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From what I know, it is open to hotel guests and residents who live in the connected condos. I’ve heard you might get access to some features through the connected spa, but I don’t know that for sure and I do know people who have tried sneaking in, but I guarantee that won’t work because there is always a wellness centre attendant at the entrance, so I don’t recommend that 😂
Thank you! For what it's worth, I am 6'5" and my girlfriend was filming the video from 5'4" so there might be a few tricks being played when it comes to the angles??? Kind of like how they filmed the ELF movie? hahaha
I live in Nova Scotia, not that far from the Muir so will probably never have a reason to stay there. Interesting but just kind of too plain for me. It might be luxury but it just lacks personality.
There are plenty of great options for stays (hotels, Airbnbs, and other) in Nova Scotia, so there are definitely plenty of options to choose from. I’m not saying this just for the video, but I’ve loved the times I’ve stayed at the Muir and always left very relaxed! 🙌
This place looks beautiful. I live about 25 minutes away lol. Spend a lot of time in downtown Halifax. Definitely on the staycation to do list someday 😍
@@matthewjosiah O wow, I didn’t think you’d still comment on your older videos. Yeah I like your FORD acronym too. Both mean the same thing from what I can tell (still newish to me) but for whatever reason the word FORM stuck.
Super random question...where did you get your bookcase/cabinetry from? I'm looking for a modular set like that. also...i think you've just confirmed that Im just going to wait for Costco to update their stock and buy from them. Thanks!
If you are American, BILT is a great option for paying rent, but I don’t think it works in Canada, so Chexy is what I use to do that and it’s been a great experience! I’m now using my AMEX Marriott Bonvoy card, so I earn 2X the points instead of 1.25X I earned with AMEX Business Platinum.
The last tip is the most effective for saving money and also to delete passwords that are remembered that forces you to remember it or make a new one. Such a pain, but saves money. lol
@@tylerg8031 100% 😂 deleting passwords is another friction point, or getting someone else to be the one who has to enter a password only they know could be another one too. You’re totally right, but it can definitely save you some money! 🙌
I used it for 2 years and found that my “5 Minute Journal” was more aligned with my journaling goals. My sister has been going steady the whole time though! 🙌
It’s been awhile since I’ve ordered from Book Outlet because I’ve been really into audiobooks because I can turn driving into something productive. I have some credit I should use to test the shipping cost changes. I still think $10 shipping would be worth it since the deals are so good, but I’m always down for spending less haha Thanks for letting us know!
That’s awesome, Andrew - I’m 99% sure it does work offline, so you should check it out! It’s been awhile since I’ve updated it, so it might be a good excuse to use all those travel points I’ve got sitting in my account… 😂
Hi Priscila, THANK YOU for watching! I MIGHT use Chexy with the Cobalt card and this is why: - It is only a 1x multiplier for something like rent, so there are definitely better cards - You would earn 1500 points per month and be charged $26.25 compared to buying 1500 points, it would cost you $45 - The yearly total would be 18 000 points for $315 compared to buying 18 000 points for $540 You will still be coming out ahead, and the reason I said I might do it is because the points you would earn off Chexy wouldn't be a huge gain, but I am assuming you would also be using the Cobalt card with regular spending where you would be earning 2-5X your spend, so those points can really up quickly and would contribute to a bigger points portfolio. My cobalt card is the biggest points gainer by far and that's why I love it! I strongly believe the AMEX Cobalt card is the best credit card in Canada for me + my spending habits, as well as for many younger people, but it wouldn't be the reason I got the Cobalt card if that is a standalone reason... I recently changed paying my rent through Chexy from my AMEX Business Platinum card with a 1.25X spend to my AMEX Marriott Bonvoy card and now get 2X the points (along with a free hotel night every anniversary... I've got videos on this too haha) so there can always be better options and I think it's important that people find what works for them and not always worry about getting the maximum amount of points possible because then people end up with 100 credit cards and I don't believe that is sustainable haha If I was in your shoes and already had the Cobalt card, or was going to make it my primary card, I would do it, but there might be better cards out there if paying rent is going to be the primary use. I hope my response helps you make the best decision!
Hi 👋 thank you so much for your answer!! It was very helpful. It’s not my main priority to pay rent with the Cobalt but If I have it then I may as well use it to pay rent and collect more points . I just didn’t want to lose money. The other one I have , Visa momentum, gives me %2 only on cash back so my gain wouldn’t be much either. I don’t want to pay high fees on other credit cards and even though my credit score is very good, my income is not high enough to get the Visa Infinite %4 cash back.
I'm glad it helped, and I've got one more thing for you to think about since you said you have a 2% cashback card. Your Cobalt fee using Chexy is $315 for the year. If you used the 2% cashback, you would get $360 back for using that card. Would you rather have 18 000 points that to redeem on a flight/hotel for a variable amount of value depending where you book/when you book/other variables for your travel, or would you rather have $360 cash back?
What I do in hotels that can be a bit noisier is I have a White noise app that I use on my phone and I put headphones in and I just fall asleep with white noise in my ears and that way you know to a certain extent the people outside can be having an argument with each other and I could sleep through it that way I don't have to be kept up by it
The white noise is a great idea for travelling. Oddly enough, I will often do that at home, but I rarely ever do that when I travel haha I need to start doing it more. Thanks for watching and commenting!
@@matthewjosiah I tell you what with the White noise app and a cheap pair of headphones I was visiting Mexico and stayed in a hotel where they had literally the rest of the hotel other than the room that I was in taken over by some little league teams and they decided to party late into the night out on the balconies and the main areas of the hotel so it was noisier than all get out and if I hadn't done the White noise app thing I would have gotten any sleep that night. And itused to cheap beer headphones
@@matthewjosiah almost every motel I stayed in in Tijuana when I was trekking through there was noisy. In fact I hear it's common place for Mexican motels to be a lot of noisier than American hotels in fact I think I even read somewhere that guy from Mexico came to America and couldn't sleep in one of our hotels because it was too quiet 😆
I can tell you from experience at least on the normal rooms not the pressure like $1,000 rooms there is always seemed that like some of the name brand hotels like Hilton's in Marriotts offered less then what I would have gotten it had I stayed at a more budget-friendly hotel like a super 8 or econo Lodge or something like that. Because usually in those hotels I could get a fridge in the microwave and I also was always offered some kind of breakfast in the morning in the rooms were sometimes more spacious. Also some of them came with coffee makers. But in the more expensive name brand hotels by Hilton in Holiday inns and stuff it was usually a bad bathroom in the TV and usually the room was more cramped than what I was getting at the budget places. This of course is for the standard room for both places.
I really wish the branded hotels like Marriott and Hilton came with breakfasts every time, but that is rare and usually only when you have elite status with the hotels. That would be awesome if it was built in though, and I think it should be!
@@matthewjosiah it just was odd to me because I'm paying more for their basic room and I'm getting less for my money in a lot of ways. So it begins making me question why would I want to pay to stay when is lacking so much that the budget places have.
Nice video Matt! I am definitely trying to save up to buy something eventually even in an expensive market like Boston but this video is definitely a reminder to have those goals! And not being staisfyed with my current state
Thanks Mike! I definitely believe goals are super important and since this video, I've definitely taken some big action steps to making them happen. I hope the same for you and thanks for watching + commenting!
So I think you could apply those points in statements/purchases as well? Would work like a cashback then with that option? and last question... how much $ that would be? Thank you so very much!
In my opinion, it depends on how you want to use those points. THEY WILL GO FURTHER IF YOU REDEEM THEM FOR GOOD FLIGHT OR HOTELS IF YOU KNOW WHAT YOU’RE DOING (sorry, I just wanted to make that clear 😂) but sometimes it’s not about the $$$. Sometimes it would be great to use your points to pay off statements, buy a gift for someone, etc. The numbers I’ve seen online are you can redeem for a ratio of 1000 point for $10, so each point in valued at 1 cent. This can be similar to the AMEX point ratio when booking flights and hotels, but by doing things like transferring them to a partner program, booking in offseason or certain days of the week, special offers, etc. you can really maximize these points to much more than 1 cent per point. In the end, it comes down to what your goals are, but if they aren’t to redeem them for hotels or flights, I might look at cashback-specific cards that you would earn high than you would compared to the “1 cent” example here. It’s hard to compare these in general, and would be much easier to compare 2-3 cashback cards to the cobalt card based off their earnings, rewards, and places you shop.
You might be able to sneak in, and there are some self-ordering cash registers that don’t need you to punch in your Costco card info, but from what I can see online, Costco changed that policy back in 2020. The only thing I’ve heard of that you don’t need a membership for is the pharmacy. It’s 2 AM and you’re making me want a Costco hot dog now… 😂
I have always gone with Bell Aliant because I live on the East Coast and I’ve always been very happy with the network performance and service I’ve received. It was just too much money for me when I saw what else was out there. I have my phone service with Koodo and I recently saw they are starting to offer internet for a very good price and that’s what got me interested at first although it’s not available where I live.
That's a great price! Canada is known for expensive phones and airfare and I'm reminded how cheap some of those things are around the rest of the world anytime I travel... haha
Switched away from Koodo, then switched back to Koodo, saved $35/month on my phone plan… just a game of waiting for “Hi, I’m with the loyalty department…”🤣
Awesome! I changed my plan for a cheaper Koodo one for Black Friday last year and I saved something similar. I looked yesterday after this video and I still can’t get a cheaper one! 🙌
Great question, personally I wouldn’t and here is why: 1) I’ve built up my relationship with RBC since I was 18, and it is available to me locally, but I believe AMEX to be the best rewards program in Canada for lots of reasons I’ve discussed on my channel. 2) I can get up to 5X points (5X food, 3x streaming, 2X gas, 1x everything else) with my AMEX Cobalt card, which food and gas are major spending categories for me, so I want to maximize my points earned based on the 5X compared to 3x with ION+ but also more importantly where I spend a majority of my money. 3) I don’t want to add any more credit cards for the foreseeable future just for management sake. If I was someone who wanted to have a huge portfolio of credit cards to maximize the best rewards in every possible scenario, I might consider it for the place I can’t use my AMEX, but I don’t want to carry around 15-30 cards to do so. I have 4, they work in a system that works for me, and I’m happy with that haha I hope this helps explain my reasoning although I can totally understand why people would choose to get it!
Great vid Matt!👊 I have some similar goals Make 100k a year 100k networth by 25 (23 atm) Be able to travel freely and stress free of investment income or any other passive income
Yanick, I love seeing you take action brother! You consistently show up here in the comments section and more importantly I know you’re taking action on these things, so keep it up. I love those goals, I would challenge you to break the financial ones down by how many houses you would need to sell to achieve those and create a knockoff board where you cross one of every time you make a sale. Keep pushing forward, Yanick! 👊
Good afternoon Matt, I sent your gr8ness email a message, but I'm not sure if it's still active. I just wanted to let you know that I think you have an amazing mentality - not just financially speaking, but in general! 😄 I just found your RU-vid channel today when doing a little research on credit cards (I am trying to plan out the next few to get in the best possible order), but I already learned numerous things from just a few of your videos! I am shocked at the "paying your rent with a credit card" and some of your travel/hotel hacks! 😱 I initially found you through your Costco membership video, but I loved your content and watched more! Very glad I did haha 😝 I would love to talk more with you if possible: what you discuss is EXACTLY what I'm interested in! Most of my friends and family are not interested in and/or do not understand the benefits of financial planning, maximizing credit card benefits, real estate, and/or investing (stocks, as well as in one's health lol). I am relatively young, but always prioritized long-term goals. So I do not connect well with my peers who do not cultivate healthy/beneficial financial habits. For example, I am very interested in real estate and earning passive income through rent (I bought my first apartment unit with a roommate when I was 23 to ditch renting myself). I also purchased whole life insurance for myself around the same time, but investing in property, life insurance, and legacy planning overall are not common interests/conversations I can have with a lot of people (usually I talk to older people to understand lol) . . . 😅😔 So I REALLY appreciate those who realize the value in financial freedom and wealth-building. It's so interesting and practical for everyone! Please let me know if we can chat more, I'd love to hear your experiences and thoughts on a number of (other) things! At the very least, I hope you could share contacts and/or links to find others who think similarly as yourself/myself! I'd love to see videos on more topics (such as the things I mentioned above). 😛 The best way to contact me is to respond to my email or this comment I suppose, since these comments are public . . . 😅😬 I also admire that you respond to all the comments on your videos, so I'm hoping to hear back from you somehow! 😁 Mahalo (thank you) and please take care! Anonymous Love from Hawai'i! 😆😄🤓😎🤑🤩😁🌈🕶☀️🌊🤙🏖🏝💯
Wow, thank you so much for your comment! It’s probably the best one I’ve ever received on my channel! Haha It sounds like you are on a journey and doing lots of the right things to make it the best one possible and are really setting yourself up for success. This is awesome to see and more people need to be taking steps like you are to create security and financial freedom. You souls be really proud of yourself! I’ve been vacation so that is why I took awhile to reply to this comment, but I will get back to your email soon and look forward to talking more. Thank you again for watching and sharing your journey, you’re crushing it and keep it up! 🙌
Heyaa, the video was impressive🙌! I'm not really sure if it is the best time to ask but, I was wondering if I could help you create a better distribution by working on post-production like better storytelling through Edits, Keywords, think catchy intros and outros, or even some engaging short clips! Would love to chat if you're interested and keep creating good content:)
Thanks a lot, I appreciate the compliment and I usually do text, edits, etc. but wanted to try a different style on my channel and keep things more authentic. If you would like to email me your info to matt@mindsetmoneyandmore.com I will keep your information for when I need it in the future. Thanks!
That’s awesome to hear, I just got back from a visit this weekend and it was way different compared to when it opened because there was a lot more energy in the hotel - have a great stay!
Awesome - the benefits are pretty similar between the US and Canada like this one. I would like to get a US card, too, but I haven't gone cross-border yet!
@@matthewjosiah and im also paying monthly fee on amex card that's why im trying to analyze if doing this method would benefit me. And im genuinely asking about ur opinion or ur take on this.thanks
I apologize for the late reply - I thought I got back to you and realized I hadn't - it can be hard to compare the values of AMEX points because the redemption value can change. Sometimes you book hotels with them and depending on location, time of year, etc. the value can be different and I've seen the same thing happen with flights. But, it's commonly accepted in the space to see the value of 1-2 cents per AMEX point in Canada when used for air travel or hotel redemption, although some people do much better than that when redeeming points and it boggles my mind haha The main thing I would look at in your case is the cost to buy the MR points directly from AMEX. The current rate is buying 100 points for $3, so at that rate 14 400 points would then cost you $432 total. Buying points is going to be more expensive than earning them more often than not unless there is an insane bonus that comes up. When I looked at making this decision for myself, I recognized that it made sense for me, but you've got to make that call for yourself because it might not be worth it to you.
Amex cobalt (5x points eating out and food deliveries) RBC ION+ (x3 points Groceries at loblaws, restaurants that don’t accept amex, gas at petro canada -3 cents off. Streaming services. Transfer premium points to Elite points, transfer points to transfer partners same as amex to pool points) RBC Avion Infinite Visa (travel, vip banking to waive $120 annual fee.) Rogers World Elite Mastercard (rogers and shaw bill, costco 2% back, 3% on foreign transaction fees, put earned cashback towards any annual fees) What do you think about this credit card portfolio for a family of four that does a lot of groceries and food deliveries that plans to travel 1-2 times a year on points. What would you change?
Honestly, I think that combination is great because you have the AMEX, VISA, MASTERCARD options, and your justifications for each card are solid. The main thing I would look at is to challenge you to use the Cobalt card for your grocery purchases as much as possible when you don’t shop at Costco, so you mentioned the ION+ gets you 3x points at Loblaws. I always shopped at Loblaws stores, but when I got my Cobalt and made it my primary spending card, I swapped grocery stores to Sobey’s franchises to get 5X points, so this is at places like Sobey’s, IGA, Safeway depending on where you live. Do a quick search to see what Sobey’s grocery options are in your area if you don’t mind switching chains because you can definitely earn more points there! If you are ever looking at adding an additional card, the AMEX MARRIOTT BONVOY card is a no-brainer for people wanting to travel on points because of the free annual night as I described here in this video, and show you in other videos on my channel. Great combination, good luck travelling for free! 🙌
@@matthewjosiah Thank you for your detailed response and your recommendation! I’ve tried shopping at either Save on Foods and Safeway but I noticed that I always end up spending $30-40 extra depending how much I would spend compared to shopping at superstore. So if I do groceries 4 times a month, thats $120-160 extra month. So I couldn’t justify shopping there even though I would be getting 5x the point because I would still be at a loss compared to shopping at superstore. That’s why I included the ION+ to at least still gain x3 the points and save money at the same time. I shop at T&T also which also doesn’t accept Amex so I would use the ION+ there too. I will look into the Amex Marriott Bonvoy!
@AbztractPictures it sounds like you’ve got a great justification for where you use your cards and why AND how it makes sense financially, so I love seeing that! I have 4 cards and there’s a time and place to use each of them and even when I look at all the other cards out there I could benefit from, I have a system that works for me and feel no need to add another one. It seems like you’ve got a great system and I hope it keeps working for you and those points keep stacking up! 📈
@@AbztractPictures I made a specific video outlining the 4 cards I have and the reasons why I chose them. It's here if it helps: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-UteaFso06fc.html
