Is there a housing crisis brewing in Canada? With eviction moratoriums and mortgage payment deferrals having already expired for 2020, it’s possible many Canadians still suffering from COVID-related layoffs may have trouble paying for a place to live. We spoke to six housing experts across Canada for their thoughts on what homeowners and renters can…
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It’s crucial to know what a good credit score is if you’re building or maintaining healthy credit. If your credit score is good, you have higher chances of getting a lender’s approval for your loan or credit card application. It also qualifies you for favourable interest rates and terms. The question is: what makes a…
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Hiring a tax resolution firm can help you if you have tax issues. It’s indeed intimidating to receive phone calls from the Canada Revenue Agency about your taxes. The CRA has powers to levy fines or put a tax delinquent in prison for failing to pay taxes. From 2012 to 2017, there are already 408…
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According to 75% of mobile experts in Canada, mobile security and privacy are among the top concerns today, especially when people use mobile banking apps for money transactions. A lot of money apps can access highly sensitive personal information, such as your location, bank transactions, and banking details. If you fail to make your device…
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Teaching financial literacy is important. And it’s wrong to think that financial literacy should only be taught exclusively to adults. Teaching kids financial literacy is also crucial because it allows them to know the importance of money and in making the right financial decisions in the future. In light of the ever-expanding consumer debt in…
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Sharing financial data is a common practice for companies and institutions offering financial services. That’s why there are some things you should consider when sharing your financial data. Organisations share pieces of information from your credit cards, loans, bank accounts, and other financial accounts. They are crucial to support various types of functions, such as:…
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A debt free financial life is requires you to pay off your credit card debt. It’s a dream for everyone. Not only in Canada, but in all parts of the world. You feel good when you know you don’t owe anyone money. Yet this is a difficult position to attain in today’s challenging life. In…
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Today you can get a 5-year fixed-rate mortgage for under 3 per cent and a secured line of credit for as little as 3 per cent, so why are credit card interest rates still so outrageous? With a typical interest rate of 18 per cent, credit cards are one of the most expensive forms of…
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Do you understand the credit card agreement you’re getting into before you sign up? A lot of people see their credit card as a license to spend. However, a credit card comes with a lot of responsibility. You should strive to always pay off your balance in full and never incur interest charges. You can…
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November is Financial Literacy Month in Canada. This year is the 10th anniversary of this initiative. Various non-profit organizations and community groups partner with the Financial Consumer Agency of Canada (FCAC). In this effort, they all encourage Canadians to improve their financial well-being. Throughout the month, there are national events to educate the public about…
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