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ASKROSS
Dear Ross: We live with our parents now after selling our own house two years ago. They are having difficulty making their mortgage payments (it’s a HELOC with a balance owing of $372,000), and we have all agreed Loras and I will assume some ownership of the house and formally help out with the mortgage....
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Question: Hi Ross, there are lot of financial software programs out there. I just recently noticed that RBC has a “budget” component in their online banking system. What are your thoughts? Are they useful or superficial? Would I be exposing too much info by working within their system? Thanks, Malcolm Answer: Hi Malcolm Thanks for reaching out – I...
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Questions: Dear Ross: How come TD Bank has notes in their system about my personal bankruptcy from 2003? My credit bureau is absolutely clean; score 765; no blemishes, yet I can only get a secured visa from my own bank after all these years! Thanks, confused in North York. Answer: Dear confused: Everyone tells you a...
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GM wrote – Hi Ross, I’m upset about a warranty issue and would like your thoughts on this subject though it does not pertain to any of your topics you usually handle. Last year in December I purchased a router for about $52 and now the wireless part of the router does not work anymore. After extended testing, talking...
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Dear Ross  Recently a friend asked me many questions about LIRA’s and LIF’s, and I did not know how to answer him. Seems this is more complex than RRSP’s and RRIF”s. Can you help? Whenever I am asked a question about something I don’t deal with everyday, I look to see if I know a...
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Dear Ross I am having great trouble using my Aeroplan reward points. I was offered a round trip to OZ this morning via Tokyo and Beijing for the bargain price of 1.4 MILLION Aeroplan points!!!!!  Not even all Business class 2 economy and 1 BC leg…whew! As you know, a business class reward to OZ ...
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Pay off huge debts with home equity A lady called me a few weeks ago inquiring if she was a bankruptcy candidate. She and her husband were in serious arrears on their property taxes – over $25,000 – and their municipality was threatening foreclosure. Compounding the stress was around $100,000 in unsecured debts – credit cards...
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