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How to Live a Debt-Free Retirement Retirement is the perfect time to spend your hard-earned savings. But it will be difficult to do so if you start this new chapter of your life with debt. Unfortunately, retiring with debt is actually quite common, with 4 out of 10 Canadians doing so. Though retirees carry less … Continue reading How to Live a Debt-Free Retirement
Amortization By PAUL MURPHY. Paul Murphy is a 20-year financial veteran and Managing Partner at 4 Pillars. What Is Amortization? Amortization is the length of time where you’ve agreed to have the loan paid in full. In general, the longer the amortization period, the lower your monthly payments. While most Canadians opt for long amortization … Continue reading Amortization
As I wrote previously, the Financial Consumer Agency of Canada (FCAC) was established in 2001 by Financial Consumer Agency of Canada Act to: “ensure that financial institutions, external complaints bodies and payment card network operators are supervised by an agency of the Government of Canada so as to contribute to the protection of consumers of … Continue reading The FCAC – a finger in the dam?
We hear this question all the time; what is a consumer proposal, and how will it affect me? A consumer proposal is a formal arrangement filed by a licensed insolvency trustee (LIT) under the Bankruptcy and Insolvency Act (BIA). It is a viable alternative to bankruptcy if your debts do not exceed $250,000 (not including … Continue reading What is a Consumer Proposal?
To put it simply – If you are facing an overwhelming amount of debt that you are unable to repay, filing a consumer proposal might be a good option for you to consider. You should, however, review all options available and compare the pros and the cons of each. It can be tricky to get … Continue reading Who Should File a Consumer Proposal?
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