Category: Something to Think About

HOUSE PRICING:

becoming debt free is only the first step
February 9, 2024

There are many factors that drive house pricing, and a multitude of market conditions, some of which have been very unusual in recent years. Join the conversation, let us know what you think.

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DEATH AND TAXES:

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January 25, 2024

Death and taxes, so cliche, yet so appropriate when talking about Canada’s economy.

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THE PROBLEM WITH YOUR INCOME:

Lock Consulting.- Best Business of 2024
January 24, 2024

Income is an often overlooked econmic problem in Canada, people have become so accustomed to using credit to bridge the gap between inflation and their income that they simply accept the status quo.

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Housing Costs

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December 15, 2023

Housing costs have dropped slightly in the home sales sector but remain high in rental markets. Meanwhile incomes are continuing to trend downwards.

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Insolvency Rates Rebound

becoming debt free is only the first step
November 8, 2023

The economy is in a mess, insolvency rates rebound allowing people to find relief from overwhelming debt levels. Call us today at 519-646-2222 for your free consultation.

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Surplus, what Surplus?

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October 19, 2023

Surplus what surplus? If you are bankrupt and have been assessed for surplus income, and you can’t afford to pay it, do not dispair you have alternative possibilities.

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Everyday Financial Risks

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October 18, 2023

Prepare to face your everyday financial risks, whether they involve leverage or reach, discuss your options and explore alternative ideas.

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Insolvencies are Increasing.

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July 24, 2023

After three years of highly impactful reckless lending, insolvency rates are starting to return to normal filing levels. We anticipate a slight uptick in the new year.

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Compare Debt Solutions

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July 6, 2023

Use this blog article as a guidline to compare debt solutions.

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Save your Home – what you need to know!

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July 4, 2023

Canada’s first choice for debt solutions, a proposal, can help you save your home while managing debt.

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Do the Maths

Tom Locke - Insolvency Trustee in London, Ontario
June 27, 2023

The data speaks volumes – just Do the Maths and draw your own conclusions.

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Wallowing in Debt

Tom Locke - Insolvency Trustee in London, Ontario
June 7, 2023

Liek it or not you are wallowing in debt, consumer debt and anational debt, it is getting to be extremely challenging to live without debt,.

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Credit Cards – pros and cons

Credit cards
March 30, 2023

Credit cards are the meat and potatoes of the insolvency industry, if they did not proliferate our economy LITs would have far less work. Read on for a discussion of the pros and cons of credit cards.

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Improve Your Credit Rating.

Billie-Jo, Estate Manager at Locke Consulting, London, Ontario
February 1, 2023

Whether or not you have filed an insolvency proceeding you may find some useful tips, in this blog, to help you manage your credit ratting.

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Amazon – Caveat Emptor (Buyer Beware)

Jars with credit cards
December 30, 2022

Amazon is a very easy place to spend money, it contributes some jobs to the local economy, but little else, it also dehumanizes and commoditizes us all, taking away the pleasure of human contact when searching for the perfect gift, etc.

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Re-regulate Banks.

Tom Locke
December 11, 2022

Our current mortgage crisis presents viable options for the Government to reregulate banks in a way that will benefit consumers – but will they do the right thing or return to business as usual?

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Interest Rates – again

we like helping people
December 5, 2022

Interest rates, depending who you listen to, are likely to continue to rise before settling back to historical averages.

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Transferring Property – on the eve of insolvency

Transfering property
October 24, 2022

Transferring property on the even of filing an insolvency is something that should be done, if at all, following a consultation with your LIT. Transfers can be overturned or there can be other consequences.

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Follow the Money – why debt is a way of life.

Jars filled with cut up credit cards
October 20, 2022

Follow the moeny they said, but what money? There really isn’t much money in circulation, which is why Canadians are so dependent on credit.

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Changes – for Credit Card Users

Jars with credit cards
October 18, 2022

Changes to credit cards are in the wind, some of the changes are good for consumers some are inhibitive, pick your poison. Overall, the changes seem to favour bank lending over alternative lenders.

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