Category: Something to Think About
Debt Slavery in Canada

Debt slavery is a real thing. Debt has quite literally taken over the Canadian economy, with most consumers unable to make it through a month without resorting to the use of debt to make up for the shortfall in living costs left by declining incomes and growing inflation.
Read moreMore Debt is NOT the answer

More debt is not the answer, when the government is offering you more debt or some form of self-liquidation you should be looking for alternative solutions.
Read more1979 – 2024 cost of living

between 1979-2024 the cost of living has changed dramatically – and unfortunately in the wrong direction.
Read moreHousing – What are the Pundits saying?

What are the pundits saying about Canada’s housing market, who do you listen to, and what data do you consider?
Read moreDebt and Lifestyle

Debt and lifestyle are of course very closely related, the more debt you have to repay the more negative the impact of debt on your lifestyle, or so we might think. But what if you never had to actually repay the debt, what if instead you cold keep growing the debt, using new debt to […]
Read moreSCAMS – Gullible, Hopeful or Desperate?

Scams, one must wonder if people are gullible, hopeful or desperate to finally achieve some level of success in life. I use the term “finally” because the victims are usually middle aged or older. There could be other reasons as well such as resources – older people are more established and are more likely to […]
Read moreBuying a home is not a great idea

Buying a home is not a great idea for a whole bunch of reasons. Most people are socially hard wired to believe that buying a home increases their wealth, in fact it is the opposite – buying a home increases someone else’s wealth. Buying a home drains the purchasers finances and makes them more financially […]
Read moreGo Bankrupt, or keep paying the Mortgage?

Should you go bankrupt or keep paying the mortgage? You must understand that going bankrupt is not only about your past or even you present, but it will also affect your future. A well timed bankruptcy can save you hundreds of thousand of dollars.
Read moreCanada Obsessed with Debt

Canadians are obsessed with debt for good reason, the country is economically in a mess, with only about 10% of income earners being able to afford without access to some form of debt.
Read moreThe Illusion of Wealth

The illusion of wealth is an important feel-good for individuals, governments and banks, all for different reasons.
Read moreRates, Prices, and Wages

Change your focus, shift your priorities for home ownership. Rates, Prices and Wages are in reverse order, currently rates remain at an historic low, prices are far too high and wages way to low.
Read moreBank Issued Credit Cards.

Bank Issued Credit Cards are expensive and one of the most damaging aspects of the Canadian Consumer economy!
Read moreThe Changing face of Debt in Canada

Debt in Canada has outgrown all domestic production, Canadians now have about five times (5X) as much debt as they do income.
Read moreHOUSE PRICING:

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.
Read moreDEATH AND TAXES:

Death and taxes, so cliche, yet so appropriate when talking about Canada’s economy.
Read moreTHE PROBLEM WITH YOUR INCOME:

Income is an often overlooked economic 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.
Read moreHousing Costs

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

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.
Read moreSurplus, what Surplus?

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.
Read moreEveryday Financial Risks

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