Do You Always Get What You Pay For?

“This $6 bottle of wine tastes awful.” “What did you expect – you get what you pay for.” It’s true, in most circumstances, that the quality of products and services increases as the price increases. You get what you pay for. When...

Can You Really Afford That Mortgage?

My husband and I purchased our first home when we were 23 and 21 respectively. Back then the mortgage approval process used all of his income but only 50 percent of mine. Income requirements have changed since then. If both spouses (or common-law, or other applicant)...

Old Age Security (OAS) Explained

Old Age Security (OAS) was originally intended to be a universal program to provide income support payments to Canadian seniors. It is one of the cornerstones of Canada’s retirement income system. It is not a pension plan. You don’t make contributions. OAS is a...

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