EmpireOne

The interest rates on credit cards can appear absurd because they are far higher than those on mortgages or vehicle loans, with some of them exceeding 20% APR. Beyond corporate greed or profit, the apparent high rates are due to the risk to the lender. The bank may seize your home or vehicle if you […]

Your credit report should be an accurate reflection of your credit and debt accounts. It should show how well (or not) you paid your accounts, your outstanding balances, and the accurate history of any accounts you’ve had but have since closed. Here’s the bad news. Sometimes credit reports are wrong. Whether it’s a human error […]

Life happens and sometimes we can’t cover the costs. If you’re in between paydays you might wonder where you’ll get the cash from to cover your emergency. A personal loan may be an option, but it can take a few days or weeks to fund. The same is true of a mortgage refinance, even if […]

It happens to the best of us – life gets busy or you just can’t make ends meet and you miss a credit card payment or two. The effects of missing even one payment can be detrimental to your personal finances and your credit score, though. Fortunately, there are ways to fix the issue, but […]

If you’re looking for a solution to make a large purchase or get some money upfront, you might have considered a credit installment loan.  There are many credit installment lenders out there with attractive offers. Get approved instantly. No credit check required. Low monthly payments.  Credit installment loans can be an easy way to get […]

Finding a rental can seem like a competitive sport in many cities across Canada.  And if you have a less than average credit score, that is just another hurdle that can get in the way of finding a place you want to live.  Whether you have bad credit because you are or were behind on […]

Everyone with an income pays taxes, but sometimes the CRA offers assistance to those who need it, especially the disabled. If you have a chronic illness or injury that makes it hard to do daily activities, you may qualify for the Disability Tax Credit. Millions of people that qualify don’t realize they do. Here’s everything […]

With the quick spread of the Omicron variant, employers everywhere are panicking and suffering. The recent expiration of the Canada Recovery Benefit doesn’t help things either, but fortunately, there is an extension of benefits as we work our way through this latest variant and its effects. Because of the capacity limits and the threat to […]

As humans, we’re programmed to spend. It makes us happy until the bill arrives. Before you know it, you’re over your head in debt and don’t know how to get out. This usually leads to bad credit and serious financial issues. Fortunately, there are ways to fix bad credit and it starts with changing your […]

You do not have to navigate your financial goals alone. Many financial professionals can help you achieve financial goals through hands-on support and expert advice. If you are focused on paying off debt, repairing your credit, and building a financial future, a debt expert may be the right person to help you reach your goals.  […]