Cell Bills Impact Credit

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As you may know, credit reporting agencies collect all the data on your loans, lines of credit and credit cards to create your credit report and calculate your credit score.

Does it Make Sense To Refinance?

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It may be tempting to look at today’s relatively low mortgage rates and consider refinancing to get a better rate.

Certainly, if your existing rate is significantly higher than today’s rates, this might make economic sense.

 

How to Feel Good Every Day

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One thing we as human beings have in common is a desire to be happy, healthy and wealthy.

In other words, all people want to feel good and avoid feeling bad. Makes sense, right?

The problem is, most people don’t feel good.

According to a recent study, the rate of antidepressant use among teens and adults (people ages 12 and older) increased by almost 400% between 2005–2008.

We’re called Prozac Nation for a reason.

Here are 5 simple steps to feel good every day…

How to NOT Retire Broke

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According to a recent survey, out of 100 people who start working at the age of 25, by the age 65:
1% Will be considered wealthy
4% Have adequate capital stowed away for retirement
3% Will still be working
63% Are dependant on the fed, friends, relatives or charity
29% Are dead

Sad but true. How about you? Have you ever wondered how much money you need to retire comfortably? Are you concerned about your financial future?

If so, I totally understand. It’s not your fault. You’ve probably heard a million opinions and got free advice (usually worth about what you pay for it) and you’re more confused than ever.

That’s OK. Help is on the way.

With the right plan and the right advisors, you can position yourself, and your family, on the path to financial security.

Here’s how to do it…

Tax Advantages of Dividend Income

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Are you planning on setting aside extra savings in the near future?

When you’re building savings for a long-term goal like retirement or education, keep in mind the tax implications of your investment.

If you’re earning bank interest, you pay income tax on that interest. But if you invest in stocks that pay a dividend, you can reduce taxes and keep more money for financial goals.

Here are the tax advantages of dividend income…

Your Mortgage Shouldn’t Come with Handcuffs

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Your mortgage shouldn’t come with handcuffs!! Learn how a mortgage broker can help you choose the best mortgage to suit your needs now and in the future. Call Monica Peckford at 604-483-1718 for details today

Reverse Mortgages Powell River

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Unlock equity in your home with a CHIP reverse mortgage for Canadians 55 and over. Call me at 604-483-1718 for a free quote!

The Right Reasons to Refinance

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While there may be a good reason to refinance your home, it’s essential to refinance strategically, so you avoid placing your family at greater financial risk.

When Things Don’t Go as Planned…

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OK, today we’re going to talk about an unfortunate but common challenge that many homeowners face…

You see, when you and your partner get together and jointly buy a house, it’s only natural to assume everything will be “happily ever after”.

But the sad truth is many relationships eventually end in separation, and that can have a dramatic impact on your mortgage.

Here are some potential scenarios to consider…

The #1 Wealth-Building Habit

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As you know, there are lots of ways to “skin the cat” when it comes to building wealth. Frankly, it can get downright overwhelming when you start to think about all the options available.

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