Pre‑Authorized Debits vs. Interac: Best Way to Pay Recurring Bills

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Pre‑Authorized Debits vs. Interac: Best Way to Pay Recurring Bills touches everyday decisions Canadians make with their money. This guide explains the…

ByJohn Wilson2 hours ago

Debt Saving

Using a HELOC Responsibly: Rules to Avoid Debt Spiral

Using a HELOC Responsibly: Rules to Avoid Debt Spiral touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn…

ByJohn Wilson18 hours ago

Saving

ETF Distributions 101: Cash, DRIP, and Phantom Income

ETF Distributions 101: Cash, DRIP, and Phantom Income touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on…

ByJohn Wilson22 hours ago

Saving

GIC Ladders: Smoothing Rates Without Losing Liquidity

GIC Ladders: Smoothing Rates Without Losing Liquidity touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or…

ByJohn Wilson1 day ago

Banking Saving

Building an Emergency Fund: Where to Park the First $1,000

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Building an Emergency Fund: Where to Park the First $1,000 touches everyday decisions Canadians make with their money. This guide explains the…

ByJohn Wilson2 days ago

Banking Saving

Intro Offers vs. Ongoing Value: Picking a Cashback Card That Lasts

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Intro Offers vs. Ongoing Value: Picking a Cashback Card That Lasts touches everyday decisions Canadians make with their money. This guide explains…

ByJohn Wilson2 days ago

Banking Saving

How Credit Card Grace Periods Actually Work in Canada

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. How Credit Card Grace Periods Actually Work in Canada touches everyday decisions Canadians make with their money. This guide explains the idea…

ByJohn Wilson2 days ago

Debt Personal Finance

7 Tips To Rebuild Your Credit In Canada

As a Canadian, you know that your credit score is an incredibly important aspect of your financial health. It can affect everything from your ability to get a loan or mortgage, to the interest rates you'll pay on those loans. If you have a low credit score, it can feel like you're stuck in a…

ByJohn WilsonJanuary 20, 2023

Personal Finance

Transunion VS. Equifax

Table of Contents Why Are My Credit Scores Different?Different Credit Products Different Scoring Models Data Lag TransUnion History Equifax History So, Why Are TransUnion And Equifax Important? How Do I Check My Credit Score With TransUnion And Equifax?Free Credit Reports Paid Credit Scores Credit Card Companies And Banks What Is The Difference Between…

ByJohn WilsonJanuary 9, 2023

a tenant signing a lease and getting the keys

Investing Real Estate

How To Credit Check A Tenant In Canada In 7 Steps

As a landlord in Canada, it's important to thoroughly credit check your potential tenants before signing a lease agreement. Not only is it a good way to ensure you're getting reliable and responsible renters, but it can also help protect your property and finances. A credit check is a small price to pay for the…

ByJohn WilsonJanuary 6, 2023