Blog

It Is Still Possible For Self Employed

I was recently asked how are 'Business For Self' people going to be able to qualify for a mortgage under the new financing rules.  If you have to prove that you can service the mortgage from your income but do not declare all your income due to the offset of expenses...

read more

Bequeathing Money To Family Out Of Country

This is a very complicated topic but one that needs consideration if you intend to bequeath money to anyone overseas or in the USA. You also need to plan your estate knowing that possibly a family member may one day relocate to another county or the USA. It is very...

read more

Do You Know Your Why?

Do you ever ask yourself why you selected the business you are in or why you are employed by a particular employer in a particular industry?  I have asked myself this question on many occasions and a few months back, finally got an answer!  When I was employed with...

read more

Should You Take Equity From Your Home?

We all come to a point in our lives when we may need to refinance our mortgage to invest in a major purchase, home renovation, investment, emergency or consolidate outstanding debts.  The interest rates on mortgages are much less than borrowing via another vehicle....

read more

Pros & Cons Of Reverse Mortgages

I receive a number of enquiries about Reverse Mortgages and the question is always “is this a good product for someone in retirement?”  Personally, I am not a big fan of Reverse Mortgages but here are the pros and cons to consider. What is a Reverse Mortgage?  A...

read more

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....

read more

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...

read more

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...

read more

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...

read more

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...

read more