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canadians Tagged Articles
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Debt Consolidation and Refinancing – Is it Right for You?
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| Debt consolidation and refinancing is a common desire of many Canadians these days. One reason may be because of high levels of debt, but beyond that, refinancing is simply a sensible idea. Making the effort to refinance by taking equity out of your home during a time like this when interest rates are high could save you up to 17 percent every month, just on interest! |
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How Your Crappy Bad Credit Home Loan is Fixable
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| If you are like most Canadians, most of your income is dedicated to paying off credit card bills, car loans, and that new plasma TV. Rather than saving for a rainy day, it is practically hard-wired into our DNA to spend, spend, and spend on short term pleasure. |
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Self Employed Mortgage | Business for Self Mortgage | Alt-A | CMHC Self Employed Simplified
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| As the number of self employed Canadians grows, so do their options for obtaining a self employed mortgage. Traditionally, to obtain a no income verification mortgage, a virtually impossible down payment of 35% is required. Now there are other options with much more reasonable rates. Many times, business for self mortgages will require that you have at least two years of self employment tenure, but that is not always the case. Depending on how long you were employed and what kind of work you did before you became self employed, you may still qualify. Also, other options like an Alt-A mortgage, low doc mortgage, and stated income mortgage are all options for the self employed. If these options sound more manageable to you as a self employed Canadian looking for viable mortgage options, read on. |
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Strategy of Eliminating Debt through our Consolidation Method
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| If you are like most Canadians, most of your income is dedicated to paying off credit card bills, car loans, and that new plasma TV. It is in our DNA to spend money on pleasures we can enjoy today, rather than saving for that rainy day. |
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The Importance of Your Credit Rating – More than Just a Number
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| For far too many Canadians, a credit score is some number that seems to move arbitrarily in different directions, impacting their ability to make large purchases or even to find work. It’s important to understand the mechanism behind the importance of your credit rating, in order to work towards improving it if necessary. This should not be a mystery. What many people don’t know is that they have a legal right to view their credit rating, which allows them to take their financial well-being into their own hands. |
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Business for Self Mortgage – See Your Options
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| As the number of self employed Canadians grows, so do their options for obtaining a self employed mortgage. Traditionally, to obtain a no income verification mortgage, a virtually impossible down payment of 35% is required. Now there are other options with much more reasonable rates. Many times, business for self mortgages will require that you have at least two years of self employment tenure, but that is not always the case. Depending on how long you were employed and what kind of work you did before you became self employed, you may still qualify. Also, other options like an Alt-A mortgage, low doc mortgage, and stated income mortgage are all options for the self employed. If these options sound more manageable to you as a self employed Canadian looking for viable mortgage options, read on. |
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How to Recover from Bankruptcy in Canada – Chapter 11
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| With the global economy in a sore spot, many people in Canada and beyond are finding it difficult to get out from crushing debts and even getting a mortgage after bankruptcy in Canada. More and more Canadians are finding that their only choice is to declare bankruptcy, which at the very least offers some relief. The drawback is that credit is destroyed, making it difficult to obtain the funding needed for larger items such as cars or a mortgage. Fortunately, there are a series of steps that one can take to recover from bankruptcy in Canada after filing for Chapter 11, though it does of course take some time and effort. |
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The Ultimate Canadian Capitalist: Gerry Schwartz is Born
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| “I’ve always liked transactional things,” says Gerry Schwartz. “And I always knew that I’d go into business. But the person I was in high school wouldn’t recognize me today. I had no inkling, not even a slight one, of building a company as large and as much fun as Onex.” |
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Getting The Hole Story: How Joyce Came To Dominate The Donut
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| Thanks to Joyce, Canada has been called by some the “Timbit Nation.” Even the Royal Canadian Mounted Police have an unofficial radio code for Tim Hortons, as 10-99 or “Tango Hotel.” Every single day, for a product that costs just pennies to make, Tim Hortons brings in revenues of over $2 billion. How was this young boy from rural Nova Scotia who grew up on welfare able to become one of Canada’s most celebrated and successful businessmen?
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Lesson #5: Pride Can Power Your Company
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| “I’m a nationalist who believes huge opportunities are lost with every head office departure,” says Schwartz. “We need to make things easier for Canadian-based companies. And I’m not talking about a lower dollar. That just sells our labour cheap.” |
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Brokering Broadband: How Matthews Achieved Serial Success
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| A journalist once suggested to Mathews, “The standard wisdom is that Canadians are more risk-averse than Americans and therefore less aggressive.” Matthews’ response? “Okay, so I suggest you write some articles to stay that’s bullshit. Canadians need to just get on with it.” |
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Is the framework for an Avro Arrow type demise of the Natural Health Products industry in Canada being laid by Bill C-6?
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| As part of the series on Natural Health Care products and the Bill C-6 controversy, today’s post delves a little deeper into the key elements of the growing debate. (Note: Why is this important to the world of purchasing and supply chains? When the Avro Arrow program was canceled on February 20th, 1959, it immediately put "14,528 Avro employees out of work, as well as nearly 15,000 other employees in the Avro "supply chain" of outside suppliers.") |
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The Wealth Mindset: How to Profit when the Economy is Down
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| When the economy shifts our natural tendency is to respond with fear and anxiety. We think that an economic down turn means profits will drop, jobs will be lost and times will be tough. But there are those who profit during a recession. Learn how to profit when the economy is down when you have the wealth mindset. |
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Home Based Business Fills the Gap in Canadian Recession
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| Home based business fill in the gap left by job insecurity during Canada's newest economic recession. Canadians have not suffered the job losses that workers in the USA are facing. Finding a job in Canada is far more difficult as companies look at cost saving and trimming expenses. Up to 31% of the workforce believes that either they, or someone they know, will be laid off in the coming months. Job security all but disappeared in Canada after the last recession in 1991. Employers wary of unpredictable economic conditions started outsourcing and contracting as many jobs as possible to trim costs. In the blink of an eye, the perception of job security was revealed as a very weak concept. Entrepreneurship is growing as more people prepare to start a home based business. |
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Connect the dots. Use Your Web Site to Make Your Ads Work Harder.
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| Right now in Canada, almost 85% of the population uses the Internet and it’s safe to say this number will continue to expand. So why wouldn’t you use your web site to support the advertising you do in all other media? You do have a web site, right?
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Steps To Starting A Canadian Home Based Business
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| With today's economic standing and costs relating to childcare and travel, more Canadians are looking for employment opportunities from home. Having a home-based business lets the family be together more now that you can set your own hours, cutting daily living costs you would have if you were working outside the home. |
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Working at Home in Canada - Are the Rules that Different?
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| Starting a business (which is what working at home is in most cases - a self-employed business) can be overwhelming all on its own, but when you throw in the fact that most of the information you read isn't written with you or your country in mind you might get a little discouraged before you even begin. There's no need to do so. |
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CANADA IS A COUNTRY OF MEDIOCRITY
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| Having been closely watching the American presidential race with a great deal of interest, and have to say being fascinated even enthralled by a number of the speeches, I recalled having read an article in the newspaper last year quoting a study or report that concluded Canada was a “country of mediocrity.” It stated that we are not particularly innovative, creative or willing to step up and take risks to move our society forward and become more of a leader in the world.
Just what is really being talked about here? |
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Canada’s Global Face - New Market Opportunities at Home
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| In the past 14 years 3.1 million people have immigrated to Canada and these people are not from the traditional European communities (In that period approximately 800,000 immigrants were from Europe, and the UK). This can create new opportunities for companies seeking to increase their market share at home and overseas.
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Seven Ways to Put Juice Back Into Your Job
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| Are you out of sync with your current job or work environment? Here are some ideas to get re-energized and put the juice back into your career and your life.
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Why Over 1 Million Canadians file their taxes late every year
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| You will read about the top 10 reasons most Canadians file their taxes late (or not at all). See how you can avoid being one of them! |
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