Since the onset of the pandemic, many Quebecers have been paying more attention to what they spend and where they spend it on a daily basis. But monitoring your financial habits is easier said than done, so it's essential to have the right tools to help you stay on track.
Budgeting and managing your cash flow is super important when it comes to living your best adult life, but unfortunately, it's also one of the most difficult things to nail.
That's why RBC launched a new capability within its banking app that — along with the app's other capabilities — provides you with the insights and advice you need to manage your money. Get ready to save some serious coin.
The app's new NOMI ("know me") Forecast feature leverages AI technology to help you manage your cash flow by providing a rolling forecast for upcoming preauthorized withdrawals from your account within the next seven days.
NOMI Forecast predicts when your expected expenses are due (like rent, phone bills and student loan payments), which means you'll have visibility on upcoming financial obligations. It can help you confidently manage your spending and avoid unnecessary expenses. Now you can have more control over your finances than ever.
The new tool complement's RBC's existing lineup of NOMI capabilities, like NOMI Find & Save, which uses predictive technology to find the money you won't miss and stores those extra dollars away in a special account you set up for safekeeping.
According to RBC, clients using NOMI Find & Save have saved an average of $415 per month — or about $5,000 per year.
It will even automatically move money from your NOMI Find & Save account back to your normal account. This is to cover any upcoming payments that are due to come out of your linked chequing account that you may not have enough funds for. Now you know you won't go into overdraft.
Finally, RBC clients can easily create a personalized budget — without touching a calculator or an overwhelming spreadsheet — through NOMI Budgets. It suggests a monthly budget for you based on your spending habits.
NOMI Budgets monitors five types of major spending — shopping, dining, transportation, entertainment and cash withdrawals — and keeps you updated with regular notifications to let you know if you're over, under or on track with your monthly goal.
Now when you go out for coffee with your friends, you can actually be present instead of feeling guilty about buying that cappuccino.
All of RBC's NOMI tools and features are available in the RBC app, which now also has an in-app authentication process, 2-Step Verification, to keep all of your transactions extra safe and secure.
Compared to regular two-factor authentication, 2-Step Verification is quicker and more convenient: it's done strictly in the RBC app — no more fetching security codes from emails or texts.
This builds on other RBC safeguards to protect your most personal information in the digital space, like ID Verification, fraud monitoring, two-way fraud alerts and Card Lock, which allows you to lock your card immediately from the app if you've misplaced it.
Managing your money can be stressful. Know that RBC's got your back with its many budgeting, forecasting and security tools, like NOMI and 2-Step Verification.
This could be the exciting career you were looking for.
Andres Ayrton | Pexels, Marcus Aurelius | Pexels
For some, fall is about cozy knit sweaters and pumpkin spice lattes. But it's also a time to transition with the season and change things up: your routine, your home office or maybe even your career path.
If you're in search of a fulfilling job, consider applying to Beneva. A major player in the insurance and financial services sector, Beneva is looking for applicants who are ready to build an impactful career and put people first.
The Quebec company is the product of La Capitale and SSQ Insurance and was founded on the mutualist values of both companies. Beneva supports employees taking initiative and offering their ideas and opinions. Beneva might be new, but it has over 75 years of experience to back it up.
Beneva has over 5,000 dedicated employees across Canada who serve the company's 3.5 million members and customers.
Beneva's employees provide unparalleled services, putting people at the centre of their decisions and actions. If you're looking for a job where you can use your skillset to help protect others and their well-being, then you'd love working with Beneva.
For a better idea of what a career at Beneva would look like, here are a few reasons why Beneva employees love their jobs.
Working for Beneva means collaboratively building a new company. You can have your say about the decisions that are made, all while prioritizing the common good. Engagement and collaboration are essential values for developing your career here.
Beneva's cutting-edge technology won the company a Data Master Award in 2020, so get ready to embrace your inner geek! A leader in Cloud technology adoption, Beneva prioritizes technological innovation — they were even Snowflake's first client.
This is a company that understands the importance of diversity and inclusion. Beneva listens to its employees so that they can address the needs, barriers or challenges that employees may encounter. The company has one golden rule — treat others how you would want to be treated: with compassion, respect and fairness.
Employee development is Beneva's specialty. As an employee, you'll be encouraged to develop skills and advance your career. Beneva's company culture is all about shaping the next generation of leadership; you're encouraged to show everyone what you're made of, and it won't go unrecognized.
Beneva was a finalist for a 2021 Workplace Benefits Award from Benefits Canada. The company was recognized for the effective way in which it handled the pandemic and introduced telework. Loyal to its values, Beneva took care of its employees with flexibility and kindness during a challenging time.
Among the many employee benefits available, Beneva offers:
A pension plan, group insurance coverage, bonuses, an investment plan and discounts on insurance (home and auto).
For those who are eager to return to the office, a dynamic and fun work environment that has a cafeteria, restaurant-café, break rooms, common areas and outdoor spaces.
Telemedecine, support for work-life balance and an employee assistance program.
There's A Hybrid Work Model
Beneva's hybrid work model is based on trust and respect. It's supervised but flexible. In the spirit of flexibility, telework will continue to be an option (even after global health conditions improve).
Caring and compassion are at the heart of the culture at Beneva and employee feedback is used to shape the future of the company, so you know your voice will be heard.
Find out more about the company vision and what a career at Beneva could mean for you by watching this video. This could be just the change you've been looking for.
Across the province, 1.5 million refundable containers are thrown in the garbage or left on the ground each day, never to be recycled.
By being environmentally conscious and adopting good practices in public spaces, you can keep our green spaces from turning into landfills.
So the next time you go to the park, consider bringing a reusable bag with you so that you can fill it with your empty containers. On your way home, you can return them at a nearby retailer.
Deposit-refund is an environmentally friendly way to recover and recycle refundable containers. According to Consignaction, recycling an aluminum can uses 95% less energy and 40% less water than making a new one.
This means that you can return your empty refundable containers to a convenience store, grocery store or supermarket, ensure that they will be fully recycled, and get a refund for each one.
Although Quebecers already return 75% of refundable containers, more can be done.
Did you know that it takes plastic bottles up to 400 years to break down naturally? Meanwhile, aluminum cans take between 200 and 500 years to degrade.
A quick visit to the Lachine Canal, Parc LaFontaine and Parc régional de la Rivière-du-Nord is all it takes to get a glimpse of how easy it is to forget your cans and bottles behind you when you leave.
Not only is returning your containers good for the environment, but it also results in better quality materials, helps future generations and creates jobs. It's a small gesture that has a huge impact.
Once containers are returned to a retailer, they are then transported and sorted before being melted down into raw materials and used to make new items, like backpacks, tents and even different containers.
To determine whether your container is refundable, just look for "Consignée Québec 5¢ Refund" on the product.
Keeping this in mind can help you substantially reduce your eco-footprint. In addition, by returning your refundable containers, you'll be helping cut down on pollution in parks, making them more enjoyable for you.
The 16th edition of Montreal En Lumière is back from February 19 - March 1. It’s one of the biggest festivals in Montreal during the winter and, luckily for us, most of it comes at no cost - courtesy of all the big-name sponsors that fund it.
We know that February can be a time of year where people are strapped for cash, so here's a list of all the things you can do at MeL that won't cause you to break the bank.
1. Cercle Bell
This new installation is hard to miss: the entire area is illuminated and centers around a giant glassed-in windowed box. You can climb the Boîte Bell for an amazing view, or go inside to play The Pool. This new interactive ping pong game involves hundreds of LED discs activated by people jumping from one to another, with each jump turning the lights on and off and changing the appearance of the piece.
2. RBC Zip-line
Turn out you no longer have to leave the city to try your hand at zip-lining. This new attraction, built just for the 2015 edition, lets you soar from Bleury all the way to St. Urban for a view that you’ll never forget.
3. Lanaudière Soup’s On
Nothing beats getting to have delicious, hot soup when it’s freezing cold outside, so head on down and grab a free bowl courtesy of Lanaudière on February 21 at 4pm on the steps of the Place des Arts esplanade.
4. Switzerland in photos
Switzerland is this year’s featured country at Montreal En Lumiere. At the corner of St. Catherine and St. Urban you can find a Swiss photo exhibit featuring magnificent backlit shots of Switzerland that will have you booking your ticket to the Alps in no time.
5. La Grande Roue Suisse
The ferris wheel is back again this year, and it’s the perfect place to bring your friends, family, or that special someone to take in an amazing view of the city.
6. Salon Du Livre Gourmand
This fair is another new addition to the 2015 festival. It’s entirely dedicated to books that showcase cuisine and gastronomy, and is running from February 26-28.
7. The Urban Slide
The 110-metre-long incline slide equipped with sound effects and multicoloured lights is a must-see of the MeL festival. You’re in for a wild and windy ride.
8. Milk Mini-Slide
They haven’t forgot about the tiny humans at MEL and built them their very own mini-slide. The only problem is you may never be able to drag them away from it.
9. Shows on the RBC stage
Head over to the RBC stage for free musical shows almost every night. Check out the MeL website for the full lineup.
10. Milk Family Fun Zone
If you’ve ever wanted to play life sized parlour games, now’s your chance. You can bring your whole family to the Family Fun Zone for the most interactive game of snakes and ladders you’ll ever have.