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Category Archives: Money Sense
Get Out of Debt with a Plan
We are reminded daily about Canadian’s rising debts, now reported to be over $1.63 for every dollar earned. Bank of Canada has been stressing their concerns about the rising debt levels at every opportunity, as they warn us that interest … Continue reading
RRSP and Tax Deadlines for 2013
As we approach the end of 2013, there are several deadlines to keep in mind: Age 71 RRSP Conversion. If you turned 71 in 2013, you have until December 31 to convert your RRSP to a retirement income vehicle, such … Continue reading
Posted in Money Sense, Uncategorized
Tagged 2013 tax year, RSP Contribuiton deadline, Tax deadlines
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Finances: Getting It Right!
I love Suze Orman! Besides being a great speaker, I love that she shifted gears when it needed to get done. After the USA crisis, she changed her presentations and told Americans that they needed to get back to basics. … Continue reading
Kids and Money!
Summer holidays are almost over and it’s back to school for kids next week! Hard to believe we have enjoyed another fabulous summer on the West Coast! (I choose to remember only the beautiful, sunny days, lol). In the spirit … Continue reading
Budget 101
In terms of mortgage planning, budgeting is a very important factor in establishing a strategy and executing it successfully. However, it seems to be one of those tasks that no enjoys and some even go to extremes to avoid. Luckily … Continue reading
First Time Home Buyers Tax Credit & More!
Tax time means reporting every possible tax credit so you can save money! Direct from Canada Revenue Agency website, here is the ruling regarding Line 369, Home Buyer’s amount: You can claim an amount of $5,000 for the purchase of a … Continue reading
What to do with that Tax Refund!
We’ve all been there before: you realize you’re getting back a huge tax refund, and the first thing you do is start thinking about is that new expensive toy you could buy with the money ( Hello iPad 3!), or … Continue reading
Posted in Money Sense, Uncategorized
Tagged financial goals, get out of debt sooner, tax, tax refund, taxes
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Wise Tips to Protect Your Identification and Credit Information
I received this recently from a friend, titled Attorney’s advice. I don’t know who the author is but the advice is worth following up on. Do not sign the back of your credit cards. Instead, put ‘PHOTO ID REQUIRED.’ When … Continue reading
Posted in Money Sense, Tips
Tagged Credit cards, Equifax, Experian, indentification, photo id, SIN, stolen id, Trans Union, travel
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When A 3-year Fixed Rate Makes More Cents
A 3 year fixed rate makes more CENTS than a 5 year fixed rate! Did you know on average a borrower breaks their mortgage in year 3 of a 5 year fixed rate term? Borrowers often find they need to … Continue reading
Posted in Education/Information, Interest Rates, Money Sense, Save money
Tagged 3 year fixed rate, 5 year fixed rate, amortization calculations, fixed rate mortgage, fixed rate mortgages, fixed term mortgage, interest rates, mortage interest rates, mortgage analyzer, mortgage broker, mortgages, year fixed rate mortgage
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Mortgages, Dollars & Sense 
What To Do With Market Commentary
For those of you following the financial and economic market reports to find ways of protecting you and your family, there can be a confusing mess of contradictions. Consumers trying to decide what action to take regarding their mortgage financing … Continue reading →