Derek L Chase & Associates Ltd.
If you're like most people, debt repayment is on your list of new year’s resolutions. But how do you make this resolution last more than a few weeks before giving up? Here are 7 tips to help you make debt repayment a reality in 2022....
No single credit card is better than all others in all categories, or for all people. However, understanding your numerous options and asking the right questions (or knowing where to look for the right answers), you should be able to find the credit card that best fits your spending habits,...
A Home Equity Loan, sometimes referred to as a HELOC, has become an increasingly popular way to access the equity in your residence. In this article, we will explore the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC). More specifically, we will answer the...
If you find yourself in a situation where retirement has become very stressful because your income just hasn’t been enough to keep up with the costs of living and debt obligations - or you ended up with a big tax bill after retirement, you may want to speak with a...
If you are like me, you have likely had a recent experience where you have gone shopping and experienced sticker shock. The price of something that you have gotten used to buying has jumped higher. A lot higher. This is a result of inflation. In this blog, we will take...
No one ever sets out thinking about becoming insolvent. As a result, we often find that people have heard bits and pieces about financial insolvency law that one of their friend’s friends may have run into. As we have heard many myths and false statements, here are three good things...
With the rising cost of living due to inflation, and with several Government COVID pandemic financial assistance programs drawing to a close, you may be wondering what happens next with your personal finances. Will you be able to find the help you need? Can you get financial assistance or debt...
On occasion when we are talking with people we find out that, before meeting with us, they arranged to cash out all or part of their retirement savings plan (RSP) and use the proceeds towards their debt. However, it was not enough and they are still in financial difficulties. Was...
If you are living on Vancouver Island you have much to be thankful for. For that matter, anywhere along the west coast of BC is a wonderful spot. That can be hard to keep in perspective when the pressure is mounting over your unpaid bills and debt collectors have started...
One of the options for obtaining relief from your debts is to file for Bankruptcy protection. This can sometimes be the most practical option when a consolidation loan or a Consumer Proposal just does not fit your circumstances. When you file an assignment into Bankruptcy you are required to report your...