Through both professional and personal experience, I have come to know how critically important it can be to have a proper enduring power of attorney document in place when it is needed.
To properly explain these, and to clearly delineate the authorized activities of an “attorney”, I asked an expert, Cynthia Hiebert-Simkin, LL.B., a lawyer at [...]

Mortgage rules tightening, life insurance rates rising, IIROC arbitration limits increasing.
Over the past couple of weeks, there have been a number of small and large changes to rules and rates that could affect your personal financial planning. Today we will look at mortgage rules, rising life insurance rates and a big change to the maximum [...]

If you are the owner of an incorporated business which produces active business income taxed at the small business rate, then consider taking no salary in 2011.
Don’t panic – I don’t expect to live on nothing. I’m suggesting that you take dividends instead, but only as much as you need for your personal family living [...]

So, here I am on the Equifax website, looking at my actual credit score and the factors keeping it from being higher.
Good news is that, according to Equifax, “It is extremely unlikely that your applications for credit would be turned down, based on your score alone.” I did OK.
That’s reassuring. However, I am still a [...]