How much it costs to rent a 1-BHK in major cities around the world





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It’s no secret that city life comes with a hefty price tag, but some urban areas are much more affordable than others. New York City, for example, could set you back more than $3,500 a month for rent alone, while Montreal, Canada offers one-bedroom apartments for less than $1,000 a month.

That’s according to a new report from listing service RENTCafé that looks at monthly rental costs in the world’s top 30 financial centers. It sums up the average rents for one-bedroom apartments between 600 and 999 square feet in each city. (Full methodology here.)

“All 30 of them offer a highly competitive environment with plenty of jobs in the financial sector,” RENTCafé reports. “But while they are similar in this regard, their rents differ wildly.”

Scroll over the tiles to see for yourself.

30. Casablanca, Morocco

Average rent for a one-bedroom: $820

29. Montreal, Canada

Average rent for a one-bedroom: $850

28. Taipei, Taiwan

Average rent for a one-bedroom: $910





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27. Munich, Germany

Average rent for a one-bedroom: $1,110





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26. Toronto, Canada

Average rent for a one-bedroom: $1,200

Article source: http://www.msn.com/en-ca/money/homeandproperty/how-much-it-costs-to-rent-a-1-bedroom-in-30-major-cities-around-the-world/ar-BByPdYc?srcref=rss

How to hack-proof your smartphone

Smartphones: the simplest apps can make you vulnerable to hacking attacks.© The Guardian
Smartphones: the simplest apps can make you vulnerable to hacking attacks.

As we’ve recently seen from leaked CIA documents, no one is immune to hacking attacks. Here’s how to protect yourself against them, whether they come from opportunist thieves or state-sponsored spies.

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1. Keep up to date – and don’t open up holes yourself

When it comes to protecting yourself against hackers, step one is always to install software updates as soon as they become available: that’s as true on smartphones as it is on computers. Yes, updating can be a tiresome and intrusive process, and it sometimes brings annoying changes to the interface that you’re used to. All the same, a huge proportion of successful hacks exploit vulnerabilities that have already been patched; exposing yourself unnecessarily is just daft.

I’d also strongly advise against using unofficial tools to “root” your phone (known as “jailbreaking” on iOS), unless you know exactly what you’re doing. On a rooted phone, technical safeguards can be defeated, allowing apps to perform all sorts of actions that are normally prohibited – and that can include snooping on your personal data.

2. Be careful of what you install

When you install a smartphone app, you may be asked to grant it various permissions, including the ability to read your files, access your camera

Article source: http://www.msn.com/en-ca/money/technology/12-ways-to-hack-proof-your-smartphone/ar-BByPjfC?srcref=rss

Why it’s not smart to get a big tax refund each year



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If you’re expecting a big tax refund this year, you’ve probably already decided what you’re going to do with that money. Whether it’s a vacation, a new jet ski or a nice boost to your retirement savings, you’re probably pretty excited about the extra cash. But here’s the deal: Getting a big tax refund each year isn’t necessarily a good thing. It means you haven’t been putting that money to work for you all year long.

“If you are receiving a refund this year, it means that you overpaid your taxes during the course of the year. Instead of giving the government your hard-earned money, think about all of the great things you could have done with that money,” says Ron Weber, a senior marketing manager with Quicken Inc. “You could have paid off credit accounts, invested it in your future, and/or spent it as you earned it. Money is always better in your pocket than in someone else’s — even if that someone else is the government.”

Here’s how you can make sure you boost your bottom line this year by not overpaying your taxes and also not getting a refund.

Review Your Withholdings

Sit down and review your paycheck withholdings and see if you can break even when it comes to the taxes you pay. You’re looking for your Goldilocks zone. Not too little, not too much,

Article source: http://www.msn.com/en-ca/money/personalfinance/why-its-not-smart-to-get-a-big-tax-refund-each-year/ar-BByPl6Q?srcref=rss

Why sticking with one bank might not be the best option

Shannon Lee Simmons, an adviser who runs the New School of Finance, says taking the time to shop around for financial products can pay off.© CBC
Shannon Lee Simmons, an adviser who runs the New School of Finance, says taking the time to shop around for financial products can pay off.

Consumers love the convenience of one-stop shopping for their financial needs  — but it could be costing them.

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In a poll conducted by Ipsos and commissioned by LowestRates.ca, an online interest rate comparison site, six in 10 Canadian respondents said they prefer to have all their financial products and credit cards at one bank.

When it comes to credit cards specifically, two-thirds of those surveyed said they trust their primary bank to offer them the best card for their needs and financial situation. That’s despite the fact that credit cards vary greatly, including their interest rates on outstanding balances — some offer rates below 10 per cent, while others can charge as much as 30 per cent.

Justin Thouin, CEO of LowestRates.ca, says Canadians’ trust in their banks costs them in the form of higher fees.

“Why would the banks offer their best rates and cut their profit margin and cut their revenue if consumers are going to continue to take and accept whatever they’re offering?”

To get a deal — you have to find it

Thouin says there can be some benefits to going all-in

Article source: http://www.msn.com/en-ca/money/topstories/convenience-or-comparison-why-sticking-with-1-bank-might-not-be-the-best-option/ar-BByMZAC?srcref=rss

Feds hope budget will help woo foreign talent



Canada's Finance Minister Bill Morneau delivers the federal budget in the House of Commons on Parliament Hill in Ottawa, Ontario, Canada, March 22, 2017.


© REUTERS/Chris Wattie/File Photo
Canada’s Finance Minister Bill Morneau delivers the federal budget in the House of Commons on Parliament Hill in Ottawa, Ontario, Canada, March 22, 2017.


OTTAWA – A Trudeau cabinet minister entrusted with bringing high-level talent to Canada hopes new budgetary measures will help his determined efforts to recruit brains from abroad.

Following last week’s federal budget, Economic Development Minister Navdeep Bains feels he has even more to offer top-notch workers, scientists and scholars who might consider a move from the United States across the northern frontier.

Bains, who says attracting talent is always part of his mission whenever he travels abroad, will visit Michigan this week to meet state representatives.

Ottawa has been promoting Canada as a destination for specialized talent, including anxious researchers concerned about the political uncertainty that has emerged since the Brexit vote and the U.S. election.

In the U.S., for example, President Donald Trump’s budget earlier this month called for billions in cuts to climate-change and medical research.

Bains will keep pushing hard to round up talented minds, even from Canada’s neighbour, particularly people who can help this country develop high-tech, big-potential sectors.

“We want to focus on Europe, we want to focus on the U.S., we want to focus on Asia —

Article source: http://www.msn.com/en-ca/money/economy/feds-hope-budget-will-help-woo-foreign-talent/ar-BByQEOL?srcref=rss