If you borrow money for a car and can’t pay it back, the lender will take the car. If you borrow money for education and can’t pay it back, do we take away your degree? Of course not. But when graduates in many fields cannot find an appropriate job and student debt continues to go…
So far in this series, we’ve talked about the basics of budgeting and of borrowing. Now it’s time to discuss saving and investing. Here, as usual, the government has both blessed and cursed us with their complex programs. Canada’s charities program is in my view a world-class piece in our tax regime. Once you give…
Having spent many years in finance, I can recall young (and not so young) people coming to me for loans for cars, and couples looking for mortgages. Going through the application process was often the first time they were asked what they owed and what they owned, how many places have they lived in the last…
Many people are currently in challenging financial situations. Employed folks are worried about their jobs and might be working in new ways – from home, part time, work sharing or, worst of all, not working at all. Self-employed folks have had their activities severely affected with sales significantly reduced, greatly affecting profitability. A lack of…
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