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Real estate bidding wars

November 6, 2018

Real estate bidding wars have become the new normal, well relatively new.  Realtors’ practices have changed and evolved over the years.  It used to be that a house would be priced close to the expected final sale price and if the Realtor had done his or her homework the deal would usually close within 10% […]

How Much Debt is too Much?

November 2, 2018

Just how much debt is too much?  You’ll surely know when you start to pay it back. Currently, Canadian Chartered Banks have no expectation that you will ever repay your debts, in fact they want you to remain in state of perpetual debt.  We have blogged about the effect of making only minimum monthly payments […]

October 24, 2018

The headline reads “the world of easy money transformed Canada into debt nation”.  But that isn’t exactly true – it is the world of irresponsible banking that made it appear we have easy money.  We’ve said it before, Canadian chartered banks issue credit cards on repayment terms that extend over hundreds of years.  That is […]

October 15, 2018

How frustrating is  It is your source for whatever you want, you can find supportive views and you can find negative oppositional political (particularly) rhetoric all over What’s your poison?  If you are a little leftish leaning you can find like minds, if you lean to the right you can also find like […]

Separate Before Bankruptcy

October 4, 2018

It is important to separate before bankruptcy, just to make sure you get your ducks lined up properly.  Here’s the logic, if you are facing the possibility of an equalization claim from your spouse for assets that are otherwise exempt from seizure by your creditors you may find bankruptcy helps you keep them. Let’s say […]

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