This worked for me, depending on your court system it might also work for you. The first thing I did was to plead “not guily”, that gave me 3 months before there was an official court hearing. When I arrived at court, I noticed there was about 30 cases on the docket for that day, […]

Here’s a nice mortgage amortization calculator, very simplistic and easy to use, can be in Canadian or U.S. dollars. It gives you the numbers fast and enables you to highlight balance, principal and interest paid after each year.

Are you prepared for disaster ? One your most valuable asset is your home and the contents. You need to be insured before anything happens. You want to be able to quickly repair any damage and replace your valuable contents as soon as possible. Like any insurance, there are pitfalls to be aware of. Here […]

Not a pleasant topic, but a serious subject if your a credit seeker. Protecting your credit rating is a personal thing. There will come a day when you will regret poor credit behaviour. Late payments, return cheques, over limit spending, too many credit cards or over extended credit to asset ratio, it all adds up. […]

So your 50 years old and have little or no savings for retirement. Not an unfamiliar situation for the baby boomers. What do you do now ? Well, according to most financial gurus, it’s not too late. You might have to get extremely aggressive and learn to live with less, but, there is hope. You […]

It’s a very personal decision. The lowest cost answer is lease, but, there are several advantages to owning your car. The most expensive personal ownership that depreciates is your car, unless, you have antiques that can appreciate tremondously over decades. There are several key questions that need answers, the attached link is a quick reference […]

Now that summer is officially here, consumer costs will skyrocket with the added use of air conditioning. This is a major contributor to energy usage for all consumers. Energy Services companies are compelling us to conserve energy so that we do not exceed territory thresholds of supply. We can all contribute by using electricity in […]

You can always learn simple examples from someone on how to save money, short or long term, savings account or retirement investments. This thinking should start early, but it’s never too late to save. You don’t have to follow anyones lead or do everything they say, but you might want to try something different. Cutting back […]

Escalating inflation and interest rates are prime conversation topics these days. The housing market is worried that increasing costs could slow down the massive growth of new home construction. If you have already purchased a home and not locked in rates, or are worried with retirement closing in and a mortgage still outstanding, check out […]

Good times, bad times who knows ? Prepare for your rainy day, it could come before your ready, then what. If your young, you figure it will never happen, job loss, laid off or ill health, not for me, someone else. Have an action plan and start now !   Some call it “Mad Money”, put […]