Blog

How To Stop Those Nasty Collection Calls

I have never personally experienced those nasty calls from Collection Agencies however many of my clients have and I have heard of the verbal abuse they have been subjected to. It is plain wrong, there is no reason you should have to listen to that type of abuse....

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Staying Positive In Challenging Times

I read a business associates’ blog the other day and it really spoke to me and was a great reminder that positivity brings positivity and vice versa.  Therefore, I am guest blogging a section of Louise Veres post.  For the full post, go to website below. I recently...

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What Is The Difference?

Borrowing money to enhance your personal wealth or education constitutes good debt or “constructive debt”. A mortgage, RRSP loans and student loans fall into this category. This type of debt enhances your lifestyle and career satisfaction. Almost anyone can get a...

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The Stigma Attached To 2nd Mortgages

I had a very interesting conversation with a client. She happened to overhear 2 people at work openly discussing obtaining a 2nd mortgage. She was telling me that as a child, she remembered her parents discussing friends that had to get 2nd mortgages and her parents...

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What About Your Banking?

Over the past 6 months, I have had a number of clients referred that are just too busy or overwhelmed with taking care of their day to day finances.  Generally speaking, they don’t understand the banking system or how to set up systems to take care of their bill...

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Pre-Qualified or Pre-Approval?

With the spring housing market heating up, you may want to make an offer on a house without a condition on financing.  I wanted to clarify how to receive a valid Pre-Approval.  I have had 2 referrals lately that told me that they had been pre-approved for their...

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Boost Your Results, Reduce Your Hours

In his book Extreme Productivity:  Boost Your Results, Reduce Your Hours author Robert Pozen reveals his secrets and strategies for productivity and high performance, focusing on results produced rather than simply hours worked. Pozen lays out 6 steps to analyze...

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10 Tips To Help You Get Out Of Debt

Income inequality is the great domestic crisis facing Western society.  There is a huge gap between rich and poor and the strains on our middle class.  The weakening of the 1950s-70s social contract between employer and employee, by which workers were rewarded with...

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Which Debt Should You Eliminate First!

It has always been a dilemma of whether you should use any excess cash to contribute to your RRSP or pay down your mortgage.  The current economic equation has recently tilted in favour of paying down debts vs. building up assets.  The current interest earned from...

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Mortgages From Alternative Lenders

You have been turned down by your bank for mortgage financing, is there no other alternative?  What are you supposed to do?  Not consolidate your debts or complete your renovations or purchase that investment property or cottage?  Not to be concerned, there are other...

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