No-Pet Clauses in Leases Lack Teeth

No-Pet Clauses in Leases Lack TeethPets. Landlords don’t want them in their properties. Tenants can’t live without them. Unfortunately, the law in Ontario just makes it worse for everyone. Under the law, you can’t prevent a tenant from bringing a pet into your property, unless it is a condominium and the building declaration says no pets. So even if a landlord and tenant sign a lease that says no pets, the tenant can bring 2…

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Cross-border banking made easy

Cross-border banking made easyCanadians are always looking for better ways to bank in the U.S. Snowbirds need a U.S. bank account to take care of the bills at their condo. Canadian shoppers want easier ways to pay their Macy’s or J.C. Penney account after cross-border shopping sprees. Opening an account at a U.S. bank is an option, but you might not be able to get a U.S. credit card because you don’t have…

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Helping Your Aging Parents Deal With Financial Planning

Helping Your Aging Parents Deal With Financial PlanningYour parents have been offering security, comfort and assistance throughout the years and it is now time to give something back. Elderly people will feel overwhelmed by financial planning and making sure that they have enough retirement resources. Assisting your aging parents with financial planning will require a bit of research and the desire to examine different strategies. Good financial planning is all about personalization. Have a Talk about It…

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Advance Planning For Life After College

Advance Planning For Life After CollegeA young friend of mine is currently in her senior year of college, where she is majoring in high school education. I guess you could say she was really “lucky” and came from a poor family. This meant that she qualified for a program through our state that provided free tuition, room and board, and money for textbooks and some incidental expenses for four years. Of course, there were stipulations…

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Making a Lot of Money – The Opportunity to Not Be Broke

Making a Lot of Money - The Opportunity to Not Be BrokeI hate to be the one to break it to you, but making a lot of money does not guarantee that you will have financial success. Of course, it could mean that you reach financial greatness. It is possible that you make enough money so that all of your dreams come true. Yes, making a lot of money can be a great thing…but only if you play your cards right….

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Working as an Employee and Making the Best of It

Working as an Employee and Making the Best of ItHave you ever thought about going into business for yourself?  Have you found the one special product or service that would enable you to be your own boss?  Have you ever wondered how you could turn the dream of working for yourself into a reality?  If you answered yes to any of these questions, were you able to succeed? Well, I haven’t.  I work for someone else.  I have a 9-5 job…

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Credit Card Shopping

Credit Card ShoppingExcerpt courtesy of The Family Finances When was the last time you went credit card shopping? No, I don’t mean when was the last time you went shopping and paid for it with your credit card. I mean, when was the last time you went shopping for a credit card? If you’ve been using the same credit card for a number of years, it might pay to take a look…

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Student Debt Biggest Stress

Student Debt Biggest StressA poll of post-secondary students who borrow to pay for their education suggests 58 per cent expect to graduate with close to $20,000 in debt while another 21 per cent expect to owe more than $40,000, the Bank of Montreal said Friday. The poll done for BMO done last month also suggests more students – 27 per cent – are most stressed about paying for school, higher than the 22…

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The Engagement Ring Worry – How Much to Spend?

The Engagement Ring Worry - How Much to Spend?A few weeks ago, I was talking to the man next to me on the train and the topic of engagement rings came up – or more specifically – how much a man should spend on a ring. My instinct was to suggest one month’s salary, because even at minimum wage in British Columbia, that’s over $1,600. But he insisted it would be appropriate to spend at least three months’…

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Secured Credit Cards Can Help Build Credit History

Secured Credit Cards Can Help Build Credit HistoryNewcomers to Canada can have a very difficult time getting a credit card because they don’t have a  credit history. Building up a positive credit history is a good idea because it will make it easier to get a line of credit, a loan, or a mortgage later on.One way to do that is with a secured credit card as long as you understand how it works. Here are a…

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