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Know Your Rights: Credit Unions in Canada

What Are Credit Unions? A credit union is a cooperative financial institution that is owned by its members. Most credit unions offer financial services that are similar to those offered by banks. For example, you can likely open a chequing or savings account at a credit union. You also have access to loans and credit services as well as many other financial services, such as credit or debit cards, depending on the particular credit union. One maj...
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Getting Finances in Order in 2018 & Canada’s New Mortgage Rules

Ask the Experts: January 2018 Happy New Year! Now that 2018 is officially here, many people are looking towards the future and making plans for the next twelve months. Unfortunately, a lot of people don’t feel comfortable talking about finances, budgets, and other financial plans. However, these discussions are important. Everyone has questions, and no one has all the answers. By openly discussing your financial situation and asking questions whe...
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Know Your Rights: Mortgages

Understanding your Rights When You Get a Mortgage in Canada Congratulations, you’ve found your dream home and you’re ready to sign the deal and move in! First, you’ll likely need financing. When you’re getting a mortgage, it’s important that you don’t get too wrapped up in the prospect of buying a new home and forget that you have rights. Federally regulated financial institutions are required to provide you with certain information in writing on...
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Know Your Rights: Your Bank

Your Bank and Your Rights Most people don’t spend a lot of time thinking about their bank. However, under Canadian law, you have several rights when you are dealing with a federally regulated financial institution, such as a bank. This means that, if a bank violates your rights, you can contact the Financial Consumer Agency of Canada to discuss your situation. It’s important to note that, while some credit unions are federally regulated, most cre...
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Figuring Out How Much You Owe

Truly Understanding Your Debt If you have a lot of debt, you may find it difficult to deal with it all. In fact, one problem that many people have is that they don’t know exactly how much they owe and who they owe it to. Because of this, they’re also not entirely aware of how long it will take them to repay their debt, how much interest they are paying, and several other aspects of their debt. This makes coming up with a plan difficult. Knowing a...
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New Mortgage Stress Test Will Hurt Already Financially Stressed Buyers in 2018

Real Estate Investors Financial Issues Could Get Worse in 2018 The Office of the Superintendent of Financial Institutions (OSFI) is expanding stress tests for all insured mortgages, not just those where a buyer has put down less than 20 percent of the purchase price. This change comes into effect on January 1, 2018. However, the OFSI has stated that “approved loan applications occurring between October 17, 2017 and January 1, 2018 might be subjec...
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Seven Signs That You Have Too Much Debt

Knowing the Signs of Too Much Debt Almost everyone has some debt of some kind. In general, if your debt is manageable, it’s not necessarily a bad thing to have debt. However, once your debt becomes too large, it becomes a problem. So how much debt is too much? This depends on your situation. There is no set dollar amount that is too much. Some people are fine handling $10,000 of debt or more, while others have difficulty with $1000. Here are some...
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Avoiding Financial Scams

How to Avoid Common Financial Scams You work hard for your money, so of course you want to keep it. Unfortunately, there are a lot of people out there who want to take advantage of others. These scammers don’t care that you’ve worked for your money, they just want to take it from you. So, you’ll need to be prepared. To protect yourself, you’ll want to be aware of some common scams and have the information and tools that you need to verify any pot...
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Know Your Rights: Auto Insurance

Understanding Auto Insurance If you drive a vehicle, you have auto insurance. Unfortunately, despite the fact that auto insurance is such a big part of everyday life, not to mention required to drive, not many people are aware of their rights when it comes to this insurance. Here is some information that you’ll want to know about auto insurance. Auto Insurance is Required by Law in Canada Each province in Canada requires that drivers have auto in...
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Why You Should Talk About Your Finances – And Your Debt

The Importance of Talking About Money Most people don’t talk about money. From how much they earn, to how much they spend, to how they budget, people don’t like talking about finances. Not only are a lot of people worried that others may judge their money habits, but it’s also frequently considered “impolite” to discuss money, budgeting, and debt. However, there are many benefits to talking about money with your loved ones. Not talking about mone...
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