Category

ASKROSS
Using Credit Cards To Start Rebuilding Damaged Credit Each week I receive calls and emails asking me for help in rebuilding damaged credit histories. Often, s/he has come off (or is still in) a consumer proposal, or debt settlement or personal bankruptcy and is truly starting from ground zero. How to rebuild your credit history...
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Published:   •  William Asks: I’m Paying Off a Consumer Proposal. Was It a Mistake To Stop Using My Secured Credit Card? I am currently paying off a consumer proposal. My situation is, after filing for a proposal I got a secured BMO MasterCard. I used that card for about one year into the the...
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A Bankruptcy Trustee Is Opposing a Mortgage That We Were Advised to Register Against My Parents’ Home to Protect Their Equity. What Can We Do? Dear Ross, two years ago my parents ran into debt problems and went to see an insolvency ‘expert’. He reviewed their information and informed them the equity in their home...
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Published: • Reader Asks: “Can We Work With You As Our Broker If We Live In Kitchener?” Hi Ross: We are buying our first house in Kitchener this summer, and we decided we would like your help with our mortgage, as we are regular readers of your articles. But we are concerned about the distance...
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Are budgeting tools offered by banks useful? And do they track what you’re inputting? 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...
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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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Aeroplan Rewards are not always a great deal! 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...
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