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BUYING A HOME
Is a 30-Year Amortization Right for Your Mortgage?
The federal government recently opened up the option of a 30-year amortization period to a much larger number of homebuyers. Let’s take a look at the pros and cons of a 30-year amortization period and whether it might be a good option for you.
Start Saving for Your First Home
Learn more about this investment account that gives first-time home buyers a tax advantage option to save for a down payment. Contributions to the account are tax-deductible while income and gains are tax-free!
The Mortgage Stress Test
If you’re about to start looking for a mortgage to buy a new home, or want to refinance your current mortgage, you need to know about the mortgage stress test.
Common Mistakes of First-Time Homebuyers
When you start out looking to buy your first home, there are a lot of things to consider. The homebuying journey can be stormy, with a number of potential problems along the way.
What to Look for in a Mortgage
Many homebuyers fixate on getting the absolute lowest mortgage interest rate available, often rejoicing when they find one that’s 0.1% lower than any other.
How Much Money Can You Borrow for your First Home
How to calculate your new home’s price range before you start house hunting.
Savings Options for Your First Home
The biggest obstacle for first-time homebuyers is often saving the money needed to buy it. Every first-time homebuyer has to come up with a down payment, which is typically between 5-20% of the purchase price.
Mortgage Checklist
Excited to purchase your first home? Or are you an existing homeowner looking to sell and upgrade to a new home? Here are some easy steps to guide you through the process.
Homebuying Step by Step: A Guide to Buying a Home in Canada
A home can be a great place to build memories with friends and family and build a financial foundation for your future. Buying a home can be exciting, but it can also be a challenging and confusing experience.
Is a 30-Year Amortization Right for Your Mortgage?
The federal government recently opened up the option of a 30-year amortization period to a much larger number of homebuyers. Let’s take a look at the pros and cons of a 30-year amortization period and whether it might be a good option for you.
Start Saving for Your First Home
Learn more about this investment account that gives first-time home buyers a tax advantage option to save for a down payment. Contributions to the account are tax-deductible while income and gains are tax-free!
The Mortgage Stress Test
If you’re about to start looking for a mortgage to buy a new home, or want to refinance your current mortgage, you need to know about the mortgage stress test.
Common Mistakes of First-Time Homebuyers
When you start out looking to buy your first home, there are a lot of things to consider. The homebuying journey can be stormy, with a number of potential problems along the way.
What to Look for in a Mortgage
Many homebuyers fixate on getting the absolute lowest mortgage interest rate available, often rejoicing when they find one that’s 0.1% lower than any other.
How Much Money Can You Borrow for your First Home
How to calculate your new home’s price range before you start house hunting.
Savings Options for Your First Home
The biggest obstacle for first-time homebuyers is often saving the money needed to buy it. Every first-time homebuyer has to come up with a down payment, which is typically between 5-20% of the purchase price.
Mortgage Checklist
Excited to purchase your first home? Or are you an existing homeowner looking to sell and upgrade to a new home? Here are some easy steps to guide you through the process.
Homebuying Step by Step: A Guide to Buying a Home in Canada
A home can be a great place to build memories with friends and family and build a financial foundation for your future. Buying a home can be exciting, but it can also be a challenging and confusing experience.
PLANNING YOUR FUTURE
Raising Financially Literate Kids: Practical Tips for Parents
In today's economic environment, understanding finance basics is as essential as learning to read and write. Teaching your children about money management from an early age can help set them up for financial independence and success.
Why Saving for Retirement is Essential
If you’re one of the 55% of Canadians living in the prairies who have no retirement savings plan, this article is for you.
Harnessing the 'Miracle' of Compound Interest
Over decades, your total interest earned can make up the vast majority of your overall savings. Let’s take a look at how compound interest works.
How Mutual Funds Help Grow Your Savings
How Mutual Funds Help Grow Your Savings
Let's take a look at how mutual funds work, how they provide immediate diversification, and why they can be a great choice for individual investors.
Keeping on Track After Your Investments Have Taken a Hit
Your investing journey will be full of ups and downs. It is important to have a plan in place so that you do not make a mistake if markets do fall.
The One Decision That Could Boost Your Wealth Today
Your alarm goes off in the early morning hours. By the time you hit the shower, your mind is already running full throttle through the list of decisions you need to make just to get out the door.
Raising Financially Literate Kids: Practical Tips for Parents
In today's economic environment, understanding finance basics is as essential as learning to read and write. Teaching your children about money management from an early age can help set them up for financial independence and success.
Why Saving for Retirement is Essential
If you’re one of the 55% of Canadians living in the prairies who have no retirement savings plan, this article is for you.
Harnessing the 'Miracle' of Compound Interest
Over decades, your total interest earned can make up the vast majority of your overall savings. Let’s take a look at how compound interest works.
How Mutual Funds Help Grow Your Savings
How Mutual Funds Help Grow Your Savings
Let's take a look at how mutual funds work, how they provide immediate diversification, and why they can be a great choice for individual investors.
Keeping on Track After Your Investments Have Taken a Hit
Your investing journey will be full of ups and downs. It is important to have a plan in place so that you do not make a mistake if markets do fall.
The One Decision That Could Boost Your Wealth Today
Your alarm goes off in the early morning hours. By the time you hit the shower, your mind is already running full throttle through the list of decisions you need to make just to get out the door.
IMPROVING YOUR FINANCES
Emotional Spending: Understanding and Overcoming the Cycle
In today's fast-paced world, where instant gratification is just a click away, it's easy to fall into the trap of emotional spending.
The Value of an Emergency Fund
Having a large, unexpected expense and no emergency fund can set your financial plans back a long way; here’s how to set one up.
How to Combat Financial Anxiety
You're not alone if words like inflation, investing, and debt make your mind spiral. Thankfully, there are ways to manage and overcome financial anxiety.
What Inflation Means to Your Financial Plan
It's hard to turn around without seeing news about record inflation. But why is high inflation such a big deal? And what impact can it have on your daily expenses and long-term financial plan?
10 Tips for Setting a Budget you can Stick To
Budgeting can be a very powerful tool to reach your financial goals. However, not all budgets are created the same.
Why Budgeting is More Important Than Ever
Budgeting will always be a staple of your personal finance journey. To accomplish any of your financial wellness goals, the first step will always be to create a personal budget.
10 Financial Items Every Canadian Should Have
Do you have three months' worth of savings? Have you considered a written financial plan or paying your mortgage more frequently? Read on for ten financial items every Canadian should have!
Kickstarting the New Year with Smart Money Resolutions
As the clock strikes midnight and you hear faint cheers of "Happy New Year!" across the province, there's a sense of renewal - a perfect time to hit the financial reset button.
Financial Routines
Adopting good financial routines can go a long way to improving your financial wellness and overall happiness. Being financially stressed can lead to mental and physical issues.
10 Ways to Improve Your Finances
If you feel that your finances need first aid, you're not alone. Over half of Canadians are living paycheque to paycheque and over a third of them have no retirement savings.
New Year's Resolutions You Can Actually Keep
While almost four in five Canadians make new year's resolutions, 78% of them have failed to stick to them. Resolutions can be easier to keep if they're small and specific.
Emotional Spending: Understanding and Overcoming the Cycle
In today's fast-paced world, where instant gratification is just a click away, it's easy to fall into the trap of emotional spending.
The Value of an Emergency Fund
Having a large, unexpected expense and no emergency fund can set your financial plans back a long way; here’s how to set one up.
How to Combat Financial Anxiety
You're not alone if words like inflation, investing, and debt make your mind spiral. Thankfully, there are ways to manage and overcome financial anxiety.
What Inflation Means to Your Financial Plan
It's hard to turn around without seeing news about record inflation. But why is high inflation such a big deal? And what impact can it have on your daily expenses and long-term financial plan?
10 Tips for Setting a Budget you can Stick To
Budgeting can be a very powerful tool to reach your financial goals. However, not all budgets are created the same.
Why Budgeting is More Important Than Ever
Budgeting will always be a staple of your personal finance journey. To accomplish any of your financial wellness goals, the first step will always be to create a personal budget.
10 Financial Items Every Canadian Should Have
Do you have three months' worth of savings? Have you considered a written financial plan or paying your mortgage more frequently? Read on for ten financial items every Canadian should have!
Kickstarting the New Year with Smart Money Resolutions
As the clock strikes midnight and you hear faint cheers of "Happy New Year!" across the province, there's a sense of renewal - a perfect time to hit the financial reset button.
Financial Routines
Adopting good financial routines can go a long way to improving your financial wellness and overall happiness. Being financially stressed can lead to mental and physical issues.
10 Ways to Improve Your Finances
If you feel that your finances need first aid, you're not alone. Over half of Canadians are living paycheque to paycheque and over a third of them have no retirement savings.
New Year's Resolutions You Can Actually Keep
While almost four in five Canadians make new year's resolutions, 78% of them have failed to stick to them. Resolutions can be easier to keep if they're small and specific.
PROTECTING YOUR FINANCES
PROTECTING YOUR FINANCES
Tips for Safe Online Marketplace Transactions
Tips for Safe Online Marketplace Transactions
Nothing says summertime like garage sales, but in this new digital era, online marketplaces have become the new way of garage-saling!
Beware of Unexpected e-Transfer Notifications
Beware of Unexpected e-Transfer Notifications
Receiving an unexpected e-transfer notification can be confusing but also enticing. Here's how to protect yourself!
Common Scams to Watch Out for in Canada
Common Scams to Watch Out for in Canada
Scammers always find new ways to trick people, leveraging various tactics to exploit honest people's trust.
Stay Safe from Rental and Vehicle Sale Scams
Stay Safe from Rental and Vehicle Sale Scams
Finding the perfect rental or vehicle can be exciting, but staying cautious is essential, as scammers often target rental seekers and car buyers.
Protect Yourself from Phishing and Fake Job Ads
Protect Yourself from Phishing and Fake Job Ads
Phishing and fake job ads are common ways fraudsters try to steal your information or money. Here's how to protect yourself!
11 Tips to Protect your Data from Online Fraud
11 Tips to Protect your Data from Online Fraud
Don't be fooled by online scams! Check out Interac's 11 data security tips to help you avoid falling prey to online scams.
How to Spot 8 Tricky, Trending Digital Scams in 2023 and 2024
How to Spot 8 Tricky, Trending Digital Scams in 2023 and 2024
Beware of some of the biggest fraudsters today! Cyber criminals are constantly evolving their tactics to ensnare consumers.
Secure and Convenient: Three Reasons to Set up Interac e-Transfer® Autodeposit Today
Secure and Convenient: Three Reasons to Set up Interac e-Transfer® Autodeposit Today
Setting up Interac e-Transfer® Autodeposit feature offers cyber security benefits that help protect you!
Tips for Safe Online Marketplace Transactions
Tips for Safe Online Marketplace Transactions
Nothing says summertime like garage sales, but in this new digital era, online marketplaces have become the new way of garage-saling!
Beware of Unexpected e-Transfer Notifications
Beware of Unexpected e-Transfer Notifications
Receiving an unexpected e-transfer notification can be confusing but also enticing. Here's how to protect yourself!
Common Scams to Watch Out for in Canada
Common Scams to Watch Out for in Canada
Scammers always find new ways to trick people, leveraging various tactics to exploit honest people's trust.
Stay Safe from Rental and Vehicle Sale Scams
Stay Safe from Rental and Vehicle Sale Scams
Finding the perfect rental or vehicle can be exciting, but staying cautious is essential, as scammers often target rental seekers and car buyers.
Protect Yourself from Phishing and Fake Job Ads
Protect Yourself from Phishing and Fake Job Ads
Phishing and fake job ads are common ways fraudsters try to steal your information or money. Here's how to protect yourself!
11 Tips to Protect your Data from Online Fraud
11 Tips to Protect your Data from Online Fraud
Don't be fooled by online scams! Check out Interac's 11 data security tips to help you avoid falling prey to online scams.
How to Spot 8 Tricky, Trending Digital Scams in 2023 and 2024
How to Spot 8 Tricky, Trending Digital Scams in 2023 and 2024
Beware of some of the biggest fraudsters today! Cyber criminals are constantly evolving their tactics to ensnare consumers.
Secure and Convenient: Three Reasons to Set up Interac e-Transfer® Autodeposit Today
Secure and Convenient: Three Reasons to Set up Interac e-Transfer® Autodeposit Today
Setting up Interac e-Transfer® Autodeposit feature offers cyber security benefits that help protect you!
SAVINGS BASICS
Comparing the TFSA, RRSP, and FHSA
When choosing between a TFSA, RRSP, and FHSA, consider your financial goals, current and future income levels, and potential tax implications.
Mutual Funds 101
If you’ve never invested before - or have all of your investments held by your employer - you may not know much about mutual funds.
What is RRSP Season?
What exactly is the RRSP deadline and why should you care about it? Two of the major registered savings accounts in Canada are Registered Retirement Savings Plans and Tax-Free Savings Accounts.
RRSP Basics
While RRSPs have been around since the 1950s, many people still don’t know much about them or get them confused with other registered accounts.
What is a TFSA?
While many Canadians have Tax-Free Savings Accounts (TFSAs), there is still a lot of confusion around what they are actually for. Let’s clear up some common misconceptions.
RRSP vs TFSA
At some point in your life you have probably heard about an RRSP as well as an TFSA. Both are great options for your savings and investing. However, sometimes there may be a better option out of the two.
Successful Saving for People who Hate to Save
Saving money will always be hard. However, there are some simple tips to help you make the process easier and help you get on track with your financial goals.
Guide for New Savers: How to Build your Savings Quickly
Just starting out on your savings journey? Here are some ways that you can speed up the process.
How to Save for Different Goals
Depending on your goal there are usually better options for how to save. For example, any goals that you hope to reach within 1-3 years should follow a very different savings plan than goals for longer than 3 years.
Secrets to Saving when Money is Tight
Saving can be hard. Saving is especially hard when unexpected emergencies arise and you need to prioritize your cash.
Comparing the TFSA, RRSP, and FHSA
When choosing between a TFSA, RRSP, and FHSA, consider your financial goals, current and future income levels, and potential tax implications.
Mutual Funds 101
If you’ve never invested before - or have all of your investments held by your employer - you may not know much about mutual funds.
What is RRSP Season?
What exactly is the RRSP deadline and why should you care about it? Two of the major registered savings accounts in Canada are Registered Retirement Savings Plans and Tax-Free Savings Accounts.
RRSP Basics
While RRSPs have been around since the 1950s, many people still don’t know much about them or get them confused with other registered accounts.
What is a TFSA?
While many Canadians have Tax-Free Savings Accounts (TFSAs), there is still a lot of confusion around what they are actually for. Let’s clear up some common misconceptions.
RRSP vs TFSA
At some point in your life you have probably heard about an RRSP as well as an TFSA. Both are great options for your savings and investing. However, sometimes there may be a better option out of the two.
Successful Saving for People who Hate to Save
Saving money will always be hard. However, there are some simple tips to help you make the process easier and help you get on track with your financial goals.
Guide for New Savers: How to Build your Savings Quickly
Just starting out on your savings journey? Here are some ways that you can speed up the process.
How to Save for Different Goals
Depending on your goal there are usually better options for how to save. For example, any goals that you hope to reach within 1-3 years should follow a very different savings plan than goals for longer than 3 years.
Secrets to Saving when Money is Tight
Saving can be hard. Saving is especially hard when unexpected emergencies arise and you need to prioritize your cash.
BORROWING BASICS
Building Credit from Scratch for Newcomers to Canada
In Canada, your credit history can have quite an influence. It can affect your ability to rent an apartment, secure a loan, buy a car, or even impact job opportunities.
A Stress-Free Way to Finance Your New Vehicle
Are you in the market for some new wheels but feeling overwhelmed by your choices for financing? We get it! We understand the importance of finding a financing solution that works for you and your budget..
4 Ways to Consolidate Your Debt
Consumer debt has been on a steady increase in Canada over the last decade. We'll talk about four key ways to save on interest and consolidate your debt, with options for different personal circumstances.
Building your Credit Rating
If you’ve ever been turned down for a loan because of your credit rating, you’ll already know how important it is when it comes to having financial options.
Personal Loan vs Personal Line of Credit
With so many borrowing options available, working out which is the best one for you can be really tricky. Understanding the advantages and limitations of each option can help you to decide which one suits your situation.
Building Credit from Scratch for Newcomers to Canada
In Canada, your credit history can have quite an influence. It can affect your ability to rent an apartment, secure a loan, buy a car, or even impact job opportunities.
A Stress-Free Way to Finance Your New Vehicle
Are you in the market for some new wheels but feeling overwhelmed by your choices for financing? We get it! We understand the importance of finding a financing solution that works for you and your budget..
4 Ways to Consolidate Your Debt
Consumer debt has been on a steady increase in Canada over the last decade. We'll talk about four key ways to save on interest and consolidate your debt, with options for different personal circumstances.
Building your Credit Rating
If you’ve ever been turned down for a loan because of your credit rating, you’ll already know how important it is when it comes to having financial options.
Personal Loan vs Personal Line of Credit
With so many borrowing options available, working out which is the best one for you can be really tricky. Understanding the advantages and limitations of each option can help you to decide which one suits your situation.
FARM & BUSINESS
A Flexible Way to Finance Your Farming Equipment
We understand that purchasing new or used equipment is a significant decision, and we're here to help you easily navigate the process.
Is Leasing Right for Your Operation?
Before making that decision, it’s vital to know how leasing works, its advantages and disadvantages, and in which situations leasing might be right for your farm.
How to Manage your Business' Cash Flow When Times are Tough
Many businesses fail because of inadequate cash flow management. When times are tough, efficient cash flow can make all the difference.
How Moving Online Can Save Small Businesses
The COVID-19 pandemic has been hugely challenging for many small businesses, particularly those not deemed essential.
A Flexible Way to Finance Your Farming Equipment
We understand that purchasing new or used equipment is a significant decision, and we're here to help you easily navigate the process.
Is Leasing Right for Your Operation?
Before making that decision, it’s vital to know how leasing works, its advantages and disadvantages, and in which situations leasing might be right for your farm.
How to Manage your Business' Cash Flow When Times are Tough
Many businesses fail because of inadequate cash flow management. When times are tough, efficient cash flow can make all the difference.
How Moving Online Can Save Small Businesses
The COVID-19 pandemic has been hugely challenging for many small businesses, particularly those not deemed essential.