Topic: Your rights

March is Fraud Prevention Month – How to protect your finances!

Mar 19 2015 - Your rights

March is Fraud Prevention Month. It’s a great 31 day period to focus on making sure you’re taking the necessary steps to protect yourself.  Making sure your personal information is secure is important, it can protect you from fraudulent activity like I.D. theft which can lead to financial fraud. Fraudsters will target things like your social insurance number, any personal ID and even your home title, just to name a few. Plus, scams can come in all sorts of forms so be on the look out!

Don’t be a victim this year! Take the time this March to learn how to protect yourself and in what ways. Here’s 5 tips frequently informed by the Financial Consumer Agency of Canada to keep you safe from those fraudsters out there.

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Is Netflix really all you need?

Jan 22 2015 - Saving, Your rights

At $7.99 a month, there’s literally not much out there that can compare to alternatives like Netflix, Shomi, and Crave TV. As a first time homebuyer with little discretionary income, I simply cannot afford $80 a month on Satellite or Cable. I recently read a fantastic article in The Globe and Mail, and I have to say “when it comes to TV, Netflix is all I need”.

With Netflix, I know what I’m getting – I can watch movies, TV shows and documentary’s as much as I want without any time constraints. Plus it’s all commercial free!

If you’re not satisfied with Netflix, you still have other options. For example Roger’s Shomi at $8.99 a month or Bell’s newly launched CraveTV at $4 a month are other budget friendly choices.

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This New Year – Shape up, without breaking the bank: A Q&A with Craig Spear (Part 2)

Dec 31 2014 - Loans, Saving, Your rights

In this two part series, Craig has already given us some great insight as to how young adults can fulfill their New Year’s Resolutions of maintaining a healthy and active lifestyle on a budget. Thankfully, for the second week in a row – you’ll receive a little more guidance from Craig, Owner of Momentum Fitness in Dundas, Ontario.

Q: Statistics show that 75% of us who join a gym end up going a grand total of six times a year. This means many young adults will purchase gym memberships and not use them throughout the year. What strategies will help young adults get good value out of their gym membership this year and help them stay motivated?

A) There are so many great strategies we teach people to use to overcome the difficulty of staying motivated.  Since consistency is the key to success, the best advice we give is to make exercise a part of your lifestyle. This might mean:

  1. Scheduling your workouts as regular appointments in your day to day calendar – just like you would if you had an appointment with your doctor or dentist. Stick with it.
  2. Making your workout your social time. We’ve found that people who work-out with a partner or in a group find more success than people who work-out on their own. In a group, you have people to stay accountable to and you get to socialize and share your experience with them.
  3. Working with a coach and get a program to follow. You’ll have to pay the coach to design you a program, but this way you have something to follow on your own.  A good coach will help you set goals, establish an action plan and make you accountable in follow-up meetings. It’s worth the small initial investment if your goal really is to stick it out for the whole year. We know people with financial planners are more successful at investing and saving.  Same goes for your health. Working with a ‘fitness planner’ will help you achieve the goals you desire.
  4. Set a “big goal” that is broken up by meeting smaller milestones on your way to that “big goal” and where those milestones require you do A, B, and C actions. For example, if I want to run a 10K race in May. I will set smaller milestones of running 1K, 5K and then 8K in the months leading up the 10K race. The A, B and C actions I know I have to do each week. This may include walking or running three times per week, going to Yoga once per week, and marking my progress in a goal setting app on my phone.

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This New Year – Shape up, without breaking the bank: A Q&A with Craig Spear (Part 1)

Dec 19 2014 - Loans, Saving, Your rights

Year after year the New Year’s resolution that tops most Canadian’s list is to “Get in Shape and Lose Weight”. However, just as interesting is number 3 on the list – stick to a budget. Statistics show that 75% of us who join a gym end up going a grand total of six times a year. This means many young adults will purchase gym memberships and not use them throughout the year. Considering it may cost you roughly $500 a year, this won’t help you stick to your budget. Thankfully a little guidance from a gym expert this year can help you get in shape, without breaking the bank. We’ve decided to have a two-part blog series with Craig Spear, Owner of Momentum Fitness in Dundas, Ontario about how young adults can fulfill those New Year’s resolutions to stay fit and also stay within budget.

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Identity Theft: Are You Leaving a Paper Trail?

Sep 25 2014 - School, Your rights

The start of the school year means many things – tuition payments, reuniting with friends, textbook shopping and a lot of paperwork. From registering for your student card to wrangling your OSAP applications, before you know it your backpack is full of paper.

So, how can a piece of paper be more valuable than your expensive new laptop, smartphone or engineering textbook? Because in the wrong hands, the right piece of paper can lead to identity theft, potentially costing you more in the future.

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Travel Insurance – Packing piece of mind

Sep 4 2014 - Saving, Your rights

Summer is still hanging around for a few more weeks – and that means for some, a last minute getaway. Or if your 30 something and working with no children, maybe you like to wait until the Fall to getaway. I get it, travel insurance isn’t the most exciting purchase you make as you prepare to take off on your trip, but believe me – it’s definitely one of the most important.

In a recent study, I was actually quite surprised to see that <a href="http://www.travelinsurancereview best weight loss diet”>six in ten Canadians do not regularly purchase travel insurance before leaving the country.

I have a recent story to share with you about my experience with travel insurance. Now, depending on the travel insurance you purchase, coverage is different.

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