Pay Yourself First: AutoMagic Bill Payments

Pay Yourself First: AutoMagic Bill PaymentsI was reading another site and saw that someone has written a book or is charging folks to learn how to make their personal finances automatic so in response to that, here are some simple ideas (for free (and thus worth every penny you paid for it)) to automate bill payment for your personal finances. I offer these ideas as a heuristic methodology, your mileage may vary, and with all…

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Should I Start the Smith Manoeuvre?

Should I Start the Smith Manoeuvre?As this blog has quite a bit of content regarding the Smith Manoeuvre, I often get reader questions regarding how to start the Smith Manoeuvre, and when is a good time to start.  I have answered the “how” in the past, but what about the “when”? What is the Smith Manoeuvre Before we get started, lets take a couple steps back and explain what the Smith Manoeuvre is to newer…

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Steps To Buy A Home For The First Time Home Buyer in Canada

Steps To Buy A Home For The First Time Home Buyer in CanadaBuying a First Home can be a very stressful & scary time for most Canadians. This article will be outlining the step-by-step First Time Home Buying process I work through with my clients. As a Real Estate Specialist my goal is to provide First Time Home Buyers with the most qualified information possible. I enable you to purchase with ease and have full understanding of the process you have to…

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Canadian Mortgage Concerns: Banks

Canadian Mortgage Concerns: BanksI’ve often heard in business that once is a coincidence, but twice is a trend. Canadian banks have performed quite well both during and after the credit crisis of 2008/2009 and despite a low interest rate environment have had robust mortgage numbers for a number of consecutive years. We’ve all heard Canadian politicians touting the health of the Canadian banking industry but I have to wonder at which point problems…

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Mortgage rates creeping up, a sign of things to come

Mortgage rates creeping up, a sign of things to comeIf you’ve been listening to the news then you know that posted mortgage rates at some of Canada’s biggest banks have edged up .35 %, you can read about it HERE AT CTV. To put it in more tangible terms that equates to about a 7% increase in carrying costs as compared to current rates. Our fragile economic recovery hinges on the ability of consumers to take on debt, and…

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