ADVICE ARTICLES

Welcome to the Advice area. Here you can read general advice articles on money topics including tips and tricks to saving money, managing loans and where to source the best currency services. Note that the articles provided here are not intended to provide personal financial advice.

Search:      View Archive

        

Avoid the middle man when wanting to lend some extra funds.
04 April 2017
Which Way To Pay
Peer to peer lending is one of the best ways to lend money as your are basically cutting out the middle man.
Read More >>
More and More Canadians on a daily basis are purchasing the incorrect Travel Insurance policy's they need for the trip they have planned.
30 August 2016
Which Way To Pay
Studies have n recently more and more Canadians are purchasing the incorrect Travel Insurance covers which is then causing problems when the claims are to be made.
Read More >>
When all those debts are getting on top of you , there always seems like there is no way out . A consolidation loan is the answer.
16 July 2015
Which Way To Pay
When you finally make the decision to consolidate all those debts looming over you into one easy monthly payment that is set up between yourself and the consolidation loan providers.
Read More >>
The Debt Crisis is rising daily due to salary's lowering day by day.
14 May 2015
Which Way To Pay
As the nations salary's are declining across many households , Debt is becoming a big worry.
Read More >>
We all think we wont have a accident whilst away on vacations , But we all need Travel Insurance fact
22 April 2015
Which Way To Pay
With all the excitement of planning your next vacation can run away with itself , The main thing to remember is Travel Insurance . This is the main controller of that wonderful vacation.
Read More >>
Identity Theft Protection Is such a important thing to protect you.
07 October 2014
Which Way To Pay
Whilst people think their identity is protected it's not always the case.
Read More >>
How to manage your credit cards and ensure your credit is in good shape
03 April 2014
WHich Way To Pay
Give your credit cards a spring clean and keep on top of your credit score
Read More >>
Have you been turned down credit? Check your credit report and improve your credit rating
18 February 2014
Which Way To Pay
It is important to ensure your credit report and credit score is up to date and correct, especially if you have been turned down credit.
Read More >>
Christmas cash crisis? Cut the cost of your debt and change credit card providers
21 January 2014
Whch Way To Pay
Below we have listed some tried and tested ways to help you become debt free after Christmas.
Read More >>
Defaults on car loans and credit cards debt reaches high
21 January 2014
Which Way To Pay
A new survey shows that consumers continue to rack up debt on cars and credit cards which bankers fear will not be repaid.
Read More >>
How to get the most from a reward credit card this Christmas
20 December 2013
Which Way To Pay
If you spend on your credit card regularly and more importantly you are able to pay off your balance in full at the end of the month, a reward credit card could be suitable for you.
Read More >>
Have you been turned down credit? Check your credit score
05 December 2013
Which Way To Pay
Unsure why you can't get approval for a credit card? Ensure your credit report and credit score are up to date if you have been declined credit.
Read More >>
Pay by Credit Card: Credit cards can be used to help build your credit history
29 October 2013
Which Way To Pay
Credit cards can be used to strengthen our financial status and credit score if you ensure you pay them off in full every month.
Read More >>
Payday Loan Company in violation of lending law
29 October 2013
Which Way To Pay
Payday loan company Cash Store Financial Services has had to pay back hundreds of dollars in fees which were overcharged to customers
Read More >>
What credit card? Which loan? Helpful money hints for teenagers
24 September 2013
Which Way To Pay
To ensure you have a healthy relationship with money in later life it is of paramount important to learn about loans, credit cards and insurance now.
Read More >>
Can a no claims bonus can help bring down your car insurance premium?
12 September 2013
Which Way To Pay
A no claims bonus on your car insurance can help to lower your premium and help you make your car insurance more affordable.
Read More >>
Protecting your pet: Common pet insurance questions you want the answers for
03 September 2013
Which Way To Pay
Find out the answers to some of your FAQs on pet insurance policies and see how you can find the right deal for you and your furry friend.
Read More >>
Do you need a new car? A car loan could be the answer you are looking for
19 August 2013
Which Way To Pay
When buying a car you should ensure you research all your options carefully and make yourself aware of any car loan terms and conditions.
Read More >>
Important things to consider when looking at home insurance
12 August 2013
Which Way To Pay
When you are looking into home insurance it is important to consider your options carefully so you know that you have suitable cover.
Read More >>
How do I successfully protect my identity and credit rating?
06 August 2013
Which Way To Pay
We have outlined simple ways to protect your credit report and yourself from fraudsters. Important ways to ensure you are not a victim to identity theft.
Read More >>
Simple measures to ensure you do not become a victim of identity theft
03 August 2013
Which Way To Pay
With identity theft on the increase, it has never been more important to protect your identity. We look at some simple ways to ensure you do not become a victim.
Read More >>
Is it worth taking out a payday loan and what are the dangers?
30 July 2013
Which Way To Pay
Payday loans are a great way to help you pay unexpected bills at the last minute, however, at what cost.
Read More >>
Business credit cards – are they useful at all?
03 July 2013
James Larkin
Business credit cards help to separate private from business expenditure, they make it easier to pay out expenses, and they come with lot of extra features. No matter whether for a new business or an established firm, for a factory with many employees or for a small family business – a business credit card helps to keep business costs under control
Read More >>
Loan with a bad credit history – is this possible?
19 June 2013
Mark Maffia
Loans are available even for people with a bad credit history
Read More >>
Why travel insurance is a good travelling companion
06 June 2013
Mark Maffia
Taking out travel insurance should be part of preparing every journey. Especially if going abroad, a travel insurance policy should be taken out together with booking your holiday or business trip. Travel insurance protects yourself and your belongings when you are away from home.
Read More >>
Personal loans –pros and cons
29 May 2013
Mark Maffia
Personal loans can be used for many purposes and, used wisely, can be a great opportunity to obtain what you want when you need it.
Read More >>
Who needs home insurance?
22 May 2013
James Larkin
Home insurance is one of the most important insurances you can have, because it protects everything you own. Most of the things which you have acquired during your life will usually be in your home, and if anything happens it means you lose everything you have
Read More >>
Finding a credit card in spite of poor credit rating?
13 May 2013
James Larkin
If you ever have been refused a credit card because of a bad credit rating, it does not mean you necessarily have to do without a credit card.
Read More >>
Reward credit cards – going shopping with extra benefits
06 May 2013
Mark Maffia
Bonus programs make reward credit cards an attractive way to pay
Read More >>
Pet insurance: A must for every pet owner
30 April 2013
Mark Maffia
If you love your pet you definitely should take out a pet insurance – and every family with a pet knows only too well how much one loves one's four-legged friends
Read More >>
How to find the best exchange rates
24 April 2013
Mark Maffia
Finding the best exchange rates can be very important when sending money abroad, especially when dealing with a high sum. This could be, for example, the payment for a property one has purchased or for setting up regular money transfer
Read More >>
Can one borrow money with a bad credit?
18 April 2013
Mark Maffia
A bad credit score does not mean you cannot borrow any money
Read More >>
Taking out a loan in spite of a bad credit history?
03 April 2013
James Larkin
People who have been turned down by their bank still can apply for a bad credit loan. Bad credit loans are designed for people who have do not have a very good credit history. They are more flexible than other loans, but don't have to be repaid as quickly as payday loans.
Read More >>
Life insurance – why is it important?
26 March 2013
James Larkin
The main point of life insurance is to protect your loved ones in the event of your death. If the main breadwinner of a family suddenly dies it can mean financial misery for the surviving dependents unless one has made sure well in advance that they always will be looked after
Read More >>
Want A New Car But Can’t Afford One?
07 March 2013
Which Way to Pay
The main advantage of a car loan is that you can own the car of your choice today rather than having to plan something for the next few years.
Read More >>
Using Which Way To Pay
31 October 2012
Which Way To Pay
A site like Which Way To Pay is there to help consumers find and weigh up a range of financial products.
Read More >>
Which Foreign Exchange Service?
23 October 2012
Which Way to Pay Canada
Thousands of Canadians need to send and receive money from all over the world on a regular basis. There is a variety of ways of doing this, so let us find out which is the best for low cost, high excellence and fast speeds.
Read More >>
Sony Card MasterCard Credit Card
26 September 2012 11:00am
Which Way to Pay
New Product! Discover the advantages of the Sony Card. With a quick application, upon approval you can start earning Rewards Points‡ for Sony merchandise. Become a Sony Card Member and get 2,000 Sony BONUS POINTS. Receive an Internet Player with Google TV when you use your new Sonycard MasterCard® credit card to make qualifying purchases† totalling $150 before November 30, 2012.
Read More >>
All You Need To Know About Consolidation Loans
02 August 2012 13:00
Lucy Williams
Thousands of people in Canada struggle with debt and managing their finances. If you are under financial strain and facing mountains of debt you will know that it’s not a great situation to be in. When you are struggling to pay urgent bills or even make repayments on other loans a consolidation loan can help you.
Read More >>
Get Car Insurance Today
19 July 2012 12:00
Lucy Williams
It is part of the Canadian law to have vehicle insurance so if you drive a car you must make sure that your vehicle is fully insured. In the event of an accident where you, your vehicle or a third party is injured, car insurance will cover the expenses that can often be huge.
Read More >>
Home Insurance – Is It Necessary?
05 July 2012 11:00am
Lucy Williams
Home Insurance ensures that your home and all its belongings are protected from events such as burglary, damage and vandalism.
Read More >>
Confused About Whether Or Not To Get Travel Insurance?
21 June 2012 14:30
Phoebe Robinson
Thinking of planning a holiday but confused about whether to get travel insurance? Don’t you think your mind would be more at peace if you knew you were covered if something happened to you in a strange and foreign place?
Read More >>
All You Need To Know About Bad Credit Loans
14 June 2012 10:00am
Victoria Wedderburn
There are thousands of people across Canada who have a bad credit rating. Bad credit loans are loans designed for those who have been turned away by conventional lenders because of their credit history.
Read More >>
Can Payday Loans Ever Be The Right Choice?
01 June 2012 14:30
Mark Maffia
Despite the bad press, can payday loans be the right choice for you in certain circumstances? With payday loans they are very fast and accessible because the application can take minutes and there are minimal if no credit checks.
Read More >>
Peace Of Mind With Pet Insurance
23 May 2012 15:00
Mark Maffia
If like thousands of Canadians you own a pet and it suffers illness or injury it can cost thousands of dollars for veterinary bills. Pet insurance can help you avoid a very difficult decision should your animal need treatment which you cannot afford.
Read More >>
Add Value To Your Firm With A Business Credit Card
10 May 2012 11:00am
Jack Stupple
If you want a way to separate your business expenses from your personal ones you might want to consider a business credit card. Whatever the size of your business, whether you are just starting out or are already an established firm a business credit card can add value to your company.
Read More >>
Life Insurance Explained
30 April 2012 13:00
Jack Stupple
Most of us would rather not think about what things would be like if we were not around. However, in order to make sure your loved ones are cared for getting life insurance can be a necessary purchase and one that we will all consider.
Read More >>
Been Refused A Credit Card Because of Bad Credit?
23 April 2012 10:00am
Jack Stupple
People with a poor credit rating will struggle to obtain the credit card they want. Those with little or no credit are also likely to be refused. On the Canadian market today there are credit cards specifically designed for people with a poor credit history.
Read More >>
Need A Loan For A Car?
18 April 2012 12:00pm
Victoria Wedderburn
For financial help in taking home the car you want there are car loans. They are easy to apply for and you can take possession of the car straightaway.
Read More >>
Debt Consolidation Loans Explained
12 April 2012 14:00
Victoria Wedderburn
If you are struggling to deal with multiple debts each month, a consolidation loan can help.The main advantage is that you can stay on top of your monthly outgoings and know exactly how much you debt is costing you and when you will pay.
Read More >>
You Don’t Have To Choose Between Your Pet and Your Pocket With Pet Insurance
04 April 2012 11:00am
Mark Maffia
It is really important to get pet insurance if you don’t want to end up in a situation where your animal needs treatment which you cannot afford.
Read More >>
How To Choose A Travel Insurance Policy
29 March 2012 13:00
Florence Fullalove
With travel insurance you need a policy that you can trust will cover you in any unexpected situation while abroad. You should read the policy carefully to make sure it suits you and your travel needs.
Read More >>
Are Padyday Loans Worth The Risk?
23 March 2012 11:00am
Mark Maffia
In Canada, payday loans are becoming one of the most popular financial products on the market. But make sure you know the facts.
Read More >>
Why Take Out Life Insurance?
16 March 2012 07:30am
Jack Stupple
If you have anyone who is financially dependent on you then life insurance is really important if you want to ensure that your loved ones are taken care of when you die.
Read More >>
Make Sure Your Most Valuable Asset Is Protected With Home Insurance
08 March 2012
Which Way to Pay
For almost every homeowner it is essential to have a good insurance policy on your home. This gives you the assurance that your greatest asset is protected from catastrophic losses such as those incurred by natural disasters, theft or fire.
Read More >>
Beat The Thieves With Identity Theft Protection
01 March 2012
Which Way to Pay
Identity theft is one of the fastest growing crimes in the world and it is really important that you take the necessary steps to protect yourself.
Read More >>
Spending Can Be Rewarding With A Reward Credit Card
15 February 2012
Which Way to Pay
Reward credit cards are used exactly the same as you would any other credit cards but you can earn rewards for every dollar that you spend.
Read More >>
Why Should You Use A Credit Report Service?
08 February 2012
Which Way to Pay
Many people do not realise how much your credit report can affect you.
Read More >>
Want To Get Out Of A Tight Financial Corner?
01 February 2012
Which Way to Pay
A payday loan is a financial product that specialises in getting you the money you need as soon as you need it.
Read More >>
Do You Need a Consolidation Loan?
27 January 2012
Which Way to Pay
Owing money to lots of different lenders can be hard to keep up with; different amounts, different deadlines, different interest rates. A consolidation loan could really help to take the pressure of you and your finances.
Read More >>
Is Your Credit Rating Standing Between You And The Cash You Need?
23 January 2012
Which Way to Pay
In most instances a low credit rating will prevent you from getting a loan that you really need, especially from banks. You don’t have to be penalised for a poor credit history.
Read More >>
How to Choose the Right Car Loan for You
18 January 2012
Which Way to Pay
Getting a car can be an expensive step. Whether you are looking for a new or used car, there are specialist car loan companies that can offer competitive rates and terms.
Read More >>
How To Cut Costs In Your Business
10 January 2012
Which Way to Pay
Business credit cards offer business owners a unique opportunity to build business credit which will come in hand if you hope to expand your business in the future and are looking to apply for a loan as a good business credit card rating will put you in good stead to realise your business aspirations.
Read More >>
How To Get A Credit Card With Poor Credit
06 January 2012
Which Way to Pay
Poor credit rating cards are ideal for people who have been rejected from other card providers and in addition they have the features of a normal credit card.
Read More >>
Why Take Out a Personal Loan?
04 January 2012
Which Way to Pay
A personal loan is granted for personal use, is usually unsecured, which means you don’t need any collateral to be approved, and based on the borrower’s ability to pay.
Read More >>
Consolidation Loan Explained
21 December 2011
Which Way to Pay
There are various things you can do if you are struggling with debt. One of the most common remedies is a consolidation loan. This is a loan which enables you to pay off all of your existing creditors, thus leaving you with one lower monthly repayment.
Read More >>
Positive Data Sees TSX and Loonie Rise
21 December 2011
Which Way to Pay
The Canadian dollar saw gains of nearly a cent, along with the TSX index closing up almost 200 points as new confidence in the eurozone grew as well as positive inflation data released yesterday. The S&P/TSX composite index gained 193.73 points or about 1.7%, taking it up to 11,733.43.
Read More >>
Payday Loans Explained!
20 December 2011
Which Way to Pay
If you are short of cash and can’t wait for your next payday, then a payday loan could be the answer. These loans are designed especially for people who need to borrow a relatively small amount of money for a short time.
Read More >>
Want to Get Out of Debt?
19 December 2011
Which Way to Pay
Being in debt can take over your whole life. The worry over meeting repayments, escalating interest rates and in severe cases the bailiffs knocking on the door. It is also easy to feel isolated if you don’t know where to go for help. There is no need to feel like this however, as there are lots of different solutions to your debt problems.
Read More >>
Want to Repair Your Credit Rating?
16 December 2011
Which Way to Pay
It might seem illogical to repair your credit rating with a loan, but this is a great way to go about it. With a credit repair loan, you can improve your rating with very little effort on your part.
Read More >>
What Rewards Can You Get with Your Credit Card?
15 December 2011
Which Way to Pay
Most of us have a credit card as it’s an easy and cheap way to borrow money short term and keep your finances ticking over. Normal credit cards are accepted all over the world, allow you to take cash out of ATMs, pay low interest and insure when buying online.
Read More >>
Save Money on Gas!
13 December 2011
Which Way to Pay
The price of fuel has gone up all over the world recently, Canada included. It sometimes feels like there is little we can do about our vast outgoings, but when it comes to the amount of money we spend on fuel, there are things you can do to keep costs down.


Read More >>
Save Up to $2500 a Year on Lunch!
07 December 2011
Which Way to Pay
We are all guilty of spending too much money on lunch during the week. Whether you are really busy or just like something nice for lunch to look forward to, paying for food really mounts up. If you spend on average $10 a day on lunch, snacks or coffee, this amounts to $2500 a year!
Read More >>
How a Payday Loan Could Help
06 December 2011
Which Way to Pay
We all have those months where our wages simply aren’t enough, especially if you are confronted with an unexpected bill, car repair or other expense. Payday loans are one such loan that has exploded onto the market in recent years.

Read More >>
Save Up to $2500 a Year on Lunch!
05 December 2011
Which Way to Pay
We are all guilty of spending too much money on lunch during the week. Whether you are really busy or just like something nice for lunch to look forward to, paying for food really mounts up. If you spend on average $10 a day on lunch, snacks or coffee, this amounts to $2500 a year!
Read More >>
5 Fees and Charges to Avoid!
02 December 2011
Which Way to Pay
All of our finances are feeling the strain at the moment. With everything costing so much and many of us experiencing freezes in pay, none of us can afford to waste money on charges or fees that we can potentially avoid. Some of these are really easy to avoid, you just have to be aware of them.
Read More >>
Get a Payday Loan Today
01 December 2011
Which Way to Pay
Short of cash? Can’t wait until your next paycheque? Then a payday loan could be the answer! These loans are designed to help you out until you next get paid. This means that you can borrow anything up to $1500 for a couple of weeks to a month.
Read More >>
In Debt? Get a Consolidation Loan!
30 November 2011
Which Way to Pay
Having large debts can be extremely stressful; it’s easy to lose sleep over owing big sums of money. If you have got to the point of no return and need help managing your debts, then a consolidation loan could be the answer to your prayers.
Read More >>
Cycle to Work and Start Saving Money Today!
29 November 2011
Which Way to Pay
No one like commuting to work; whether you sit in traffic for ages, or get the crowded subway or bus, travelling at the same time in the same way as everyone else eats time out of out working week. Have you thought about cycling to work?
Read More >>
Start Saving on Gas Today!
28 November 2011
Which Way to Pay
With our cars guzzling more and more gas, and the price going up and up, we all want to save money on filling up the tank wherever we can. Just follow these simple tips to start saving money today.

Read More >>
Need Identity Theft Protection?
25 November 2011
Which Way to Pay
The way in which we bank is getting more and more technologically advanced. Although this has a plethora of advantages, it also means that your details can be more easily stolen and used by thieves.
Read More >>
Start Saving Money on Food Today!
24 November 2011
Which Way to Pay
Spending money on food can seem like it’s never ending. Every day most of us will buy something for breakfast, lunch or dinner, and it really mounts up. If you feel like you’re spending too much money on food, then these tips will help you start saving today.
Read More >>
Save Money on Your Energy Bill!
23 November 2011
Which Way to Pay
The price of energy is on the up, and it doesn’t seem that our increasing bills will let up any time soon. As many of us are having to live off a lower disposable income, it’s important to keep unnecessary expenses to a minimum so that we can afford the standard of living we have become accustomed to.
Read More >>
Do You Need a Consolidation Loan?
22 November 2011
Which Way to Pay
If you’re in debt, then you know how stressful it can be. Owing money to lots of different lenders can be hard to keep up with; different amounts, different deadlines, different interest rates. A consolidation loan could really help to take the pressure of you and your finances.
Read More >>
Payday Loans Explained!
21 November 2011
Which Way to Pay
Everyone has had those months when you just don’t have enough money to see you through until next payday. This is what payday loans are designed for; these loans allow you to borrow a relatively small sum of money for a short period of time to get you through the rest of the month.
Read More >>
5 Fees and Charges You Can Easily Avoid!
18 November 2011
Which Way to Pay
None of us can really afford to waste money at the moment, especially not on fees and charges. By being aware of where these fees and charges lie, you can avoid paying when you don’t have to. Here are 5 basic fees that are easily dodged!
Read More >>
Teach Your Kids About the Value of Money
17 November 2011
Which Way to Pay
Many of us are not able to spend as much time with our children as we might want to. Working hard to provide your children with everything they need is very important, but it can mean we can indulge them to appease our guilt over not spending enough time with them.
Read More >>
Start Saving Money on Food Now!
16 November 2011
Which Way to Pay
One of our biggest outgoings is food. Prices are high and it is after all an unavoidable expense. Although buying food is something everyone has to do, there ways of doing it cheaply and saving money.
Read More >>
Sort Your Debts with a Consolidation Loan Today!
15 November 2011
Which Way to Pay
The pressures of being in debt can get to anyone. Ignoring the problem only makes it worse, but admitting you have a problem can be a hard pill to swallow.
Read More >>
Run Out of Cash? Get a Payday Loan Today
14 November 2011
Which Way to Pay
If you are running out of money in a given month, and can’t get the cash you need from a friend or relative, then a payday loan could help you out. Whether you just run out of money before payday, or need a lump sum to pay an unexpected bill, then a payday loan can get you the cash you need on the same day as you apply.


Read More >>
5 Tips to Save Money on Gasoline
11 November 2011
Which Way to Pay
As the price of gasoline goes up, many of us are not reducing the amount of time we spend in the car, so we are simply paying more. Saving gas is a great place to start, and it’s good for the environment!

Read More >>
Cycle to Work and Start Saving Money Today!
09 November 2011
Which Way to Pay
The daily grind of travelling to work can be exhausting. If you travel by car, then you know how much time you can spend sitting in rush hour traffic. So why not cycle to work? It’s free, apart from the bike, and it’s good for you!
Read More >>
How Keeping a Diary Could Save you Thousands of Dollars
08 November 2011
Which Way to Pay
It can be difficult to identify the weaknesses in your finances, especially if you are busy with work and home life. Saving money is not easy as prices rise and pay is frozen. A great place to start is to keep a diary of all your outgoings.
Read More >>
Need Some Money Fast? Get a Payday Loan Today!
07 November 2011
Which Way to Pay
We all have those months where your money just won’t stretch far enough. Whatever the reason for this, be it an unexpected bill, an expensive weekend or a car repair, it can be hard to find the extra cash when you need it the most. Here is where a payday loan could get you out of a tight corner.
Read More >>
5 Fees and Charges to Avoid!
03 November 2011
Which Way to Pay
Wasting money is simply not an option at the moment. Here are five of the most common fees and charges to avoid.

Read More >>
Save Thousands of Dollars Every Year on Lunch!
02 November 2011
Which Way to Pay
It might be hard to believe, but you could save thousands of dollars every year just on lunch! Having a nice lunch, snack or drink at work can make the long day go a little quicker, but are often pricey.
Read More >>
Mounting Debts? Get a Consolidation Loan Today!
01 November 2011
Which Way to Pay
Being in debt is no fun at all, especially if you have high monthly outgoings to more than one creditor. A consolidation loan could be the answer to your troubles! These loans make it possible to pay off all of your debts at once, so only owe one creditor.
Read More >>
How Healthy Living Could Save you Money!
31 October 2011
Which Way to Pay
We all want to save money, but it’s hard to see where to cut back sometimes. A great place for us to start is by looking at our lifestyles. Whatever your luxury or indulgence is, there are ways of cutting back that will often benefit your health as well as your bank balance.
Read More >>
Get a Payday Loan Today!
28 October 2011
Which Way to Pay
If you simply don’t have enough money to get through until next payday, then a payday loan could be the answer. Whether you get a unexpectedly big bill through the door, or your car breaks down, these loans offer and fast and easy way to get hold of some cash.
Read More >>
Want to Rethink your Spending Patterns but don’t Know Where to Start?
27 October 2011
Which Way to Pay
It’s coming to a point in the current state of both our domestic and the global economy where we all have to think about our spending habits and patterns and perhaps tighten things up a bit.
Read More >>

        

Register for newsletter