And when you read the next part, you'll be like: "Wait, this is about investing?"
Fidelity ETF Pop-Up: Dare To Dream Courtesy of Fidelity Investments Canada
Fidelity Investments Canada is on a mission to prove that ETFs don't have to be boring. When you swing by the pop-up, you'll get to enjoy some yummy eats from some of your favourite local spots and handcrafted beverages.
There's a live DJ spinning tracks all day, a photo booth to snap your new profile pic, cool merch you'll actually wear, and an all-ages ball pit to put a smile on your face.
Interactive games put your strategy and know-how to the test, and when you need a break, there's the ETF and Chill Lounge: a low-key space where you can sit, charge your phone and grab some water.
Fidelity ETF Pop-Up: Dare To Dream Courtesy of Fidelity Investments Canada
And throughout it all, you'll be able to chat with Fidelity's ETF experts who can answer all your questions. The biggest takeaway from the event (yes, even after the snacks and merch) is that Fidelity has an ETF for everyone.
Fidelity wants to be your ETF BFF — a trusted pal you can turn to. Like a true BFF, they're there to hype you up, build your confidence and help you live your best life.
Fidelity ETF Pop-Up: Dare To Dream
Price: Free
When: 11 a.m.-7 p.m., Saturday, October 24; 11 a.m.-5 p.m., Sunday, October 25, 2026
Address: Centre for Social Innovation (The Spadina Lounge) - 192 Spadina Ave., Toronto, ON
Fidelity ETF pop-up: Dare to Dream website
New research commissioned by RBC revealed that more than one in five (21%) Canadians aged 18-24 either don't have a credit score or don't know what it is. The majority of respondents (78%) said they did have a credit score, but even among them, 37% couldn't say what their credit score is.
In fact, 42% of students say they’ve already faced a real-world consequence of having little or no credit history, including:
- 13% needed someone to co-sign or act as a guarantor
- 11% had difficulty getting approved for a credit card
- 8% had difficulty getting a loan
- 6% had difficulty renting an apartment
The good news is that building your credit doesn't have to be complicated. In most cases, it comes down to a few simple steps, responsible habits and time.
What is a credit score and how do you get one?
How you use your credit card can impact your credit score. cottonbro studio | Pexels
A credit score is a three-digit number that gives lenders an idea of how reliable a borrower you are, which lenders may use as one factor when assessing your creditworthiness.
Credit scores are usually between 300 and 900, with a higher number indicating that you're likely to pay on time and manage your credit responsibly, and a lower number suggesting you might be less reliable.
If you're a credit ghost with no credit history, you may not even have a score yet. This isn't the same as having a lower credit score, but it can have the same real-life impact. For example, a landlord may prefer to lease to someone with a modest score over someone without one at all.
So, how does your credit history actually start? In Canada, Equifax and TransUnion collect information about how you use and repay credit, based on information reported by lenders and some other companies, like certain phone or utility providers. Once there's enough information on your credit report, you're assigned a credit score.
How do I check my credit score in Canada?
You can check your credit score for free online. Liza Summer | Pexels
You can look up Equifax and TransUnion online separately to find your report, but your bank or credit union may also have access to it in your banking app. If you're an RBC Online Banking client, for example, you can see your score for free in the CreditView Dashboard and track how it changes over time.
Finding your credit score is the first step to no longer being a credit ghost. When you know where you stand, you can take your next steps to grow your credit score before you need it.
How do I start building credit?
Keeping up with your payments is a big part of building credit. Mikhail Nilov | Pexels
To build credit, you need to use financial products or services that report your payment history, such as a credit card, loan or even certain utility accounts. Making your payments on time helps demonstrate that you can reliably manage your financial commitments and build your credit history.
Small, consistent habits can help build your credit history over time, like making payments on time, keeping your balances manageable and using credit responsibly.
If you're an RBC client, you can use NOMI Budgets to learn about your spending and make smart choices that help your credit grow. They also have credit cards for students that are specially set up to help you grow your credit.
Not every credit check is created equal. Checking your own credit score won't hurt it; that's considered a soft inquiry. But when you apply for something like a credit card, loan or certain phone plans, the lender or provider may make a hard inquiry to review your credit. That can cause a small dip in your score, but it's usually temporary.
Other factors will come into play later, such as how long you've had your credit accounts and the mix of credit you have (loans vs. credit cards vs. mortgages).
Don't be spooked by common credit myths
You don't have to keep ghosting your credit. Ericka Sánchez | Pexels
Growing credit can seem overwhelming, and there's so much information out there, but don't believe everything you hear.
For example, according to RBC, five per cent of students believe carrying a credit card balance month to month helps your score. It's time to put that one to rest. Trust that paying off your credit card in full is a good thing.
If you want to do some of your own myth-busting, check out RBC's Credit Score Simulator and see for yourself what really moves the needle.
If you're a student in Canada and you're getting your life set up, you're going to run into situations that require knowing what's happening with your credit.
Thankfully, there are simple steps and useful tools like RBC's Guide to Building Credit that'll help get you there. With some good habits, the right support and a little patience, you'll be well on your way.
To learn more about giving up your credit ghost ways, visit RBC's website.
Voici quand tu devrais «booker» tes vacances pour voyager durant les fériés 2023 au Canada
Va falloir t'y prendre d'avance si tu veux avoir du choix!
Chalet mignon devant un lac avec feu extérieur pour faire griller des guimauves, villa sur la plage avec vue sur de magnifiques couchers de soleil, ce n'est pas pour rien que ces logements de rêve se booke comme de petits pains chauds. Afin de t'aider à mettre toutes les chances de ton côté, l’entreprise de location de maisons de vacances, Vrbo, une filiale d'Expedia, a publié les meilleures dates pour faire la réservation de ton logement.
Selon la compagnie, les mois de janvier et de février seraient les plus populaires pour faire une demande de location puisqu'après les Fêtes, plusieurs Canadien.nes commencent déjà à organiser leurs vacances. Marque bien les dates proposées dans ton calendrier, car elles pourraient t'être bien utiles si tu désires t'offrir un repos bien mérité dans un décor haut en couleur. Eh oui, il faut faire vite pour avoir la chance de siroter son café sur son balcon dans les montagnes.
Vrbo prévoit, d’ailleurs, qu'en 2023, les réservations augmenteront grandement : « Toutes ces dates sont avancées de deux semaines par rapport aux années précédentes. Ces deux semaines sont déterminantes pour permettre ou non l'obtention d'un chalet de montagne convoité pour un voyage de ski pendant les vacances de printemps ou d'un chalet en bord de mer pour les vacances d'été annuelles. »
Ainsi, il te faudrait effectuer tes réservations environ deux mois à l'avance. En plus d'avoir une plus grande offre de logements et l'opportunité d'économiser, ce délai te permettrait d'obtenir plus de flexibilité pour des annulations ou modifications.
Voici les dates recommandées par l'entreprise de location :
Si ta maison de rêve se trouve à l'extérieur du pays ou de l'autre côté du Canada et qu'il te faut prendre l'avion, sache que l'agence de voyages Expedia a récemment publié sa liste des meilleurs trucs pour obtenir les prix les plus bas des compagnies aériennes et ça vaut assurément la peine d'y jeter un coup d'oeil . Tu pourras ainsi savoir quels sont les meilleurs jours et la bonne heure pour acheter tes billets au plus bas prix, quand est-il mieux de partir en voyage si l'on veut économiser et plus encore.
Avec ces astuces en poche, cela peut te permettre de te gâter sur des activités ou de bons repas.