NEED TO KNOW: TAXES – FILING, REFUNDS AND TAX TIPS
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ADOPTION TAX CREDIT: WHAT THE GOP TAX BILL MEANS TO PARENTS
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2017 TAX NEW LAW REGULATIONS: PAYMENT GATEWAYS RULES
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PARADISE PAPERS: APPLE DEFENDS USE OF TAX HAVEN FOR OVERSEAS CASH
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WHO’S AFFECTED BY THE MORTGAGE CHANGES IN THE HOUSE TAX BILL
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TAX PLAN STATE OF PLAY: THE BIG BILL REVEAL POLITICS
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Here is how you can keep money in your pocket
Most of the time your wishes and your pocket are not in a compatible relationship. Despite good goals, and intensions, it becomes hard to follow through with them. Your brain often undercuts your efforts to save more. To save money one needs to develop motivation and control their impulses which is not easy but The following steps can help trick your mind into spending less and saving more Pay Yourself First The best way to save money is prioritizing paying yourself. You need to entitle a certain amount of your pay cheque as your pay. This amount can be...
Learn more about consumer rights and debt
the consumer rights are protected by many different acts. These acts are enforced by the Ministry of Government of Canada, by provinces, by Consumer Services and some by other organizations. In Canada, majority of consumer rights are set by the Consumer Protection Act (CPA) and other consumer protection legislation that cover the most common consumer transactions. What your debt collectors can no do charge you any fees pressure or harass you contact you on a statutory holiday use threatening, profane, intimidating or coercive language contact...
Tips for celebrating an occasion without adding on debt
Here are some ways to celebrate a meaningful life event without spending money. Not all of these are going to work for every event, so pick the option that would suit your needs. Spend time instead of money Spend time with the people you want to celebrate sharing stories at home. This is a great way to celebrate an occasion with parents or grandparents. Quite often, the thing that your parents and grandparents want the most is to spend some time with you. they just want to know about your life, and be a part of it. This gift is simple and easy. Just plan to spend a...
Where to turn for help when you hit debt rock bottom!
A new survey done by the by Angus Reid (survey of 1,510 Canadians), depicts a depressing picture. While majority of Canadians are able to identify the warning signs of reaching debt rock bottom such as borrowing money between paycheques, going over credit limits, and getting calls from creditors. However, nearly 4 out of 10 Canadians have no idea where and who to turn to under such circumstances. The study shows consumers’ issues to access the trusted debt help resources available throughout the country. Majority of people when struck with such situation would get...
Drowning in debt. Here is the best way to take care of it
Are you or someone you know drowning in debt and don’t know how to get rid of it? This can happen to anyone in any circumstances. One day everything is okay and the next thing you know you or your partner is let go off. A tragedy took away your savings or your future plan collapses. It is much similar to pandemic, it happens suddenly and there’s no way to get away from it. Much like the pandemic it stays there until you start taking precautions and try to move along with it. Many people in debt have a hard time knowing that they are reaching rock bottom. There’s a...
Read this if you are worried about the size of your debt!
We on average are as scared of debt as we are afraid of death. In fact, most Canadians are more afraid of debt than they are of climate change. It is quite reasonable to be so after all the things we see happen to people, joblessness and homelessness is all time high in this decade. On average, nearly 75% Canadians have some type of outstanding debt or used a payday loan at some point over the past 12 months. Almost one third (31%) believe they have too much debt. If you are struggling with the size of your debt you can take these steps Budgeting It is critical...
Relationship between Debt and Mental Health
In the last several decades, it's getting easier for people to take loan for their personal and professional needs. The growth of the credit market and the rising lenders in the market made lending an industry in the financial sector. Moreover, for many households, the sum of their annual income is lesser than their total debt. Debt seems to have a particular psychological effect on an individual’s mental health that often goes disregarded. Additionally, debt is becoming inevitable in current age and it is considered an integral part of the financial reality of so many...
How are credit scored calculated? And what factors reduce or impacts the credit score?
The main motive of credit score is to help financial risk managers and lenders make fair decisions on whether or not to “take a risk” of giving loan to someone. Credit scores is the financial tool that is designed to predict the likelihood that individuals will pay their bills as agreed. Credit scores are only one of the several tools used to determine the reliability and credit standing of a person. Payment history, the amount of credit you’re using, and the length of your credit history are the major factors considered in calculating your credit scores. The Main...
Everything You Need To Know About Credit Scores
What is a Credit Score? A credit score is a three digit varying number from 300 to 900 that represents an individual’s reliability and creditworthiness. When you borrow money from a creditor, certain information regarding your credit is shared with a credit bureau. All the information related to your credit, such as whether you’ve paid your bills on time, whether you’ve missed any payment, and how much debt you have outstanding, will get shared with the credit bureau. All the information will then be recorded in your credit report. A credit report is used to...
Factors that Determine Your Mortgage
Generally lenders set a standard rate, which is also called the standard variable rate of interest. As the name suggests, it’s the common rate that is offered to mortgage customers. However, lenders often offer a variety of discounts on the standard variable rate depending upon the borrower’s case of ideality. These factors help a borrower determine several phases like if they have any chance of being approved, or why they might rejected. Being aware of the factors determining your mortgage rate may help to place yourself as an ideal borrower in the eyes of the lender...
Getting Preapproved for a Mortgage
If you’re looking for home the most important step to take at this stage is to get preapproved for mortgage. You’d have to consult a lender and obtain a pre-approval letter that gives the opportunity to discuss loan and budgeting with the lender. This step plays a vital role in your house-hunting budget and the affordability of your monthly mortgage payment Pre-Approval Examines your Finances Physically Before lenders take a decision to pre-approve you for a mortgage, they will look at several key factors: Your credit history Credit score ...
How Does Mortgage Application Process Work
The mortgage loan process can seem daunting and intimidating, especially for the first time home buyer. Fortunately, you don’t have to do it alone. Your real estate agent and mortgage loan officer will help you in the process. But it important to know what’s coming at each stage of the process, so you can get yourself prepared to ask the right questions and make good decisions. Here are the steps involved in the mortgage application process: Estimate your budget It’s important to take few steps before commencing the mortgage loan process. It’s...