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Write Yourself A Free & Simple Will Before It's Too Late
Published on 2010-02-05 20:17:00
Only about a quarter of the adult population of North America has a will. The biggest misconception about wills is that it is drafted by lawyers for rich people with a lot of assets. This may be true to some extent but it should not hold you back from taking the time to write your own will, sign it, and keep it in a safe place just in case something happens to you. This is especially true if you have children.The purpose of having a will is that your final wishes are made clear. The existence of
Determining How Much the Banks Will Let You Borrow
Published on 2010-01-24 04:34:00
Since capacity (your ability to make the monthly payments) is usually the biggest determinant in most credit applications, I will focus on this factor in today's post. Specifically, I'm going to show you how you can take the two debt ratios that banks use to gauge capacity, TDS and GDS, and figure out what's the most you will likely qualify for based on your current income and expenses. As a quick reminder from my previous post "The 5 Cs of Credit" that TDS looks at your overall monthly obligati
Using Your Line of Credit as Your Chequing Account
Published on 2010-01-24 03:16:00
There are three certainties in life. Death, taxes, and bank fees. Luckily having a line of credit can help reduce the last one.Initially, banks started off not charging their customers for having deposit accounts because they can use the deposits as capital for investment. Somehow things took a wrong turn for the customers and now everyone must pay a fee in order to access their own money while bank profits soar. These fees range anywhere from $4 to $25 a month and that does not even include ext
