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1 - 7 of 7

Wednesday, November 16, 2016 - INTEREST RATES

    Remember you are hearing this valuable information from me first.   Since we are over with the USA elections I believe many consumers will feel confidence and will start investing again.  With that happening my opinion is that the government in Canada will continue trying to slow the spending.  We will see rates rising faster than consumers expect.  The government already believes that people are over investing as we had many years of low interest rates.   As you probably know, raising ...

posted in English at Wed, 16 Nov 2016 19:07:52 +0000

Monday, November 14, 2016 - How to figure capital gains on home sale.

      To put some numbers to the basic formula, say that you sell your home for $400,000 and your selling expenses are $24,000 (real estate commissions, advertising, legal fees, etc.). Your total amount realized is $376,000. You then reduce this amount by the "adjusted basis" of your home, which is the original purchase price plus any improvements that you made to the home over the years -- think new windows, floors, kitchen and the like. To further the example, say your original purchase price ... Full Article...

posted in English at Mon, 14 Nov 2016 19:39:51 +0000

Friday, November 11, 2016 - # 6. -6 common but illegal money habits that can get you in big trouble

    Defacing US currency     Dollar bills and other U.S. currency aren't meant to be run through the clothes washer, written on or chewed up by pets. Although accidental damage to currency normally isn't illegal, deliberately defacing it is. Federal law prohibits any action that mutilates, cuts, defaces, perforates or glues together U.S. currency or otherwise renders bills unusable. "It really becomes illegal if you deface it in any way," Dickens says. "When I say, 'deface,' that means you make ... Full Article...

posted in English at Fri, 11 Nov 2016 19:48:26 +0000

Wednesday, November 9, 2016 - # 5. -6 common but illegal money habits that can get you in big trouble

    Copying US currency     Color printers, scanners and copiers make it surprisingly easy to replicate U.S. or foreign currency. But it is illegal to print your own money, even if all you want to do is make play money for the kids. It's OK to reproduce U.S. currency only if you follow the guidelines established by the U.S. Secret Service, according to Claudia Dickens, a spokeswoman for the U.S. Bureau of Engraving and Printing, part of the U.S. Treasury in Washington. "If you make a copy of ... Full Article...

posted in English at Wed, 09 Nov 2016 21:19:06 +0000

Tuesday, November 8, 2016 - # 4. -6 common but illegal money habits that can get you in big trouble

    Writing bad checks     Many banks offer overdraft protection that kicks in if you write a check that exceeds your account balance. But writing a check that you know is no good is illegal. The risk isn't negligible: Some people do get prosecuted for writing bad checks. "Not only are there criminal penalties involved, but you get put on a list of bad-check writers."  "A lot of places won't accept your checks, and you may have difficulty opening a bank account again because you've been labeled ... Full Article...

posted in English at Tue, 08 Nov 2016 20:39:16 +0000

Monday, November 7, 2016 - # 3. -6 common but illegal money habits that can get you in big trouble

    Lying on a home loan application     Homebuyers and homeowners who want to refinance may be tempted to fudge their income or hide some debts to improve their chances that a lender will say "yes." But lying on a loan application is fraud, and lenders do check up on applicants' information. "You should always be honest,".   "We all go through difficult financial periods, and it's tempting to want to fudge. But if you get caught, it's going to lead to huge headaches, and you will sleep better ... Full Article...

posted in English at Mon, 07 Nov 2016 19:33:41 +0000

Thursday, November 3, 2016 - # 2. -6 common but illegal money habits that can get you in big trouble

    Using someone else's identity to get credit   Trying to obtain credit by using someone else's name and identity is obviously not right. But suppose -- and Kaplan says she has heard of such cases -- a parent whose credit has been ruined uses a child's name and identity to open new credit accounts. Is that a problem? Absolutely. "It's illegal to pose as someone else,"  "but there is also a moral question: Do you want to punish your child and wreck their credit, as well?"

posted in English at Thu, 03 Nov 2016 20:12:16 +0000

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DID YOU KNOW AS SELF EMPOYEED WITH GOOD CREDIT HISTORY we can state the income if you have had your business for 2 years or more ? write to

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