Home insurance is a necessity if you’re a homeowner, yet every day we hear some tragic news story about a home destroyed by fire or some other disaster and the homeowner not having home insurance. With the increasing costs of homes, insurance rates have also increased. Although home insurance is an expense we really can’t [...]

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Did you know, there are Canadians out there right now, paying 2% interest on their mortgage? It’s true. Not long ago, many banks were offering Prime minus 1% for variable rate mortgages. Don’t rush to your bank to switch your rate just yet. The current variable offers are Prime plus 1 – 2%. Let’s face [...]

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I’ve met many people, my own parents included, who easily recall paying 19%, even 21% on a mortgage.  That’s not a typo, mortgage rates actually soared that high in the eighties.   The intensity of that period led to rate sensitive consumers, who in turn, reared a generation that isn’t just rate sensitive, but rate obsessed.  [...]

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