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The Forum Poll conducted a random sampling of public opinion last September 18th which found that 26% of Canadians have no emergency savings.  Also, according to the survey, 9% said they had more than nothing, but less than a month in emergency savings, 11% had one month, 14% had three months of savings, 9% had four to five months, 13% had six months and 15% had one year or more of savings.  The most glaring fact based on this survey is that quarter of Canadians will have absolutely nothing in the event of emergencies such as accidents, sickness, etc. This shows...
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The main thing that every bank or company uses to determine whether or not you can borrow is your Credit Score.  There are other names for the Credit Score, such as FICO Score or beacon score.  They are essentially the same thing.  However, there is more than 1 Credit Bureau they can get a score from.  The main Bureau that everyone uses is Equifax. However, some also use TransUnion or Northern Credit.  You can get a good handle on your credit score by using Equifax.  One of the first things you need to know about your credit score is that there...
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Many people really don’t realize how important their credit actually is.  Your Credit is an asset.  1 bad mark on your credit could costs you thousands of extra dollars in interest on a loan, or 10’s of thousands or even 100’s of thousands of dollars on a mortgage.  Why pay more?  The better your credit the better your rates on loans, mortgages, lines of Credit and more.  Did you know that if you have good credit you can even renegotiate your current interest rates!  Do your best to keep your credit score as high as possible so you can get the...
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Business owners should have a separate Closed Circle Budget for their business. If there is more than one business, then each business should have its own Closed Circle. The exception to this is if you have a small home based business that is a sole proprietorship. At the beginning, there are probably not a lot of expenses, nor is there much income, so in this case, you could just include the small home based business in your personal Closed Circle Budget until it grows to a point where the income is covering the expenses. In Creating a Closed Circle Budget for...
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