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MAGAZINE

2019 • ISSUE 7 • VOLUME 11 • TABLE OF CONTENTS

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WINTER IS APPROACHING FASTER THAN YOU CAN SAY BRRRR... Do chilly temperatures get you down? If shovelling your driveway and scraping ice off your car sounds less apealing than hiking in a rain forest or sunning yourself on a white sandy beach, it’s time to start planning a warm-weather get-away. As Canadians get their first real blast of winter, they’re doing what Canadians do – head south. Winter break is as Canadian as Tim Horton’s double-double. Those who can go, do. So trade your sweaters and parkas for swimsuits and sunscreen and head south this winter. A hotspot vacation will warm you up through the coming months of winter. 3

letter from the publisher Wayne Hansen, Senior Editor

THE 10 BEST PLACES TO VISIT IN 2020 If you’re looking for the new places to visit in 2020, here are some popular suggestions that can help you pinpoint the perfect destination. International travel is a big trend for 2020. Here are the best places to visit: 1. Dubrovnik, Croatia Dubrovnik is a shimmering beauty on the Dalmatian coast, say travel agents. The medieval walled city facing the Adriatic Sea is saturated with ancient history. Dubrovnik appeals to history and culture buffs, as well as Millennial travelers, and of course “Game of Thrones” fans. 2. Atacama Desert, Chile This desert, located about 8,000 feet above sea level, is often compared to Arches National Park or Canyonlands National Park in Utah. You can spend most of your time hiking and biking the surrounding mountains and canyons, bird watching, and visiting picturesque villages and ancient ruins.

best places to visit in 2020. It has one-of-a-kind experiences such as a candlelit dinner in the middle of the desert replete with camel rides, belly dancers and fire eaters. 6. Kigali, Rwanda Rwanda in general and Kigali as the capital gateway city have really come into their own since the genocide a generation ago. Kigali is clean, safe and filled with enlightening cultural experiences from world-class modern art galleries to fashion, local crafts and even a coffee co-op run by women making the world’s best coffee.

10. Amangiri/Lake Powell, Utah/Antelope Canyon, Arizona The scenery and outdoor elements are unlike anywhere else in the U.S. Plus, it’s just a four-hour drive from Phoenix or Vegas — or easily accessible by private plane.

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Gina Hansen, CTC, ECC

7. Bariloche/Patagonia Argentina Bariloche, the northern part of Patagonia, is famous for its scenic lakes and offers activities like hiking, biking, golf, and water sports. A popular choice is the Llao Llao, a hotel perched on a small hill, framed by lakes, woods and the Andean peaks.

3. Tel Aviv, Israel Tel Aviv has become a culinary center in recent years. Check out the white Bauhaus buildings lining the wide, tree-dotted promenades. Tel Aviv is also welcoming to members of the LGBT community, according to Ovation.

8. Cape Town, South Africa The warm mild climate makes Cape Town a fantastic destination. The views of the ocean and the fantastic botanical gardens make this cosmopolitan city a most worthwhile place to visit all year long.

4. Porto/Douro Valley, Portugal Porto has great food, wine, the sights, perfect weather and reasonable costs. Porto is great for couples.

9. Palermo/Sicily, Italy The island of Sicily contains some of the most remarkable sites in the world, including the legendary Valley of the Temple, where the remains of seven Doric temples stand in a breathtaking setting of almond groves and olive

5. Marrakech, Morocco Marrakech is another up-and-coming destination on the list of the 20

trees. Sicily has an authenticity to it that has faded from many other parts of the world.

Publisher, Executive Editor

publisher@talktravel.ca Wayne Hansen, Publisher, Senior Editor

editor@talktravel.ca Daryl Cooper, Asst. Editor editor@talktravel.ca Jana Schweitzer Graphic Design

janaschweitzer00@gmail.com John Kenchenten Video Editing/Production

editor@talktravel.ca Rita Rong IT Manager

rita@talktravel.ca Steve Klein Associate Editor/Director Business Development

steve@talktravel.ca Suite 212 – 475 Main Street Vancouver, BC, V6Z 2T7 Tel: 604-629-0877 Fax: 604-629-0878 Talk Travel Magazine is published monthly. Canada Publications Mail Product Sales Agreement No. 4213851 Copyright 2019 ISSN 1925-7449

By: Wayne Hansen Visit Malaysia 2020 will bring out the best of what Malaysia has to offer to the world in a single, event-packed year. The year 2020 holds a special place in the heart of all Malaysians as they reflect and celebrate all their successes and challenges in transforming a once colonial land, into a thriving, multi-cultural and dynamic country. The Visit Truly Asia Malaysia 2020 campaign has now been launched and visitors can now start planning their visit to Malaysia featuring over 20 Fantastic Festivals during the next 12 months throughout 2020. I recently returned from media press trip to Malaysia that featured a reminiscence tour of the culture and heritage of Malaysia. With the many cultures that have found a home in Malaysia, the food showcases its uniqueness and the many specialties has become one of, if not the, highlight of a trip there. Even in ancient times, Malaysia was a designated stop on the world’s spice trade route. As a result, local foods bring together flavors from all over the known world to create a special flavor only found there. A visit to Malaysia will usually start at Kuala Lumpur which has been hailed as a first-class city, while its surrounding areas are still pretty traditional, cre-

Visit M ating a mixed landscape of old and new. Its newer and more prominent buildings still derive their design from traditional Malay architecture, thus creating buildings with eclectic flair. Much of the Malaysian landscape is similar and still transitioning from antique to modern. What makes Malaysia so unique and interesting is the multitudes of Asian ethnicities that have settled in Malaysia over centuries, forming their own special blends distinct from their original cultures. Each culture with their respective religions is expressed and celebrated harmoniously, as an example for the rest of the world. Listening to Malaysians having a conversation is possibly one of the most interesting things to do, as most locals have a habit of alternating between all the languages they know as they speak (known as code-switching). This often involves their mother tongue combined with English and Malay. However, almost everyone I encountered from drivers, to waiters, to store clerks almost all spoke English giving Malaysia one more reason to make a visit there that much more enjoyable. One of the attractions of Malaysia is shopping….shopping…shopping.

Our group had an opportunity to visit some of the mega malls that make ours back home seem small. The first things you will notice is how inexpensive all forms of clothes are. Come with an empty suitcase and leave with modern fashions at a fraction of the cost you would pay back home. The low cost of goods, be it of the edible, wearable or simply displayable variety attracts visitors from all over the world. Another activity is to visit the distinctive day and night markets, frequented by everyone regardless of income and class, which provides great insight into the everyday life of the average Malaysian. Malaysian weather is truly an experience. Since it’s right on the equator, the country’s tropical humidity – a mixture of both high heat and sudden rains – is like no other. While this almost unpredictable weather pattern may seem daunting to some, it’s all part of the charm. Explore the many landscapes of Malaysian climate: from sweltering heat in the urban jungle, to perfect strawberry-growing climate in the Cameron Highlands, to absolutely gorgeous beach-lounging weather on all the beaches and resorts. 6

Malaysia 2020 Since much of Malaysia has been inhabited by traders and job-seeking immigrants from many parts of the world since the 1800s, it is no wonder that many towns still bear the cultural remnants in their architecture. States such as Penang and Melaka are particularly famous for maintaining these historical buildings and have been declared UNSESCO World Heritage sites to protect these relics of eras past for current and future generations. Our itinerary in Melaka took us to the Hang Tuah Centre which is a museum and tourism complex dedicated to the famous legendary Malay warrior, Laksamana (Admiral) Hang Tuah. While there we were presented with a display of martial arts from students and local music. Well worth visiting. We then visited the Baba & Nyonya Heritage Museum which was acquired by the Chan family in 1861. Four generations lived in the house before it was opened as a museum. You’ll partake in a journey into late 19th-century and early 20th century Malaya which offers a glimpse into the richness of the culture and the 7

opulence that was fashionable in many pre-world war II Peranakan homes. An evening Melaka River Cruise is one of the must do things if you visit Melaka. The 45-minute cruise passes through the downtown area with view of old warehouses, shops, restaurants and a traditional Malay village. You’ll find lots of good graffiti art on the building which adds to the atmosphere. Towards the end of our visit we had an opportunity to visit Lonek Homestay which offers visitors an opportunity to live on a short stay with local Malaysian families in a traditional Kampung (village) or simply visit for a day. They offer a complete program of learning how to cook traditional foods, making handicrafts and participating in games and recreational activities. The diversity of Malaysia’s population has brought together the many art

styles and techniques from all over Asia, producing a distinct design in architecture, fashion and food. The best of these fusions is seen in the Peranakan, or Baba-Nyonyan, tradition, which combines beautiful batik print patterns with oriental embroidery and beading, creating one of Southeast Asia’s most beautiful styles. The architecture in unique as it mixes Chinese designs with Malay motifs. A trip to Malaysia should be on everyone’s bucket list for many reasons. A melting pot of most of the world, this beautiful country has much to offer that sets it apart from the rest of Southeast Asia. Here are more than 20 fantastic festivals to choose from during the coming year to convince you to start planning a trip there today.

JANUARY

• Royal Langkawi International Regatta 6-11 Jan at the Royal Langkawi Yacht Club, www.langkawiregatta.com • Chinese New Year Celebration Jan – Feb Jonker Street, Melaka

FEBRUARY • Le Tour de Langkawi Feb – Around Malaysia… Asia’s premier multiple-stage race which has become Malaysia’s biggest cycling competition and Asia’s biggest race. www.ltdlangkawi.my • Penang Hot Air Balloon Fiesta 1 – 2 Feb. Polo Ground, Penang It’s a one-of-a-kind experience and the only hot air balloon festival on an island in Malaysia! www.penanghotairballoonfiesta.com • Lumut International Boat Show 19-23 Feb. Marina Island, Lumut, Perak. This will be the navigator of Asia-Pacific leisure boating. It is the most comprehensive boating exhibition in Malaysia. www.tourismperakmalaysia.com • Pasir Gudang World Kite Festival 16 Feb – 1 Mar, Bukit laying-Layang, Pasir Gudang, Johor

www.mppg.gov.my

MARCH • Perlis East Wind Festival 6 – 8 Mar., It gets its name from the winter-to-summer cycle brought by the wind from the east to the state of Perlis which brings out the unique way of life of the peasant community in the northern Peninsula. www.jkkn.gov.my • Putrajaya International Hot Air Balloon Fiesta 19 – 22 Mar., Precinct 2, Putrajaya • Watch hot air balloons as you enjoy the sights around Putrajaya, Malaysia’s administrative capital.

www.ppj.gov.my

• Melaka International Air Carnival 27 – 29 Mar., Melaka International Airport, Batu Berendam, Melaka. This is an event for the local and international aviation personnel, military, police force, air force, rescue teams and groups to showcase themselves and recruit aviation fans.

APRIL • Terengganu Squid Jigging Carnival 2 – 5 Apr., Marang & Kuala Terengganu. This carnival attracts angling enthusiasts to the east coast. Everyone can take part and use their skills to get the best catch of the season. http://tourism.terengganu,gov.my • Pahang Chenor Fest 3 – 5 Apr Chenor, Maran, Pahang. Held along the scenic riverbanks of Pahang, this unique program gives a glimpse into the state’s culture and arts while showcasing its picturesque beauty.

www.jkkn.gov.my

• Jelebu Two Wheels Festival 4 – 5 Apr. Muzium Adat, Jelebu, Negeri Sembilan. Experience nature, culture and adventure in the small town of Jelebu. Participants use the trusty two wheeler transverse the natural greenery and enjoy the sights and sounds around the town. www.madjelebu.gov.

• Kelantan International Giant Kite Festival 16 – 29 Apr. Getting Beach, Tumpat, Kelantan. This program ensures that the tradition of kite-flying is inherited by the younger generation and experienced by locals and tourists alike.

www.kelantan.gov.my

• Regatta Lepa 17 – 18 Apr. Dataran Regatta Lepa, Semporna, Sabah. A flotilla of colourful boats dot the Celebes Sea as they compete for the title of the ‘Most Beautiful Lepa.’ http://sabahtourism.com

MAY • Ipoh Food and Coffee Festival 1 May, Ipoh, Perak. Ipoh is known as one of the most popular places in the country to enjoy local delicacies, especially its well-known white coffee.

www.tourismperakmalaysia.com

• Tadau Ka’amatan Harvest Festival 30 – 31 May. Hongkod Koisaan, Penampang, Sabah. The month-long Harvest Festival celebration will culminate with the final round of the highly-anticipated Harvest Beauty Queen pageant.

www.kdca.org.my

JUNE • Kedah Folks’ Festival 12 – 14 June, Sungai Korok, Jitra, Kedah. Enjoy cultural shows, folk fames, traditional food and more at this lively festival. www.jkkn.gov.my • Labuan International Sea Challenge 26 – 38 June. Labuan International Sea Sports Complex, Labuan. Enjoy a great splashing time with lots of water and beach activities. • Festival Sayangi Lahad Datu 26 – 38 June. Lahad Datu Sports Complex, Sabah. • The festival will celebrate the multitude of unique ethnicities in Lahad Datu such as Idahan, Bajau, Sungai, Suluk, Cocos, Kadazan and many more.

JULY • Rainforest World Music Festival 10 – 12 July. Sarawak Cultural Village, Santubong, Sarawak. This music festival is unique that brings together on the same stage renowned world musicians from all continents and indigenous musicians from the interiors of the island of Borneo. A not-to-be-missed occasion. This festival guarantees a smashing time in the heart of the rainforest. https://rwmf.net • Borneo Jazz Festival 17 – 19 July, Miri, Sarawak. This festival is one of the longest running Jazz festivals in the region. The line-up includes internationally acclaimed artists from USA, Italy, Mexico, Japan, Austria and the Netherlands. www.borneojazzfestival.com • Balik Pulau Arts Festival 17 – 19 July, Balik Pulau, Penang. Enjoy a splendid showcase of local arts and culture such as Boria, Ghazal, Chingay, martial arts and lots more.

www.jkkn.gov.my

• Kelantan Folk Arts Festival 17 – 29 July. Getting Beach, Tumpat, Kelantan. This festival is a great platform to watch many types of drum performances and much more. • Kembara Mahkota Johor 24 – 26 July, Johor. This is a program led by His Majesty Sultan Ibrahim Ibni Almarhum Sultan Iskandar, the Sultan of Johor. The aim is bringing the royal family of Johor closer to the people. http://tourism.johor.my • 9th World Cup Woodball Championship 2020, 24 – 30 July, Syed Sirajuddin Areeb Putra Sports Complex, Perlis. The premier venue for the 9th World Cup Woodball Championship in 2020.

AUGUST • Selangor International Indigenous Arts Festival 2020. 1 – 2 Aug. Botanical Garden, Shah Alam, Selangor. This festival showcases the arts, crafts, music and lifestyles of the various indigenous communicates in an entertain and enjoyable setting.

www.tourismselangor.my.

• Langkawi International Jet Ski Championship, 11 – 15 Aug. Taman Lagenda, Kuah, Langkawi. International participants test their skills and challenge the waves in their jet-skis to win the coveted title. www.icomm.com.my. • Royal Floria Putrajaya, 15 – 23 Aug., Putrajaya Botanical Garden, Precinct 1, Putrajaya. This is Malaysia’s leading annual flower and garden festival. It is the top event in Putrajaya’s calendar. www.ppj.gov.my

SEPTEMBER • Terengganu International Paragliding Competition 2020. 1 Sep. Kota Putera Paragliding Park, Besut, Terengganu. This event brings international paragliders performing flying acts against the backdrop of Terengganu’s stunning natural landscape. http://tourism.terengganu.gov.my • Royal Pahang Billfish International Challenge 11 – 13 Sep. Pantai Bernas, Rompin, Pahang. This is an event that will draw sailfish anglers from all over the world. www.rpbic.com.my • Tropical Rainforest Run 2020, 26 Sep. Tawau Hills Park, Sabah. Run among the tallest tropical trees in the world. A must for adventure enthusiasts. http://hellosabah.my

OCTOBER • Kl Tower International Jump Malaysia 2020. 1- 4 Oct. KL Tower, Kuala Lumpur. BASE jump enthusiasts from around the world converge at KL Tower, for an adrenalin-pumping leap from the tower’s Sky Deck. www.menarakl.com.my

NOVEMBER • Sarawak Drums Festival 6-8 Nov. Kuching Waterfront, Sarawak. The festival features Sarawak’s percussion instruments as well as other performances such as puppet theatre, dances, buskers and more.

www.jkkn.gov.my

• Living Arts Cultural Festival: “The ASEAN Legacy” 6 – 8 Nov. Malaysia Tourism Centre, Kuala Lumpur. The festival brings together community-based arts that have been acknowledged by UNESCO, and duly recognized as Malaysia National Heritage. www.jkkn.gov.my • Labuan Remembrance Day, 8 Nov. World War II Memorial, Labuan. War veterans from the commonwealth countries as well as locals and visitors from all over the world gather at the World War II Memorial to pay tribute to the brave souls of yesteryear.

www.labuantourism.my

• Kuala Lumpur Fabulous Food Hunt, 8 Nov. Kuala Lumpur. This is designed to introduce, as well as promote KL’s fabulous and famous food to the public.

www.redadventure.com.my

• The Raja Muda Selangor International Regatta 2020 13 – 21 Nov. Royal Selangor Yacht Club. An exciting yachting race that spans Port Klang to Langkawi Island.

www.rmsir.com

• Penang Bridge International Marathon 22 Nov. Penang Bridge (First Bridge) • An international running event catered to all from the young to old. • PD Bike Rest 2020 23 – 25 Nov. Port Dickson, Negeri Sembilan. The largest bike gathering in the beach destination of Port Dickson.

DECEMBER • Penang International Dragon Boat Festival 5 – 6 Dec. Teluk Bahang Dam, Penang. Enjoy a weekend of pulsating thrills and spills, as dragon boat teams battle it out in the water to be the champions.

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INNOVATINGCANADA.CA

The Canadian Company Shifting the Loyalty Landscape in Favour of Consumers

s loyalty programs continue to gain popularity for their ability to reward frequent shoppers, the problem with the traditional loyalty and rewards industry remains the same. Canadians are forced to split their support amongst several companies requiring a different card, code, coupon, or app to collect rewards. Rewards can often only be spent in one place and are often difficult for members to track due to complicated point systems that can equate to little monetary value. That’s no longer the case, thanks to innovators like Toronto-based startup Paymi, who is removing the effort and guesswork from traditional loyalty and rewards programs by simplifying the reward experience and treating cash as king. “Canadians love loyalty programs, but the whole premise of the loyalty industry is undergoing a period of transformation and disruption,” says Paymi co-founder and CEO John Flett. “The legacy programs have seen great success, but today’s consumers and merchant partners expect much more.” As a

card-linking rewards platform, Paymi seeks to provide more by delivering on a different value proposition for both users and merchants.

John Flett Co-founder & CEO, Paymi

The art of double dipping and accelerated earnings

By providing a frictionless transaction in which consumers receive cash back from retailers themselves, Paymi enables members to gain accelerated earnings when they shop with Paymi partners, like CIBC, Leon’s, Urban Barn, Indigo, Staples, Burger King, and Mary Brown’s. “We’re giving consumers what they want by bringing greater value to members and our merchant partners,” says Paymi co-founder and CCO Rob Shields. “Paymi enables users to earn cash on top of their credit and debit card rewards without having to remember to show another card or activate a particular offer.” The convenient, effortless, and rewarding transaction model of disruptive startups like Paymi is unquestionably changing the loyalty landscape in Canada, ushering in a new era of empowerment for both consumers

Rob Shields Co-founder & CCO, Paymi

and brands in the process. With over $1 million in rewards given in 2019, Paymi’s seamless experience and ability to give cash rewards are why so many Canadians are signing on to the platform. Gavin Davidson

Publisher: Carly Han Business Developer: Nina Theodorlis Country Manager: Jacob Weingarten Content Strategy Manager: Margot Thomas Production Manager: Calli Eliopoulos Lead Designer: Yeganeh Ghasemi Web Editor: Kaleigh McLelland Contributors: Gavid Davidson, Ted Kritsonis, Anne Papmehl, Michele Sponagle, Melissa Vekil Photo credits: Terry Manzo, AIR MILES Rewards Program, Marriott International All images are from Getty Images unless otherwise credited. This section was created by Mediaplanet and did not involve Maclean’s magazine or its editorial departments. Send all inquiries to ca.editorial@mediaplanet.com.

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A SPECIAL INTEREST SECTION BY MEDIAPLANET

Big Data, Bigger Rewards: Driving Value to 11 Million and Counting time. The leading-edge work we are doing in machine learning and automation is enabling us to deliver personalized experiences at scale ensuring both Collectors and Partners get great value from the Program.

Using AI and machine learning to improve the AIR MILES Collector experience

very day, Canadian consumers are willingly providing their personal data to major brands through loyalty programs, digital footprints, marketing communications and more. They understand the value exchange that these programs are built on. Consumers join a program for the perks, and in exchange, they provide access to their shopping behaviour to help brands provide a more valuable experience. However, if you ask consumers, most would say they are not getting fair value in exchange for their data. Many brands are capturing data without having the infrastructure or capability to translate the vast amount of data points into relevant and meaningful value for their customers. They promise a simple, relevant and valuable experience, but aren’t following through.

“If you ask

consumers, most would say they are not getting fair value in exchange for their data.”

As Canada’s favourite loyalty program, with more than two thirds of Canadian households actively participating, AIR MILES understands this disparity between customer expectation vs. reality. As an industry leader in the loyalty sector and expert in big data, AIR MILES is creating win-win relationships that provide value for its coalition of partners and its 11-million active Collectors. And it’s doing so while rewarding Canadians every two seconds through innovating on its strongest asset — Collector data.

Innovation in response to consumer needs

Since 1992, AIR MILES has been part of Canadians’ everyday experience, and the program has the unmatched ability to deliver value to its partners and Collectors alike. With a coalition of over 300 leading Canadian and global brands, including Sobeys, Shell, Rexall, and LCBO, AIR MILES Partners represent 80 percent of Canadian household spend. This network provides the framework for AIR MILES to collect, segment and act on big data in ways that create meaningful and rewarding offers, communications, and benefits for AIR MILES Collectors. “We strongly believe in the value exchange we offer our Collectors, and the corresponding impact it delivers to our Partners,” says Rachel MacQueen, Senior VP of Marketing and Collector Experience at AIR MILES. “It’s not enough to understand our Collectors. We need to use that insight to deliver the right offer, to the right Collector, at the right

Data analytics are among the driving forces in AIR MILES evolution. The AIR MILES data platform allows the collection and synthesis of 6,000 attributes per Collector, enabling a richer, more personalized experience through offers, marketing campaigns, and in-store experiences. Data collection at this scale benefits the consumer through a personalised experience that translates this data exchange into meaningful value for consumers. Just ask fans of beloved brands such as Amazon, Netflix. Hudson’s Bay, or Nike. The way these brands are enhancing the customer experience — where product recommendations and individual experiences are now table stakes — is turning casual customers into loyal fans due in large part to how they are collecting and segmenting data. AIR MILES has an intimate understanding of individual interests and habits of Canadian consumers, which allows the loyalty program to recommend experiences that reflect its customers lifestyles and delivers more value back to the Collector. While it seems simple, it’s a premise that is all the more impressive given that over 85 percent of companies’ big data projects struggle or fail.1 “Looking ahead, we’re planning to implement significant changes to the program in 2020 that we know will disrupt the loyalty landscape and excite Canadians coast-tocoast,” says MacQueen. “We’re tapping into our proprietary tools and technology and responding with a brand evolution that will cement AIR MILES’ leadership position within the Canadian loyalty landscape and drive even more value back to our Collectors. We can’t wait to share that with all of Canada.” Mediaplanet

Gartner Analyst – Nick Heudecker, November 10, 2017

No two people are alike. Why should their Reward options be any different? With plenty of ways to get Miles and even more ways to use them, including instant Rewards when you shop and access into the biggest shows, the hottest merchandise for your home, or unforgettable getaways, it’s easy to see how AIR MILES® Collectors get rewarded every 2 seconds.* Join the Reward Program that can give you all that. Become a Collector in only a moment at airmiles.ca/mag.

* Illustrated rate references the AIR MILES Reward Program’s national AIR MILES Cash and Dream Rewards redemption for the 2018 calendar year. ** The AIR MILES® App is available for iPhone, iPad and Android devices only. Visit the App Store or the Google Play Store. The AIR MILES App is free to download. Additional carrier data fees may apply. ®† iTunes and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Inc. is not a sponsor or participant of the AIR MILES App. ®†† Android and Google Play are trademarks of Google Inc. ® ™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co.

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Finally, You Can Use Your Rewards Your Way

early 80 percent of Canadians have a credit card with rewards. With hundreds of options available — each with a different niche — it can be a challenge to find the right fit. Cardholders are constantly looking for cards that do more and that are tailored to their unique needs and spending habits. The ultimate, of course, would be a card that offered completely flexible redemption — a card with cash back rewards that cardholders could redeem for absolutely anything they want, anytime, anywhere. This card would provide maximum flexibility to achieve bigger dreams and quicker gratification. With every purchase made, customers could reward themselves and move closer to buying the things and enjoying the experiences they covet the most. That card is finally here.

Spend, earn, redeem your way

Rogers Bank has three unique credit cards that offer cash back rewards, each with no annual fee. They can be used to earn cash on almost everything you buy and the cash can be redeemed as needed without limitations on how much, when, or how often. This opens up a world of possibilities without the category restrictions that make rewards with other cards more difficult to redeem. Whether your dream is a tropical vacation, luxury kitchen gadgets, or a discount on your household essentials and gas, cash back rewards put the power in your hands. Every type of purchase qualifies as a reward, so you can forget about being locked in with limited redemption choices and having to make selections from reward-specific sites. This program allows you to redeem your cash back rewards at Airbnb, Uber, Spotify, Netflix, Amazon, food delivery, or for whatever suits their needs. “We focused on improving the redemption experience so cardholders could enjoy

more freedom and flexibility,” says Richard McLaughlin, Rogers Bank CEO. “Our unique Mastercard Pay with Rewards app gives cardholders an unparalleled experience, where they can apply their cash back rewards at any of the 44 million merchants worldwide that accept Mastercard. It’s intuitive and easy to use, and most cardholders can earn cash back rewards on all of their purchases so they’re getting the best value possible.”

Richard McLaughlin CEO, Rogers Bank

Ultimate flexibility

Take the Rogers Platinum Mastercard, for example. You earn 1.25% in unlimited cash back rewards on all eligible purchases in Canadian dollars and 3% on purchases made in foreign currency. On Rogers services and products charged to the card, you receive 2% in unlimited cash back rewards. You don’t need to be a Rogers customer to get value from the cards, though. All of the cash back rewards credit cards from Rogers Bank are available to everyone and are not restricted to Rogers or Fido customers. Just imagine redeeming your credit card rewards with the complete freedom to do it on your terms. Cash back rewards on purchases made with a Rogers Bank Mastercard can be redeemed instantly, and rewards on purchases made within the last 90 days can be redeemed using the Mastercard Pay with Rewards app, which is available from the App Store or Google Play. The cards continue to evolve in new ways to give you what you value most — the ability to spend your cash back rewards without limits. Find out which cash back rewards card is right for you. Check out the details at rogersbank.com and apply online. It’s the first step to getting more of what you love most. Michele Sponagle

“Imagine

redeeming your credit card rewards with the complete freedom to do it on your terms.”

The ultimate travel rewards card. • 1.75% cash back rewards on all eligible purchases1 • 4% cash back rewards on eligible purchases made in a foreign currency1 • Book travel anywhere, anytime • $1 in rewards earned = $1 redeemed anywhere2 Voted winner Financial Services category by consumers

• Comprehensive travel insurance3 • No annual fee

Apply online today at rogersbank.com/travel. Offers subject to change without notice. Account must be in good standing. Non-eligible purchases include: cash advances, balance transfers, fees, interest, purcharse returns or payments. Cash back rewards are earned on purchase price only (excluding any associated transaction fees). Foreign currency transactions are converted to Canadian dollars at the Mastercard International rate on the date the transaction is posted to the account. The Mastercard International rate applied to debits will be different than the rate applied to credits. Minimum purchase and redemption amount of $20. Cash back rewards apply up to the lesser of the purchase amount or rewards balance. Some exceptions apply, including cash advances and cash equivalents. Rewards are not refundable. Account must be in good standing. See Reward Program Terms and Conditions, rogersbank.com/legal. Insurance benefits included with the Rogers World Elite Mastercard are underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. Coverage is subject to conditions, limitations and exclusions, including a pre-existing condition for certain benefits as well as the requirement to charge the eligible expenses and/or items to the Rogers World Elite Mastercard. For full terms and conditions, please refer to the certificates of insurance at rogersbank.com/coverage ®/™ Mastercard and World Elite are registered trademarks and the circles design is a trademark of Mastercard International Incorporated. ™ Rogers Bank and related logos and brand names are trademarks of Rogers Communications Inc. or affiliates under license.

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Alchemy Bar at JW Marriott Edmonton ICE District

H Tasting Lounge at The Westin Bayshore, Vancouver District

Unlock the Full Potential of Your Loyalty Rewards Program

ith the new Marriott Bonvoy travel loyalty program — which replaces the Marriott Rewards, Starwood Preferred Guest (SPG), and Ritz-Carlton Rewards programs — guests have even more options for using their points.

Personalization and flexibility

Marriott Bonvoy supports over 30 brands, ranging from luxury, full-service to extended stay. Reflecting the brand’s motto that personalization is the height of good hospitality, Marriott Bonvoy adds greater flexibility to how guests can redeem their points. In addition to using points to pay for their hotel bookings, guests can use them to enhance their stay with unique one-of-a-kind experiences around the world. The most popular rewards programs offered under Marriott Bonvoy’s umbrella include Marriott Bonvoy Moments (open to members only), which offers nearly 10,000 exclusive, once-in-a-lifetime moments, and Marriott Bonvoy Tours & Activities (open to anyone), where guests can complement their stay with a local attraction or experience. A recent addition to the portfolio is Homes & Villas by Marriott International, which lets members redeem points for private home rentals at one of more than 2,000 properties. Imagine renting a private beach villa with a spectacular view of the seaside, spending a romantic fall getaway at a cozy country cabin, or hanging out in a hip, urban flat in the heart of a bustling city.

Marriott Tours & Activities destinations

With Marriott Bonvoy Tours & Activities, guests have access to more than 200,000 experiences in over 1,000 destinations across Europe and North America. Whether a day trip to learn more about your destination’s local

history, classic sites, and landmarks, taking part in a sports tour, or attending a culinary masterclass with a world-renowned chef, there are countless of options for experiences to suit every type of traveller. Better yet, members earn points for every booking. Some enticing experiences have recently been added to the Canadian roster, like at the new JW Marriott Edmonton ICE District hotel, where you can use your points to book a session at the spa or experience some remarkable cuisine at one of the many splendid restaurants and bars like the Alchemy Bar, an intimate cocktail lounge on the hotel’s fifth floor overlooking Rogers Place. Here you can treat yourself to some exquisite, handcrafted cocktails and elevated bar snacks. Christmas markets are coming to Vancouver and what better way to embrace the holidays than with a staycation at the Civic Hotel, Autograph Collection, or the Westin Bayshore, and maybe get in a bit of holiday shopping while you’re at it? Or if you’re planning to be in Calgary over the holidays, you might want to check out the newly-renovated Delta Calgary Downtown and connect with friends over dinner and drinks at the Shoe & Canoe Public House restaurant to celebrate the season. No matter where you travel in Canada, you’re bound to find an experience to your liking that will make your stay even more personal and memorable. Leave more change in your pocket for holiday gifting by using points for your stays. Anne Papmehl

Get the best rates. Book directly through marriott.com or use the Marriott Bonvoy app to unlock the lowest rates. Guaranteed.

More Ways to Redeem Your Rewards Points Marriott Bonvoy lets members redeem points for more than hotel stays and travel activities. With such flexibility, you can even use your points toward holiday shopping: Holiday Gifts

Redeem your points to buy merchandise like fashion, electronics, cookware, and more from many of your favourite brands — like Samsung, Panasonic, KitchenAid, Cuisinart, and Michael Kors. How about a new acoustic or electric guitar, keyboard, or drum set from Yamaha for that musical someone in your life? Or let your points lead to some family fun with a new Asmodee board or card game — a perfect activity around the holiday table.

Charitable Donations

You can make your points do some good by donating them to one of Marriott’s charity partners like the Prince’s Trust Canada (see giving.marriott.com).

Gift Cards

Not sure what gift to get that special someone? Then a gift card from one of Marriott Bonvoy’s affiliates might be just the thing. Whatever you choose, Marriott Bonvoy lets members redeem the way that works best for them.

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EXPLORE MORE Meet Marriott Bonvoy,™ the travel program offering endless experiences at more than 7,000 hotels worldwide. Members earn points towards free nights and get exclusive benefits like free Wi-Fi, the lowest rates and Mobile Check-In. Become a member at marriottbonvoy.com.

Moraine Lake, Banff National Park, Alberta

EMBRACE THE SURROUNDINGS From stunning mountain resorts to sophisticated city retreats, we invite you to linger longer at our luxury hotels across Canada. Reserve now to save 15% on three nights or 20% on four or more nights for stays until January 31, 2020. Visit marriottcanada.com/luxury.

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Escape to Vibrant Stratford This Holiday Season

nfamous for its arts and theatre scene, Stratford is a vibrant cultural centre located just two hours west of Toronto. While perhaps best known for its Shakespearean productions — the Stratford Festival is North America’s largest classical repertory theatre festival — this iconic city is proving to be a premier winter escape destination. Foodies can indulge in Stratford’s rich culinary scene by visiting its many restaurants, craft breweries, and bars. Those looking to get a real taste of the city can participate in culinary adventures like choc-

olate pairing, foraging for wild edibles, or learning how to infuse and blend local tea. To get into the holiday spirit, hit the Stratford Christmas Trail, where you can sip on a hot latte while browsing through a selection of curated, trendy gifts from 25 artisanal shops. “Highly anticipated, the Christmas Trail is the perfect reason to explore, enjoy, and re-discover Stratford during the holiday season,” says Lori DeGraw, Executive Director at Stratford Tourism. From Christmas markets to hands-on cooking classes, Stratford has unexpected

surprises for everyone on your list this holiday season. Melissa Vekil Plan your getaway at visitstratford.ca and share your adventures using #StratfordAlwaysOn.

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MEMBERSHIP IS FREE PLUS 1000 SUNCLUB BONUS POINTS Simply Register and Join Today • Enter Promo Code: FREE888 visit www.sunclubrewards.com • Call us toll free at (1-855-578-6258) *Full details at sunclubrewards.com. B.C. Reg.#69460 SunClub Travel & Rewards Some of our Travel Partners Include:

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More Rewards Seeks New Partners to Join Data-Led Loyalty Program

he 2017 Colloquy Loyalty Census reported memberships grew 35 percent from 2012 to 2016, to the tune of 175 million total members in Canada. Retail made up more than half the number, though coalition programs showed the fastest growth at 78 percent. There are now several programs, such as More Rewards, that include different retailers. To accommodate a greater consumer desire for personalization, the More Rewards program is entering a new phase in its history, introducing new ways for members to earn more personalized digital offers for their loyalty. Operating for over 25 years, it has navigated the shift from paper to plastic, and on to digital. What started out as a certificate program in the 1990s, it is now a powerful marketing platform with over 3.4 million members in Western Canada under its loyalty program delivering personalised offers.

Driving loyalty

“The cornerstone for the success of a coalition loyalty program is having a grocer as the anchor,” says Steve Allmen, Co-Founder and President of Loyalty & Co. Allmen believes members want to earn more and redeem faster, which is why programs that rewards points on a large number of what a customer spends have been popular with consumers. They are likely to collect and receive bigger and better rewards more consistently. Save-On-Foods has been the foundational partner of More Rewards, with over 80 percent of member transactions through the program. More retailers have since joined, including Petro-Canada, Panago Pizza, Aviva, and Coast Hotels, among others, amounting to 2,000 retail locations accepting More Rewards cards. All told, the program issued over 11 billion points in 2018 alone. “Consumers don’t want to carry 10 different loyalty cards, and only get a small amount of value from them,” says Dan Howe, President of More Rewards. “That’s why many brands can save money and get more engagement by partnering with More Rewards versus building their own program.” “We have invested in building a wide variety of redemption options for our customers including grocery products, travel, gift cards, and tickets,” says Howe. “We are in the ‘thank you’ business. Our goal is to excite

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our customers so that they’re so happy with their free rewards they’ll want to tell their friends and family about it.” Howe says the program is expanding its “emotional experiences,” like tickets to sporting events and travel. Its travel program allows members to book a trip with any combination of points and cash. “Most people think they deserve something if they’re giving up their data in exchange for their loyalty,” says Allmen. “And many members dream big, whether it’s a trip, hockey tickets — something for being part of a program that includes various retailers.”

Steve Allmen Co-Founder & President, Loyalty & Co.

Building partnerships

More Rewards uses member data to personalize offers and communication. Howe cites an example from Save-On-Foods, whereby customers receive a threshold offer tied to how much they’ve spent in stores through the retailer’s app. This means more meaningful incentives tied to individual consumers spend and higher return on marketing investment. “Our goal with partner expansion is to find great, like-minded brands that can help build value and grow the combined customer base,” he says. “We provide better technology and tools to drive loyalty with existing partners. The Data Management Platform (DMP) better segments and targets customers in digital media buying, and that’s a big strategy for More Rewards going forward.” He adds the “sweet spot” is looking at consumer habits to provide incentives to change them. One example could be someone buying diapers from Save-On-Foods, but not wipes. He feels offering bonus points, tailored to exactly what that person buys is the best incentive. Ted Kritsonis