Category

Private & Second Mortgages
Published: • Recently I received an email from someone complaining she could not get out of debt.This perked my curiosity, but if you read on, you will also understand why. “Dear Ross I am a hard working immigrant living in my own home with my mother and my sister’s family. They pay me rent, but...
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Force yourself to manage your finances No one else is going to do it for you. It’s one of your biggest day to day responsibilities – yet many people have no plan, and no clue. Okay what does this mean? Am I talking about the dreaded “budget” word? Everyone talks about budgets and very few...
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Build and maintain an amazing credit history When the time comes to borrow money (buy a car, buy your first home, sign a rental agreement, etc.) you will be offered the best terms and lowest interest rates if your credit score sings like an angel. And if you ever find yourself in financial stress or...
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Credit score needs a quick increase Hi Ross, I have a client who wants to close a couple of NEW credit card accounts for the purpose of adjusting their overall credit balance to credit limit ratio. Is that a good idea? Don’t close the cards unless a lender insists. The quickest fix bar none is...
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Credit card charged monthly for phone app Dear Ross, my teenage son has a cell phone which I pay for, and also has a supplementary visa card from my bank. I am trying to teach him how to use such things responsibly, but it seems he “accidentally” subscribed to a premium service on his iPhone,...
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So many times when I meet homeowners in debt stress, the first thing they say is they intend to keep their house – come hell or high water. “Find us a solution Ross, but we insist on tying your hands behind your back in the process.” In some cases, it’s actually quite doable. If, after...
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Mortgage Free Retirees Need a Bridge Loan Dear Ross, we finally decided to sell the family home in Markham and move to a waterfront condo near Oakville, Ontario. It just didn’t make sense to maintain a four bedroom house, when it’s just the two of us. Our purchase closing date is September 6th, but our...
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