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Smart Financial Planning for Parents

Smart Financial Planning for Parents

If managing money is one of the hallmarks of being an adult, a lot of us are falling short. According to CNBC, more than one-third of all Americans do not have any kind of financial plan, which includes retirement and preparation for any kind of financial emergency. What’s more, we carry too much consumer debt.

How to Pay Off Your Debt

Let’s talk about the elephant in the room that gets swept under the rug all too often when discussing our finances: personal debt. Our bills for borrowing can suddenly rack up as we establish new lines of credit and loans. A 2017 poll conducted by Ipsos noted that Canadians with any amount of debt averaged $15,473 of consumer debt1.

How to Make Passive Income

Human beings spend on average 229,961 hours in our lifetime fast asleep. Imagine how much money we could have made with all of this time at our disposal!

7 Habits to become a Millionaire

The thought of being a millionaire feels like a distant, unattainable dream. The lingering self-doubt within the majority of us assumes those that are rich surely must be smarter than the rest of us regular folks, right? Well, that is not always the case.

Annuities

As you reach the back stretch of your professional career, retirement savings will jump to the forefront of your mind. You want security - a guarantee that you will be covered long after you have stopped working - and stability. Annuities offer just this, yet they remain the most underutilized retirement product in Canada today.

How to Build Good Credit

Credit scores are Canadian’s financial identity - it is the three digit number that informs future lenders, creditors, or employers how financially responsible an individual is. This score will dictate a person’s ability to rent an apartment, buy their own home or vehicle, and qualify for loans at reasonable interest rates.

Tips for First Time Home Buyers

Purchasing a home can be an overwhelming ordeal for first time buyers. Not only is buying a home the largest investment you will make in your lifetime, but it is also an incredibly complex process with endless intricacies popping up along the way.

Protecting Your Intellectual Capital

Many people, who have achieved success and wealth through their business, have done so with their intellectual capital. What exactly is intellectual capital? This is the sum of the business’ hidden assets, such as its human resources, knowledge, intellectual property, and all of the client and stakeholder relationships that bring immeasurable value to the company.

How is my Credit Score Calculated?

From the moment you apply for that first credit card or loan and your credit history commences, financial institutes and lenders will eagerly track your credit score. This score impacts almost every facet of Canadian’s lives - it determines your ability to rent an apartment, buy your own home or vehicle, and qualify for loans at reasonable interest rates.

5 Common Financial Terms - You Probably Should Know

If you’re just starting to take charge of your financial future, it can be stressful approaching financial planning with confidence. Do you ever talk to your bank or financial manager and think that they’re speaking a foreign language?

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