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So, aside from the issue of advertising, what's not to like about Credit Karma? Well, there are some things to think about. Most importantly, Credit Karma use a system known as Vantage 3.0 to arrive at credit scores, while most banks use the FICO grading system. The two are very similar, but some users have reported slight discrepancies between their Credit Karma score and the score assigned by lenders. So bear that in mind. … [Read more...] about How to Check Your Credit for Free in Canada

For example we needed to find a boat that departed from Ushuaia on a Monday and returned on a Thursday. A Sunday departure would have required passengers to be in Ushuaia for Shabbos. A Tuesday departure would have arrived back into Ushuaia on Friday, requiring passengers to be in Ushuaia for Shabbos. Halacha (Jewish law) requires that you not board a ship 3 days before Shabbos, which ruled out Wednesday-Friday departures. The reason for that is so that you can acclimate to the waters and have a pleasant Shabbos. There are leniencies potentially available on modern stable cruise ships, but as we would be crossing the infamous Drake Passage where the waters can be quite violent, where no such leniency would apply. … [Read more...] about Antarctica Trip Notes Part 1: Buenos Aires+Planning And Positioning For The Adventure Of A Lifetime

AJK then smartly asked Joseph if he wouldn’t mind changing the Tokyo-Chicago-Newark flight to the Tokyo-JFK nonstop. [AJK: When you get an agent as good as Joseph, you make sure to leave it all out on the floor 😛 ] ANA award space from Tokyo-Chicago is much easier to find then Tokyo-JFK, but as Joseph was rebooking us in a revenue fare class that didn’t matter at all. He happily rebooked us to the JFK flight and booked a connection from Newark-Cleveland for me with enough time to grab dinner in Manhattan along the way. … [Read more...] about United Island Hopper Trip Notes Part 2: It’s Time To Hop!

My main concern was would the flight take off on time? Even a short delay would mean having to overnight in some dive in Male instead of in an overwater S. Regis Villa as the seaplanes to the island resorts don’t operate in the evening. Our flight was scheduled to arrive in Male at 2:55PM. The hotel informed me that if we arrived after 3:30PM we would have to overnight in Male. … [Read more...] about Maldives Trip Notes Part 2: Dubai and Abu Dhabi