The mortgage stress test rate has fallen once again. This is the third time since Covid-19 started. In this article we’ll look at what the mortgage stress test is, why does it matter and what the lower stress test rates means for you if you’re thinking of buying a home or your mortgage is coming…
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Understanding the pros and cons of debt consolidation is pivotal when reviewing your options. It’s indeed a tough situation to get saddled with debts. There’s always the anxiety every time the repayment schedule is coming. If you fail to make payments on time, there’s the chance of getting a low credit score that can mess…
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In this article we’ll review what a childcare subsidy is and how it works. Figuring out how the child care subsidies work in your province isn’t always easy. The rules can be confusing and difficult to interpret. That’s why we’ve done our best to outline the child care subsidies available in some of the provinces throughout…
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Do you rely on payday loans? The Coronavirus pandemic has been tough for a lot of Canadians, especially the most vulnerable. If you don’t qualify for the Canada Emergency Response Benefit (CERB), you could find yourself relying on payday loans to survive. In this article we’ll look at what are payday loans. We’ll also look…
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COVID affects your credit score clearly if you depend on it during the pandemic without a job. The majority of Canada is in phase three of the reopening of the economy in the midst of COVID-19 (coronavirus). With large parts of the economy opening up, we’re getting back to normal. That being said, there are…
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The lowest debt consolidation rates in history may be available right now. Do you have multiple balances on credit cards or loans at high-interest rates? You could be saving yourself money and freeing up your cash flow by consolidating your debts. Consolidating your debts has never made more sense than it has right now at…
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The younger you are, the harder it can be to imagine what retirement is going to look like. For some, retirement age is 40 or more years away. The earlier you start retirement savings, the more likely you are to have a successful retirement. It can be filled with all the things you want to…
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Co-signing a loan sounds like a great way to help someone in need. Usually, a friend or family member needs a loan or some other type of security guarantee. Perhaps it’s for school, a car, or an emergency payment for home repairs or medical expenses. Qualifying for a loan on their own is impossible, most…
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Credit card balance transfers may be a good alternative to many other debt relief options. If you’re currently stuck in credit card debt and feel like you just can’t move on because of interest charges, you may be wondering what you can do to settle it. It can be tough to climb out, especially if…
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You might be considering payday loans if you’re struggling to pay your bills each month. In fact, these loans can be extremely dangerous if you’re unaware of how they work. Below are three reasons why you should not consider a payday loan unless there are no other options available to you. What is a payday…
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