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What separates a reliable loan company from a risky one in Canada: licensing, real APRs, fees in writing, and what borrowers like you get approved for.
6 min · Read
What makes a bank approve a loan, which types of institution are most flexible, and what to do when the bank says no.
9 min · Read
Canada's Big Six, Schedule I and II banks, credit unions and digital banks, how they differ on fees, rates and coverage, and how CDIC insurance applies.
6 min · Read
When AISH is deposited each month, how weekends and Alberta statutory holidays move the date, and the full schedule for the current year.
6 min · Read
Manitoba's minimum wage, how the annual 1 October adjustment is calculated from CPI, and when employers must apply the new rate.
5 min · Read
Alberta's minimum wage rate, the separate student rate and the hours it applies to, and why the province's rate has not moved since 2018.
6 min · Read
When ODSP is deposited each month, how weekends and Ontario holidays move the date, and the full schedule for the current year.
6 min · Read
When you’re thinking about taking out a loan, it’s easy to focus on the big numbers, like how much you’re approved for, what the monthly payments will be, and how…
6 min · Read
What a CIBC credit memo means on your statement, the four things that usually cause one, and why you should check the source before spending it.
7 min · Read
Canada RIT means Refund Income Tax, a CRA deposit from a reassessed return. Why it appears, why the amount can differ, and when to expect it.
6 min · Read
What a Social Insurance Number is used for, when you must provide it, when a lender may ask, and how to protect it from misuse.
6 min · Read
The order to cancel a CIBC credit card in: clear the balance, redeem rewards, move recurring payments, then close, and what it does to your credit.
6 min · Read
