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Articles by Molly Wider

• Weekend Project Mobile Home Renovations that Could Save you Money
  If you're looking to remodel or upgrade your mobile home this summer, what better time than now. With so many renovation ideas out there, it can be overwhelming to pick which one is best for you. Whether you're seeking a large project or are looking to add a few simple environmental upgrades, just about anything you do will add improvement and value to your mobile home.
  Published 22Sep2010, viewed 191 times

• Is Medical Tourism Right for You?
  There was a time, not that long ago, when if someone was asked what the natural industry of a certain country was, the term 'medical tourism' barely existed and was not likely to be a part of the answer. However, the answer to that same question has changed drastically. With more and more people seeking plastic surgery and other medical procedures, going international to have these needs met has become increasingly popular.
  Published 19Sep2010, viewed 173 times

• Tips for Students Saving for School
  I would be lying if I said that my university years meant nothing to me. As difficult as they were, those years were a wonderful and very enlightening part of my life. Being a typical student, I spent five years in school, mostly on the government's dime, and then another six years paying the loan back. It was the first five years I mentioned that I found to be the most inspiring.
  Published 19Sep2010, viewed 148 times

• Cheaper Prices for Used Luxury Vehicles
  Across the border they have finally posted a small increase in retail sales, oddly enough, in the auto industry, as consumers seem to be reaching out for more practical items than department store trends. According to the Commerce Department, car dealerships in the United States have reported 0.4 per cent increase in sales for the month of July.
  Published 19Sep2010, viewed 233 times

• New HST to be Challenged
  Chief Justice Robert Bauman of the B.C. Supreme Court has made national headlines with his recent decision to challenge the new federal HST that was implemented on July 1 in both Ontario and in British Columbia. While this decision affects only British Columbia, many consider it a forward movement.
  Published 16Sep2010, viewed 166 times

• Jane Fonda Talks About Plastic Surgery
  Seventy three year old Jane Fonda recently spoke about the plastic surgery procedures she has gone through of late. Fonda, who absolutely does not look her age and is one of the most gorgeous seventy three year olds alive today, spoke to Entertainment Tonight revealing she had undergone cosmetic plastic surgery. In fact she revealed more on her blog where she admitted to having work done on her chin as well as on her neck.
  Published 16Sep2010, viewed 155 times

• Online Weight Loss Claim Scams Millions
  Late night infomercials can be entertaining and sometimes provide a great product or two that we enjoy. Shopping on late-night television or via the Internet however, always comes with a buyer beware. It is difficult to know when a company is being truthful about their product.
  Published 16Sep2010, viewed 178 times

• Possible Complications Post Plastic Surgery
  While the risks of plastic surgery usually depend on the type of procedure and its complexity, in this article, we examine some of the more common complications or unforeseen conditions that you may face once your cosmetic surgery is completed.
  Published 16Sep2010, viewed 215 times

• Advice for Saving on Post Secondary Education
  According to the Canadian Federation of Students, Ottawa's Canada Student Loans Program is now owed more than $13.5 billion in outstanding student loan debt. The Office of the Superintendent of Financial Institutions says that one in every five, or 20 per cent of students with a loan, will default by eventually becoming unable to repay their instalments. On average, students are now graduating $37,000 in debt.
  Published 15Sep2010, viewed 144 times

• Beauty Pageants and Plastic Surgery
  Recently during an interview, Miss Venezuela Marelisa Gibson, admitted to getting a nose job and said her country was quite obsessed with cosmetic surgery. Her exact quote given during an interview with celebrity news website Celestrellas was "Yes, I had a nose job. I wasn't sure about it first, but after the operation I was really happy with the result. Sometimes it's good to give natural beauty a little help."
  Published 15Sep2010, viewed 218 times

• More Than 400 Vehicles Stolen a Day
  If you've ever had your car stolen, you will no doubt understand the feeling of invasiveness that comes with the vehicle once it's been returned. The trick to avoiding a stolen car in the first place is proper storage and alarms.
  Published 12Sep2010, viewed 198 times

• Canadians to Receive an Average 3 Per Cent Pay Hike in 2011
  Good news for Canadians. A recent survey by Mercer Consulting Services announces that many Canadian companies believe the worst is over when it comes to the recession and the financial crisis in general. It is expected that on average, Canadians will see a pay increase of about 2.9 per cent in 2011.
  Published 10Sep2010, viewed 125 times

• What Comes to Your Mind When You Think of Plastic Surgery?
  One of the things that fascinate me the most is to talk to various people from around United States and Canada and find out what their thoughts are regarding the cosmetic plastic surgery industry. While those who are well informed about the industry or have gone through a few procedures themselves can talk at lengths about cosmetic enhancements and have some really interesting views, there are others who are quite clueless even now.
  Published 09Sep2010, viewed 138 times

• Pre Surgery Consultation with Your Plastic Surgeon
  The consultation sessions you go through with your plastic surgeon before any kind of cosmetic plastic surgery makes an incredible difference to the outcome of the cosmetic surgery you wish to undergo. In fact discussing the right points with your surgeon could be the difference between a safe cosmetic surgery and one which goes horribly wrong.
  Published 09Sep2010, viewed 130 times

• Celebrities Who Have Admitted to Plastic Surgery
  If you have undergone any kind of cosmetic plastic surgery, it is nothing to hide anymore. Cosmetic surgeries have become quite common and there is a huge change in attitude towards the industry. More and more patrons of the plastic surgery industry are openly talking about what kind of cosmetic enhancements they have undergone and are also open about future cosmetic surgery plans.
  Published 06Sep2010, viewed 148 times

• Take the 1 Year of Cheap Living Challenge
  Some of the ways you can save money may be more than most of us can manage-and may be more suited to the single life than if you're in a relationship or raising a family. Still, crazy cheap living is possible, if you're up for it. And a one-year stint of crazy cheap living could see you debt free at the end of it, and with a new respect for how to live well on next to nothing.
  Published 02Sep2010, viewed 144 times

• Liz Hurley Unhappy Over Breast Augmentation Reports
  Elizabeth Hurley has categorically stated on her twitter account that the recent breast augmentation reports about her were completely false and that she is happy to announce she is still a natural. The tweet was reported made due to reports coming out earlier in the week that she had undergone breast augmentation surgery after her photographs from her vacation in Spain were circulated.
  Published 30Aug2010, viewed 141 times

• Buying a Plot of Land for Mobile Homes
  Owning your own land is a dream for many people. Whether you are wanting to start a farm, invest for financial purposes or just have a sense of home security, buying land can be a very rewarding experience. If you're looking to buy several acres of land, then a bank loan will be your best bet. If you're in the market to purchase a small plot of land for a mobile home, but you have bad credit, then using a private lender may be the answer.
  Published 28Aug2010, viewed 140 times

• Owning a Car Does Not Have to Cost a Fortune
  Ahhhh, summer! Thoughts of sunny days and long weekends inspire road trips for many of us. Whether it's cranking up the music or putting the top down, owning a sporty new car during the summer can be a wonderful way to spend your free time. If you are looking for ways to save a little money this summer on vehicle costs, why not consider these suggestions.
  Published 28Aug2010, viewed 123 times

• Mobile Home Renovation Projects - Going Green
  Going green and keeping your home as economic as possible is very important with today's utility prices. There are many things you as a homeowner, can do to ensure a little more efficiency from the function of your home. Mobile / modular homes can be easily renovated to be even more efficient than a regular home. Here are a few suggestions:
  Published 28Aug2010, viewed 138 times

• How Many Ways Can You Say "Stop Spending!"
  It cannot be said too often that the way people get into financial hot water is because they have over spent. Too easy access to credit, failing to budget, not knowing how much they are really earning-or spending, has kept too many people in the red for far too long. So, here it is again, the Number One Rule to get your life back in the black. Print it out in big bold black letters and stick it to your fridge.
  Published 28Aug2010, viewed 117 times

• When Plastic Surgery Goes Wrong!
  Hundreds of thousands of cosmetic plastic surgery procedures are being performed each year in several countries such as the United States or Canada. While modern plastic surgery is quite safe and often provides the desired result, once in a while things do not go as per plan.
  Published 28Aug2010, viewed 111 times

• What Is a Thigh Lift?
  We have all heard about cosmetic plastic surgery procedures such as breast lift, facelift, eye lift etc. But not many have heard of the concept of a thigh lift although it has started to get quite popular in the past couple of years.
  Published 28Aug2010, viewed 135 times

• Ordinary People Making Substantial Investments
  We see it on the news almost every day. Someone somewhere invested one dollar and made a million. Okay, that may be a little exaggerated but the point is we often hear of such 'investments'.
  Published 28Aug2010, viewed 125 times

• How Parents can Save for Their Children's Education
  More than 93 per cent of parents want their children to have a post-secondary education. With the cost of tuition, books and living expenses rising by the month, planning years in advance for these inevitable years of school can alleviate the financial stress of leaving it to the last minute.
  Published 28Aug2010, viewed 124 times

• Starting Small, Investing Smart
  Learning how to do anything the smart way is beneficial, and when it comes to investing, this stands especially true. Many people have tried their hand at investing everything from stock and bonds to real estate and other such illiquid assets.
  Published 28Aug2010, viewed 133 times

• Has Paying With Cash Gone Out of Style?
  The new age of technology has seen most people use credit cards like they once used cash. Credit cards are common and are used for pretty much everything from everyday purchases such as groceries and haircuts to hotel reservations and Internet shopping.
  Published 27Aug2010, viewed 121 times

• New Technology, New Credit Scams
  Being warned of new credit scams is not really anything new, however, the way scammers are looking to steal both personal identification and your money, is. With so many warnings constantly hitting the internet, it almost seems better to just stay home and shop from there.
  Published 27Aug2010, viewed 123 times

• Financial Choices When you are Young Can Impact Your Retirement
  Retirement should mean having enough money saved so that one does not have to work any more for the rest of their lives. Images of traveling, frolicking on sandy beaches or gardening until your thumbs turn green is how most people define their retirement days. These things are definitely possible as long as you pay attention to the financial choices you make in your younger years.
  Published 27Aug2010, viewed 117 times

• Debt Consolidation and Your Finances
  Does debt consolidation sound scary to you? Don't let it. A debt consolidation just means that several places where you might have debt-say a line of credit and two credit cards-get rolled together so you only make one payment. Sound better? Debt consolidation can be a smart decision for a number of reasons.
  Published 26Aug2010, viewed 174 times

• Couples and Their Money
  Couples fight about lots of things, and according to a recent survey, they fight most about money. But they're not fighting about debt, even though Canadians are now deeper in debt doo-doo than ever before. What 86% of couples are fighting about is how they spend their money, according to a recent survey from Credit Canada and Capital One Canada.
  Published 26Aug2010, viewed 165 times

• Canadian Pension Plan Requires Improvement
  There was a recent eye-opening announcement from our American neighbours, that almost 3 million Americans have been forced to claim their retirement pensions earlier than expected. That means a few things when it comes to their financial security.
  Published 26Aug2010, viewed 134 times

• The Truth About Pensions
  There are several questions that seem to continually arise when it comes to talking about pensions. The first, and most crucial question is usually something along the lines of, "Will my working pension be enough for me to retire on?", followed by a few other closely related questions.
  Published 26Aug2010, viewed 131 times

• How the HST Affects Buying a Home
  There has been a lot of confusion about how the newly implemented HST affects the purchase of a new, or used home. Many realtors and brokers are pointing their finger at the HST factor for the recent drop in the real estate market. They say that many people simply do not understand what the HST means to them and they are under the impression that this new tax means a substantial increase in the cost of buying a house.
  Published 26Aug2010, viewed 140 times

• Young Entrepreneurial Lessons With Proven Success
  Starting a business to earn a little extra money is a great way to do what you enjoy while earning a few extra dollars to pay the bills. However, doing what you enjoy and having yourself become a billionaire from your entrepreneurial hobby is another story all together, but not completely impossible.
  Published 26Aug2010, viewed 145 times

• Top Vehicles for 2010
  Overall, it has been a great season for automakers and auto dealers alike as many are feeling the relief of a great comeback from the lows of the recession. If you are thinking of a new car or truck and are wondering what's making the list of top vehicles, here is a little help.
  Published 26Aug2010, viewed 174 times

• Think You're Grossly Underpaid?
  For many working people, we feel rather underpaid for the good job and services we provide. We have also tied our job-worth to what our employers pay us and feeling under appreciated is never a good thing. For those who are not feeling the financial love in their current career, here are a few optional jobs that pay pretty darn well.
  Published 26Aug2010, viewed 127 times

• A Royal Spendaholic: Fergie on the Brink of Bankruptcy
  Several months ago there were whispers that Fergie's personal accounts may be in the red. She has appeared on television claiming to be living a 'hard up' life as a single parent, even though her recent divorce settlement left her with more than $4 million, which has since dissipated into thin air.
  Published 25Aug2010, viewed 133 times

• Recession Proof Jobs
  A new career may just be what the doctor ordered or maybe it's just something on your wish list. Being stuck in an unhappy field of work can be stressful and can affect many different aspects of your life, both personal and professional. If you have been considering new options, or have had your job affected by the recent economic turmoil.
  Published 17Aug2010, viewed 146 times

• Creative Careers That Require Imagination
  If you are considering the possibility of a new career, getting paid to be creative is only one of the benefits to this list of great imaginative jobs.
  Published 17Aug2010, viewed 139 times

• How Much Time do You Have for a New Career
  The thought of training for a much-desired new career can be overwhelming to most. There are always money issues and time factors. If you have given some thought to branching out into a new field, this breakdown of careers, their annual salary and training time may be able to help make some decisions easier for you.
  Published 17Aug2010, viewed 135 times

• Managing Your Credit
  If you are new to the credit card game and are seeking some tips on how to use your new plastic wisely, there are a few basics that could keep you out of trouble. A credit card can be a very powerful and easy way to establish a good credit history. If mistreated, it can also be the tool that sends you sinking.
  Published 15Aug2010, viewed 138 times

• Safeguards for Shopping Online
  The benefits of online shopping are endless. No lines or crowds, no lost car in the parking lot. No bags to shuffle and carry from store to store and no running around looking for deals. The best part, however, is not having to leave your home, so it's no wonder Canadians spend billions of dollars each year on online shopping.
  Published 15Aug2010, viewed 139 times

• Top 5 Reasons to Apply for a Car Title Loan
  While traditional banks require good credit, an established account and often a co-signer, private lenders lend money based on collateral. For example, a car title loan will be granted based on the value of your owned vehicle.
  Published 14Aug2010, viewed 132 times

• Women Love Their Cars Too
  Whether you're a man seeking a car that can be a potential chick-magnet or if you're a woman looking for something cute, sporty and reliable, there has officially been a list put together of the top cars women love to drive. If you're interested, check out the list below, and men, just a note, there are no trucks on the list.
  Published 14Aug2010, viewed 180 times

• Home Sales and Home Values Drop in Same Month Across Nation
  House sales have dropped in Ontario and in British Columbia, which have some wondering if the HST isn't to blame. Brokers are claiming a staggering 46.7 per cent of their clients are still confused about how the HST affects homebuyers while an even higher 57.1 per cent of realtors say they get the same confused questions.
  Published 14Aug2010, viewed 129 times

• Online Back-to-School Shopping Attracts More Men than Women
  A new July 2010 poll put out by Visa Canada found that more men are shopping online than women. On average, men intend to spend about $151 on back-to-school items between now and Labor Day, where women figure they will spend around $78.
  Published 13Aug2010, viewed 115 times

• Millions Forced to Retire Early With Partial Benefits
  One of the most assaulting effects of the recession has been the number of 'almost there' retirees who have been forced to stop working earlier than planned. As the United States continues to deal with their economic uncertainty, many people in the older age brackets that hold 20 and 30 years worth of work experience remain jobless as their professional industries simply are not hiring.
  Published 13Aug2010, viewed 123 times

• Another Economic Decline Seen in the American Job Market
  The American labour market is still seeing a climb in unemployment rates as an additional 19,000 have caused the rates to increase twice in the last few weeks. The Labor Department has noted the increase saying that even though there may be signs of higher company profits, it's still not enough to initiate additional company hiring.
  Published 11Aug2010, viewed 136 times

• Canada's Health Care System Getting Facelift
  A recent call to overhaul Canada's health care system could soon see changes in the overall system. The Canadian Medical Association, Canada's largest group of doctors, have created a new framework that is aimed at improved quality of care with increased efficiency as well as being more focused around patients.
  Published 11Aug2010, viewed 148 times

• Getting a Loan Without a Credit Rating
  Is it possible to get a loan without a credit rating? Who will lend me money without a credit rating? If I can't get a loan, how can I get credit? These questions circle the minds of many people who would like to get a loan but are unsure how to go about the process since they've never done it.
  Published 11Aug2010, viewed 143 times

• Credit Score Dilemmas and Bad Habits
  We all know that bad financial habits will hurt us in the long run. Not keeping track of our spending, neglecting to take advantage of the new tax-free saving account or simply not fulfilling promises to top up our personal savings each month are only a few of the common errors we make. Although these particular bad habits may not be detrimental to our credit ratings, there are many other habits that are.
  Published 08Aug2010, viewed 181 times

• Reasons to Get a Bad Credit Loan
  If you have bad credit and think your borrowing-life is doomed, it simply is not so. With banks relying so heavily on credit scores and credit histories to determine your worthiness, it sometimes seems unfair, especially if your bad credit history is old or is the result of fraudulent use.
  Published 08Aug2010, viewed 143 times

• Canada's Economic Recovery Slowing
  A recent economic retake of the predicted recession recovery for Canada shows the country is not improving as fast as hoped. As a matter of fact, it's been stated that Canada is slowing much quicker than previously anticipated. However, the Bank of Canada is confident Canada will not slip into a second recession.
  Published 08Aug2010, viewed 160 times

• The Cost of Television
  Have you ever wandered through someone's home and counted the number of televisions? There are an average of three televisions in every home in Canada. And with our population having just passed the 34M mark, that makes for a lot of plasma. About 88% of Canadians subscribe to some kind of cable or satellite service, spending about 20 hours per person each week watching our favorite programs.
  Published 08Aug2010, viewed 148 times

• Conservative Spending Rules
  We all might feel a certain irony (or irritation, perhaps, depending on your political affiliation) about the $1B Canada spent on security and estimated further $1B to host the G8 and G20 summits recently since the meetings were all about wasteful government spending. But Canada has also been in the international eye-both on CNN and in The Guardian Weekly-for its staunch stability in face of world economic decline
  Published 08Aug2010, viewed 201 times

• Weird and Wacky Ways to Stretch Your Dollars
  Sometimes it can be a whole lot more fun to be weird and wacky than normal and predictable. And, if it saves you a few bucks, that makes it even more great, right? Here are some out-of-the-box ways to save when you are trying to stretch your budget dollars.
  Published 07Aug2010, viewed 143 times

• Realistic Considerations When Buying a Home
  Buying a home is a very exciting venture for most people, especially if it is your first time. Driving around to look at neighbourhoods and house listings can be equally as exciting. Once you have the incentive to go ahead with your plan to purchase, there are many additional factors to consider before you are officially an owner.
  Published 06Aug2010, viewed 125 times

• How to Get a Discount on Buying a Car
  If you are considering a new car purchase, there are a few bartering secrets that you should know to get the best deal you can.
  Published 06Aug2010, viewed 199 times

• Get Your Savings Stocked
  It can be frustrating when you try to save money but never seem to get started, let alone achieve the goal. Hiding it under the mattress, entrusting it to a friend, or 'forgetting' about the extra dollars in your account may be ways to save, but most likely are not the best ways to reach your financial goals.
  Published 06Aug2010, viewed 129 times

• Cutting Costs on Family Vacations
  Summer is definitely here and if you've been thinking of a family get away but have some financial concerns, here are a few tips that could help save enough money to make that holiday wish come true.
  Published 06Aug2010, viewed 154 times

• Your Attitude and Your Money
  Have you ever thought about how you feel about your money? Money defines so much of our lives-what we wear, where we live, what kinds of vacations we can take, our choices of higher education, and so on-maybe it's a good idea to take notice of how we feel and respond to it.
  Published 05Aug2010, viewed 145 times

• It's How You Spend It
  Have you ever noticed that debt doesn't seem to respect incomes? Some people don't make much money and yet are debt free, but some people have big incomes and yet are always shy on cash. That's because there are two ways to do just about everything-one way that costs a lot of cash, or the better way that costs little to nothing.
  Published 05Aug2010, viewed 183 times

• How Much Debt Can You Bear?
  So, how much debt can you bear? Some experts say to never carry over any amount on your credit card from month to month; others allow 35% of your total credit limit; still more experts argue that you can carry up to 70% over each month on your credit card, depending on the purchase.
  Published 05Aug2010, viewed 164 times

• The Importance of Filing Taxes. Just ask Wesley Snipes
  The importance of filing taxes has always been driven home as each new tax season approaches. This is not news to us. As adults, we know our responsibility as citizens that part of our duty is to pay 'Uncle Sam' his share...and if we don't...well, let's just say Uncle Sam has a way of finding out. Not filing taxes each year can cause a lot of problems, more so if you don't file when you owe.
  Published 05Aug2010, viewed 144 times

• The $35 Laptop has Arrived
  Going back to school is not only a big decision, it is generally an expensive one. The expense has kept many people from doing it. Books, tuition and supplies are some of the biggest expenses, and now with the world being so technically advanced, owning a computer is not always an option. It has become a mandatory piece of equipment in the learning world.
  Published 05Aug2010, viewed 169 times

• British Columbia Home Sales Fall in June
  The average home in British Columbia will set you back around $449,908 as of June of this year, which is up 8.2 per cent from June 2009, however it is slightly lower than the average of $504,281 during the first six months of this year.
  Published 02Aug2010, viewed 171 times

• Canada Beats its Own Job Forecast With 93,000 Hires in June
  Some reports say yes. Others say no. Is Canada in or out of the recession? According to official government statistics released for May, Canada sunk to a few lows when it came to job hiring and job creation, resulting in an anticipated low labour increase for May. Surprisingly, June created a near record of six times more jobs than forecast.
  Published 02Aug2010, viewed 197 times

• More Canadians Purchasing U.S. Real Estate
  A recent study done by the National Association of Realtors showed that Canadians have purchased 23 per cent of all real estate sold in the United States in the year ending March 31. That is more than any other foreign country. Mexicans came in at a distant second with only ten per cent followed by China, the United Kingdom and Germany, all purchasing around 8 percent of the American housing market.
  Published 01Aug2010, viewed 151 times

• Ford Numbers Beat Wall Street Expectations
  Ford has surprised Wall Street after reporting a $2.6 billion profit in the second-quarter of the year, earning shareholders 61 cents per share, which beats the forecast 40 cents. Ford's American sales climbed 28 per cent since the beginning of the year, almost doubling that of its competitors.
  Published 01Aug2010, viewed 215 times

• Financial Aid to Small Businesses Must Increase
  U.S. Federal Reserve Chairman Ben Bernanke is urging banks to boost their lending to small businesses as it's an important factor for continued economic growth and lowering the unemployment rate. He says, "Making credit accessible to sound small businesses is crucial to our economic recovery. More must be done."
  Published 31Jul2010, viewed 149 times

• U.S. Passes Additional Benefits for Jobless
  A recent congressional standoff has seen millions of jobless Americans loose at least seven weeks worth of their unemployment benefits. On Thursday, President Barack Obama signed the restoration of those benefits back into law winning a 272-152 vote. This means that any American who has been out of work for six or more months are eligible for the payments, which average $300 a week.
  Published 31Jul2010, viewed 139 times

• Job Market Hits Record High in Australia
  After a dismal few weeks of reports on slow growth and possible downward dips in both the Canadian and American economy, there is no such news for Australia. Australia has reported that it is enjoying an employment number of 11.1 million working Aussies, keeping their unemployment rate at a low 5.1 per cent. This news has sent their dollar and stock market soaring.
  Published 31Jul2010, viewed 144 times

• Less Risk and More Savings at Canadian Banks
  Canadian banks may be the ones benefiting from the savings safety net many people have put their money into. A growing trend has seen Canadians putting their money into checking and saving accounts rather than high-risk investments. Banks have reported a 20 percent increase in the last year, which is up considerably from the normal 3 or 5 percent they saw the year before.
  Published 30Jul2010, viewed 136 times

• Demand for Green Eco-Cars Adding Auto Industry Jobs
  As consumer demands for electric cars increase, so will jobs in green technology. The last five years have seen the auto industry handing out more pink slips than applications and even though it is agreed that the auto industry will most likely never return to its pre-recession employee numbers, the increasing popularity of environmentally friendly vehicles will see some jobs return.
  Published 30Jul2010, viewed 188 times

• Earl Jones Victims Feel Additional Justice with 'Okay' to Sue RBC
  There was some relief for the 158 victims of Earl Jones last January when he pleaded guilty to two counts of defrauding investors of more than $50 million dollars for which he was sentenced to 11 years in jail.
  Published 30Jul2010, viewed 143 times

• One Million Foreclosed Homes Forecast for 2010
  According to RealtyTrac Inc., more than 900,000 American homes were repossessed in 2009 due to foreclosures. So far in 2010, there have already been almost 528,000 homes taken over this year from homeowners who have fallen behind on their payments. If the first half of the year is any indication of what's to come, RealtyTrac predicts that number to increase to about one million repossessed American homes by the end of 2010.
  Published 30Jul2010, viewed 156 times

• Home Repairs Instead of Remodeling
  With summer here you may be considering whether to sell your home, remodel it or maybe just perform some much needed repairs. A remodel job can easily cost thousands of dollars that many homeowners just do not have, so perhaps a few renovations and repairs could do the trick instead. They may not add a lot of financial value to your home today, but they will certainly save you a lot of money in the long-run.
  Published 29Jul2010, viewed 137 times

• How to Bank Safely Online
  With so many stories of fraud, keeping our own credit and debt cards protected is a concern for most. No line-ups or ATM fees is one of the many desirable features to online banking. That, of course, combined with the fact we no longer have to leave our homes to transfer money or pay bills. With more and more consumers turning to online banking, it seems fraudsters are following the trend as well.
  Published 29Jul2010, viewed 148 times

• How a Credit Score is Determined
  Trying to make sense of how a credit score is computed can be a very mind-boggling task. Being as most of us depend on our credit scores to get everything from a phone hook-up to a mortgage, it is important to know how they work. If you've ever sat and tried to dissect the hows and whys of what those numbers really mean, you may have come up with your own score of zero.
  Published 29Jul2010, viewed 134 times

• Does Debt Ever End?
  Does debt every end? Sure it does, but sometimes—and especially in the summertime when we want the livin' to be free and easy—being a tight wad and counting every penny can make your toes blister. Warm summer sunshine just cries out for a hotdog at a street corner ($5), an ice cream cone, just because ($3.50), a terrific fun bag for the beach ($24), and a groovy new CD ($15). Then, we get home and wonder where the money went . . .
  Published 29Jul2010, viewed 184 times

• Ready, Get Set, Pay It Off!
  Okay, that's it. Let's pay it down and off this year, no matter what. So how are we going to do that? There are only a few rules to follow to get that debt off your back.
  Published 29Jul2010, viewed 144 times

• And Baby Makes Three
  So now you are a family. What a wonderful and tumultuous time of life! And why didn't anybody tell you how torn you would be by the decision to stay at home or return to the office? You may have decided before the baby came that of course you would return to work, but holding that precious darling can change minds, melt hearts and thaw rock hard resolutions in the space of a baby burp.
  Published 28Jul2010, viewed 143 times

• Are You Prepared for Mother Nature?
  Regardless of where you live, Mother Nature can pack a punch when it comes to making her rounds. Whether it's winter snowstorms or spring floods, wind and rain can do a lot of damage to a prepared home, and even more damage to an unprepared one. Every year homeowners are burdened with hail, forest fires, hurricanes, lightening strikes, earthquakes and tsunamis.
  Published 25Jul2010, viewed 170 times

• How to Qualify for a Mortgage
  With so many new rules in place this year, qualifying for a mortgage can be more difficult than ever but that does not mean it's impossible. If you are serious about buying a home, there are some things you should start doing now that will benefit you later when it comes time to visit the bank. Even if you have had a bad run with credit in the past, these tips can get you on the road to approval.
  Published 25Jul2010, viewed 140 times

• Creating a Job From Home
  Maybe you're a student or are only working part-time due to cutbacks, or just had a baby and can't bare the thought of returning to work to leave your little one in the hands of a daycare provider or nanny. Perhaps you are not working at all and would like to fill in the hours with some casual work. There are countless reasons that you may want to work from home and many ways to get back into the workforce without actually leaving your home.
  Published 25Jul2010, viewed 178 times

• Garage Sales Items That Should Be Left Behind
  'Tis the season for great garage sales. Almost every summer weekend will be filled with garages full of people's unwanted and outgrown treasures. Garage sales can be an excellent way to find great deals on household items, garden products and used clothes and toys. While it's common to find great deals, there are exceptions to what should be bought new, and what is okay to buy used.
  Published 24Jul2010, viewed 149 times

• Big Business with Little Cash
  Many people have done it...started their own business with very little money. Unless you can catch the attention of an investor, you may have to rely on banks or venture capitalists to provide the start-up fees. We all know it's a fact that starting a business takes money. It is also a fact that the amount of start-up cash does not necessarily have any bearing on the outcome or success of the business.
  Published 24Jul2010, viewed 160 times

• Frugal Canadian Beach Vacations
  Summer is here and if you're like most people, a family vacation is probably in the works. If your time off does not add up to 'enough' this summer, taking a road trip in your own back yard is a good way to get away while staying close. Canada has many wonderful things to offer.
  Published 24Jul2010, viewed 235 times

• Maternity Leave, Baby & You
  One of the many great things about this country is the maternity benefit provided through employment insurance, EI. If you're working, and a bundle of love is due to arrive at your home, then you might well be eligible for EI benefits. This social support can keep you out of now-I'm-a-parent poorhouse if you plan carefully.
  Published 23Jul2010, viewed 160 times

• Staying Home With Baby
  The decision to stay home with your new family member or return to work can really tear at some parents' hearts. There are lots of unknowns, but guessing at the financial costs and expenses should not be one of them.
  Published 23Jul2010, viewed 164 times

• Less Than Fancy Facts About Saving
  There are so many good ideas about saving money out there, it is a bit difficult to understand why so many Canadians are still facing bankruptcy (about 100,000 this year will declare themselves bankrupt), and why, as a nation, we're still so badly in debt (to the tune of about $96,000 per household).
  Published 23Jul2010, viewed 169 times

• How to Make Money Off Your Home
  If you are one of the many Canadians working extra hours, or even taking a second job to make ends meet, you may be surprised to find that there is money to be found where you may never even think of it - your home. Here are some ways that you can use your own home to put a little extra money in your wallet during a financial pinch.
  Published 22Jul2010, viewed 146 times

• Real Estate Mistakes to Avoid
  Before taking the plunge into the real estate market, there are many things to know and consider ahead of time. With constantly changing laws, fees and rules, its no wonder most people seem lost when it comes to buying a house.
  Published 22Jul2010, viewed 159 times

• Ways to Save on Energy Consumption
  If you think your energy bill is too high, you're not alone. There are lots of ways to reduce your costs, and if everyone pitches in, you may find your bill dropping to shocking new lows-and wouldn't that be a nice start to the summer holidays!
  Published 21Jul2010, viewed 122 times

• Top To-Do's to Keep Your Budget in Hand
  Sometimes it can be pretty overwhelming trying to figure out how to get your finances in hand. One bit of advice says one thing, and another bit of advice says something else. But where do you start?
  Published 21Jul2010, viewed 146 times

• 30-Day "No Spending" Marathon
  It was a Canadian from Vancouver who invented "Buy Nothing Day", an annual 24-hour challenge to Canadians-and now people around the world-to not buy a single thing for one day. That means no gas, groceries, or any other kinds of purchases. Seems easy, doesn't it? But it takes a surprising amount of preparation
  Published 21Jul2010, viewed 152 times

• Economic Recovery Not Only Slow for Canada
  While many watch holding their breath, the economic recovery seems to be stalling for our neighbours to the south. With an unexpected number of new claims for jobless benefits combined with slowing activity in the manufacturing sector, many economists are concerned the economy is not only stalling, but will take another downward dip
  Published 11Jul2010, viewed 176 times

• The Conference Board of Canada: Consumers Losing Economic Faith
  For many consumers, reading headlines about the Canadian economy brings with it a lot of confusion. While economists continue to claim lower unemployment rates and higher consumer spending, it's difficult to make light of what is really happening in our economic world. Analysts predict an economic upswing, the housing market predicted a bubble burst, and the rest of the world wonders how Canada seems to remain unscathed by the recession.
  Published 11Jul2010, viewed 144 times

• Canada Day and the New HST
  Brace yourself. British Columbia and Ontario now have the much-anticipated HST implemented on July 1, Canada's birthday. The harmonized sales tax will finally go into effect eliminating the GST and provincial sales tax, combining them both to become the HST.
  Published 11Jul2010, viewed 173 times

• Home Renovations and the Return on Your Investment
  If you are considering doing some home renovations this summer to improve your house, there are a few things to know ahead of time. There are many projects that can increase the value of your home. There are also many that can decrease its value.
  Published 10Jul2010, viewed 157 times

• Financing Your Home Renovation
  Putting renovation money into your home is definitely a good investment. While mortgage rates continue to sit at an all-time low, there are many buyers on the lookout for good deals. With incentives such as home improvement tax credits and the federal energy-efficiency rebates, renovating still depends on whether or not the cash is available.
  Published 10Jul2010, viewed 151 times

• Selling Your Home: What Not to do
  If you're thinking of selling your house, you may want to do a little homework. As there are currently many homes listed for sale, potential buyers have become very choosey. Learning how to make your property more sellable can make the process a lot easier. When it comes to selling your home, there are some things you should look for.
  Published 10Jul2010, viewed 182 times

• Budgeting Summer Fun
  If it feels like budgeting is a year-round chore, you're right! Watching your money has to be done 12 months a year, one day at a time-and that includes the summer. If you've not planned ahead, here are some last minute ways that might help you save a few dollars on your summer expenses.
  Published 09Jul2010, viewed 55 times

• Borrowing Your Way Out of Debt
  The idea of borrowing to get out of debt may seem like a bit of a contradiction. For people who have trouble with credit cards, debt repayment, or even bankruptcy, the idea of borrowing for any reason may seem rather reckless. But before eliminating this consideration from a debt repayment plan, consider how it could work to help pay off debts.
  Published 09Jul2010, viewed 140 times

• Baby Steps to Financial Freedom
  Getting your finances in order is not likely to happen overnight-nor does it have to, really. Even if you are in so-called financial straits, and have to make some big changes pretty quickly, once those are in place, over time, you will likely find plenty of other ways to save. Like any life style change, allowing yourself to "grow into" the changes slowly and easily will be a better guarantee of success than if you try to do everything at once.
  Published 09Jul2010, viewed 193 times

• Home Money Pockets
  You might think it's impossible that you have any source of untapped funds, given how broke you may feel, but there are lots of spots in your home that can be unsuspected pockets of money. Here are a few of them, and with a little creativity and maybe some help from your family, you can probably find a whole lot more.
  Published 09Jul2010, viewed 122 times

• Baby Woes: Stay Home or Work?
  Deciding whether or not to stay at home full time with your new baby is a big decision. It isn't just about the finances, of course, but finances are one place where costs can be put down in black and white. That might not make the decision any easier, but you'll know what you're in for-at least financially!
  Published 08Jul2010, viewed 142 times

• Baby . . . and Then They're 18
  Raising a baby to the age of 18 not only generally takes every bit of time and patience a parent's got, it usually takes all their money, too. A new child is a huge amount of work-and expense. Some experts say it costs $6000 in the first year alone to keep your darlin' squawker just in food and diapers.
  Published 08Jul2010, viewed 154 times

• Canadian Summer Forecast for 2010
  As Canadians come out of the slumber of winter and enter into the Spring and Summer months, Environment Canada has released its forecast and expectations for the upcoming season. The prediction is a dry, warm summer with pleanty of rays for most of Canada. This is good news for those of you who've booked some time off to spend vacationing at home.
  Published 07Jul2010, viewed 145 times

• Vanishing Careers
  Finding a new career today may be a challenge for some. For others, it may prove downright overwhelming. As demographics and technology continue to change, so do the working industries. Many of the jobs that were common 10 or 20 years ago have disappeared or simply no longer exist. Some companies have gone as far to combine several different job areas into one responsibility as it is considered to be more efficient.
  Published 07Jul2010, viewed 176 times

• Ways to Stop Wasting Your Money
  We've always heard it's the little things we purchase that siphon the money from our pockets. Spontaneous purchases like junk food or last minute items while we're waiting in line are only some of the marketing temptations we must learn to avoid. There are a few other pleasure items and lifestyle habits that consumers also have a difficult time saying no to that siphon those coins out of our pockets even faster.
  Published 07Jul2010, viewed 130 times

• Five Financial Oversights that Cost You Money
  If you think you have your finances pretty much in hand, that's great. But once you get the basics down, there may be some fine-tuning that can help you save even more. Here are five financial oversights that might be costing you needless money every month.
  Published 03Jul2010, viewed 151 times

• Do You Really Need It?
  It can be difficult to save money. It's even more difficult when we spend our hard earned cash on items that we think will be either good products or somehow good for us. Everyday consumers are inundated with new products and services that they most certainly could live without. Everything from satellite television and frequent buyer cards to movie theater snacks are what many of us would refer to as rip-offs.
  Published 02Jul2010, viewed 145 times

• Successful Career Change: Landing Your Dream Job
  For many of us, the Sunday evening blues begin when we think about our upcoming Monday morning. Going to a job that you dislike can have a major impact on all aspects of your life. Our careers are a very time consuming part of our lives, taking up a majority of each day, as well, many people feel defined by what they do for work.
  Published 02Jul2010, viewed 228 times

• Keeping Your Home Cool in Summer Without Breaking the Bank
  Canada may be thought of as a cold country, but Canadians know that the summer months most certainly can pack some heat. During these hot times, many of us struggle to keep the inside of our homes cool. A recent Natural Resources Canada survey discovered that 52 percent of Canadian homes now have air conditioners, up by 33 percent over the past ten years.
  Published 02Jul2010, viewed 272 times

• The Temptation of Crazy Heart
  At least one take-away from the movie "Crazy Heart" has got to be that you can turn things around at any age and under the worst of circumstances. Even though the main character is a 57-year old, drop down drunk stumbling downhill, a dramatic incident makes "Bad Blake" realize that he's got to change his ways. And he does.
  Published 01Jul2010, viewed 123 times

• A Million Ways to Save
  Okay, we're kidding. But the point is, there are enough ways to save that everybody can probably lower costs in one way or another, and keep more money in their pocket. And these days, that's got to be good to hear. So what are some ways that you can spend less, and save more?
  Published 01Jul2010, viewed 135 times

• Money Basics to Live By
  Whenever times get tough, the experts spend forever arguing about how we got there. Well, maybe that's important, but so is figuring out how to get out of the mess. So, if you're finding yourself in a budget crunch, credit card trap, or other financial blunder, here are some tips to save yourself a few bucks.
  Published 01Jul2010, viewed 131 times

• Better Attitude, Bigger Income
  If you think the only way to save is to make big bucks, think again. Lots of research shows that the ability to save is more of an attitude than an income. Even Donald Trump agrees that a winning attitude is what separates the winners from the rest (oh-and buy real estate-another Trump tidbit).
  Published 30Jun2010, viewed 155 times

• Summer Time . . . When the Spendin' is Easy
  Finally, the summer is here. Long lazy days with plenty of sunshine. A time to relax and let go. Just don't relax on your budget. Spending in summer is outdone only by spending at Christmas. And don't the retailers know it. Every magazine shows newly painted houses, fabulous must-have swimsuits, fantastic weekend getaways, and umpteen other ways to Spend. Your. Money.
  Published 30Jun2010, viewed 62 times

• Debt-Ridden Canada
  Canadians carry more personal debt per person than in any other developed country in the world, at a whopping $41,000+ per person. Shocking, isn't it? Look around at your family-spouse or partner, kids, parents, in-laws-and add it up. How much do you personally owe?
  Published 25Jun2010, viewed 155 times

• Advice to Stay Out of Debt
  Many of us grew up with debt as a kind of standard of living we saw in our parents' lives, and now have carried forward into our own. Who doesn't owe on their student loans? Who doesn't carry a monthly balance on their credit cards or line of credit?
  Published 25Jun2010, viewed 184 times

• Financial Borrowing Mistakes Not to Make
  These days we can become so concerned about not going into debt that we forget the upside to credit cards and lines of credit. Sometimes the plans you have for yourself or your family warrant borrowing money to get them. The trick is to borrow for things that will return more value than it has cost to get them.
  Published 25Jun2010, viewed 148 times

• Cheap Vacation Ideas
  Vacations are great. For Canadians, with our long, cold winters, we usually want to take time out to bask in the warm summer sun. That also means most things will cost more in the summer (like air flights, gas, and hotel rooms) than in the off-season. It also means more crowds and that can mean less fun than you'd hoped for-long lines, sell outs, and scalper prices on just about everything.
  Published 25Jun2010, viewed 137 times

• When a Good Debt Isn't
  Good debt and bad debt seem like pretty clear categories with easy-to-distinguish differences. Simply put, a good debt should bring you a return that exceeds the investment; a bad debt won't. Some experts, though, argue that there is no such thing as a good debt. Owing money is owing money, and there is just no two ways about it.
  Published 24Jun2010, viewed 144 times

• Goals, Dreams & Strategies to Get Yours
  No matter how financially unfit you may feel you are today, you can turn your finances around. No matter how little money you make, or how big your bills seem right now, tomorrow can change everything. Lots of people have gone bust and started over. You can too. It all starts with believing in yourself and what you can do.
  Published 24Jun2010, viewed 129 times

• Green Cars to be Common Production Vehicles by 2016
  Where would people be without their cars? Environment Canada has begun the promotion of its green cars, which are to be the majority of the selection of new cars, by 2016.
  Published 24Jun2010, viewed 181 times

• Ways to Cut Out Monthly Bank Fees
  Banking is not as simple as it was even just ten years ago. With every account and transaction there seems to be a fee. The only way to avoid the fees is to keep a high minimum balance. For many people, not only is the minimum balance hard to keep up with, so are all the bank fees. For those looking for a few ways to cut back on the monthly charges, you may want to consider these suggestions.
  Published 24Jun2010, viewed 185 times

• Mass Marketing Fraud and You
  If you are one of the thousands of people who receive e-mails that claim you have won money or have someone claiming to pay you for your help to transfer money you need to read this. Every year, these mass marketing scams are costing Canadians more than $10 billion and this number has been growing steadily since 2007.
  Published 23Jun2010, viewed 134 times

• Hating Your Job: How to Make a Career Change
  The current state of our economy has seen many people take jobs they would otherwise not want. Whether you're employed or not, mortgages still come due, as do credit card payments and student loan fees. Many people are going through what some might consider a mid-life crisis, but at a much younger age as they feel stuck in jobs they say they hate.
  Published 23Jun2010, viewed 136 times

• Wise Uses for Credit
  Credit cards, lines of credit, buying over time, and other delay-pay mechanisms are earning a pretty bad rep these days. But credit, by itself, isn't a bad idea at all. Credit is what allows most of us to buy our homes, our cars, take better vacations, and purchase other big-ticket items we'd rather not do without until we have enough cash in the bank to pay for them.
  Published 21Jun2010, viewed 150 times

• Ways to Save on Your Pet
  Pets-dogs, cats, birds, fish-are wonderful additions to the family. They are loyal, fun, and can teach children a lot about responsibility and caring for something outside themselves. On the down side, pets can cost a fortune by the time they're neutered, vet-checked, clipped, fed and dressed. So can you even afford a pet?
  Published 21Jun2010, viewed 149 times

• Ways to Really Save
  Truth is, we've been told to borrow! borrow! borrow! until we think that being in debt is just a way of life. But it isn't, and there are ways you can pay off debt-a house, a car, credit cards, you name it-if you really want to do so.
  Published 21Jun2010, viewed 167 times

• Spring-Cleaning Adds to the Value of Your Home
  Does the urge to spring clean have you in the mood for a little house maintenance as well? This is the time of year when many people dive into their local hardware stores head first to buy more than just mops and buckets. If you're tired of seeing white and are in the mood for a little green, here are a few suggestions that will not only brighten up your house, but add value to it as well.
  Published 19Jun2010, viewed 150 times

• Popular Low-Stress Careers
  If you're in the market for a new career and are seeking something less stressful that still allows you to comfortably make ends meet, there are options. Many jobs offer low stress days with reasonable pay.
  Published 19Jun2010, viewed 239 times

• Keep More of What You Earn
  In today's world most of us find it a common pay-day-experience to spend our money faster than we make it. By the time we've taken care of the mortgage, paid the usual monthly bills, taken care of the car and stocked up on food, we do not have much in the way of leftover money. Our savings show it and our bank balance feels it.
  Published 19Jun2010, viewed 143 times

• Expenses to Not Consider for Your Retirement
  If the thought of saving for retirement makes you uneasy, it may help to not focus on some obvious factors such as loss of a regular income. Instead, it could be very beneficial to look at a few of the other obvious factors that come along with retirement...the elimination of many monthly expenses.
  Published 14Jun2010, viewed 157 times

• Public Disasters and Company Comebacks
  BP is no stranger to disasters. After an explosion in 2007 that killed 15 and injured 170, the Department of Justice fined the company $50 million for safety violations. Over the years there have been many companies to suffer public disasters such as corporate scandals and business fallbacks.
  Published 14Jun2010, viewed 166 times

• B.P.'s First of Many Bills Due July 1
  British Petroleum has been given until July 1 to pay the recent $69 million bill, the first of many expected to be handed over to them for the massive oil spill that has to date, leaked approximately 50 million gallons of oil into the Gulf of Mexico. This bill is strictly for the initial costs incurred by the government for their response to the spill.
  Published 14Jun2010, viewed 156 times

• A Few Tips to Get You in the Driver's Seat
  For those of you who are still considering a purchase and are on your way to the dealership, there are a few things you should know before making any decisions.
  Published 13Jun2010, viewed 203 times

• What's in a Budget?
  Having a solid budget is the key to your financial freedom and a future filled with possibilities because you have planned well. So if you keep putting off creating a budget because you think it's going to clip your wings, shake the dust off that outdated thinking and get with today's financial program.
  Published 13Jun2010, viewed 127 times

• Ways to Save on Groceries
  If we only didn't have to eat at all, we could put a big chunk of change in the bank, and save ourselves a lot of time, too. But until we can get by without food at all, we can sure cut back on our expenses with a few money saving tips and a bit of frugal spending.
  Published 12Jun2010, viewed 139 times

• The Entitlement Trap
  Somehow we have gotten it into our heads that because we work hard, or maybe we have a lousy job, we "deserve" to eat lunch out, drink fancy coffee, or buy whatever whim catches our eye. Unfortunately, that's just not the case.
  Published 12Jun2010, viewed 131 times

• A Downturn Predicted for the 2011 Housing Market
  The Canadian Real Estate Association has adjusted its original 2010 resale transactions after a weak start to the year. Rising mortgage rates and price spikes that have made homes unaffordable for many families is squeezing the Canadian market. The weaker sales are being seen in provinces such as Ontario, British Columbia and Alberta.
  Published 11Jun2010, viewed 145 times

• May Auto Sales Lie Flat for Canadian Market
  Hyundai announced it sold 12,620 vehicles in May, which is up 12.6 percent from the previous year. This increase in sales saw Hyundai outsell Honda by a little more than 1,000 units, placing them in the top-five position for the first time in the auto-maker's history, seeing them claim 8.6 per cent of the Canadian market.
  Published 11Jun2010, viewed 194 times

• The Bank of Canada Raises Rates
  As predicted, the Bank of Canada raised the prime rate by a quarter, officially making it 2.5 per cent, and as predicted, Canada's chartered banks followed in toe within hours of the news.
  Published 11Jun2010, viewed 173 times

• More Money In, Less Money Out
  When it comes to saving money, there is more to consider than merely what we are able to put away each month. We also need to consider other factors such as late fees and user fees. Impulse buying and becoming too risky can also damage your savings. Here are a few details to consider that may help put a few extra dollars in your account.
  Published 11Jun2010, viewed 133 times

• Little Changes that Add up to Big Savings
  We've become so consumer-oriented that we over-consume on a lot of things, especially items we use at home. But just cutting back on all kinds of common home items can cut costs big time. And that's money you can put to better use somewhere else.
  Published 11Jun2010, viewed 166 times

• Golden Rules to Reach Your Goals
  Establishing goals is the first step towards reaching them. Some experts suggest that you put your goals into picture form-your home, your family, your job, your boat, your car-so that they become real for you. Then, post the collage where you can see it. The collage then acts as a constant reminder of the kind of life you want to build for yourself.
  Published 11Jun2010, viewed 153 times

• Money Advice if You're Under 25 Years Old
  Are you under 25 years of age? Are you living on your own dime? Struggling with school, rent, and all the payments that come with becoming an adult? Here's some money advice especially for you that may help you avoid the average $3,000 credit card debt of new graduates, and their $25,000 average student loan debt. With careful budgeting, you won't need a credit card, and you can keep your student loan debt to a bare minimum.
  Published 11Jun2010, viewed 158 times

• Online Hackers and Your Bank Account
  You may want to keep this in mind the next time you access your online account. Despite the bank's best efforts to keep customers protected, hacker attacks remain a serious threat, costing Americans millions of dollars each year. Last year, the Internet Crime Complaint Centre reported the country lost approximately $559 million to internet thieves for the duration of 2009.
  Published 09Jun2010, viewed 145 times

• Moving Companies Under Fire
  With summer around the corner, it can be a busy time of the year for movers. Relocating for a job, for school or because you've bought a new home are some of the main reasons many people will search the internet in an attempt to find a moving company for a reasonable price. Well, if this is you, there is something you should know.
  Published 09Jun2010, viewed 308 times

• Looking to Save Some Big Bucks?
  For those of us trying to put some serious effort into saving, we can be the first to admit it's difficult. Cutting back on smaller items such as coffees and cable will save you some, but the amount will be minimal. If you're looking to save some big dollars, then it pays to find out where the largest sums of your hard-earned dollars go each month.
  Published 09Jun2010, viewed 128 times

• Are You Driving Down the Value of Your Home?
  If you're thinking of selling your home, then like most everyone else, you will rightfully want top dollar for it. Before you call that realtor looking for an appraisal, you may want to take some time to consider, if perhaps, you may be driving down the value of your home.
  Published 06Jun2010, viewed 162 times

• Home Depot and the PST
  Every time I see or hear of a Canadian tax-related story, I think I make the same face. It's the face that consists of a lifted brow and a semi-surprised look while I skim through the paragraphs. I quit reading the details years ago because, well, it always ends the same way with Canadians being taxed more, on something, for some reason
  Published 06Jun2010, viewed 153 times

• The Cheapest Canadian Cities for Real Estate
  If you're in the market for a home, this may be of interest to you. Canada's housing market had managed to maintain its strength right across the country during the economic turmoil of this past year. Although our southern neighbours have suffered a housing crisis, and even though many analysts say a housing bubble is around the corner for Canadians, bidding wars on high cost homes have continued in major cities like Vancouver and Toronto.
  Published 06Jun2010, viewed 159 times

• Super Cars of the Top Marques Monaco
  Picture it, Wiesmann MF5, Koenigsegg, a Rolls-Royce Phantom, Bentley Continental, the SSC Ultimate Aero, Lamborghinis, the Gumpert Apollo Sport, the car that set the production car record at the Nurburgring, KTM X-Bow, and many, many more. Not only are these amazing super cars lined up and ready for show, they're lined up and ready to be driven.
  Published 06Jun2010, viewed 189 times

• Things Your Newborn Can Live Without
  With all the fun and funky stuff you can buy your newborn, how do you separate the junk from the gems? You want your child to have every advantage-toys that teach, experiences that enhance development, but the choices can seem overwhelming-and costly.
  Published 05Jun2010, viewed 143 times

• Getting Tough on Debt
  Are you feeling like your debts are overwhelming you, and you don't even know where to begin to address the problem? Don't leave debt stress to torture you for even one more day. The problem is not going away, and it will only become worse the longer it's ignored. So set about dealing with debt issues right now.
  Published 05Jun2010, viewed 161 times

• Global Fears Spark Over Greece
  "We agreed on the importance of a strong policy response by the affected countries and a strong financial response from the international community," Obama said, as many of the governments around the world attempted to calm the financial markets with fears Greece's debt crisis would cause additional stress in the already turbulent European economy.
  Published 03Jun2010, viewed 147 times

• Even the Recession Didn't Slow Canadians Down
  It's official. The average Canadian is now in debt a total of $41,740 according to the most recent report issued by the Certified General Accountants Association of Canada. They have shown that Canadian's household debt load kept rising through the recession and peaked in December at $1.41 trillion making the debt to income ration 144 per cent. That makes Canadians the worst among the 20 advanced countries in the OECD.
  Published 03Jun2010, viewed 156 times

• Canada's Navy Suffers Financial Cutbacks
  A recent cutback has seen Canada's Navy make a tough choice to leave several of its vessels at the Halifax and Esquimalt docks. It has been decided that three ships will remain on each coast with the remaining six of the 55-foot vessels being sent to long-term storage.
  Published 03Jun2010, viewed 138 times

• Options Before Bankruptcy
  Are you at the end of your credit rope? Thinking about taking a leap into the bankruptcy abyss? Before you take such a drastic step, be sure you have explored all your options.
  Published 02Jun2010, viewed 178 times

• Supersize your Savings
  By downsizing your lunches out, and upsizing the money you didn't spend into your bank account, you could supersize your savings in record time. But sometimes the temptation to spend can be overwhelming. When the spend-money sweats hit hard, go ahead and treat yourself-you have to break out once in a while, right? Other times, though, a few tips and tricks can pare down your spending appetite, and keep fattening up that savings account.
  Published 02Jun2010, viewed 165 times

• Travel and Your Canadian Dollar
  Canadians have been so long with a dollar worth only pennies in exchange for US currency or the Euro, it almost goes against the grain to think about how to use the high dollar to our advantage.
  Published 02Jun2010, viewed 146 times

• An RV Loan for Your Home
  Sometimes paying so many bills each month can become confusing. There's the water bill, the electric bill, the mobile phone bill, credit cards, rent or mortgage, car payments-and then you miss one-oops! And down comes your credit rating another notch. Don't panic, if this happens to you. You may have a secret stash of cash even you don't know about.
  Published 02Jun2010, viewed 139 times

• Baby Expenses That You Can Live Without & Ones Your Baby Shouldn't
  You can go through a wad of cash as a first-time parent trying to sort out the must-haves, want-to-haves, and what-to-avoids when buying for your newborn.
  Published 02Jun2010, viewed 228 times

• Bankruptcy Guidelines
  Who wants to be bankrupt? No one, likely. Sometimes, though, the stress and anxiety of being in debt and unable to meet your financial obligations can overwhelm you. Then, declaring bankruptcy may be the best option.
  Published 30May2010, viewed 188 times

• So You Think a Foreclosure Doesn't Impact Your Credit Score?
  There are many misconceptions about how credit scores work and what happens to yours if you miss a bill payment, foreclose on your mortgage or short sale on your home. Some borrowers may think that because they never missed a payment, they can just walk away from their homes with relatively little or sometime even no impact on their personal credit scores.
  Published 29May2010, viewed 172 times

• Tips on How to Buy a Foreclosure
  If you are in the market for a new home and are looking for a way to get in before the interest rates increase, there are a few non-conventional options. If you're considering purchasing a foreclosure for instance, there are three variables to be aware of.
  Published 29May2010, viewed 147 times

• Topsy-Turvy World of Debt Management
  Is your head spinning as you try to figure out bad debt from good debt, debt "set points" and other pretty tough financial lingo? Well, let's get a few things straight, and some of the basics sorted out.
  Published 29May2010, viewed 171 times

• Spend Less, Save More: Your Own Debt Loss Program
  Think of it as a kind of debt loss program. When you handle your debt, you'll find a huge weight falls away from you. Some experts actually think there's a correlation between the growing debt of Canadians and our growing waist lines.
  Published 28May2010, viewed 153 times

• Are you as Reckless with Money as Iron Man?
  Iron Man is so rich he can afford to smash up every toy he owns and just go out and buy some more-or build a replacement in record time like he did his multi-billion bucks research lab. Don't we wish we all could. But when it comes to finances, most of us are a little more like Iron Man's arch rival, Justin Hammer.
  Published 28May2010, viewed 154 times

• Save $10,000 per Year
  Seriously. If you can cut back on discretionary spending, or save money on necessary spending to the tune of only $27.40 a day, you could park $10,000 of cool cash into your bank account (hopefully, a savings account) by this time next year. Do the math yourself; it's true.
  Published 28May2010, viewed 163 times

• Costs and Cars
  Everything costs. And sometimes your car, truck or SUV can seem to take up your entire pay cheque to keep it on the road. Keeping your vehicle in good repair can seem expensive, but it's usually a lot cheaper to maintain a vehicle you own than to go out and try to finance a new one.
  Published 28May2010, viewed 194 times

• The Recession is not Prejudiced
  One has to admit that the recession is not prejudiced. It has left no one out in terms of financial woes, including teens and university students looking for summer jobs. Even though recent employment reports showed an additional 290,000 jobs being filled in April, the largest jump in four years, unemployment amongst 16 to 24 year olds remains at nearly 20 per cent.
  Published 28May2010, viewed 152 times

• What's Your Debt Set Point?
  Debt set point means the amount of debt you think you can handle. How you figure that amount out certainly varies from person to person. And let's face it-some people are just prone to exaggerate sizes. Here are some signs that you can watch out for to ensure that you don't exceed your debt set point and blow the lid off your finances.
  Published 28May2010, viewed 148 times

• Couples and Money Conflict
  When couples first start out, they can often run into conflict over how they're going to handle their finances-even friendly mergers can be difficult. Getting together on the same page about how you'll handle your debts as well as savings and planning for the future can be a great way to minimize one of the biggest areas of conflict between couples.
  Published 28May2010, viewed 150 times

• Just say "No" to More Debt
  Saying "no" is really tough, whether it's to ourselves for something we really have our hearts set on, to our kids, or someone else we love. Nobody wants to be the bad guy who has to deny something that someone has asked to have. When it comes to the ease of using credit, saying no to all the wonderful things there are to purchase in the world can get even harder.
  Published 28May2010, viewed 130 times

• First Significant Employment Growth in Four Years
  Hiring 66,000 temporary government workers to do a national census through the Labour Department does not hurt, but it seems the backbone of the US economy, which are the private employers, have added 231,000 jobs to the labour force last month, the most since March 2006.
  Published 22May2010, viewed 160 times

• Back in the Black
  If it's been a long time since your finances have seen anything but red, you're not alone. In 2009, the Certified General Accountants Association of Canada released a shocking report on the state of finances in Canada. According to the report, Canadians have reached an all-time debt high of $1.3 trillion dollars.
  Published 21May2010, viewed 152 times

• Climbing Back from Bankruptcy
  So, you did it. You declared yourself bankrupt. You may well have mixed feelings about the whole affair. You may feel relieved that you don't have to worry about answering the phone any more. But you may also feel pretty low about throwing in the towel on your monetary situation.
  Published 21May2010, viewed 156 times

• Visualize Savings and They Will Grow
  Having trouble seeing you and your family debt free, or with a positive balance-of any kind-in your savings account? The key to saving money is to "just do it"-and then keep doing it forever.
  Published 21May2010, viewed 154 times

• Canada Shows Employment Gain & Strength in Economic Recovery
  The largest ever-recorded employment gain by Statistics Canada came from the 108,700 new jobs founded by Canadians last month; the largest percentage increases since August 2002. Statistics Canada found approximately 44,000 of those jobs was full-time in the private sector while the remaining 65,000 were part-time.
  Published 20May2010, viewed 139 times

• Home Buying Mistakes to Avoid
  With the upcoming mortgage rate hikes less than a month away, many Canadians are still trying to cash in on the current rates before that inevitable increase in June. That means, many Canadian are looking to buy a home. If you happen to be one of them, you may want to consider avoiding a few of these purchasing blunders before making your way out the door
  Published 20May2010, viewed 149 times

• The Bank of Montreal is Claiming Mortgage Fraud
  The Bank of Montreal estimates it may lose as much as $30 million on a mortgage scheme that involved some of its own employees. The bank is suing a few hundred people including four of its own employees, along with mortgage brokers and, so far, seventeen lawyers in what they allege is one of the largest cases of mortgage fraud in Canadian history.
  Published 20May2010, viewed 160 times

• Harper Sales Tax (HST) is Here to Stay
  Just as Canadians were beginning to feel a little more relaxed about the recession, the government slaps two of our largest provinces with additional taxes. Yes, the Harmonized Sales Tax, or Harper's Sales Tax as some are referring to it, has officially been introduced.
  Published 19May2010, viewed 174 times

• The New West Partnership Agreement
  Many long-time residents of Western Canada question why the 3 western-most provinces, who rely so much on one another and who interact to the degree that they do, never thought of this before. Between the three provinces, B.C., Alberta and Saskatchewan, there has finally been an agreement to function, more or less, as a single economic zone.
  Published 19May2010, viewed 153 times

• Qualifying for Interest-Only Mortgage Now More Difficult
  Starting August 31, 2010, Fannie Mae, the government-backed mortgage giant, has announced it will be tightening its lending requirements for the interest-only loans and adjustable rate mortgages. It will also set new requirements that borrowers of the interest-only loans have sufficient cash to make the mortgage payments and other housing expenses for at least 24 months
  Published 19May2010, viewed 143 times

• A First Homebuyer's Guide
  Owning a home for many people is definitely a dream, but with that dream comes numerous realities that need to be addressed. Many experts suggest looking at a home purchase as a lifestyle investment, not a financial investment. Making mortgage payments indirectly forces you to save but it can take 15 to 30 years to pay off your home before it finally becomes a substantial asset.
  Published 17May2010, viewed 140 times

• GM Canada Sued for Benefit Scale Back
  An Ontario man has filed a potential class-action lawsuit against GM Canada for rolling back their benefits. This lawsuit against the automaker has been made on behalf of himself and 3,500 additional retired white-collar employees of the company.
  Published 17May2010, viewed 172 times

• According to the White House, 683,000 US Jobs Created in the First Quarter
  There's always speculation when it comes to actual public tallies, but according to the White House, the $787 billion stimulus package has created just under 683,000 jobs in the first quarter of 2010. Based on 179,000 reports filed by individual states, these 682,799 jobs were added primarily in the areas of road construction, police officers and teachers
  Published 16May2010, viewed 162 times

• The Real Cost of Qualifying for a Mortgage
  In an attempt to prevent potential home buyers from purchasing homes they cannot afford, home buyers will now be facing tighter rules. These new rules are an attempt to discourage people from taking out mortgages they may not be able to pay for in the event of higher interest rates or larger issues such as job loss or another recession.
  Published 16May2010, viewed 143 times

• Move Over TSX, There's a New Option in Town
  For 157 years the TSX has enjoyed the near monopoly status as the place to buy and sell stocks in Canada as it currently sits as the sixth largest in the world. Lately, there have been options moving in, eroding the TSX's monopoly.
  Published 16May2010, viewed 161 times

• Buying a House Should not be Considered an Investment
  The father of modern economics placed housing in the same category as clothing and furniture - useful consumer goods that do not generate wealth. For the homeowner, a house is a "part of his expense, and not of his revenue."
  Published 16May2010, viewed 217 times

• Real Estate Fraud - a Form of Identity Theft
  Having your identity stolen may be as likely as winning the lottery, but as we know, there's always a lottery winner. With millions of transactions occurring in real property every year, real estate fraud is rare but it happens, and it can cause a world of misery on a unsuspecting homeowner.
  Published 16May2010, viewed 156 times

• Money Attitude Shake Up
  If you think you make too little money to be able to save, think again. Lots of studies show that it's all about the attitude. 's easy enough to do-here are just a few ways you can keep more of your money, and make a bit, too.
  Published 14May2010, viewed 145 times

• Build a Nest Egg- One Looney at a Time
  What's the use of a looney? Well, think back over the past five, or even ten, years. What if you'd put one dollar away every day, and not touched it. You'd have a nice little nest egg today. There are plenty of places to save small amounts of money-in ways you may not even notice once you start. Here are some easy tips to help you save one dollar a day.
  Published 14May2010, viewed 169 times

• Unexpected Places to Save
  There are so many ways to painlessly save it can almost make you dizzy. But why should we save, anyway?
  Published 14May2010, viewed 139 times

• A Few Ideas to Help Get You Out of Debt
  The inevitable interest rate hikes are just around the corner, which means we will be paying more for pretty much everything. Now is a good time to set your sights on making the effort to get out of debt. Here are a few suggestions on how to do this before it costs you more.
  Published 13May2010, viewed 164 times

• Have you Ever Wondered what the Large Corporations Pay in Taxes?
  With the tax deadline having just passed, and taxes still on the brains of many households, you might be wondering what the large corporations pay in taxes each year. It may dishearten you to know the truth.
  Published 13May2010, viewed 193 times

• Tax Troubles for Procrastinating
  The deadline to file 2009 taxes has just passed. For those procrastinators who have yet to get started, there is help available in the event you are going to file late.
  Published 13May2010, viewed 161 times

• A Primer in Money Management
  Concerned about your lack of knowledge of basic financing and how to save and invest your money wisely? So is the Canadian government. The Feds have already pulled together expert teams to address our illiteracy when it comes to money management, and they're looking for ways to teach Canadians to be savvier about their finances.
  Published 12May2010, viewed 162 times

• Re-Commit to be Financially Fit
  Have you put a lot of great budget changes to work for you only to find yourself backsliding time and again? Keep trying. Just like a work out routine, the more you do it, the easier it gets. Here are a few tips to help you re-commit to being financially fit.
  Published 12May2010, viewed 135 times

• Budget Management 3.0
  Okay, so you're doing everything you can to get your finances in order but, it's just not enough, and you're still coming up short. You need to move to budget management 3.0 and find new sources and untapped pockets of cash.
  Published 12May2010, viewed 131 times

• Oil Spill May Threaten Offshore Drilling Plans
  The ever-growing oil slick in the Gulf of Mexico may threaten more than the environment. It will make it significantly harder to open up more coastal areas for oil drilling.
  Published 09May2010, viewed 207 times

• Loss of Job Still Requires Filing Taxes
  Even if you lost your job this past year, it's still mandatory that you file your taxes. If you were part of the more than 1.5 million Canadians who found themselves unemployed due to the recession, paying taxes is most likely the last thing you want to think about.
  Published 09May2010, viewed 168 times

• Another European Country Hit by Hard Times
  The news about Greece's debt problems has been making headlines for weeks now as that country's financial problems spill over, affecting the rest of the European nations. Well today, there is news that another European country is experiencing similar financial woes.
  Published 09May2010, viewed 150 times

• The Pleasure of the Purchase
  New things. How can you resist buying them? They smell so good, they look great, and they make you the envy of the neighborhood. Until, of course, the bills arrive. Now you're wondering how you ever got sucked in-again-to buying more than you could afford.
  Published 08May2010, viewed 152 times

• Budget Building Basics
  Have you noticed how everything seems to have gotten bigger and bigger? Our houses, our vehicles, even our soft drinks. Have you noticed your debt load growing in proportion to your great room? Maybe, it's time to downsize.
  Published 08May2010, viewed 184 times

• Addicted to Debt
  Are you addicted to debt? Can you just not say "no" to spending, and snap up every new bauble that attracts your eye? If you feel like your spending is spinning out of control, you may need some heavy-duty withdrawal tactics to get your life back on the straight and narrow.
  Published 08May2010, viewed 142 times

• The Cost of Care Giving
  Care giving to an aged loved one is something many of us will have to deal with at some point before our own retirement. A recent study has shown that many Canadian baby boomers are nearing retirement and are finding themselves in a position of taking care of an aged parent or relative and are doing so while still taking care of their own children which is having a detrimental financial impact.
  Published 07May2010, viewed 135 times

• Freedom 65 Can Still Happen
  The recession has definitely set back more than a few retiring Canadians which means they will have to work a little longer than planned. That could mean another year, or for others, it could mean another few years. If you're looking for tips on places to invest other than stocks and real estate, here are some ideas that may help you reach Freedom 65 after all.
  Published 07May2010, viewed 140 times

• Is There a Secret to the Rich Being so Rich?
  Have you ever wondered how the rich get so rich? Have you sat and wondered if there's a secret, and if so, what the secret is? Believe it or not, there is a secret to obtaining wealth, but it most likely is not what you think.
  Published 07May2010, viewed 134 times

• Financial Giants that Fell
  It seems that during the past few years the news has been littered with stories of giant, influential companies suddenly falling to their knees. These companies that fall generally take with them their investors, employees and often times, even part of the economy. Here is a short recap of the more notable stories that had a large impact on the financial status of many people.
  Published 07May2010, viewed 158 times

• An Attempt to Save our Petty Cash
  It's difficult for us to save money when we're not even sure where we're spending it. According to a survey done by Visa, we spend an average of $21 a week that we cannot account for, which adds up to about $1,000 a year. So, where does our petty cash go?
  Published 06May2010, viewed 128 times

• Doubling CPP Benefits to Retire on Time
  With more and more retirees entering their so-called golden years with less than enough money to support themselves, there are suggestions that perhaps CPP benefits should be doubled. The cost of living is no longer the same as it was even from only one year ago, so it makes sense to rethink the amount of savings we put away for our future.
  Published 06May2010, viewed 128 times

• Five Financial Hiccups to Avoid
  Hiccups in our financial world shouldn't bring our proverbially house tumbling down. Too often, though, they do. And it's only because we've fallen into some pretty bad habits that, when our finances encounter a rough spot, it wreaks havoc in our lives. Here are five financial missteps to avoid to help keep your financial house on a firm foundation:
  Published 05May2010, viewed 137 times

• The Big Ticket Surprise
  Unexpected surprises can hit any of us, any time, but when your credit history is weak, or non-existent, it can really be bad news. Where can you turn for an emergency bail out, especially if your credit cards are maxed out, and you just don't have good enough credit to increase your limit, or open a line of credit?
  Published 05May2010, viewed 136 times

• The Little-Known Car Repair Loan
  Have you heard of it? Chances are, you haven't. But a car repair loan can be the perfect answer for you if you need repairs to your vehicle in order to keep it on the road, and you from the embarrassing position of having to beg for a ride.
  Published 05May2010, viewed 217 times

• Stop Spending and Start Saving
  Are you a nonfat-hold-the-whip-caramel-mocha-latte addict? Do you find yourself digging under the couch cushions for the money to pay for that yummy drink? Maybe it's time to hold-the-coffee altogether, and keep that spare change in your pocket. Try it, like a 30-day challenge.
  Published 05May2010, viewed 142 times

• Canadian Tax Rules for 2010
  Each year millions of Canadians scramble to get their tax papers in order. Each year, many of these same Canadians are scrambling to find out what new tax rules have been introduced as well as what old tax rules have been changed. These major tax changes can easily affect how much personal tax you will pay and for most people, it pays to know the changes. Here are some of the key changes:
  Published 03May2010, viewed 195 times

• Have you Heard the Latest Income Tax Myth?
  Among the many things there are to know when it comes time to file their taxes, there are also a few things Canadians need to not know. With so many common tax myths out there, it's hard to know what is what. Here is a brief list of tax myths that will hopefully sort out your tax questions.
  Published 03May2010, viewed 189 times

• A Look at E-filing Software
  Many Canadians are entrusting their taxes to be filed electronically by software packages. With each new year, more and more of these software programs become available. It leaves many consumers wondering which ones are good in general, as well as which ones are good for them personally.
  Published 03May2010, viewed 166 times

• Luxury Auto Sales Hit with Consumers in China
  Dozens of car makers lined up their newest products at a recent luxury car show in Beijing that has brought out China's curious and most wealthy. The Chinese are a hard working culture and enjoy personal rewards such as high-end cars.
  Published 02May2010, viewed 250 times

• Fraudulent Tax Preparers and the Penalties
  A recent IRS release about fraudulent tax preparers should have Canadians being weary as well. Since 2009, 19 Canadian tax preparers have been assessed nearly $1.7 million in third-party penalties with audits of 15 additional tax preparers still under way.
  Published 01May2010, viewed 246 times

• A Few Tax Schemes to be Aware Of
  As the tax deadline nears, the Internal Revenue Service is warning people to be aware of fraudulent tax preparers, offers that seem to good to be true and hidden offshore bank accounts. Taxpayers should be aware of anyone offering advice and services that may see them fall prey to tax schemes that could result in fines or even jail time.
  Published 01May2010, viewed 188 times

• 2009 Changes That Will Influence your Tax Return
  How quickly the April 30 tax deadline comes around. With only a few days left to file, some last minute Canadians will be scrambling to find receipts, documents and a list of the 2009 tax credit changes. In the event you've not yet found such a list, here it is. These are the key tax changes for 2009.
  Published 01May2010, viewed 169 times

• Canadians Still at Parity
  Now that the Canadian economy is back in check, the banks feel it may be time to begin removing some of the stimulus that helped get Canada out of the recession. The bank is no longer promising to keep its key rate at the record low of 0.25 percent. The next rate announcement is June 1.
  Published 30Apr2010, viewed 166 times

• The High Cost of Greece's Debt
  Due to massive mismanagement and government corruption, Greece has found itself in a world of financial trouble, and no matter what they do, it does not seem they are going to be able to help themselves.
  Published 30Apr2010, viewed 177 times

• Avoiding Common Tax Mistakes
  With the April 30 tax deadline mere days away, it is time to file if you have not already done so. Filing in a hurry often leads to sloppy paperwork and unclaimed receipts that could earn you a refund.
  Published 30Apr2010, viewed 165 times

• An Even Budget from a Variable Income
  If you are one of the many people these days with a variable income, either because you are on periodic shutdowns, temporary layoffs, or cutbacks in working hours, the irregular pay cheque can really throw you for a loop. Taking irregular income and evening it out takes resolve, but it can be done.
  Published 30Apr2010, viewed 172 times

• The Effects of Stress in the Workplace
  Obviously stress is a part of real life and it certainly can exist in the workplace. Stress is not entirely bad however. It has been known to motivate our performance as well as provide bursts of energy and has even been known to provide an enhanced memory.
  Published 29Apr2010, viewed 176 times

• Lessons in Financial Literacy
  After a 20-year trend of increasing household debt due to reduced saving, dwindling pension plans and easy credit, financial planning must be integrated into the minds of Canadians.
  Published 29Apr2010, viewed 162 times

• A Breakdown of Personal Debt
  Most of us owe something; credit cards, mortgages, loans from friends or families. It's not a secret that this personal debt is holding us back from obtaining financial freedom, but where exactly does this debt come from? A recent study shows a breakdown of what type of debt people owe and how much it totals.
  Published 29Apr2010, viewed 188 times

• Invest in Yourself and Get Out of Debt
  Do you find yourself resenting your debt repayments? If you feel that way, you need to give yourself an attitude shakedown. Paying your debts means that you're investing in yourself, your future, and your family-and those are all things that should make you feel great about paying debts off.
  Published 28Apr2010, viewed 166 times

• Family Money Management-Saving Together
  So, you overspent at Christmas, your car insurance is due, and your kids are yammering about summer camp. Does it feel like the only thing you have in your life is bills, bills, bills? Maybe it's time to bring the kids in on your family's financial situation.
  Published 28Apr2010, viewed 137 times

• Canadians are Working More
  Statistics Canada has released its January 2010 report of payroll employees. It has found that the total hours of a payroll employee increased in January by 0.3%. It seems that the Canadian economy is bouncing back much quicker and healthier than economist expected.
  Published 25Apr2010, viewed 163 times

• Financial Freedom for Fewer Canadians
  Due to the recession, freedom 65 may never get here. It seems for most people, even freedom 85 is not as probable as once expected.
  Published 25Apr2010, viewed 322 times

• Indebted Canadians...There is Help
  More than 116, 300 Canadians filed for bankruptcy in 2009, a 28% increase from 2008. Economists expect that number to hover as long as personal debt loads and unemployment rates remain high.
  Published 25Apr2010, viewed 171 times

• When Debt is Swallowing You Up
  Here's the thing. If you feel like you're dying by debt load, your debt is way out of control. Now that you're here, though, you don't have to give up and go down. The trick is to realize that you are in trouble, and get the help and advice you need.
  Published 24Apr2010, viewed 151 times

• Bad Debt Blues, or Good Debt News?
  There is a difference in the kinds of debt we carry, so if you find yourself discouraged about all the payments you seem to be making to loans, lines of credit, mortgages or others, consider what kind of debt you are really carrying.
  Published 24Apr2010, viewed 168 times

• Budgets to Change Your Life
  First things first. Give yourself a budget-attitude shake. A budget is neither a starvation diet nor a binge approach to money management. It's a month-by-month strategic plan to care for yourself, your family, and your future.
  Published 24Apr2010, viewed 175 times

• Canadians Struggle to Afford Their Homes
  The Conference Board of Canada has recently found that the lack of affordable housing has left one-fifth of Canadians struggling to pay for their homes. They fear this number could increase as the mortgage rates rise from their recent lows.
  Published 23Apr2010, viewed 217 times

• Do It For Your Kids & Your Taxes
  A few years ago, the government introduced a children's fitness tax credit. If your kids (under age 16) play in approved sports, you could deduct the cost of joining the sport, up to $500 or even more, under certain conditions. But what if the cost of enrolling your children in a sports program is more than you think you can handle?
  Published 23Apr2010, viewed 150 times

• The Days of the Mortgage Broker
  According to the Canadian Association of accredited Mortgage Professionals, the combination of inevitable bank rate increases with the new rules for qualifying first-time home buyers is causing a surge in the demand for mortgage brokers as potential homeowners are having to look harder for their first mortgage.
  Published 22Apr2010, viewed 194 times

• Couples Banking: Are you Part of the One-Third?
  Discussing financial plans is definitely a key to making the long-term financial relationship work. It's all about communication and defining your personal objectives. A couple needs to agree on the same financial priorities
  Published 22Apr2010, viewed 154 times

• Breaking Free of Credit Card Debt
  If the endless cycle of paying down your credit card debt a teensy-weensy bit every month, and then adding on a new ginormous debt next month is beginning to wear you down, it's time to take steps today to break free and really handle your credit card debt once and for all.
  Published 22Apr2010, viewed 150 times

• The Rollercoaster of Interest and Debt
  Feel whoozy these days when you think about your mortgage and climbing interest rates? The Bank of Canada says rates may climb several percentage points this year. Homeowners, with floating mortgages and variable interest rates, may be hardest hit. More so, if you overextended your budget to buy the most home possible, at the lowest floating rate you could find.
  Published 22Apr2010, viewed 162 times

• Learn to Save Your Money-and Teach Your Kids Too!
  Sometimes parents are nervous about letting their kids in on the financial picture-but it might be one of the best decisions you make for you and your family. Kids already always know what's going on, anyway, so you might as well 'fess up in the money department.
  Published 22Apr2010, viewed 154 times

• Summer Fun in the Sun—Just Not in Your Car?
  Have you been looking forward to all the fun in the sun you hope to have this summer, all the camping trips, the bonfires and beach outings? But, your vehicle is in such a poor state of repair you don't think it could make it past the driveway? Don't despair.
  Published 21Apr2010, viewed 245 times

• A V-Shaped Recovery for Canada
  The Canadian economy suffered a downturn with the rest of the world in 2009 during this Great Recession, which saw our country eliminate more than 321,000 jobs and watched consumers struggle to makes ends meet. It seems, however, that the country has been underestimated as it continues to come back stronger than any of the analysts predicted.
  Published 18Apr2010, viewed 176 times

• Financial Woes that Should Make You Feel Better
  I think it's safe to say that we have all made some costly financial errors during our lifetimes. Some may have been minor errors of bad judgement like lending money to friends or family. Others may have been larger lessons such as maxing out a credit card in one unfortunate shopping marathon.
  Published 18Apr2010, viewed 163 times

• Retiring in the Red
  If you're of the younger generation but are still around the age where the thought of starting to save those retirement funds are stashed away in the back of your mind, you may be surprised to know many retirees are retiring in the red.
  Published 18Apr2010, viewed 167 times

• New Pride for Your Ride
  Are the springs sprung in your ride? Brakes squealing? But you think you can't afford to repair your car. Not at all. You can get a car repair loan and put the joy back into your ride.
  Published 18Apr2010, viewed 216 times

• One Credit Payment per Month (Impossible? Read on)
  Are you tired of those bad credit calls from loudmouths demanding your hard-earned pay cheque? Maybe it's time to consider consolidating your credit card debts.
  Published 17Apr2010, viewed 157 times

• Climbing Out of the Black Hole of Bad Credit
  If it seems like a long, long way out of the black hole of your debt load, then this article is for you. Check out the questions here. If you answer yes to even some of them, your debt load may be out of control.
  Published 17Apr2010, viewed 134 times

• Top 10 Reasons to Take Out a Car Title Loan
  Why your life needs a car title loan. Especially designed for bad credit and recent bankruptcy applicants. Apply online. 24 hours a day. 7 days a week. No hassles. No banks. Money direct deposited.
  Published 17Apr2010, viewed 238 times

• Realistic Retirement
  A recent poll found that approximately 75% of retirees didn't know how much money they had spent during their first year of retirement which makes saving and planning tough. It is mandatory to keep track of your spending habit, your essential expenses and your lifestyle in general to be able to plan properly.
  Published 16Apr2010, viewed 166 times

• GM hires while Toyota fires?
  GM announced it's re-hiring more than 700 laid off workers in Ontario, bouncing back from the worst crisis in its history. All this right around the same time Toyota is slapped with a record $16.4 million US fine. GM is responding to growing consumer demand for their Chevrolet Equinox and GMC Terrain, both popular crossover utility vehicles.
  Published 16Apr2010, viewed 206 times

• Job Hunters Still Suffering the Effects of Global Recession
  The world has been holding its breath waiting for signs that the recession may be coming to an end. In some of the world's most socioeconomically well-off and wealthiest countries, this is taking much longer than expected. In many of these places, the unemployment numbers continue to rise. They show no signs of leveling off any time soon.
  Published 16Apr2010, viewed 189 times

• What Money Actually Looks Like
  Have you ever wondered what a Trillion dollars would actually look like? We often hear of a country's debt being in the billions or of countries spending billions of dollars. We also hear of more everyday numbers in regards to large sum bonuses and tax rebates. Just for fun, here are a few comparisons to how money really stacks up.
  Published 16Apr2010, viewed 156 times

• Five Tips to Deal with Credit Card Debt
  We all know that the best way to address debt is to just stop incurring it. Sometimes, that means the best way to deal with your debt load is to get rid of the source of the problem, often credit cards. So what's the number one tip to address credit card debt?
  Published 16Apr2010, viewed 170 times

• Surfing the Net and Credit Card Debt
  Don't think there's a link between how much you surf the 'net and your creeping credit card debt? Think Again!
  Published 15Apr2010, viewed 168 times

• Ending the Not So Merry-go-Round of Credit Card Debt
  Do you wake up at 3:00 a.m., worrying about how you're going to pay your bills? Or maybe you're not paying your bills at all. There are alternatives to the nightmare of ongoing credit card debt. So you can get a good night's sleep.
  Published 15Apr2010, viewed 143 times

• The Financial Dilemma: Pay Debt or Save?
  Should I pay down my debt or build my savings? There are many aged-old questions but this is not one of them. This is, however, a very common question for most of us in the twentieth century as consumer debt has hit a personal high and has become the ugly four-letter word.
  Published 14Apr2010, viewed 157 times

• Greek Debt Causes Euro Plunge
  By the end of March, the euro fell below the 1.34 dollar level as fresh doubts began to surface over the handling of the Greek debt crisis. The instability of the country has had a huge impact on the European economy, causing others to suffer in their wake.
  Published 14Apr2010, viewed 197 times

• Toyota in Trouble
  Toyota has found itself in a world of trouble after the US Transportation Department found them guilty of hiding a dangerous defect and failing to alert regulators quickly enough to the safety issues. These defects were found on some of Toyota's best selling models such as the Camry and Corolla.
  Published 14Apr2010, viewed 211 times

• Foreclosure vs Short Sale
  The recession has brought out the creative survival side in many markets, and the housing market is no exception. Due to the recently distressed property market, banks are encouraging property owners to short sale instead of foreclose.
  Published 14Apr2010, viewed 320 times

• Our Low Interest Days are Numbered
  It seems the great ride could soon be over. As inflation continues to move at a rate faster than even the central bank expected, Statistics Canada says the Bank of Canada could lift its interest rates as early as June. Yes, this means it could very well cost more to borrow money.
  Published 12Apr2010, viewed 178 times

• Did Canada Recover Quicker?
  It's a little puzzling that Canada has survived as well as it has during, what has been recently referred to as the Great Recession. Less than 24 months after it swooped through the U.S., Canada's housing market has bounced backed with amazing force.
  Published 12Apr2010, viewed 173 times

• Use Your Car to get Tax Free Savings
  A recent news report said that Canadians are not saving nearly enough money to ensure their continued financial security. Our pensions are in jeopardy, too. So, in 2008, the Canadian government was worried enough about our savings habits they introduced Tax Free Savings Accounts-TFSAs-to encourage us to save more.
  Published 12Apr2010, viewed 193 times

• Building Your Foreign Portfolio
  Now is a great time to build your portfolio. With the Canadian loonie sitting close to parity with the US greenback for most of March, economists figure now is a good time to diversify your portfolio and invest in foreign currency investments.
  Published 11Apr2010, viewed 173 times

• Frugal Canadians Opt for Web over TV
  It's finally happened. Canadians have caught up with the rest of the world when it comes to web surfing. According to Ipsos Reid, the average Canuck spends more than 18 hours a week surfing the web compared to 16.9 hours a week watching television.
  Published 11Apr2010, viewed 159 times

• Spring is Here . . . and Your House is Stuck in the Mud
  Have you been thinking it might be time to sell your home, and spring into something new? But your back yard is nothin' but mud, your deck needs repair, and that downstairs bathroom, well . . . and you can't seem to find even an extra cent to spare for those fix-ups?
  Published 11Apr2010, viewed 186 times

• Seeing "Repo Men" in Your Future?
  If bad debt, lousy credit, and overdue credit card payments have you worrying that someone is coming to rip out your heart tomorrow, you may want to consider a car title loan today to bail you out of a tight spot.
  Published 09Apr2010, viewed 158 times

• How Much Will a Die-Hard Sports Fan Pay?
  The latest concept to hit sports teams and their fans, the all new 'sports mortgage'. Yep, you read right! Dedicated die-hard, long-term fans can now lock themselves into prime seats for the duration of 30 or 50 years with the Stadium Financing Capital Group.
  Published 09Apr2010, viewed 248 times

• Canadian Ponzi Scheme Gone Bad
  A Ponzi scheme is a type of fraud where people who invest money into a company are paid returns from money that other people have invested after them. Meanwhile, there is little or no company or commercial activity taking place.
  Published 09Apr2010, viewed 164 times

• The New Credit Card Rules
  If you have not yet heard, February 22 (2010) finalized the practice of the new consumer-friendly credit card rules. You're probably wondering what this means to you as a consumer.
  Published 27Mar2010, viewed 164 times

• Where has all the Money Gone?
  Ever wonder where all the money goes? We get paid and it seems within days, we have empty pockets. So, where does all the money go? Well, that's a question that only you can answer.
  Published 27Mar2010, viewed 148 times

• American Health Care - Are We an Example?
  An amazing American legislative victory over this March 2010 weekend has earned a circle on every person's calendar. Although it's not officially law yet, an enormous step towards universal health care has been achieved.
  Published 27Mar2010, viewed 157 times

• Teaching your Kids About Personal Finance
  The days of the old Home Economic courses are coming to an end. Learning to sew, bake or jigsaw woodcarvings just does not cut it any more (pardon the pun). Instead, home economics is being converted into personal finance courses and are being taught at many high schools around North America.
  Published 27Mar2010, viewed 196 times

• Debit Cards and Debit Card Fraud
  There are recent reports that debit card fraud is growing at more than double the rate of credit card fraud. If you are an avid debit card user, perhaps some of these tips can help keep you protected.
  Published 27Mar2010, viewed 301 times

• What's Your Credit Type?
  Really, there are only two types of credit: good, and bad. Which type describes you and your financial situation? If your credit is out of control, there are ways to recover and move yourself from a bad credit risk to someone any banker will be glad to see.
  Published 26Mar2010, viewed 160 times

• Bad Debt Blues
  Let's face it. Bad debt makes you feel bad. No matter how much you try and ignore it, pretend you don't have it, or that some miracle is going to make it go away for you, bad debt wears you down. With a few simple guidelines, you can pay down those debts, and start feeling a whole lot better about yourself and your life.
  Published 26Mar2010, viewed 151 times

• Do I Look Fat in This Debt?
  A recent German BMC Public Health study shows obesity and debt are strongly linked together. The study suggests that people who are heavily in debt are twice as likely to be more overweight than the general population and are 2.5 times as likely to be obese. The link between the two combines the psychological and social stress of being heavily in debt.
  Published 26Mar2010, viewed 336 times

• Shop for Financing Before Shopping for Your Car
  When there are two working people in a house, there is often a need for two vehicles. If you are finally getting ahead and have saved a little money to put towards a second vehicle, there are some auto financing strategies you should know about.
  Published 29Mar2010, viewed 221 times

• Accessing the Value in Your Mobile Home
  Mobile homes are pretty handy spaces. They're compact, convenient and, well, mobile. But they still need maintenance and repair. You may be asking "how can I afford it? Especially with my lousy credit rating and maxed out credit cards?"
  Published 26Mar2010, viewed 161 times

• Personal Property Protection in Tough Economic Times
  Things such as personal alarms and property insurance may have been bumped from the list of immediate necessities as many of us are trying to cut back on our monthly costs. Although so many people are continuing to penny-pinch and save wherever they can, some items simply should not be given up.
  Published 27Mar2010, viewed 312 times

• A Car Title Loan and You
  A car title loan is a loan that you make against your car. That means you put your car up as collateral against the loan. That's why it's an easier loan to make than many other kinds of loans-and that you might not have qualified for because of maxed out credit cards, a poor payment history, bad credit or perhaps even a bankruptcy.
  Published 26Mar2010, viewed 171 times

• Taking Care of Your Credit Rating
  We all have some idea of how credit scores work and what they're supposed to represent. In the event this is all new to you, the idea goes something like this. When you borrow money from a lending institution, generally a bank, you are scored or rated by how efficiently you repay the money.
  Published 26Mar2010, viewed 156 times

• Cash in 3D
  Ever notice how things just happen in life and always when you are least ready for it? Your boss gave you some hard-earned down time, but you didn't stash any cash for that weekend get-away? You've fallen in love-just when you thought it would never happen-but now you can't afford a ring to propose?
  Published 26Mar2010, viewed 187 times

• Save your Dog Despite the Cost of Veterinary Bills
  There cannot be anything worse than getting news from your vet that your dog, your cat, or whatever you keep as a family pet, is ill and needs expensive surgery. If you find yourself staring at the hard decision of whether or not you can afford surgery, meds, or whatever your family pet needs, consider a car title loan to help you over the hump-and swallow the lump in your throat.
  Published 20Mar2010, viewed 231 times

• Credit CAR Vacation
  A lot of people don't know that, even if you make payments every month towards your credit cards, if your card balance stays near the maximum of your credit limit, that can lower your credit score. There are alternatives to consider before using credit cards when you need money.
  Published 18Mar2010, viewed 197 times

• The Effects of The Climbing Loonie
  For the past year the Canadian dollar has been slowly climbing as economists predicted it would. Many of its effects sit in the shadows. On the positive side, now is a great time to take that US vacation or buy that high-end item you've had your eye on. It is also a great time to look at getting a loan.
  Published 17Mar2010, viewed 208 times

• Take a Vacation without Taking on Debt
  Winter most certainly started early this year and by now most of us are in need of a holiday. Being as this is one of the most expensive times of the year for travel, it's advisable to sit and consider a few options before booking.
  Published 17Mar2010, viewed 282 times

• Let Your Car Buy You a House
  Have you thought about buying a home for your family, but are you having a tough time setting aside those extra dollars for a down payment? Think about using the cash value you have already invested in your vehicle to help you secure that down payment. It isn't as crazy an idea as you might think.
  Published 12Mar2010, viewed 185 times

• Credit Repair for Tough Economic Times
  Has the economic downturn of the last year or so flushed your own credit down the toilet? Think you'll never recover from your bad credit? Think again.
  Published 10Mar2010, viewed 182 times

• Tax Time . . . Panic Time?
  Do you panic every year when your taxes come due? Does it always seem like you owe the taxman at the end of the year? It doesn't have to be that way. A few small changes to how you handle your taxes can make this time of year a little less bleak, even with the weather . . .
  Published 10Mar2010, viewed 236 times

• Mending Your Credit Rating
  When the economy took a hit, it was only natural that individuals took a hit too. The sad reality is that thousands of people have struggled keeping a roof over their head and food on the table. In this struggle for financial survival, credit cards got maxed out and now the reality of not being able to get below the credit limit hurts.
  Published 19Feb2010, viewed 187 times

• The Lingering Holiday Financial Hangover
  The Christmas holidays may seem like a distant memory yet the stark reminder of overspending is not fading away anytime soon. You may have thought this was something you could manage on your own, but now that the new year is well under way the anxiety of not getting credit card balances lower than the credit limit is reality.
  Published 23Feb2010, viewed 231 times

• Are You in for Tax Troubles?
  Are you like thousands of others, cringing over the thought of having to file your 2009 income taxes because you know you know you owe? This annual anxiety strikes many people and it causes grief to so many because they know they don't have the money to pay what they owe.
  Published 18Feb2010, viewed 170 times

• Bad Credit Shouldn't Stop you from Getting a Loan for RRSPs
  So many people have held onto hopes of buying RRSP's but year-after-year, maxed credit cards and a bad credit rating has stood in the way of getting a loan from the bank to make an investment. This need not be the case any longer.
  Published 24Jan2010, viewed 215 times

• Car Repair Loans 101: What You Need to Know and Why
  Do you have bad or no established credit at all? If so, you'll be happy to know about a new kind of loan that is specifically tailored to you. It's called a car repair loan and it can be a lifesaver for those who need their vehicle to make ends meat.
  Published 23Jan2010, viewed 496 times

• Loans to Invest in the Stock Market
  Hearing stories from friends or work colleagues how their investment portfolio is growing due to the economic recovery inspires daydreams of becoming part of Bay Street and Wall Street's lure. Many stocks are low right now and getting into the stock market has become attainable for some people. If you have no extra cash and truly want to get in while some stocks are low then getting a loan may be an option for you.
  Published 22Jan2010, viewed 180 times

• Valentine's Day Loans: Getting the Ring of her Dreams
  With Valentine's Day right around the corner, love is in the air and the thoughts of popping the question are on the minds of many couples. If the credit cards are maxed and finances look bleak, there are alternatives to getting money to help make Valentine's Day a day she will never forget.
  Published 22Jan2010, viewed 159 times

• Loans to Improve Your Credit Rating in 2010
  If you're like thousands of others, last year was a bit of a financial disaster. Paying bills late, not making credit card payments on time, phone calls coming in reminding you to pay an account were common occurrences for so many people in 2009. As a result of these, credit ratings can take a beating.
  Published 21Jan2010, viewed 186 times

• Vacation Loans to Escape the Winter Blues
  The cold winter months seem to drag on and the thought of feeling the warmth of the sun brings a smile to the face. When checking out the finances, that warm sun quickly disappears with cloud cover and in some cases, those clouds are very dark. Vacation loans might just be what the weatherman ordered to clear away those clouds and seat you on a southbound flight.
  Published 21Jan2010, viewed 255 times

• The Debt Consolidation Conundrum
  Literally millions of individuals all over the globe are stuck in the credit card trap. For those who are struggling to even make minimum payments on their credit cards, debt consolidation may be the only alternative to bankruptcy.
  Published 15Jan2010, viewed 211 times

• January Bill Blues
  The holidays now seem like a distant memory but the stark reminder of all those fabulous gifts that were purchased is reality. Those credit card statements are a painful reminder that overspending can rapidly sink your financial well-being.
  Published 13Jan2010, viewed 174 times

• Holiday Financial Hangover
  There's only one hangover worse than the New Year's Day hangover and that's the credit card statement that just arrived. The sobering reality now takes hold; there are credit card balances that meet or exceed the balance limit.
  Published 07Jan2010, viewed 183 times

• Financial New Year's Resolutions: Make 2010 the Start of your Journey to being Debt-Free
  If you're like many people 2009 ended with financial stress and the start of the New Year isn't looking very bright. The holidays for many mean maxed out credit cards and payday loans leaving very little hope to stay above water let alone get ahead.
  Published 25Dec2009, viewed 284 times

• Is Bad Credit Dampening Your Holiday Season Plans?
  The holiday season is upon us and there is a high probability that many of us have already exhausted our credit limits, leaving little or nothing to go-ahead with the much-awaited season's shopping. For those with bad credit, avoiding the credit card trap is a must.
  Published 15Dec2009, viewed 212 times

• Bad Credit Doesn't Have To Leave You High and Dry
  Living off of credit cards, losing one or more income streams, and trying month after month to pay off pre-existing debt can lead many of us into the bad credit zone. With more and more banks turning a blind eye to even the most trustworthy clients unless they are presented with a stellar credit report, individuals are looking to alternatives like car title loans to climb their way out of murky financial waters.
  Published 06Dec2009, viewed 463 times

• Decoding Car Title Loan Misconceptions
  Most apprehensions regarding the use of Car Title Loans have arisen due to malpractices of some dubious Car Title Loan providers or due to misinformation about this form of financing. The most common mistake people make when evaluating Car Title Loans is equating them with conventional loans.
  Published 03Dec2009, viewed 561 times

• Getting Your Car Title Loan Basics Right
  If paying your weekly bills or monthly installments is becoming increasingly difficult and your credit ratings have made it impossible to seek short-term credit, you should consider obtaining a Car Title Loan. This is perhaps the easiest form of instant financing that is becoming popular across the globe.
  Published 03Dec2009, viewed 278 times

• Solving Your Short-Term Credit Requirement through Car Title Loans
  It is a commonly acknowledged fact that the ongoing economic crisis has eaten into the credit history of many people. Most financial institutions have been in a regulatory overdrive, upgrading their credit guidelines to extremely stringent benchmarks. So what is a person with less than stellar credit to do?
  Published 30Nov2009, viewed 246 times

• Creating a Budget that Works
  Budgeting is about sacrificing, right? Wrong. Budgeting is about enjoying the results of a well planned financial strategy. If you think of budgeting as the ultimate cut-the-expenses experience, you'll never make it. Depriving yourself completely of indulgences is not something that will provide financial gain; at the contrary, it may very likely lead you to abandon your budget completely just out of frustration for lack of rewards.
  Published 21Nov2009, viewed 210 times

• Practical Budgeting
  Budgeting is as difficult as dieting: keeping track of money spent is at least as challenging as keeping track of calories intake. That's why there is such a wide variety of budgeting software available today, but does it really make our life easier?
  Published 20Nov2009, viewed 210 times

• Overcoming Financial Difficulty
  Life is unpredictable and ending up in a difficult financial situation due to circumstances beyond our control is not only possible, but very likely to happen to anyone, sooner or later. A positive outlook and a good financial plan can go a long way.
  Published 18Nov2009, viewed 224 times

• The Importance of Financial Responsibility
  It is well known that when people fall into debt, lose their job, or experience financial difficulties for any reason, emotional trouble follows financial trouble with the same certainty sunset follows sunrise. Relationships are strained, bankruptcies are filed and dreams are dashed. For a period at least, the feeling of failure burns not only one's credit, but one's self-esteem - deeply.
  Published 15Nov2009, viewed 222 times

• Rebuilding Peace of Mind and Your Credit
  Many times - and way too often these days - we read or hear of someone in dire financial difficulties. Although most of the time the human reaction is to sympathize with the situation, the truth is that words we read or hear are hollow and abstract, no matter how hard we try to imagine being in the other person's shoes.
  Published 13Nov2009, viewed 211 times

• The Cost of Home Renovations
  No matter what kind of home you have, there are always renovations to be made. Whether you want to install a new deck, fix up your kitchen, or purchase a relaxing bathtub, renovations are simply a part of owning a home.
  Published 09Dec2009, viewed 280 times

• How to Take Advantage of the New Home Renovation Tax Credit Program
  Recently, there has been significant media exposure on the tax savings opportunity offered by the Home Renovation Tax Credit Program (HRTC). But taking advantage of this opportunity may not be as simple as one would think for those with bad credit.
  Published 07Nov2009, viewed 289 times

• How to Keep Your Truck on the Road
  Whether you drive an industrial-sized truck or a minivan, the principles of keeping your vehicle on the road are the same. In order to keep any kind of vehicle running, you need to adhere to a couple of tried and true truck rules.
  Published 28Oct2009, viewed 290 times

• What Good Credit Means
  Most people know that good credit is desirable. After all, most of us spend out entire lives trying to keep our credit on the plus side of things. Interestingly, good credit is not only important when it comes to gaining a great interest rate, but it's also important for a variety of other reasons.
  Published 22Oct2009, viewed 193 times

• Digging Up Your Down Payment
  Have you ever purchased any large item without putting down some type of down payment? From houses to electronic equipment, it's impossible to buy anything without spending some kind of cash - even if you sign up for a sixty day payment plan.
  Published 22Oct2009, viewed 203 times

• Why Buy a Home?
  There will come a time in every renter's life when buying a home seems more appealing than renting. But for those with bad credit, fixing existing credit issues may be the first step on the road to home ownership.
  Published 21Oct2009, viewed 266 times

• Spend Your Money Your Way
  When you apply for a traditional bank loan, you may (or may not) gain the money that you need, but you won't be able to spend that money any way that you want to. Many people often make the mistake of assuming that bank loan money can be spent in any manner - this is a mistake with consequences.
  Published 21Oct2009, viewed 335 times

• The Cost of Relaxation
  There's nothing quite like a nice relaxing vacation to soothe the sense and ease troubled winter minds. But of course coming up with the funds for said vacation is usually far from relaxing.
  Published 18Oct2009, viewed 322 times

• Keep Your Car or Buy a New One?
  What makes more financial sense: keeping your current car or buying a new car? When confronted with this decision, most people do not know which option to choose. Before you head to your local car dealership (or scrap yard) take a look at this financial breakdown.
  Published 18Oct2009, viewed 361 times

• Mobile Home Loan Freedom
  Did you know that you have to have a good reason to get a traditional loan? Banks will not dole out loans to anyone unless they know how you intend to spend loan money. Banks aren't willing to let borrowers spend loan money any way they choose, and this can be entirely frustrating. Now mobile home owners have an alternative.
  Published 17Oct2009, viewed 405 times

• Cut Yourself a Paycheck
  Are you in debt? If so, then you may want to start paying yourself. This may sound like a strange idea, but it's also an idea that financial consultants have been suggesting for some time now. When you decide to pay yourself a weekly salary, you will be able to accumulate money faster than you may think.
  Published 17Oct2009, viewed 241 times

• Canadian Credit Card Debt Not Improving
  According to recent polls, Canadians are not successfully managing credit card debt. In the past, Canadians were known for resisting credit card temptation, so what's changed? Simply put, the world has changed and an economic crisis is forcing Canadians to turn to credit cards for help.
  Published 15Oct2009, viewed 201 times

• Escaping the Winter Blues
  It's no secret that some parts of Canada get their fair share of snow, sleet, and slippery weather during the winter months. In fact, those that live in the eastern and northern parts of Canada are far more susceptible to depression, moodiness, and a general lack of Vitamin D than those that live elsewhere in Canada.
  Published 15Oct2009, viewed 247 times

• Use Your Mobile Home to Get a Loan
  If you currently own a mobile home, then you may be able to get a large loan to pay off debt, help with home renovations, or use in any other way that you see fit. Bad credit may prevent you from gaining a traditional loan using your mobile home, but this isn't always the case.
  Published 03Oct2009, viewed 486 times

• Why a Budget Makes Sense
  Nobody likes to think about the word "budget." For some reason, the mere thought of this word sends most people into instant panic mode. But, in the wake of our current struggling economy, a budget can be a useful tool that you may want to learn how to use.
  Published 03Oct2009, viewed 244 times

• The Cost of Repairing a Big-Rig
  Commercial owner-operators can earn a lot of money driving a truck, running their own business, and keeping abreast with the trucking industry. However, owning a big rig can also be a costly endeavour. The major problem with owning one thing that the rest of your business depends upon is, well, that the rest of your business depends upon that one thing!
  Published 28Sep2009, viewed 374 times

• Does Getting Out of Debt Take a Miracle?
  The world seems to be full of "get out of debt quickly" solutions, yet most of these solutions are nothing more than smoke and mirrors. This leaves a lot of people asking the question: does getting out of debt take a miracle?
  Published 29Sep2009, viewed 214 times

• How to Handle Credit Card Stress
  Everyone with credit card debt has a different story behind that debt, and how it came to be. Whether you managed to spend more money than you had during your youth or during your adult life really doesn't matter. What matters now is that you've finally come face to face with your credit card debt and made the decision to do something about it.
  Published 26Sep2009, viewed 740 times

• Personal Loan vs. Credit Card Debt - Weigh Your Options
  Have you ever thought about paying some of your bills with a credit card? Not only do many people pay bills with credit cards, but a lot of companies encourage this type of bill payment. After all, having your credit card information on-file is a great way for a company to ensure that they are always paid on time.
  Published 25Sep2009, viewed 1260 times

• Biggest Wedding Expenses (and How to Pay for Them)
  The average engaged couple spends nearly $30,000 on their wedding these days - that's the price of a new car. Interestingly, these couples are not splurging on the dress, cake, or rings, but they are finding ways to pay for lavish venues, photographers, and caterers.
  Published 17Sep2009, viewed 306 times

• Financial Crisis: Fighting Over Money With Your Spouse
  What's the number one thing that couples fight about? If you guessed "finances," then you are right. You and your loved one are not the only ones fighting over dollar and cents. Nearly every couple around the globe argues about money on occasion.
  Published 17Sep2009, viewed 223 times

• Drastic Debt Measures
  You probably know all about the different ways to reduce debt, but what if these ways are not enough? If you feel like you're swimming against the tide, even though you are paying your debts off as much as you can each month, it might be time to take some drastic debt measures.
  Published 15Sep2009, viewed 343 times

• Clearing Up Credit Card Debt
  Far too many people were never properly taught how to use credit cards, which is one of the main reasons why credit card debt is so abundant. Taking a few moments to learn about credit cards may help you to eventually clear your credit card debt.
  Published 14Sep2009, viewed 334 times

• Good Credit Report vs. Bad Credit Report
  You've heard about good credit and bad credit, but do you know what the difference is? Why do some people have "good" reports, while others have "bad" reports? Is there a way to determine what kind of report you have?
  Published 28Aug2009, viewed 1565 times

• Making Necessary Car Repairs
  Let's face it - cars are expensive. From regular wear and tear to intricate engine problems, cars can cost you a lot of money. The problem is that most people do not have enough money set aside to make necessary car repairs. This results in a car that doesn't run...and a job that's suddenly a lot harder to get to.
  Published 27Aug2009, viewed 311 times

• Life After Bankruptcy
  Life after bankruptcy involves picking up the pieces - one by one. While it's true that you may not be able to obtain most types of credit for three to five years, there are a lot of things that you can do to start building your credit once again.
  Published 26Aug2009, viewed 352 times

• Why Pay Your Bills on Time?
  It's easy to let your monthly bills slide when you need cash flow for other things.If you cannot make your monthly bill payments, don't wait until your credit has been ruined. Instead, look into the debt consolidation loans frequently offered by private lenders.
  Published 25Aug2009, viewed 348 times

• Saving for a Rainy Day
  economists are worried about the state of Canadian saving. At the rate that Canadians aren't saving, a large amount of the population will be in trouble when funds are desperately needed. If you're one of the many that just can't seem to save, take a look at these helpful tips that may help you when that rainy day finally comes.
  Published 24Aug2009, viewed 267 times

• Funding Your Child's Education
  Choosing the right school for your child is no easy task. While you want your child to succeed in life, you also don't want to empty your savings account. Is there a happy medium? Can you find a school that isn't too expensive, but also offers a great education? With the help of private lenders the even the best schools are possibilities.
  Published 21Aug2009, viewed 322 times

• Impossible Real Estate Investment Loans
  It seems as though everywhere you turn some newspaper or economist is announcing the end of the recession. While this may be true theoretically, little has changed as far as commercial real estate investments go. While traditional lenders are still holding on to their money with closed fists, there are alternatives for funding your real estate investments.
  Published 19Aug2009, viewed 1726 times

• The Recession is Over - Now What?
  If you've been watching (or reading) the news lately, you may have noticed that the recession is now officially over - or is it? Canadian consumers aren't as quick to run out and spend their hard-earned cash as they once were. In fact, many Canadians have learned some great lessons from the recent recession.
  Published 11Aug2009, viewed 409 times

• Furnish your New Home Without Credit Cards
  most people do not calculate the cost of furnishing a home when they take out home loans. To combat this issue, there are two possibilities: using a credit card or opting for a private loan. The first possibility, credit card usage, may sound appealing, but it might not be the right choice.
  Published 03Aug2009, viewed 308 times

• Mobile Home Renovation Ideas
  Renovating a mobile home is a good way to customize the space that you live in. Once you decide on the updates that you would like to make to your home, the next move is to decide how the project will be funded. For those who need money quickly, or who have bad credit, a title loan may be the best solution.
  Published 29Jul2009, viewed 924 times

• Interesting Investment Options
  Canadians that are currently investing large sums of money are also those that have unlimited funds to invest. But, what about those average Canadians that are seeking a good investment as well? For those that wish to join other "hands-on" investors, thanks to private lenders all hope isn't lost.
  Published 27Jul2009, viewed 279 times

• Fixing Bad Credit
  If you presently have bad credit, taking out a new loan might not seem too wise. However, this is actually a great way to improve your credit score.
  Published 23Jul2009, viewed 292 times

• Home Vacations - Great Cheap Ideas
  Are you wondering how you can afford to go on a summer vacation without breaking the bank? Here are a few simple tips on inexpensive vacation ideas and a great way to get the money you need to enjoy your vacation.
  Published 20Jul2009, viewed 307 times

• During Troubled Times Car Repairs Make More Sense
  This economic downtown is worldwide, which makes economic news in the United States the same (if not similar) to the events happen in Canada. According to a recent U.S. based survey prompted by AAMCO, more consumers are neglecting to purchase new cars. Instead, consumers are attempting to save money by repairing aging cars.
  Published 17Jul2009, viewed 313 times

• Funding a Home Business
  No matter how you look at it, starting a home business requires money. There are many different costs to consider when it comes to your own home business, so make sure to take out a pen and piece of paper in order to write down all the things that you'll need to start your business off on the right foot.
  Published 15Jul2009, viewed 351 times

• Affording a New Swimming Pool
  Splashing around in the summer sun is a great way to cool down and relieve stress. The only problem is that a swimming pool can be quite a hefty expense. In addition to finding ways to afford a new pool, it's also essential to narrow down the types of pools that are available.
  Published 11Jul2009, viewed 304 times

• Saving for Summer
  The first official day of summer is right around the corner, and that means lots of time to relax, unwind, and enjoy the simple life. Only, summertime also tends to be filled with lots of expensive trips, barbecues, and gatherings with friends and family. If you own a vehicle the solution to your money woes could be as simple as a car title loan.
  Published 20Jun2009, viewed 289 times

• Summertime Is Home Improvement Time
  The main issue holding people back from improving their homes is home improvement money. The good news is that finding some extra funds to improve your home is as easy as owning your own car. By applying for a car title loan with a private lender, you'll be able to use your car as collateral to gain the project money that you need.
  Published 17Jun2009, viewed 276 times

• Optimism on the Economic Horizon
  Regardless of the many things that various economists want Canadians to believe, the truth is that the economy is not really improving by leaps and bounds. A concrete example of the economic standstill is that average Canadian banks are not approving nearly as many loan applications as they once were.
  Published 15Jun2009, viewed 290 times

• Owning Your Mobile Home Land
  The vast majority of mobile home owners rent the space that their home occupies. If you have longed to own the land where your home rests, and have paid your homes in-full, you can own your land with a title loan.
  Published 12Jun2009, viewed 795 times

• Big Birthday Ideas
  Creating a memorable birthday for a friend or loved one is a great way to celebrate life. While small gift items are always appreciated, purchasing a highly desired larger item will make any birthday wish come true. You needn't deplete your savings or max out your credit cards though. A private car title loan is an optimal way to quickly gain the money that you need.
  Published 11Jun2009, viewed 290 times

• Home Improvement Loans: The Key to Selling Your Home in a Sluggish Market
  While every home seller should invest in making home repairs, most people skip this step due to a lack of funds. However, time and again it has been proven that making necessary home repairs and improvements will lead to a sale. So, what do you do? A car title loan may be the answer.
  Published 08Jun2009, viewed 266 times

• The Careful Canadian Balancing Act
  Even though most Canadians are managing to make mortgage payments, many are not finding the extra funds to put towards growing credit card balances. Private lenders that issue car title loans might be worth looking into for those that need some extra cash to pay down their growing debt.
  Published 07Jun2009, viewed 881 times

• Banks Increase Loan Provisions As Recession Deepens
  In response to bleak economic forecasts Canadian banks are creating more loan provisions than ever before. Small and large business owners know that they will be hard-pressed to gain much needed loans, which is why many are turning to private lenders.
  Published 05Jun2009, viewed 258 times

• Making Expensive Truck Repairs
  Owner-operators often have the best of both worlds. Not only do they own their own rigs, but they also work for themselves, which means that they don't have to split wages with any larger company. For the most part, this kind of trucking operation is a good idea. However, repairing a large truck can easily cost any owner-operator a lot of money.
  Published 20May2009, viewed 341 times

• Funding a New Business - Asset Based Loans for Business
  The current job market is unstable to say the least. With no end to this global recession in sight, more and more Canadians are opting to start their own companies. Banks used to be a viable way to obtain a small business loan, but in this economy, a private asset-based loan just might be the way to go.
  Published 20May2009, viewed 280 times

• Bankruptcy Burdens
  As Canadians search for ways to save money and pay down debts while avoiding bankruptcy, traditional lenders continue to deny loan applications. With no hope for a loan, and very little money saved, consumers are often left in the midst of a financial flood without a boat.
  Published 15May2009, viewed 217 times

• Canada's Attempt to Catch-Up
  While many countries across the globe are beginning to resurface from the depths of a global recession, this is not the case for Canada. In fact, Canada is amongst a group of countries that continues to decline. The supposed good news is that the "...pace of deterioration is decreasing" (Globe and Mail).
  Published 14May2009, viewed 257 times

• Car Repair Loans - Do They Exist?
  Car repairs are expensive and can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn't work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can't afford to pay for those pricey car repairs?
  Published 14May2009, viewed 313 times

• A Penny Saved
  As the old saying goes: "a penny save is a penny earned," but pennies seem to be rather scarce these days. In a collapsing global economy, attempting to save money seems like a logical idea. The only problem is that trying to find ways to actually save those pennies is somewhat confusing.
  Published 13May2009, viewed 245 times

• Canadians Aren't Out Of the Muck Quite Yet
  Even though there might be some kind of light at the end of this bleak economic tunnel, Canadian banks are not yet giving out loans as freely as they once did. On the contrary, traditional lenders are still holding onto their funds with a white-knuckled fist. This has prompted many consumers to head directly for private asset-based lenders that are more forgiving, and (perhaps) more optimistic.
  Published 10May2009, viewed 281 times

• The State of the Recession
  Since Canada's current economic crisis is a direct result of the situation occurring within the United States, Canadians can expect the economic situation within the next year or so to be just as bleak (if not bleaker) as it presently is. Banks aren't willing to gamble on consumers that might not be able to pay back loans, which means that a lot of consumers have been left dangling.
  Published 08May2009, viewed 259 times

• Credit Card Regulation Means Tougher Times for Consumers
  Non-traditional lending companies are now playing a crucial role within the lives of consumers thanks to the possibility of credit card regulation. As more and more banks strive to limit their losses, are consumers left to fend for themselves?
  Published 05May2009, viewed 236 times

• Weak World Economy Has No Silver Lining
  As banks drop rates and markets fluctuate, far too many people are left in the lurch. Hundreds have turned to credit cards for financial support. More still have turned to traditional lenders only to be turned back out on the street once more. Some are not aware that there are alternatives.
  Published 24Apr2009, viewed 274 times

• The Problem with Credit Card Debt
  Canadian consumers are consistently turning to credit cards to pay for car repairs, home repairs, and even everyday items. The problem with credit card debt is that this type of debt is a lot like quicksand for many consumers but there are alternatives.
  Published 24Apr2009, viewed 302 times

• Are Bank Loans Really Your Best Bet?
  With Canada on its way to posting one of the worst economic performances in its history, the banks are cutting interest rates like wildfire. This is great news for consumers looking to apply for a bank loan. However, fewer loans are being given to consumers with great credit, let alone those with bad credit. There are alternatives out there that can get you the money you need when you need it.
  Published 17Apr2009, viewed 380 times

• Is There Life After Bad Credit?
  Given the current economic state, finding a loan is now more difficult than ever before. Banks and other lenders simply aren't giving out loans to most people - even if those people have good credit. This news becomes worse if you happen to be one of the many people that have bad credit.
  Published 31Mar2009, viewed 264 times

• A New Category of Loans for those with Bad Credit
  If the thought of taking your vehicle off the road- that same vehicle that helps you earn a living- worries you, a car repair loan may be something to think about.
  Published 08Oct2008, viewed 346 times

• Bankruptcy is not the Only Solution
  If like thousands of others across North America you are swimming in debt, you may be considering filing for bankruptcy. Before you take this extreme course of action, which will have consequences for years to come, you should learn about consumer proposals.
  Published 25Sep2008, viewed 482 times

• Finding the Right Lender
  Often when individuals apply for subprime loans, they think only of the terms of that loan. Another important criterion to consider is the reputation of the lender. Choosing the wrong lender may turn your loan experience into one that you would prefer to forget.
  Published 22Aug2008, viewed 418 times

• Improve Your Credit Rating with a Car-Title Loan
  If you have bad credit, you may be finding it difficult to fix your credit rating since you can't get approval for unsecured loans and credit cards. A car-title loan is a secured loan that just may help you to repair your credit rating.
  Published 06Aug2008, viewed 494 times

• A Bad Credit Rating? What to do about it.
  Many with bad credit aren't aware that they have the ability to fix their credit rating. It takes perseverance and commitment in addition to time, but it can be done.
  Published 29Jul2008, viewed 333 times

• Keep Driving, Even when you can't Afford Your Vehicle's Repair
  In the past when our vehicles needed repairs that we could not afford, the only answer was to keep the vehicle off the road until we could pay for the repairs. Now there is an alternative solution in the vehicle repair financing industry.
  Published 23Jul2008, viewed 335 times

• Preparation for Your Loan
  When making a large purchase such as a home or a car, most people make careful calculations and preparations to ensure that they won't default on their payments. The same careful consideration should be considered when applying for any loan.
  Published 17Jul2008, viewed 296 times

• Why Would I Consider a Car-Title Loan?
  There are many reasons why people may need money urgently, but many of these individuals don't know that there is an alternative to falling into the credit card trap when attempting to solve this problem.
  Published 14Jul2008, viewed 450 times

• How to Get Money when you have Bad Credit
  When you're in a bind and need money urgently, but are unable to seek help from traditional financial institutions due to your bad credit, what can you do? A car title loan just may be the right solution for you.
  Published 11Jul2008, viewed 469 times

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