#personal finance canada

[themoneysavvyblog]

Understanding Reverse Mortgages in Canada

A reverse mortgage is an increasingly popular financial tool among Canadian homeowners aged 55 and older. It allows you to unlock the value of your home without having to sell it, providing you with funds to supplement your retirement income, pay off debts, or cover unexpected expenses. Here, we’ll break down how reverse mortgages work, their benefits, and potential drawbacks to help you make an…

[jadacreditscorerepair]

Building credit or Business Credit profiles to get an 800 credit score does not not happen overnight…

But it’s very simple when you understand how the credit algorithms work!

Love helping people!!!

[jessiewalterr]

Why Are These Canadian Penny Stocks Gaining Market Attention Today?

[esnatfinancialservices]

Get fast and quick Installment Loans Online in Canada with Esnat Financial Services. Our installment loans are designed with your preferences in mind. Visit our website to know more!

[100dayproductivity]

15/100.

Inertia. Why? Because my priority for today was to go do some in-person Christmas shopping and I'm lazy to go. I don't love shopping and then there's the whole getting there and back part of it. However, I do want to get my kids a couple more things and this is the only week I'll have time during a weekday daytime to go. I absolutely want to avoid any shopping on an evening or weekend! And the closer we get to Christmas, the worse it's going to get. So... I need to get my butt in gear and just get it over with! (I should probably tell myself it'll be fun, too.)

In other news, I sent my kid a schwack of money to pay for tuition+board+a bunch of other fees. Listen, if you are a parent to a small child and you do not yet have an RESP set up for them, you need to do it stat! (Assuming you're Canadian, not sure what education funding options are available elsewhere in the world.) Look, you put $2500 of your own money into the plan per year and the government gives you $500. That's 500 free dollars every year you contribute from your child's birth until they turn 18. You can catch up if you miss years too, up to 2x$500 per year. Listen, you gotta look into this. We opened up an RESP for my kid when she was born and now we have the cash for 100% of her costs (tuition + living expenses) for the next four years. This means she doesn't have to stress about finding a part-time job, she can 100% focus on her studies. If she does end up earning money while a student, that's hers to use for whatever she wants, such as travel, a down payment on a house, or perhaps to help fund her little brother's education cuz Idk how much will be left for him by the time he graduates high school 😅 (Nah, I'm kidding, we've saved up for his education also.)

So that's my little personal finance tip of the day. Now, let's do some shopping!

Updated to-do list:

Gmail account sign in.

Buy new charger for Pixel phone.

Buy mason jar lids.

Check previous clinic's paperwork to see which lens they recommended.

Transfer kid the money. ✓

Go to bank. ✓

Do up invoices. ✓

Recurring:

Alternate heat and ice on foot.

Do hamstring stretches.

Reference: https://www.sports-injury-physio.com/post/top-5-stretches-plantar-fasciitis

Roll out knots in leg muscle.

Do Sun Salutation x5 - 0/5

Take inhaler

[tamarindfever]

Source for further perusal.

[urgentkash]

Huge News! Putin to wave 23 billion in debt for african nations! Read full story here: https://urgentkash.com/financial-news

[themoneysavvyblog]

Sinking Funds Explained

The term “sinking fund” is relatively recent in the world of Personal Finance. What is a sinking fund, and should we have one? Let’s find out! Definition In Personal Finance, a sinking fund is money set aside for specific goals/purposes, usually on a short-term basis, i.e. from 6 to 18 months. Basically, it’s planned savings for planned spending. We all have 1-time big expenses, or expenses…

[jadacreditscorerepair]

3 months in my program & my client was able to walk out of the dealership with a BRAND NEW 2025 Car🚗🚘 All you have to do is Trust the Credit Repair Pricess.

[canadianlic]

Choosing a Whole Life Insurance Beneficiary in Canada is a critical decision that ensures your loved ones are financially protected. Your beneficiary will receive the policy's death benefit, providing long-term security. When searching for Whole Life Insurance Quotes, consider how different policies may impact your beneficiary's payout. To find the best coverage, compare Whole Life Insurance Quotes and work with trusted advisors to make an informed choice for your family’s future.

[neyatimes]

University of Waterloo, Canada: 24-year-old suspect charged with stabbing 3 people during gender studies class at Canada's University of Waterloo in 'hate-motivated' attack, police say

CNN  —  A 24-year-old student has been charged with stabbing three people during a gender studies class at the University of Waterloo in Canada this week in what police are calling a “hate-motivated incident.” The suspect, Geovanny Villalba-Aleman, is an international student who recently graduated from the university, Waterloo Regional Police Service Chief Mark Crowell said during a Thursday…

[cashloanscanadainc]

You can apply for a mobile home loan through a bank, credit union, or other lender that offers these types of loans. But Cash Loans Canada INC application process is easy and provide you best loan option in Mont-Royal.

[reallyromealone]

Title: end of beginning

Fandom: Yuuri on ice

Characters: Yuuri on ice ensemble

Fic type: series

Pairings: Chris x male reader

Warnings: male reader, reader insert, angst, reader is dense, slight fluff, reader has features technically but that's for plot, reader is in love but doesn't realize

Notes: you are going to look like Yuuri, you're siblings but reader will have some differences to make up for it for plot purposes

🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️🕯️

Every few months, the two brothers would schedule to meet up for lunch, Yuuri moving to Russia and (name) living in Canada made things hard but the two made it work.

"This is Chris and you remember Phichit!" Yuuri introduced them as (name) shook their hands, Yuuri always teasing about how westernized his brother had become but (name) knew he was happy for him.

"Pleasure to meet you, how are you enjoying Canada?" He asked as they sat down and Yuuri grinned "everytime I visit, it's like it's completely changed but hasn't at the same time!" He liked Toronto, he associated it with his brother so therefore it was perfect.

"Very loud! And the lake smells" Phichit said simply and (name) chuckled "yeah, it smells really bad... Apparently it's because of pollution" (name) was so casual and calm as he spoke, body covered in tattoos and looking at them they were obviously siblings, same smile... Though (name) looked considerably more wild and trendy where Yuuri looked more refined and conservative.

"An artist?" Chris seemed curious as (name) beamed and pulled out his phone to show all his work on Instagram "I work with all sorts of mediums-- I always try new things" Chris could see the passion in his words and his art spoke for him, it was genuinely quite impressive as Phichit was already looking through it and liking every photo "whoa! You made a sculpture of (insert celebrity)!" He gawked as he showed the photo to the others "yeah, it was for an auction..." (Name) Said shyly, Chris could now see the personality similarity.

Both were very bad with compliments.

The four chatted for about skating and life and by the end, (name) had two new numbers in his contacts as Chris kept getting closer to him "you got good cologne..." (Name) Said bluntly as he sniffed the others jacket, Yuuri sighing at the fact that Chris was clearly flirting with his brother and (name) was a dense fucker who had no qualms with getting closer to people.

"You can come to my hotel and smell it better if you like~" Chris teased and (name) raised an eyebrow and tilted his head "maybe when I see Yuuri again you can give it to me" he said simply and smiled at the other, Chris was a little shocked at how dense he was "anyways, I better get going! It was nice seeing you!" (Name) And Yuuri hugged and the other two watched how tightly they hugged, clearly missing one another.

Yuuri always worried for (name), the man tended to isolate himself in his art as he and Viktor went back to Canada two months later to check on him "(name)?" Yuuri called as he looked around the large apartment, his brothers works giving him the finances to afford this place. "Wow..." Yuuri said as he walked into the livingroom area where (name) stood in a messy t-shirt and joggers, feet bare as he painted with his bare hands on a large canvas..." Is that Chris?" Viktor asked his husband who nodded, the two looking around to see that the Japanese man had painted and drew amongst other forms of media, works of Chris everywhere.

"(Name), what the fuck" Yuuri said in Japanese, looking around in shock "oh... Hey" (name) said casually, exhausted but somehow still standing and painting "want to explain ALL THESE PAINTINGS" Yuuri waved his arms around to the paintings as Viktor let the siblings to at it "great dimension, (name)!" Viktor said pointing to a landscape painting and (name) looked proud of himself "he has excellent facial proportions, like drawing Aphrodite..." (Name) Smiled as he looked around "I don't know why... He's just perfect for painting... He's a muse"

Yuuri and Viktor looked at each other, the two knew (name) well enough to know what this was, Viktor only a few years but Yuuri... He knew what this was.

(Name) Never really shown interest in others, always in his own world and tended to do his own thing.

He was in love, even if he didn't know he was.

Yuuri ordered food for his brother, knowing the fucker didn't know how to cook for the life of him.

"How do you survive without being able to cook" Viktor said slightly horrified and (name) huffed "I can cook the important stuff! Like rice!" He said indignantly as Yuuri rolled his eyes "yes yes, you can cook the thing you ate everyday" the two siblings bickered as Viktor drank his coffee and watched, his brother in law being a shitling (fondly) as Yuuri scolded him "ordering party servings of food and eating it over a week isn't good!"

"It's called efficiency!"

It was nice despite the bickering, to see the love between the two.

"Do you even talk to him?"

"We talk like daily" (name) said crossing his arms "he's quite a chatter, though he keeps talking in cryptic messages" he said showing the texts where Chris was just blatantly flirting "I don't understand it at all!"

"(Name), never change" Yuuri said simply and his brother looked confused before looking at the messages with a squint.

Yuuri and Viktor looked at the paintings, they were detailed now to the light freckles on the Swiss man's face during the summer, (name) must have been looking at those photos intently as Yuuri set down drinks "how much was that one painting again?" Viktor asked and (name) shrugged "you can just have it if you want" he said simply and Viktor was gonna leave a few hundred, he was not taking that painting for free.

"So what brings you back so soon?" (Name) Asked curiously, sipping his iced coffee as he sat incorrectly on a chair "you have been radio silent for two months, you sent me a single picture of a snail and said 'hes for rizz' and nothing else" Yuuri said incredulously and (name) nodded "lil man had mad game with the lady snails" he said like he was inspired by the snail and Viktor felt the need for a drink with his brother in law "(name) you basically dropped off the face of the earth, you don't do that.. Im worried"

(Name) Sighed and closed his eyes for a moment before opening them "I don't know, genuinely... I got lost in my art and... Mari messaged me... I'm just freaking out" he said softly and looked at his brother "sorry for ghosting... I'm just --- mari wants me to visit and I have been putting it off for forever and I just don't want to deal with mom and dad"

It was no secret to Yuuri and Viktor that (name) had a complicated relationship with the Katsuki parents, it was partly why he moved to Canada.

"We can go together next month, how about that?"

"...fine..." He said simply and Yuuri hugged him, the conversation moving to other topics and the two ended the visit with a photo taken by Viktor who smiled at the brothers, no one realizing the painting of Chris in the background as it was posted.

"It's like looking in a mirror" Chris said simply as he stared at the photo of his friends.

He needed to call Viktor.

[allthecanadianpolitics]

So if a trans American person has transphobic parents that beat them daily, controls their finances and other abusive things, and since America might implent project 25 if Trump wins and maybe he will put trans people in camps. They might have a hard time escaping to Canada without any support, a sponser or much finances. Seems fucked up. Lots of immagrints are escaping dire situations. Enslaved people on that unground railroad, used to escape here but things were still pretty racist and not perfect here. Seems like we haven’t improved much.

Yes, unfortunately Canada makes it hard to claim asylum due to transphobia: