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Category: Tips for Money Management

Saving Money

November 22, 2018

Many books have been written on how to save money and how to get rich quick, yet there are relatively few millionaires running around in attestation to the efficacy of these schemes.   Generally, the notion is always the same, “pay yourself first” they say.  Some authors prescribe a savings value based on percentages of income, […]

Challenging Mortgages

August 17, 2018

The stakes have changed in the world of mortgages, qualifying rules are more challenging, and an increasing number of consumers are being forced to apply for second tier and non-conventional mortgages.  Non-conventional mortgages can be very risky propositions for borrowers.  Shady characters can be found in every profession, some play very close to the line […]

Private Mortgage Regulations

August 9, 2018

After being declined by an institutional lender, you might ask yourself. “are there any such things as private mortgage regulations?” – the answer is “yes, well sort of”.  Private mortgages must comply with certain federal legislation such as the Interest Act and provincial statutes such as the Mortgages Act and the Mortgage Brokers, Lenders and […]

Leave Debt Behind

August 8, 2018

You can leave debt behind, and you really should leave debt behind… After you have filed a proposal or bankruptcy and become debt free it is a good idea to rebuild you credit rating and we can help you with that. But it is still a good idea to leave debt behind, way behind. Life […]

CMHC Insurance

July 18, 2018

The cost of paying CMHC insurance (or similar private insurance) is very high and one that consumers should be properly advised on and educated about. The CMHC was formed in 1946 with a mandate to help provide housing for returning WWII veterans. Its mandate has subsequently been expanded several times by successive governments. In 1954 […]