Money does not make us happy—but constant worry about lack of financial security can make us miserable. Women often enter their 40’s (and beyond) with a murky financial picture. We have put a great deal of our energy, earning time, and cold cash into being there for our children, our spouses, our family, and even […]

The primary purpose for producing this piece was to try and demystify the job of a Mortgage Broker. By now everybody that has a mortgage has heard about Mortgage Brokers. Whether they have decided to use the services of one is a completely different topic altogether. Having said that, the market share of borrowers ‘using […]

While you may have a mortgage approval, your mortgage doesn’t actually fund until the day you close on your new home. During that period of time, keep the following tips in mind to ensure a smooth closing. 1. Be careful about taking on additional credit, i.e., new credit cards or “Don’t pay for one year” […]

This one time advance will allow you to make the changes you need to make your home perfect! Have you been trying to find that almost perfect home? All homes have their flaws and imperfections. Some consumers can deal with these deficiencies in a home, but for others this can be a deal breaker. Maybe […]

My goodness a lot can happen in a month. I am really excited to share with you about the adventures that Bullying Ends Here has been on over the last 30 days. It was on October 23rd that I worked until 6am. Having just finished a 13 hour shift, I have never had more energy. […]

Buying a home is one of the biggest financial decisions you will make, especially if you are buying your first home. So it is important to know your current financial situation and ensure you buy a home you can afford while still enjoying your life. For that reason I always recommend all home buyers talk […]

Very often, the first question is “what can I afford”. To answer this for a person getting ready to buy, we need to know about what is happening now, income, bills, savings, credit score etc. There are many positive things that you can do in the year or two prior to buying. It is always […]

Paying off your home should be a priority, no arguments there. Are you concentrating on that goal so much that other retirement savings plans are on the back-burner until you’re comfortably mortgage free? Does this give you a level of diversity that protects you from economic or market fluctuations? There are two schools of thought […]

As politically popular as it is to spew “soak-the-rich” rhetoric during an election campaign, the reality is that it is a very inefficient way to raise revenues or to address income inequality. Indeed, it will actually shrink the economic pie. It provides a disincentive to entrepreneurial spirit and work effort and it will make it […]

THIS JUST IN, MORTGAGE INTEREST RATES ARE…..and there it is again…headline news about another low rate from one of the main lenders. But what does it all mean and why does it continue to grab the headlines on the evening news? It probably comes as little surprise that mortgage financing in Canada is big business […]