#Debt Consolidation Alberta

[fishdonald]

Empower your finances and break free from debt in Edmonton. Explore complete settlement and expert financial help to take charge of your financial future.

[urgentkash]

Meta to ban news related posts on their Canadian social media platforms. Read full article here: https://urgentkash.com/financial-news

[hookedonyonics]

and similar to how exercise helps you sleep better which means you have more energy to see people which means you might eat a nice meal together etc etc, it all builds together...

once you (a) lower as many fixed expenses as possible (b) reduce non-fixed spending you will quickly start to accumulate savings. I know it's very bootstraps to be like don't get a coffee on the way to work but like. if you saved $3/work day, in 30 years you will have saved over $22,000 (if you get a coffee every day, not just work days, you would save over $32,000). if you cut your phone bill by $20, in 30 years you will have saved over $7,000.

once you have an emergency fund saved, then you can save enough to buy a used car outright. once you own a car that isn't on payments, you can lower your insurance tier and save another $50-$150/month.

like with mental illness, there is a lot out of your control and the hardest part is the beginning. it just gets easier and easier the more you do it.

you know how indulgent, wallowing mental health messaging ("I can't just yoga my depression away") has thankfully shifted to an understanding that diet, exercise, fresh air, socializing, and productivity will lift your mood and help alleviate and manage with other symptoms?

i feel like there is a strong indulgent, wallowing message right now re: personal finance... like yeah okay the avocado toast vs buying a house thing is stupid but like. you do actually have to try. some of this is in your power. you just don't want to have to face that a lot of this problem is in your control and if you made some sacrifices you could get some relief and make some progress.

[seoblog4]

Instant Cash When You Need It: Online Loans in Alberta

Life is full of unexpected expenses - a car repair, medical bill,short term loans in newfoudnland or urgent home repair can arise at any time and put a strain on your finances. In these situations, many Albertans are turning to online loans as a convenient and fast way to access the cash they need.

The Rise of Online Lending in Alberta

The online lending industry has grown rapidly in recent years, providing Albertans with new options beyond traditional banks and credit unions. These online lenders offer a streamlined application process that can get you approved for a loan in as little as 24 hours.

"The convenience and speed of online loans is a big draw for our customers," says Karen, a financial advisor based in Edmonton. "Many people don't have the time or ability to go into a bank branch these days. Being able to apply for a loan from your smartphone or computer is a game changer."

What Types of Online Loans Are Available?

Alberta's online lending market offers a variety of loan products to meet different financial needs:

Personal Loans: These flexible loans can be used for any purpose, from unexpected expenses to debt consolidation. Loan amounts typically range from $500 to $50,000.

Payday Loans: For those who need a smaller, short-term cash injection of $100 to $1,500, payday loans can provide quick access to funds. These loans are designed to be repaid on your next payday.

Line of Credit: Similar to a credit card, a line of credit gives you access to a pool of funds that you can draw from as needed. You only pay interest on the amount you borrow.

Auto Loans: If you're in the market for a new or used vehicle, an online auto loan can get you pre-approved before you visit the dealership.

The Application Process

Applying for an online loan in Alberta is a straightforward process:

Research different lenders and compare interest rates, loan amounts, and repayment terms.

Complete a short online application, which typically requires details like your name, income, and bank account information.

Receive a lending decision, often within 24 hours. The lender will let you know if you're approved and for what amount.

If approved, the funds are typically deposited directly into your bank account within 1-2 business days.

Things to Consider

While online loans provide fast access to cash, it's important to borrow responsibly. Review the full terms of any loan, including the interest rate and repayment schedule, to ensure it fits your budget. Only take out what you can reasonably afford to pay back.

Overall, online lending has become a popular option for Albertans who need quick access to funds.bad credit loans in bc By doing your research and borrowing wisely, you can take advantage of the convenience and speed these loans offer.

[creditdocca]

How Can Yukon Residents Achieve Debt Relief?

There are numerous methods available to Yukon people who want to decrease their debt. To begin with, regulate the amount of debt you have by assessing your financial status. Debt consolidation, which combines numerous debts into a single payment with perhaps lower interest rates, and consumer proposals, which let you bargain through creditors for smaller payments, are common debt relief choices in Yukon. Choosing the appropriate course of action and making a strategy to restore financial constancy can be greatly aided by speaking with a certified failure trustee or credit counselor in Yukon.

Options for Debt Relief throughout Canada

Saskatchewan and Quebec's Debt Relief

Residents of Quebec who are having financial matters might look into bankruptcy, consumer proposals, and debt consolidation, amid other debt relief strategies. By combining several debts into one easier-to-manage payment, Debt relief Quebec can lower total interest rates and streamline your financial commitments. Speaking through a certified credit counselor or insolvency trustee will help you control the best course of action for your conditions.

In a alike vein, Debt relief Saskatchewan provide choices such as consumer proposals and debt consolidation. Debt consolidation can help Saskatchewan occupants save money on interest and simplify payments. You can select the finest course of action for reaching financial stability by consulting through local financial experts.

Debt Reduction in Nunavut and Debt relief Northwest Territories

Bankruptcy and debt consolidation are dual of the debt relief substitutes obtainable to residents of the Northwest Territories. Combining your bills into a single, expectable payment will help you make sense of your financial promises. Bankruptcy in the Northwest Territories proposals a way to erase your debt and start over if you need relief that is more drastic. Speaking through a certified insolvency trustee will help you obtain specific guidance and assistance.

Similar debt relief choices, such as debt consolidation and bankruptcy, are obtainable in Nunavut. While bankruptcy offers a way out of more serious financial problems, Debt relief Nunavut enables you to syndicate numerous bills into a single, lower-interest payment. You can steer these possibilities and find the utmost fit for your situation through the help of local financial professionals.

 Alberta and Debt relief Yukon

Consumer proposals and debt consolidation are two potentials for debt relief obtainable to Yukon residents. Consolidating your duties into a single payment will help you accomplish your finances more effortlessly and possibly even save money on interest. In Yukon, consumer offers provide a means of bargaining through creditors for a more feasible payback agenda. You can select the optimal course of action by speaking with a financial specialist.

 Debt consolidation and consumer offers are additional selections forDebt relief Alberta. In order to lower interest rates and the amount of payments required, citizens of Alberta can advantage from debt consolidation. In Alberta, consumer proposals offer you the chance to work out a lower debt repayment schedule through your creditors. You can efficiently achieve your debt and restore financial stability by looking for advice from a certified insolvency trustee or credit analyst.

Ontario and British Columbia Debt Consolidation

Debt consolidation British Columbia provides a workable way to handle several debts by lumping them all together into one payment. This can lower interest rates overall and make money management easier. In Ontario, debt consolidation facilitates debt payments and may result in reduced interest expenses. When selecting the best Debt consolidation Ontario plan for your circumstances, financial advisors in both provinces can offer insightful advice and helpful assistance.

[atlanticcanada]

New Brunswick holding onto $41 million in security deposits from tenants

The New Brunswick government has amassed nearly $41 million in security deposits collected from residential tenants in a practice that is unique in Canada and that critics say needs to change.

The latest annual report from Service New Brunswick showed security deposits sitting at $40.9 million for the 2021-22 fiscal year, up from $36.4 million a year earlier. It is unclear from the numbers how much of the total came from people who had moved out and were entitled to get their deposits back.

Under provincial law, a landlord can require a deposit of up to one month's rent to cover possible damage caused by the tenant. Amendments introduced in 1983 dictated that the province would oversee the collected deposits.

Nichola Taylor, chair of the New Brunswick branch of housing rights group ACORN, called the province's practice of holding onto the security deposits problematic. She said the process of recovering a security deposit is overly complicated, which could explain the swelling sums in provincial coffers.

"What are they spending it on? They are certainly not spending it on making the housing situation better," she said. "You would think if they have all that money stored that money should be going back towards housing to help tenants and to decrease the crisis of affordable housing that we're currently in."

Taylor said that when someone ends a lease, they have to fill out a form requesting their security deposit back from Service New Brunswick. The landlord has a week to decide how much of the money will be held back to cover damages. If there is a dispute, the matter goes before a tribunal.

She and her family experienced the "struggle" of trying to get their money back last year after they changed apartments in Fredericton. Just to request a deposit's return, she noted, people need the tenant number they were assigned when the deposit was made. "We didn't know what ours was," Taylor said. "We managed to find it in the end. But it's just a really long process that's unnecessary, and it causes you a lot of stress."

After a back-and-forth with the Residential Tenancies Tribunal, she said it took more than two months to get back her deposit.

The process is especially burdensome for seniors, newcomers, those who are not intricately aware of the rules and people on fixed incomes who are depending on getting the money back, Taylor said.

"You're not going to understand how to do all that unless you call the Residential Tenancies Tribunal and then you are on hold for ages. It's just unnecessary, very complicated, and very stressful."

A request for comment from the office of Housing Minister Jill Green received no response. Jennifer Vienneau, spokeswoman for Service New Brunswick, said no one was available for an interview but provided an emailed statement.

She said the money collected for security deposits goes into the province's consolidated accounts. There is no data available on how much interest the province earns from the amounts collected, but Vienneau said short-term interest earned from the deposits "offsets the costs of servicing the public debt."

The Tenant and Landlord Relations Office, which has replaced the Residential Tenancies Tribunal, is responsible for handling security deposits and holding them until they are claimed, she said. When tenants move out, it's their responsibility to contact Service New Brunswick to claim their deposits, Vienneau added.

A survey of all Canadian provinces by The Canadian Press showed that New Brunswick is the only one where the government holds onto security deposits.

In British Columbia, the landlord must return the security deposit within 15 days and pay interest from the time they collected the deposit. Any deductions for repairs should be agreed upon in writing with the tenant.

In Alberta, landlords must pay interest on their tenants' security deposits at the end of each tenancy year as determined in a formula set out in regulations. The landlord has 10 days after the tenant leaves to return the damage deposit along with a statement detailing deductions and interest paid.

Yukon, Nunavut, Prince Edward Island and Nova Scotia also require landlords to pay interest on the security deposit. In Saskatchewan, interest is payable to a tenant by a landlord for tenancies over five years.

Megan Mitton, housing critic for New Brunswick's opposition Green Party called the province's system "weird" and said she was shocked at what she called a lack of accountability.

"The system needs to be more clear, and needs to help people get their security deposits back. It's not right for it to be so difficult," she said. "The other thing is that right now, the government is using renter's money as an investment, basically, for government profit. They need to pay back people's interest to them that's rightfully theirs."

Taylor said the entire system in New Brunswick is tipped in landlords' favour.

"We want to see this changed to be a more simpler process because it's not helping tenants whatsoever," she said. "We are seeing tenants struggle to get their damage deposit back."

This report by The Canadian Press was first published July 6, 2023.

from CTV News - Atlantic https://ift.tt/Mm3HQfD

[trinitydigest]

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[fishdonald]

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[college-girl199328]

Real estate is a hot topic in Canada. Most Canadians of how home prices and rents have skyrocketed in the last 15 years. In large cities, investor ownership of condos and houses has attracted the attention of policymakers and the public, prompting the federal government to crack down on foreign buyers.

While many are familiar with these urban real estate trends, few of the restructuring of farmland ownership in rural areas. Since 2014, we’ve been studying changing land tenure patterns in the Prairies, where 70 percent of Canada’s agricultural land is situated.

Our research reveals three ongoing farm consolidations, increasing land concentration and expanding investor ownership of farmland — leading to growing land inequality. Like the transformation of urban real estate, who benefits from these changes is highly contested.

Investor purchases of farmland worldwide increased significantly as part of the global land grab spurred by the food price spikes of 2007 and 2008. High food prices, growing global demand for food and environmental pressures convinced many that farmland was a safe bet in an increasingly volatile world.

As hedge funds, pension funds and wealthy individuals poured billions of dollars into farmland, researchers like us began to write about the financialization of agriculture — that is, the growing influence of financial players over farming and food production.

Our research found that investor ownership of farmland in Saskatchewan was negligible and had climbed to nearly one million acres by 2018 — almost 18 times the size of Saskatoon. (A million acres is about 4,050 square kilometres). While Saskatchewan sought to tighten rules on farmland ownership in 2016, this seems to have done little to slow down the pace of investor acquisitions.

Robert Andjelic, an investor from Alberta, is now Canada’s largest landowner with 225,435 acres in 92 Saskatchewan rural municipalities. His company leases farmland to dozens of farmers “land improvements,” such as clearing trees, brush and another natural habitat, as well as filling in wetlands to farm from corner to corner of every parcel.

Another major investor is Avenue Living, which has a foot in both urban real estate (as the owner of multi-family housing units across North America) and farmland, with a portfolio of some 83,000 acres.

As investors gobble up more land, there is growing unease among farmers. Investors argue they are helping farmers by relieving them of their assets and providing young farmers with access to land through rental agreements. Given that, on average, investors pay more for land than other buyers, these deep-pocketed buyers have undoubtedly contributed to the rapid increase of farmland prices.

In farmland markets, 83.2 percent of older farmers indicated that investor activity has the local community. Farmers also expressed unease about the growing economic clout of large farmers (over 10,000 acres) and mega-farms (over 30,000 acres) in the region.

Investors are not the only entities with vast landholdings. Some of Saskatchewan’s largest grain farms have tens of thousands of acres. According to our research, Monette Farms owned some 63,000 acres of land in farms than that sites in Montana, Arizona and Saskatchewan.

One Organic Farms reportedly operates on a land base of 40,000 acres, with the large majority of the land rented from Andjelic Land Inc., Saskatchewan’s largest investor-owner.

Land inequality has significant implications for the vibrancy of democracy, the viability of rural communities and the sustainability of agriculture.

Accessing land is currently the for young and new farmers who want to get into farming prices continue to soar above what is justified by their productive value. At the same time, farm debt is the highest it’s ever been prairies are experiencing an emptying out of the countryside.

We should also be concerned about the financialized logic promoted by investors and mega-farmers, which seeks to extract monetary value from every square inch of farmland.

Given that agriculture emissions, doubling down on this hyper-productive, fossil-fuel-dependent model will for Canada to meet its climate change commitment.

The question is: what kind of agriculture do Canadians want? Growing land inequality undermines the social, economic and environmental sustainability of agriculture.

Progressive agrarian and food movements propose a different future for food sovereignty. This would entail equitable access to land for farmers, sustainable livelihoods and valuing farmland for its social and ecological productive value.

As the climate crisis intensifies, there has never been a better time for urban and rural Canadians to work together to transform food systems.