Personal Finance
Personal Finance 0

Comment protéger efficacement vos intérêts bancaires

Posted on 30 January 2019

(EN) À l’image de la majorité des Canadiens, vous effectuez probablement la plupart de vos opérations bancaires en ligne. À l’ère de cette réalité technologique, les succursales bancaires et les centres d’appels ne sont plus dédiés au traitement de transactions ou de problèmes touchant le service à la clientèle.En fait,  ils se sont plutôt tournés vers la vente de produits ...

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Ne soyez pas victime des fraudeurs en magasinant en ligne

Posted on 30 January 2019

(EN) Maintenant que magasiner en ligne est devenu monnaie courante, le temps des Fêtes est la période idéale pour les fraudeurs. C’est pourquoi il est important d’être vigilants lors de votre chasse aux aubaines et de vos recherches en ligne pour trouver le cadeau idéal.Voici quelques conseils pour protéger vos renseignements personnels lorsque vous magasinez en ligne :Ne magasinez ...

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La vérité sur l’assurance habitation

Posted on 30 January 2019

(EN) Être propriétaire d’une maison ou d’un condo est synonyme de sécurité, de fierté… et de responsabilités. Il est primordial de protéger ce qui est probablement l’investissement le plus important qu’il vous sera donné de faire.Voici des informations et des conseils de la part de Intact Assurance qui aideront les propriétaires et les locataires à prendre des décisions éclai ...

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Trois pièges qui pourraient nuire à votre petite entreprise

Posted on 30 January 2019

(EN) Pour assurer la réussite d’une entreprise, il faut y mettre beaucoup d’effort, avoir de la volonté et être passionné par ce que l’on fait, mais ces qualités ne suffisent pas. Mettez toutes les chances de votre côté en évitant ces trois pièges les plus courants.Négliger l’étape de la recherche. Que vous soyez en train de ...

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Consumer Insolvency Filings Spike In Canada, And It's Likely Just The Beginning

Posted on 03 January 2019

It happened sooner than the experts predicted. With rising interest rates putting financial pressure on households, Canada is seeing an increase in consumer insolvencies. There were 11,641 consumer insolvencies in October of this year, up 9.2 per cent from a year earlier, according to data from the Office of the Superintendent of Bankruptcy. The insolvency numbers include both bankruptcies ...

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Statistics Canada Revises Household Debt Numbers, And The News Is Not Good

Posted on 03 January 2019

Statistics Canada has just given the country's policymakers a new headache, with news that it had previously underestimated Canadians' debt burden. In a release Friday, the statistical agency said the average Canadian household carries $1.74 in credit market debt for every dollar of disposable income. That includes credit cards, car loans and mortgages, among other things. Prior ...

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Don't let the cost of commuting from the suburbs fool you: It's still cheaper to live there

Posted on 03 January 2019

Relative to the urban core, housing is less expensive in the suburbs. But does the savings get eaten up by increased commuting costs? That was one of the findings of a recent study by the Canada Mortgage Housing Corporation (CMHC), which claimed that — at least in the Greater Toronto Area (GTA) — “the cost of longer commutes can completely offset the savings from moving to more affordable m ...

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Why retirement planning needs to be a major political issue in 2019 and beyond

Posted on 03 January 2019

Retirement planning does not usually get much attention in federal budgets or election campaigns, where personal finance issues tend to focus on income taxes and social programs. But there are a number of reasons why the topic deserves to be a hot button political issue in 2019 and beyond. We all know that baby boomers are causing a shift in demographics. Retirement policies need to ref ...

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Federal tax changes coming into effect as new year begins includes a hike in CPP premiums

Posted on 03 January 2019

OTTAWA — The new year brings with it tax changes at the federal level that will affect just about every Canadian, as well as small businesses. One of the first changes workers will see is an increase in Canada Pension Plan premiums coming off their paycheques — the first of five years of hikes to pay for enhancements to the pension plan. Employment Insurance premiums, on the othe ...

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Personal finance tips to get your debt on track in 2019

Posted on 03 January 2019

The holidays are almost over, but we will have one more thing to look forward to: the dreaded credit card bills. A number of different surveys show Canadians likely went over budget shopping for their loved one this Christmas. If you’re the average Canadian shopper, a survey by PwC called the 2018 Canadian Holiday outlook, shows you spent $1,563 on holiday cheer last month. That amount ...