Saving on Water, Electric, and Phone bills

October 30, 2011

Many want to save money on electricity expenses, home heating costs, and home utilities. This does not only save hundreds and thousands of dollars on bills but benefits the environment. The first thing to do is to use less electricity at peak times. Peak hours are during the day, and utility companies charge clients a [...]

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Knowing the Financial Basics of Renting a Place

October 23, 2011

If your landlord lives below, your apartment borders a flea market/ railway track, the shower cabin is in the kitchen (there are such places), and it is five of you living in two rooms, this is probably not the best deal in town. Yet, renting a place of your own – although it is five [...]

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Investing When You Have Little Disposable Income

October 10, 2011

The Canadian Payroll Association has published a study according to which, 57 percent of working people in the country would be in trouble if their paycheck were delayed by just one week. The percentages are higher for single parents and workers 18 to 34 years of age. It is clear that most Canadians do not [...]

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Things You Shouldn’t Do with Your First Credit Card

October 2, 2011

Applying for your first credit card is a milestone in your life. In the Western world, it represents a coming-of-age moment. Of course, plenty can go wrong at such moments. We will start with what you should do, and then go on to the no-nos of first credit card applications.  First, it is recommended to [...]

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What to Do with Credit Card Offers in Your Mailbox

September 27, 2011

The most obvious answer to this question is to toss them as soon as you open the mailbox, but it is not necessarily the right one. There are ways to make something of these credit card offers, which may appear useless at first glance. One way to take advantage is to carry out a credit [...]

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Most Important Questions to Ask Your Creditor

September 18, 2011

Whether you are just starting to deal with credit and loan issues or are already in debt, there are certain things you should be informed about. Your creditor is obligated by law to provide you with this information. It is always recommended that you make more than the minimum payment on your credit card or [...]

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Do You Need a Formal Agreement for a Family Loan

September 11, 2011

For some people, it may feel awkward asking a family member to sign a formal agreement before you loan them money. It will probably feel awkward to you too, if you are reading this. However, if you have made the decision to give a family member a loan for whatever reason, you can prevent misunderstandings [...]

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How to Save Money on Car Rental When on Vacation Abroad

September 5, 2011

It is hard to go on vacation abroad without renting a car. A car will give you complete freedom and the flexibility to explore the attractions and other sites of interest. This is even more important if you are going on holiday with your family. Of course, car rental costs are never just limited to [...]

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Handling Bankruptcy After Divorce

August 30, 2011

You are not alone. A lot of Canadians file for bankruptcy after finalizing their divorces. This occurs every year and happens when one or both spouses are not able to make credit card payments and rack up other debts due to insufficient funds or other reasons. If this is the case, you have every right [...]

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Covering Medical Expenses Post Retirement

August 21, 2011

Healthcare costs in retirement can be quite shocking. As you age, your body becomes more vulnerable to diseases. Along with that, we are witnessing the consistent increase of medical expenses year after year. Despite the fact that many health insurance funds catering to Canadians, including the Canadian government itself, offer coverage, many pensioners still have [...]

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