What’s Your Bank Balance, Gift Cards & Target

What’s the balance in your checking account? In February 2013, the finance minister of Zimbabwe admitted that the entire public accounts of the country had a balance of $217. Yikes…one of the best examples of a country becoming a basket case because of politics way more than economics.

Target is coming! Many people are pretty excited about the Target launch in Canada. If you’ve shopped at their stores in the U.S. you’ll be very disappointed. Sure, the stores will look the same, but you’re dealing with Canadian duty and prices. Don’t look for the cool US-type deals and prices. They will have the Target debit card and MasterCard. Both will give you 5% off right at the store register. The applications are on the Royal Bank site now. If you think you’ll shop there a lot, it may be worth getting. The rate is 20% like every other regular card but no annual fee.

Gift card heads up: Criminals are now able to get your code number from a gift card. Investigators don’t know how they do it, but it’s happening. You get a gift card and go to the retailer to purchase something only to find out at the register that the card has already been used up. All you’ll get told is that, sorry, nothing they can do – not their problem. Pursue it, report it, and don’t give up. If you’re giving a gift, make it cash. If you have any gift cards, use them up as soon as possible. Better safe than sorry.

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