Category: Something to Think About

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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Tipping – how do you feel about it?

Jars filled with cut up credit cards
September 21, 2022

Tipping is a controversial topic for many folks. One might wonder “did I tip enough?” – if that is you, perhaps it’s time to think about tipping more thoroughly, after all it’s your money.

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Scams – that can cost you money

Tom Locke - Insolvency Trustee in London, Ontario
August 25, 2022

Scams can be very clever and convincing, most have some tell tale signs they may not be all they are cracked up to be. Scams can cost victims a lot of money and embarrassment.

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Small Business Solutions

people jumping at sunset
August 23, 2022

Many small businesses suffered greatly during the last three years – now it’s time to dig out of the debt and improve cash flow.

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Viable Proposal – scenarios

Locke Consulting sign
June 30, 2022

Proposals are not all formula driven, although we see all kinds of advertisements suggesting you will only need to repay 20% of your debts – there is a great deal of variability.

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Who goes Bankrupt:

Locke Consulting Logo
May 27, 2022

Unfortunately, there are still many untrue stereotypes around who goes bankrupt. Rather than being concerned with who goes bankrupt we should be more concerned with “why” they went bankrupt.

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Credit Counselling

Locke Consulting sign
May 26, 2022

I started my career in Credit Counselling, since then – it has experienced many changes, perhaps the best are yet to come.

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Imagine No HST – just musing, don’t get excited

Tom Locke - Insolvency Trustee in London, Ontario
March 21, 2022

Canadians feel the weight of taxes every single day, the HST is a tax the Liberal goverment had at one time promised to eliminate

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Do This Now

Tom Locke - Insolvency Trustee in London, Ontario
March 18, 2022

The time to deal with your debt is at hand, if you do not deal with your debt yourself, your debt may deal with you and it could be even worse.

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The Changing Face of Insolvency

Tom Locke - Insolvency Trustee in London, Ontario
March 10, 2022

From the Bankruptcy Act of 1919 to the Bankruptcy & Insolvency Act of 2022 insolvency has changed and so has our knowledge and understand of the laws that guide the process. We are up to date so you don’t need to be – call 519-626-2222

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It is Time to Slow Down

Locke Consulting sign
February 13, 2022

Canadians are carrying far more debt than many realize – it is time to slow down, stop wasteful spending and take the time it takes to move forward with life.

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Being a Millionaire

A five million Mark bill from 1930's Germany
November 25, 2021

Being a millionaire doesn’t mean what it used to.

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Use it to Build it!

Jars filled with cut up credit cards
November 22, 2021

To get your credit score up you must use credit, having credit and not using it does little to build a history.

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The Corporate Paradox

Tom Locke - Insolvency Trustee in London, Ontario
November 11, 2021

Corporations have some benefits and some drawbacks, briefly descirbed in this blog. Assigning a small, closely held corporation can, at times, be unnecessary and costly.

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Election Results – What Now?

Locke Consulting sign
September 22, 2021

The election solved nothing for Canadians, a few seats were shuffled, but things remain substantially the same.

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Residential Capital Gains Tax

September 10, 2021

The government has proposed a residential home sales capital gains tax. How would that impact you and your family?

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Vote – it is more than a “right”

Tom Locke - Insolvency Trustee in London, Ontario
September 8, 2021

Canadians are facing a pivotal and challenging election, the political divide is wide but it is imperative we come together and get this right. Get out and vote!

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Residential Capital Gains

Jars with credit cards
August 27, 2021

There has been a lot of buzz in the media about the proposed capital gains tax on primary residences.

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Low Interest – Get Ahead

Man walking down street
August 24, 2021

Canada, both as a nation and as a people is in a debt crisis. Debt is being shuffled around instead of resolved, this blog speaks to part of the problem.

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Budgeting – Tips and Tricks

July 20, 2021

Are you and your family struggling to make it through each month? Here are a few simple tips and tricks to help you get on the right track and stay there.

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