519-646-2222Category: Something to Think About
Insolvencies are Increasing.
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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Save your Home – what you need to know!
Canada’s first choice for debt solutions, a proposal, can help you save your home while managing debt.
Read moreDo the Maths
Wallowing in Debt
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,.
Read moreCredit Cards – pros and cons
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.
Read moreImprove Your Credit Rating.
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.
Read moreAmazon – Caveat Emptor (Buyer Beware)
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.
Read moreRe-regulate Banks.
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?
Read moreInterest Rates – again
Interest rates, depending who you listen to, are likely to continue to rise before settling back to historical averages.
Read moreTransferring Property – on the eve of insolvency
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.
Read moreFollow the Money – why debt is a way of life.
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.
Read moreChanges – for Credit Card Users
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.
Read moreTipping – how do you feel about it?
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.
Read moreScams – that can cost you money
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.
Read moreSmall Business Solutions
Many small businesses suffered greatly during the last three years – now it’s time to dig out of the debt and improve cash flow.
Read moreViable Proposal – scenarios
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.
Read moreWho goes Bankrupt:
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.
Read moreCredit Counselling
I started my career in Credit Counselling, since then – it has experienced many changes, perhaps the best are yet to come.
Read moreImagine No HST – just musing, don’t get excited
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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