, it all depends how hot next summer will be. May be we should finish the basement, as it is always cooler in the lower parts of the house.
Sunday, January 3, 2010
Product Recall - Flashing Eyeball Filled With Petroleum Distillates
Petroleum distillates are hydrocarbon solvents manufactured from the crude oil. The hydrocarbon solvents include mineral spirits, white spirits, kerosene, naphtha, and Stoddard solvent.
And if you didn't know about the Stoddard solvent, it is a colorless, flammable liquid. It smells and tastes like kerosene. At temperature range of 150-200 C it will turn into a vapor. This solvent has many usages and it is used as a paint thinner, as a dry cleaning solvent in some photocopier toners and printing inks, and as a general cleaner and de-greaser.
Petroleum distillates in general are good for removal of heavy oils, grease, tar and waxes because they have a low surface tension; therefore, they can easily penetrate and clean small spaces and grooves. These solvents are flammable, therefore, it is recommended to use them at or near the room temperature.
Petroleum distillates are volatile organic compounds (VOCs) and its usage in Canada especially in toys is strictly prohibited. These solvents must be recycled by distillation. Disposal is performed by the chemical incineration in an approved facility in your area.
Flashing Eyeball Recall
The recent recalled product by Health Canada on December 29, 2009 is a Flashing Eyeball that contains low viscosity petroleum distillates, a toxic liquid that can be released if the toy is broken. This toy was sold exclusively at Pier 1 stores. The fake eyeball toy will display in various colored lights when knocked against the hard surfaces. Approximately 770 units been sold in Pier 1 stores across Canada from September to December 2009. Toy was made in China.
For further information you can read more on the Canada Government Consumer Recall Products.
And if you didn't know about the Stoddard solvent, it is a colorless, flammable liquid. It smells and tastes like kerosene. At temperature range of 150-200 C it will turn into a vapor. This solvent has many usages and it is used as a paint thinner, as a dry cleaning solvent in some photocopier toners and printing inks, and as a general cleaner and de-greaser.
Petroleum distillates in general are good for removal of heavy oils, grease, tar and waxes because they have a low surface tension; therefore, they can easily penetrate and clean small spaces and grooves. These solvents are flammable, therefore, it is recommended to use them at or near the room temperature.
Petroleum distillates are volatile organic compounds (VOCs) and its usage in Canada especially in toys is strictly prohibited. These solvents must be recycled by distillation. Disposal is performed by the chemical incineration in an approved facility in your area.
Flashing Eyeball Recall
The recent recalled product by Health Canada on December 29, 2009 is a Flashing Eyeball that contains low viscosity petroleum distillates, a toxic liquid that can be released if the toy is broken. This toy was sold exclusively at Pier 1 stores. The fake eyeball toy will display in various colored lights when knocked against the hard surfaces. Approximately 770 units been sold in Pier 1 stores across Canada from September to December 2009. Toy was made in China.
For further information you can read more on the Canada Government Consumer Recall Products.
Saturday, January 2, 2010
Cost of Driving Your Car - Consumption Rate per Kilometer
With the increasing gas prices sometimes driving a long distance to the retailer or supermarket with your 50 cents coupon may not be a good deal after all. You will save 50 cents, but to get there it may cost you $1.6 in gas, not to mention depreciation of your car since you are putting extra millage. Therefore, it is actually good to know your vehicle's gasoline consumption rate per km, and here is a simple method how to calculate this consumption rate [$/L].
Let A be the Price of the Gas per Litre [$/L]
Let B be the Volume of Car's Tank [L]
Let C be the Total Distance per Car Tank [km/L]
Let D be the Cost of Gas per Km [$/km]
Value of A may change depending on the day. We all know that gas prices are volatile. Value of B is constant, because your car tank will always be the same size. Value of C is approximate, because it depends where and how you drive, your gas consumption may vary; however, just take an average number.
First calculate cost to fill up your tank. For example, your tank can hold 80 L [B] of gasoline. Today price of gas was $1/L [A]. Then it will cost you $80 to fill up your tank. You also know that you can drive about 500 km [C] on your tank.
Therefore to find the Cost of Gas per Km [D] = $80 / 500 km [C] = $0.16/km or 16 cents per km.
Now you have coupon for 50 cents for orange juice. It takes about 10 km back and forth. Therefore, it will cost you $1.60 per that trip. Subtract 50 cents from the cost of your drive. As you can see you are not saving, you are actually spending additional $1.10. Well, you better be doing full grocery shopping then.
Let A be the Price of the Gas per Litre [$/L]
Let B be the Volume of Car's Tank [L]
Let C be the Total Distance per Car Tank [km/L]
Let D be the Cost of Gas per Km [$/km]
Value of A may change depending on the day. We all know that gas prices are volatile. Value of B is constant, because your car tank will always be the same size. Value of C is approximate, because it depends where and how you drive, your gas consumption may vary; however, just take an average number.
First calculate cost to fill up your tank. For example, your tank can hold 80 L [B] of gasoline. Today price of gas was $1/L [A]. Then it will cost you $80 to fill up your tank. You also know that you can drive about 500 km [C] on your tank.
Therefore to find the Cost of Gas per Km [D] = $80 / 500 km [C] = $0.16/km or 16 cents per km.
Now you have coupon for 50 cents for orange juice. It takes about 10 km back and forth. Therefore, it will cost you $1.60 per that trip. Subtract 50 cents from the cost of your drive. As you can see you are not saving, you are actually spending additional $1.10. Well, you better be doing full grocery shopping then.
Take Advantage of the Free Stuff
Retailers and manufacturers are fighting to get consumer attention by offering lot of free stuff. It seems like this is a last marketing resource, because what could be better than free.
There are two ways to get free stuff. One is that you get something absolutely free, no strings attached. The other one is - buy one get second one for free. In the first option retailer hopes that you will buy something additional after receiving your free stuff or at least return to the store; but in the second option there is no hoping, you have to buy something to be rewarded.
The point of this post is, what are you waiting for, take advantage of the free stuff if you can. Here is the outline of some of the examples of getting free stuff.
Free Photo Prints
Many retailers will run special promotion offers for free prints if you order them online. Many of the photo centers will also give free prints for the new sign up accounts or new memberships. For example, once Wal-Mart was running this great promotion where after entering specific online code, you could receive 50 prints free. The most you could do for Wal-mart was to buy 51 prints. The the other time I found promotions in Real Canadian Superstore, 8x10 prints for 50 cents each, compared to $1.99 CAD or more for prints of this size.
Free Samples
I don't know if free samples are good idea. However, the best samples and free products I ever received was from baby formula and diaper companies. You can literally collect piles of huggies diapers everywhere where they sell baby products. Heinz will send you containers of free baby formula if you register with them. Companies that manufacture shampoos, conditioners, lotions and creams are willing to send you try out samples - but these are usually small, but good to use for your travel. Sometimes you can run into promotions from Nutella, or Power Bars. And when you hungry, you can go to Costco, and you can practically get full lunch with a desert when you march through the isles and pick up samples.
Free Points on Credit Cards
You have nothing to loose if you are asked to apply for the points card. Collect PC Points, AirMiles, Aeroplan, Optimum, Petro Points. I just love when I go to the store, and get full cart of groceries for under ten dollars. The best shopping I ever had was at the Shoppers Drug Mart. I accumulated points for products worth $250.00 CAD, just had to pay taxes on the end.
Manufacturing Coupons
Coupon are usually tricky if you want to get free stuff. You have to wait for sales to minimize the final cost. However, if you search on line, sometimes manufacturers can send you coupons for free stuff, just because they want you to try their products.
Surveys
Surveys are not absolutely free, because you have to complete survey in order to get something. Surveys are different category, some put you into sweepstakes to win cash, which probably you will never win; in some you collect points and cash out when you reach so many points; and some pay you per survey completed. Sometimes you will be asked to try new products, so you may receive stuff like cereals, salad dressings, washing detergents, or soups to try. No objection to that one.
There are two ways to get free stuff. One is that you get something absolutely free, no strings attached. The other one is - buy one get second one for free. In the first option retailer hopes that you will buy something additional after receiving your free stuff or at least return to the store; but in the second option there is no hoping, you have to buy something to be rewarded.
The point of this post is, what are you waiting for, take advantage of the free stuff if you can. Here is the outline of some of the examples of getting free stuff.
Free Photo Prints
Many retailers will run special promotion offers for free prints if you order them online. Many of the photo centers will also give free prints for the new sign up accounts or new memberships. For example, once Wal-Mart was running this great promotion where after entering specific online code, you could receive 50 prints free. The most you could do for Wal-mart was to buy 51 prints. The the other time I found promotions in Real Canadian Superstore, 8x10 prints for 50 cents each, compared to $1.99 CAD or more for prints of this size.
Free Samples
I don't know if free samples are good idea. However, the best samples and free products I ever received was from baby formula and diaper companies. You can literally collect piles of huggies diapers everywhere where they sell baby products. Heinz will send you containers of free baby formula if you register with them. Companies that manufacture shampoos, conditioners, lotions and creams are willing to send you try out samples - but these are usually small, but good to use for your travel. Sometimes you can run into promotions from Nutella, or Power Bars. And when you hungry, you can go to Costco, and you can practically get full lunch with a desert when you march through the isles and pick up samples.
Free Points on Credit Cards
You have nothing to loose if you are asked to apply for the points card. Collect PC Points, AirMiles, Aeroplan, Optimum, Petro Points. I just love when I go to the store, and get full cart of groceries for under ten dollars. The best shopping I ever had was at the Shoppers Drug Mart. I accumulated points for products worth $250.00 CAD, just had to pay taxes on the end.
Manufacturing Coupons
Coupon are usually tricky if you want to get free stuff. You have to wait for sales to minimize the final cost. However, if you search on line, sometimes manufacturers can send you coupons for free stuff, just because they want you to try their products.
Surveys
Surveys are not absolutely free, because you have to complete survey in order to get something. Surveys are different category, some put you into sweepstakes to win cash, which probably you will never win; in some you collect points and cash out when you reach so many points; and some pay you per survey completed. Sometimes you will be asked to try new products, so you may receive stuff like cereals, salad dressings, washing detergents, or soups to try. No objection to that one.
Free Deals: New Photo Centre Members Get 25 Free 4x6 Photos from Costco
If you are Costco member you can take advantage of this deal. Create a new online account with Costco Photo Centre and get free 25 photo prints, size 4x6. There is currently no expiry date on this deal, however, may not last forever. Follow instructions on line. Free prints can be picked up at your local Costco store.
Costco Price for 4x6 photo - $ 0.15 CAD
Savings - $ 3.75 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: Unknown
Costco Price for 4x6 photo - $ 0.15 CAD
Savings - $ 3.75 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: Unknown
Free Deals: Existing Members Get 8 Free 5x7 Photos from Costco
If you are Costco member you can take advantage of this deal. Get free 8 photo prints, size 5x7 when you place an order online. This deal expires on January 10, 2010. Use online coupon code CWFP1221 at checkout. Free prints can be picked up at your local Costco store.
Costco Price for 5x7 photo - $ 0.39 CAD
Savings - $ 3.12 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: January 10, 2010
Costco Price for 5x7 photo - $ 0.39 CAD
Savings - $ 3.12 CAD
I cannot comment on tax, you may have to pay for GST and PST, or not. Don't forget that you have to also pay for the gas to get there. Therefore, this is not absolute free offer.
EXPIRY DATE: January 10, 2010
How To Get The Best Price on Everything - Grocery Promotions and Coupons Combined
To get the best price on everything is to take the advantage of promotions and coupons at the same time. Let me give you a prefect example. All prices in Canadian dollar.
Promotion and Coupon Combination Scenario One
Our local store was running special on a pure squeezed orange juice for $1.69 for 1.89 L, regular price approximately $3.99. A month before I picked up few coupons of this brand from some other store where the orange juice was located. The coupon was for $1. Since the coupon is from the manufacturer, who has nothing to do with store specials, this promotion and the coupon was allowed to be combined. How many times do you get pure orange juice not from concentrate for $0.69. Not many times.
Promotion and Coupon Combination Scenario Two
Another time another store was running special on the whole wheat or whole grain pasta. A dry pasta sometimes expensive. However, the price was dropped to $0.99 per package, 300 - 340 grams. This whole wheat pasta or whole grain pasta when not on sale, costs between $1.79 - $2.49. I had a manufacturing coupon that called $1.00 off when you purchase two packages. Again, since the coupon is from the manufacturer, who has nothing to do with store specials, this promotion and the coupon was allowed to be combined. How many times do you get whole wheat pasta for $0.50 a package. Not many times.
My recommendation is to keep your eyes wide open. Look around in the store for coupons. They usually are located in the isles with related products, such as cereal, baking products, pasta or drinks. Basically look every where in the store. Watch out for coupons that are for the same product. Some coupons may look the same, however, often the expiry dates are different, or how much off may be different also - then grab them and sort them later. Another place to look is in-store free magazines or calendars. You will find that lot of grocery stores prints annual calendar with recipes, and often inserts a sheet with coupons. Look for special brochures from Clip n Save or from GoCoupons.ca. Perfect example, one of the omega eggs have booklet with coupons usually from GoCoupons. ca. Lastly, you can check out on-line, places like save.ca has many different brand coupons.
Things to watch out are: expiry dates and coupons for a specific size of the product. Lastly watch out because some coupons are designated for specific stores only, therefore, often you may find that other stores runs a special on the same product with much lower price.
PROMOTION - a promotion that offers savings and only lasts certain period of time.
COUPON - a voucher that calls for designated amount off the original price; expiry dates apply.
Promotion and Coupon Combination Scenario One
Our local store was running special on a pure squeezed orange juice for $1.69 for 1.89 L, regular price approximately $3.99. A month before I picked up few coupons of this brand from some other store where the orange juice was located. The coupon was for $1. Since the coupon is from the manufacturer, who has nothing to do with store specials, this promotion and the coupon was allowed to be combined. How many times do you get pure orange juice not from concentrate for $0.69. Not many times.
Promotion and Coupon Combination Scenario Two
Another time another store was running special on the whole wheat or whole grain pasta. A dry pasta sometimes expensive. However, the price was dropped to $0.99 per package, 300 - 340 grams. This whole wheat pasta or whole grain pasta when not on sale, costs between $1.79 - $2.49. I had a manufacturing coupon that called $1.00 off when you purchase two packages. Again, since the coupon is from the manufacturer, who has nothing to do with store specials, this promotion and the coupon was allowed to be combined. How many times do you get whole wheat pasta for $0.50 a package. Not many times.
My recommendation is to keep your eyes wide open. Look around in the store for coupons. They usually are located in the isles with related products, such as cereal, baking products, pasta or drinks. Basically look every where in the store. Watch out for coupons that are for the same product. Some coupons may look the same, however, often the expiry dates are different, or how much off may be different also - then grab them and sort them later. Another place to look is in-store free magazines or calendars. You will find that lot of grocery stores prints annual calendar with recipes, and often inserts a sheet with coupons. Look for special brochures from Clip n Save or from GoCoupons.ca. Perfect example, one of the omega eggs have booklet with coupons usually from GoCoupons. ca. Lastly, you can check out on-line, places like save.ca has many different brand coupons.
Things to watch out are: expiry dates and coupons for a specific size of the product. Lastly watch out because some coupons are designated for specific stores only, therefore, often you may find that other stores runs a special on the same product with much lower price.
PROMOTION - a promotion that offers savings and only lasts certain period of time.
COUPON - a voucher that calls for designated amount off the original price; expiry dates apply.
Directory
If you think that you have web site that can benefit Canadians, please submit your web site title, web address and brief description to us in the comment box. It will be placed here in this Directory in the alphabetical order. If you can you can also link to us in return.
News
The most current news is that the Smart Canadian Opportunities web site is up and running - a good news. It was scheduled to be released in 2010, and I guess we are right on schedule. Feel free to pop in later for more news, however, remember every post is a good news that brings you free stuff, coupons, ideas how to save money and how to be frugal.
Copyrights
Use and/or reproduction, by any person or organization, of images or information contained on the Smart Canadian Opportunities is not permitted without the express written consent of the respective owners of this blog. Unauthorized use of images and information from this blog constitutes a violation of international copyright, trademark, privacy and communication regulations.
Glossary of Terms
C
CESG Canada Education Savings Grant- a grant from the Government of Canada which encourages Canadian families to start saving for children's education after high school.
COUPON - a voucher that calls for designated $ amount off the original price; expiry dates apply.
P
PROMOTION - a promotion that offers savings and only lasts certain period of time.
R
RECALL - a request to pull out dangerous or risky products from retailer.
RESP Registered Education Savings Plan - a registered account where you can start savings for your child's future education; this account can be open at almost any financial institution.
CESG Canada Education Savings Grant- a grant from the Government of Canada which encourages Canadian families to start saving for children's education after high school.
COUPON - a voucher that calls for designated $ amount off the original price; expiry dates apply.
P
PROMOTION - a promotion that offers savings and only lasts certain period of time.
R
RECALL - a request to pull out dangerous or risky products from retailer.
RESP Registered Education Savings Plan - a registered account where you can start savings for your child's future education; this account can be open at almost any financial institution.
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This web site is to give you enough information so you can make right choices in life - to bring health and wealth.
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