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An Introduction To The Canadian Credit System

Posted By  on Nov-27-2015
A credit score represents creditworthiness, or a person’s ability to repay their debts as promised. Having a high credit score is generally understood to be a good thing, as the score is often used as an important factor in deciding whether or not you will be approved for certain loans and the insurance rates available to you.  Read More

3 Things to Look For When Getting A New Credit...

Posted By  on Nov-20-2015
Not all credit card offer identical benefits and costs, but comparison shopping all of your choices can be time consuming. Unless there are drastic upcoming changes happening within the next few years of your life, you can gauge how your spending and repayment patterns will be by looking at your credit card statements in the past year.  Read More

How To Save For Emergencies

Posted By  on Nov-03-2015
Saving a large sum of money seems daunting, but it’s far less scary than facing a situation where you need to make emergency purchases and you don’t have many options. Everyone, no matter what their situation, is able to save some money, as long as there’s income.  Read More

Will My Bankruptcy Affect My Spouse?

Posted By  on Oct-23-2015
If you are married and need to claim bankruptcy, you may be concerned as to how your assignment into bankruptcy will affect your spouse. If your spouse is joint on a co-signed debt, then a creditor can legally pursue your spouse for repayment of that debt even if you file for bankruptcy.  Read More

7 Tips for Paying Off Student Loans

Posted By  on Oct-19-2015
The time that you spend as a student can be fun and exciting, but if you have borrowed a lot of money to get through school, the time comes when you must repay those loans. It is important to pay these off as fast as you can so they are not looming over your head and collecting interest for years into the future.  Read More

Renting vs. Buying a House: How to Know What you...

Posted By  on Oct-02-2015
When you plan to purchase a home, it is important to know what you can afford. In Canada, you need a minimum down payment of 5% to purchase a house. Some lenders will offer you a mortgage without a down payment, however if you have not been able to save money for a down payment, it could be an indication that you cannot afford to own a home.  Read More

Five Year Plan To Buy A House

Posted By  on Sep-21-2015
In North American culture, buying a house is considered one of the more remarkable things someone can do. It shows that a lender was impressed enough to give you a mortgage to fund this expensive asset, and that you were able to save enough money for a down payment. But, how do you manage to come up with a down payment to buy your dream home?  Read More
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