If you find yourself in the unfortunate position of getting divorced, have no fear, because help is here! Divorce, while often times feels like a death, it is also the beginning of your new life.  And while it can be scary it can also be exhilarating and life changing. As women, we often make the […]

As a first time home buyer, the process of purchasing a home can seem very daunting.  From a financing standpoint, here are 10 common questions I hear from first time home buyers. 1. What’s your best rate? This is by far the most common question.  Rate is a small part of your mortgage contract but its […]

It doesn’t sound like a big number, but when you realize how interest is calculated you may be surprised. Interest on a mortgage is compounded semi-annually, this means the interested is adding back into the principal every six months. It is no wonder it takes 25 years to pay off a mortgage, it is mostly […]

I recently had a client ask me what difference I could provide given that his bank’s website was offering the same interest rate I had quoted him the day before. Before responding to him, I went on his bank’s website to check it out for myself. There are times when a client needs the best rate […]

Thinking of purchasing or leasing a new car? Some quick math for you. A $400.00 payment will reduce your total mortgage qualification by $100,000.00 Ouch. I will confess that I think about new cars for at least a moment or two daily, fast cars and I go back a few decades and as I hit […]

The following is a list of things you’ll want to avoid if you plan on purchasing a new home in the near future. 1. Don’t apply for new credit: It may seem natural to apply for a credit card at a home improvement store or a furniture store when you are about to become a homeowner, but […]

This summer has flown by, and what a summer it has been for Bullying Ends Here! Just last week, I traveled to Amsterdam Netherlands to present the program to 400 law enforcement delegates from around the world. This also signaled the first time that the program had been presented outside of Canada’s borders. What a humbling […]

Recently I was fortunate enough to travel to the small island country of Iceland in the middle of the North Atlantic. It had not been a destination on my radar until I started to plan a mountain biking trip for my milestone 40th birthday. I knew I was going to utilize the locally owned (Whistler […]

Borrower or credit costs can be outrageous. To go get a line of credit, you are usually paying upwards of 6% to 7.5%. These lines of credit can be based on interest only or principle and interest payments. This kind of loan is based on how the lender views you as a risk. In other […]

After diligently saving your pennies and carefully managing your credit to be as strong as possible you are finally ready to start house hunting for that perfect dream home. Between you and your new life lies the seemingly terrifying mortgage process so let’s go over what you can expect so there are no surprises along […]