Canadian Money Advisor 2005

Helping Canadians Understand Their Money & Personal Finance since 2005 BLOG

what is health insurance 2
- Posted October 24, 2009 by Monty Loree
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What is Health Insurance?

This is a general term for insurance against loss by sickness or bodily injury. It typically includes coverage for expenses such as doctor visits and hospital stays, and can cover normal and preventive care such as check-ups, prenatal and baby care. Health insurance can be made available to individuals and families. It is sometimes used more broadly to include insurance covering disability or long-term nursing or custodial care needs. It may be provided through a government-sponsored social insurance program, or from private insurance companies. The plan can be customized to suit the unique needs and the premium payments are treated as medical expenses under the Income Tax Act. Therefore a small business owner will receive a tax deduction while his employees will get a non taxable benefit.

Canada's national Health insurance program, often referred to as "Medicare", is designed to ensure that all residents have reasonable access to medically necessary hospital and physician services, on a prepaid basis. Instead of having a single national plan, they have a national program that is composed of 13 interlocking provincial and territorial health insurance plans, all of which share certain common features and basic standards of coverage. Canada's regionally based Medicare systems are cost effective partly because of their administrative simplicity. One of the most important things you need to do as soon as you arrive in Canada is to apply for a health insurance card.

All members of the family, including newborn babies, must possess their own card. The application form can be obtained from the provincial ministry of health office, any doctor's office, a hospital or a pharmacy. If necessary, the immigrant-serving organization in your area can help you fill out the form. To apply for a health card, you will need your birth certificate or Confirmation of Permanent Residence and passport. The permanent resident card may also be presented. In most provinces, you will receive coverage as soon as you apply.

There are a few companies in Canada that offer Visitors to Canada Health Insurance at a reasonable price and one such company called Expert travel financial security stands out far above the rest with a superior product, at an excellent price, and a very good service. This insurance is purchased by the day, and is available from 1 to 365 days. The premium is payable in full at the time of purchase. Any visitor to Canada for any reason - recreation or work, regardless of his status, on a work visa or with landed immigrant status, and covered or uncovered by one of the provincial healthcare plans, or awaiting coverage, a Visitors To Canada Health Insurance plan may provide the coverage. Visitors to Canada Health Insurance is intended to cover all or part of the costs associated with medical issues that are sudden and unexpected. They may not provide coverage in some circumstances like engaging in professional or dangerous sports, acts of war, etc.

An Added advantage for the Canadians is they can access the various health programs anytime and from any part of the country without any hassles in a cost effective manner.

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what is car insurance 3
- Posted October 24, 2009 by Monty Loree
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What is Car Insurance 2?

Be it in the country of Canada or any other place, insurance for your car is very important. The rates of the car insurance may be quite high. So here are a few tips to keep your insurance rates for your car as low as possible. The first thing to do is to shop around. This is the only way in which you will know of the best insurance that your car can get. The next thing if you have more than one car is to make sure that all the cars that you own are on the same type of policy. Most of the companies for car insurance will offer you with a discount for multi vehicles and this can go all the way up to fifteen percent which is not a small amount. By doing this you can save a lot more money than you think of. Insuring your home as well as your car with the same policy is an idea that is equally great. If you have old cars then you can also think about dropping down the collision coverage.

Make sure that you purchase collision coverage only if you think it may prove to be useful in your case. Because the older the car the deductible insurance also is low so if you do spend a lot on this collision coverage then you will be wasting your money. Driving carefully is the most important thing when it comes to car insurance. If you have a bad record of driving then the insurance premiums are generally higher. The rates of insurance for your cars are based on the history of that car. Cars that are most likely to be stolen or those cars that have been known in accidents are all those for which you will have to pay higher insurances. So make sure you drive a low risk car both for your benefit as well as for money saving.

If you are in Canada and you drive to work then the insurance rates for your car will be higher. This is because the more you are on the road, the more are the chances of you getting into accidents. If you are new to the field of driving and if you have undergone an approved driver training course then you get a discount on your car insurance. Having extra theft protection for your car will get you a discount on your insurance for your car.

All the drivers in the country of Canada will have to have at least a minimum of about $200, 000 for the third party liability coverage. This is to cover the injuries to any other person or their property when you cause an accident in the traffic. Each and every province in the country of Canada will need the drivers to carry coverage for their very own expenses when it comes to medical terms and also loss of income that results from any sort of injuries relating to driving.

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What is Cash Advance?
- Posted October 24, 2009 by Monty Loree
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What is a Cash Advance?
If you are in the country of Canada and are facing a problem like cash crunch to the end of the month, you do not need to fret about the situation. Here is a solution that may prove to be useful in most of the cases. The option is to get a cash advance loan so that you can overcome the financial emergency of yours. This can be your savior in Canada. You can pay all your bills with no money in hand with cash advance in Canada. These loans are also available online to help solve your problems. So how will this be able to help you. This will transfer money to your account. This may however take a few hours or sometimes gets done in a matter of minutes.

These are all payday loans that range from about $1000 to $1500 dollars that are generally given to lend out for all those who need money for a short period of time. You will need to qualify for these loans and you will not simply get them. The qualification for this is very easy. An employment proof and a drawing of salary is all you need to qualify for this loan in Canada. This may prove to be really helpful especially towards the end of the month when your pockets are almost empty. There are no more formalities to this. A onetime fee is one thing that has to be paid when the lender gives back the money from the one who borrowed it from him or her.
In Canada these advances are very useful in situations of emergency.

You will never know when crisis may strike you in the form of accidents or even sickness and this is when these loans do come in handy. Do not ever over use these loans as they might put you in trouble. On the other hand there are also people who prefer only to pay the fee for this advance and then keep extending the amount for the loan. This also means that over some period of time the fees from this advance can add up to a great amount that is more than the loan itself. So keep in mind that you do not unnecessarily take these cash advances unless you are really facing a crisis situation and need some cash very badly. Even if you do take a loan, make sure that the loan is paid back without having to extend the time period by which it has to be paid.

You can also get these cash advance in the country of Canada by applying through the internet. There are a number of lenders who will be able to lend you money that comes quick with requirements that are really simple. With these online applications in this country you will not need to get out of your home or office to apply for this loan. You can simply fill an application online and then submit it with all the details and wait to get a loan.

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what are foreclosed homes
- Posted October 24, 2009 by Monty Loree
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What are Foreclosed Homes?

When a home owner who has taken a mortgage is unable to repay his mortgage, the bank that holds the mortgage can foreclose the same after moving the court. It can sell or auction off the home to recover its initial mortgage outlay. Such homes whose mortgages are foreclosed are called foreclosed homes. But this is an extreme step taken only when the home owner is unwilling or unable to meet his obligations even after repeated warnings and grace period. Such foreclosed homes make for attractive buys for people with limited budgets and good credit history. However a buyer looking at a foreclosed home still has to pass the background check, have good credit rating and also should consult a lawyer to ensure that the house is encumbrance free. Better to look for any problems than face any unpleasant surprises at a later date.

Due to the technological developments in the last couple of decades, we in the developed world take the internet for granted and do most of our transactions online, whether work or pleasure. To facilitate viewing of foreclosed homes by people who might be interested in them, the Canadian Foreclosure Sales Inc. has created a database of all such homes that are up for sale across the country. This entire database is available online at the click of a button to anyone anywhere looking to buy property in these parts.

Until recently such listings were ambiguous � they did not specify if a sale was court ordered or not. People had to scroll through thousands of listed residential and commercial properties before identifying ones that may be available at bargain prices due to a court order. But with this initiative that has made a foreclosed homes database available online, everyone is happy. The Canadian National and Provincial government and financial institutions have welcomed and felicitated this effort. This database has speeded up the process of sale of distressed real estate by reaching out to millions online, virtually free of cost and cutting across geographical borders.

Also this database enables the interested prospective buyer to keep track of the home he has interest in by its Listing Tracker. Since this is a national database, people from across the country put up their lists on the site. So for someone wanting to buy real estate at bargain prices, this is a one stop shop, with listings from across the country. This is now the preferred go to site for national listings of distressed court ordered sale of real estate in the country. Foreclosed homes make a sensible buy though some have turned it into a lucrative business. As the listing is done online, you can also avail the services of a mortgage broker or mortgage calculator too free of charge. This is just to speed up the process in cases where the interest is genuine. Thus such distressed properties make sound economic sense though one should evaluate them carefully before signing up and buying them.

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what is debt consolidation contd
- Posted October 19, 2009 by Monty Loree
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What is Debt Consolidation?
It is not uncommon to come across people who borrow money. In fact most of us borrow money at some point in our lives whether it is from a financial institution or from a friend. When we borrow money, it is important that we return it back on time. And when we are not able to do so, most people tend to borrow more money to repay the old loans. The process of borrowing money or taking a loan in order to repay other loans is referred to as debt consolidation. The concept of debt consolidation is very common in many countries, especially in Canada. Most people here borrow money so that they can pay off their older loans. This is mostly done in order to secure a fixed interest rate or to secure a lower interest rate or to achieve the convenience of having to serve only a single loan.

Many people do this in order to have just a single payment to make every month. For example if you have a loan to pay off on four credit cards, then you might borrow a loan big enough to repay the loans of all the four credit cards so that at the end of it all you will have to make only one payment every month. Some people find this a more easy way to make payments. The reason for this is that you will know exactly how much to pay every month and this makes budgeting easy. Also, by consolidating all your loans, you will have to pay a lower amount as interest on the borrowed money. This is because these loans have a lower interest rate when compared to unsecured loans like credit card loans. And these loans also have an extended period over which one can repay the loans.

In Canada, there are several agencies which will help you consolidate your debt. These agencies have a debt consolidation team. What these people do is they will negotiate with the people who have lent you the money and try and reduce the interest rate and the monthly payments. They will also ask them to increase the duration of time so that you will have a longer period to repay the loan. And after doing this, the counsellors will give you tips on how to keep yourself from getting into another debt. They will help you budget your money.

Like everything else, even debt consolidation has its disadvantages. Some people are scared to risk everything and wonder if it is worth it to risk their house. Only when you are confident that you can repay all your loans should you go in to consolidate your debts. Another disadvantage is that you will be paying off your debt for a longer period of time than usual. Though in some cases this might come in as an advantage, in some others it is not. So whatever it is, think carefully before taking any decision and weigh the pros and cons of it.

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what is disability insurance
- Posted October 19, 2009 by Monty Loree
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What is Disability Insurance?

We humans can never predict when a tragedy, calamity or accident may befall us as we live in an uncertain and unpredictable world. Our only recourse is to insure against any unforeseen and unfortunate circumstances like death, accidents, and disabilities arising out of such accidents. When one is the sole bread winner of the family and gets involved in an accident, he has to find a way to support his family in case of such accidents and any disabilities resulting from them. Such insurance is called disability insurance. In most developed countries, such disabilities are provided for in the social security programs by the government. Or it may be provided by the employers in case of heavy machinery involved in their employees� jobs as a matter of routine. Also in huge industries labor unions provide for such exigencies. In Canada all such benefits are tax free till the person goes back to work.

Mostly such benefits are not large but enough to just sustain the family. The disability insurance provided by the state cannot be used to comfortably live off, but serves as a safety net apart from other insurance policies an individual may have. The second most comprehensive insurance against disabilities comes from the employers as it is in their own interests to have their workers insured against getting hurt on the job. The principle is similar to that of a car owner having third party insurance, where you are liable for someone else�s injuries.

Also a company provided insurance may cover temporary disabilities too, not just permanent ones. If an employee is hurt on the job, the organization may pay him for medical expenses and to sustain himself and his family till he is able to go back to work and fend for himself. Even if the worker gets hurt or falls ill away from the job, most organizations do support the worker till he can get back on his feet and this is done with the help of group insurance for the employees provided by the company. Thus disability insurance is as vital as any other insurance to an employed person to keep his income uninterrupted in case of accidents.

There are plenty of service providers in Canada and it is the policy buyer�s responsibility to check out all available offers for disability coverage and choose the one with the best possible coverage and a reasonable premium. Under Canadian law, though a non-cancelable policy costs a bit more, it has to be honored by the insurance company, while with a cancelable policy the company has the option of increasing the premium or canceling your disability insurance policy for non-compliance. Before selecting the service provider and the insurance package, take the time to study and evaluate details like availability of occupational discounts or preferred premium classification. Also calculate the elimination period (how long till you start receiving monthly benefits) and the benefit period (how long you will receive the monthly benefits) as these factors along with the amount of monthly benefits determine your premium.

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Canada dollar hits highest level since late 1800s
- Posted October 31, 2007 by Monty Loree
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Canada dollar hits highest level since late 1800s

Wow!!... This is a piece of history... the dollar is at the highest level since the 1800s?!!

By Frank Pingue

TORONTO, Oct 31 (Reuters) - The Canadian dollar raced to its highest level since the late 1800s against the U.S. currency on Wednesday, thanks to lofty oil prices and a weak greenback after the U.S. Federal Reserve cut interest rates.

Domestic bond prices ended lower as economic data from both Canada and the United States topped expectations while the Fed signaled it may be done with rate cuts.

The Canadian dollar closed at US$1.0585, making a U.S. dollar worth 94.47 Canadian cents, up from Tuesday's close of US$1.0492, or 95.31 Canadian cents.

Shortly after the North American session ended, the red-hot Canadian currency hit US$1.0617, or 94.19 Canadian cents, which some market experts consider an all-time high, given the drastic change in market conditions since the 1800s.

A publication called "A History of the Canadian dollar" is published on the Bank of Canada's Web site at and shows the Canadian dollar was valued at US$2.78 in the late 1800s.

"A good part of the move has just been related to the usual suspects," said George Davis, chief technical strategist at RBC Capital Markets. "Broad-based U.S. dollar weakness ahead of the FOMC helped the Canadian dollar ... and obviously we also saw commodity prices do very well today."

The Fed did as expected and cut its key overnight federal funds rate to 4.50 percent, putting U.S. and Canadian rates at par for the first time since early 2005.

Canadian dollar pulls back after hitting record overnight: 106.17 centsUS.

17 minutes ago

TORONTO - The red-hot Canadian dollar has cooled only a little after hitting an all-time record against the greenback in overnight trading, when it reached 106.17 cents US after a U.S interest rate cut.

Just before 9 a.m. ET, the loonie was trading at 105.82 cents US, down 0.03 of a cent from Wednesday's afternoon closing level, which was a 50-year high.

The previous all-time high was 106.14 cents US, reached on Aug. 21, 1957.

The greenback also sank to a record low against the euro after the U.S. Federal Reserve's decision to cut interest rates by one-quarter of a percentage point to dampen an economic downturn.

The U.S. dollar's tumble has also driven investors to the commodities market as oil prices surged above US$96 a barrel in electronic trading overnight, while gold prices topped US$800 an ounce.

Maria Jones, foreign exchange strategist for TD Securities, says the loonie is being hoisted by what she calls "almost a perfect storm" of factors.

Markets reacted positively to the tax cuts announced in Tuesday's federal mini-budget. Jones also says the dollar is being pushed up by rising prices for oil, gold, and other commodities which Canada exports.

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financial freedom it s a powerful dream mbna canada
- Posted October 31, 2007 by Monty Loree
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Financial Freedom, It's a powerful dream - MBNA Canada

This is the other credit offer I received today.

I did a count and the sales portion of the page and it is 312 words long. The disclaimers and contract portion is 1158 words long!!

MBNA P.O. Box 9657
Ottawa, ON K1G 6G1
Toll Free 1.877.728.3669

Start your journey to financial freedom

The sooner you call, the sooner you could be on your way to financial freedom.

Dear Monty Loree,
Financial Freedom, It's a powerful dream that everyone shares. And now it could finally come true for you.

Consolidate and Save on High-Interest Debt

Now you may be able to eliminate many of your high-rate debts and be on your way to becoming completely debt free. With the MBNA Personal Line Account, it doesn't make a difference how much you owe-$5,000, $10,000, even $50,000. It is the simple, practical way to help make the debt disappear.

And as you'd expect from MBNA, there are even more benefits that are available right away, such as no prepayment penalties or restrictions, no security needed, monthly statements to track your progress toward being debt free, and the ability to check your accounts online - 24 hours a day, 7 days a week.

Easy and convenient

Because it's so easy to apply, you could be on your way to becoming debt free sooner. The choice is yours - call now, mail in the application, or visit us online -- whichever is convenient for you. Please don't delay.

Your dream of becoming debt free may become a reality.

Yours Truly,
Brent Bishop
Senior Vice President of Marketing

P.S. Visit us online at

Access to your Personal Line Account Starts here.
And, it's fast, easy, and one call away.
Call toll-free 1.877.SAVE.NOW (1.877.728.3669) and quote priority code BR6XXXXXXXX for immediate consideration, Monday - Thursday 8 a.m.-9 p.m., Friday 8 a.m. - 7 p.m. Eastern
See Reverse for important conditions to this offer.


Disclaimer in small print on front page.
By submitting this application, I agree to the conditions on the reverse of this form. I consent to the collection, disclosure, use and processing of information about me by MBNA, its affiliates and any of their respective agents and service providers, and to the sharing or exchange of reports and information with credit reporting agencies, affiliates and service providers as set forth in the "Conditions" section on the reverse. I also acknowledge that the Account, if approved, will not be used by any third party other than a third party specifically designated by me, and then only in accordance with MBNA policies and procedures then in effect. By signing below, I also authorize MBNA, upon receipt and confirmation of relevant information, to process debits against my Account.

Applicant, Please Sign Here -->>

Disclaimer in small print on Reverse.

  1. MBNA may prohibit use of a Personal Line Account to pay off or pay down another MBNA account.
  2. Determination of maximum credit line is at MBNA's discretion and is subject to creditworthiness. The total value of Advances cannot exceed your authorized credit limit. If the value is greater, MBNA Canada may send a partial payment to the named creditor
  3. THERE WILL BE A TRANSACTION FEE EQUAL TO 3% OF THE DOLLAR AMOUNT OF ANY ADVANCE MADE WITH THIS ACCOUNT. A MINIMUM FEE OF $7.50 WILL APPLY. The applicable APR will be set by MBNA and will be based on the amount you borrow and the initial repayment period. Rates range between 5.99% to 17.99%.
  4. By telephoning to apply for an MBNA Personal Line Account, you acknowledge your agreement to the conditions set out below and elsewhere on this form. You consent to the collection, disclosure, use and processing of information about yourself by MBNA Canada, its affiliates and any of their respective agents and service providers, and to the sharing or exchange or reports and information with credit reporting agencies, affiliates, and service providers and set forth in the "Conditions" section below.

    Offer valid for Canadian residents only. I (the applicant) certify that the information stated in this application is true and correct. I am at least 18 years old (19 years for residents of provinces where 19 is the minimum adult age). I request that you (MBNA Canada Bank) establish an MBNA Personal Line Account in my name, or such other account as you may approve ("Account"), and send me renewals, substitutes, or replacements issued at your discretion. In the event that MBNA Canada is not able to fulfill this request by offering me a Personal Line Account, I expressly authorize you to refer my application to a customer service representative who may contact me to discuss other consumer loan products that you may wish to make available to me.

    I agree to comply with and be bound by the agreement relating to my Account that you send, as amended or replaced from time to time ("Agreement"). I agree that if I use my Account, it will mean that I have requested and accepted both the Account and Agreement, and that I understand and agree with you to everything written there and here. I will be responsible for all use of, and any interest, fees or other charges to, the Account. I also acknowledge that the Account, if approved, will not be used by any third party other than a third party specifically designated by me, and then only in accordance with MBNA policies and procedures then in effect. I consent to and authorize you, your affiliates, service providers and others you may designate to monitor and /or record my telephone conversations with any of your or their representatives to help ensure quality service.

    I understand that to evaluate my credit application and to continue monitoring my credit status, as well as my ongoing eligibility for credit and for the purposes noted below, MBNA Canada, its affiliates and any of their respective agents and service providers will have access to personal information about me. "Personal Information" is any information relating to an individual which allows that individuals to be identified. MBNA Canada collects, discloses, uses and processes Personal Information to: (a) evaluate, monitor, maintain, service and collect any Account I may have with you, including disclosing or exchanging Personal Information with credit reporting agencies, to develop your relationship with me, and to offer financial products and services, including evaluating the needs, wants, and satisfaction levels of your customers and analyzing and managing your business; (b) administer services, monitor my purchases, transactions, and payments, and evaluate my Account eligibility, for the purposes set out herein; (c) verify my identify or that of any authorized user or co-applicant concerning the Account and maintain security measures aimed at the detection and prevention of fraudulent activity in relation to my Account; (d) compoly with legal and regulatory requirements; (e) if my Account is issued and serviced by MBNA on behalf of an endorsing financial institution, such as my local bank or credit union, to share all Personal Information collected by MBNA with such financial institution, including its agents and/or brokersp (f) promote and market products and services offered by MBNA, or by carefully selected companies, which are directly related to the Account (such as balance transfers and alternative payment methods),. including by means of direct marketing; and (g) promote and market products and services offered by selected companies (also known as secondary marketing), such as long distance or cellular service and credit insurance.

    I may asked to be suppressed from offers under (f) and (g) at any time after my Account has been opened by Calling MBNA Canada at 1.866.845.0980, I will receive no offers under (f) and (g) for the first 30 days after opening of my Account to provide me the opportunity to make my privacy choice known to you. I understand that if I withdraw consent at any time to the evaluation of my credit application, to the monitoring of my credit status or my ongoing eligibility for credit, MBNA may no longer be able to maintain my credit Account.

    MBNA will process my request within five (5) business days but I understand that it may take 90 days for full effect as marketing campaigns may already be in process. This will not limit information you provide to me in statements or when I contact you. If I provided my Social Insurance Number, MBNA will only use it to match credit reporting agency information and for security verification and account maintenance purposes. To access my Personal Information in your possession or make corrections to it, I may write to you at: MBNA Canada, Privacy Office, P.O. Box 9660, Station T, Ottawa, ON K1G 6M9.

    In respect of MBNA agreeing to process debits against my bank account, I warrant and guarantee that all persons required to sign on a bank account authorized by me have signed this agreement. The debits will be processed at such times and in such amounts as I may authorize and are payments on my MBNA Personal Line Account. I may revoke this authorization at any time by giving not less than thirty (30) days notice to MBNA at the address provided in my agreement. I agree to be bound by the terms and conditions set out in the Pre-Authorized debt section of the Personal Line agreement, to be provided to me upon approval.

    You and MBNA agree that if no box is checked, you have expressly requested that any agreement and related documents be drawn up in English.

    MBNA, MBNA Canada Bank, and the MBNA logo are all registered trademarks of RA Card Services, N.A. used pursuant to licence by MBNA Canada Bank.

    © 2007 MBNA

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Pay to the order of: Monty Loree $10,000 Wells Fargo Financial Corporation Canada
- Posted October 31, 2007 by Monty Loree
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Pay to the order of: Monty Loree $10,000

I just received this promotional letter from Wells Fargo Financial Corporation Canada.

I can see how this would be appealing for people at the Christmas holiday season.

Check this out... the interest rate spread for this offer is between:

19.99% and 39.95%

The interest rate is based on the size of the loan, the person's credit score, and other factors that people should be aware of..

To be honest, 39.95% is the highest interest rate that I've seen!!

This is extremely expensive credit! Beware.!!


Special opportunity for existing Wells Fargo Financial customers!
Reservation Code: 349899

This offer is to be redeemed at the Wells Fargo Financial office only. It is non-negotiable and non-transferrable.

Congratulations, you've been pre-qualified for a loan up to $10,000! Hurry, before this offer expires...

Dear Monty,
What would you do if you had extra money to spend this holiday season? You could remodel your bathroom, pay for a winter getaway, purchase the furniture you've dreamed of and more! As a preferred customer of Wells Fargo Financial, we have a special opportunity just for you...

Monty, you've been pre-qualified for a personal loan up to $10,000!

I understand how difficult it can be to find extra money when faced with all the expenses the holiday season brings. As a preferred customer, you don't have to worry. Just stop by my office at the address below or call 306-924-2255 and get your personal loan up to $10,000 to spend however you choose!

  • Receive your cheque in the same day.
  • Enjoy a fixed rate of interest so your payments never increase.
  • Manage your budget witha a fixed payment schedule
  • Never be charged a pre-payment fee if you pay off your balance in advance.

This special offer won't last -- you must act within 30 days!

Visit me at the address below or call 306-924-2255 to get your personal loan with your holiday spending in mind.

Shannon Desrochers
Store Manager
Wells Fargo Financial
345A Albert Street
Regina, SK S4R 2N6
306-924-2255 Office Phone

P.S. See how much you could qualify for! Stop by my office today to claim your loan cheque. Hurry... before this special offer expires on 11/19/07.

1) Based on the information available at the time your were selected to receive this offer, you met our pre-qualification criteria. Loan approval is based on your credit qualifications and income verification at the time of your application. We may request a consumer report on your to execute the loan offer. This offer is void if you have been approved for a loan with Wells Fargo Financial Corporation Canada within the last 60 days. See expiry date.

The information we are providing you was accurate at the time of printing. Our credit policies may change from time to time and we do our best to ensure you receive the most accurate information. Please allow us the opportunity to work with you to provide a financial solution that meets your needs. To have your name removed from future marketing offers, please call 1-866-659-3279.

Wells Fargo Financial Corporation Canada. Wells Fargo Financial Corporation Canada is associated with Wells Fargo & Company, a company that is not regulated in Canada as a financial institution, a bank holding company or an insurance company.

0422 RCEV 10/07

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Shocking Facts - What You Need To Know About Consumer Credit Counseling
- Posted October 31, 2007 by Monty Loree
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Shocking Facts - What You Need To Know About Consumer Credit Counseling by Richard G Cooper

On the one hand, credit counseling can be a good way to resolve debt while avoiding bankruptcy. On the other hand, credit counseling can be like an onion; once you peel back the layers, you may cry after you see what you are doing.

Consumer credit counseling service companies organize themselves as either for-profit or not-for-profit. Recently, not-for-profit Credit Counseling in America has been in the media and under the spotlight of the Internal Revenue Service ("IRS"). The IRS has cracked down on some of the industry's biggest players. Forty-one credit counseling companies had their tax exempt (not-for-profit) status revoked; they found that many credit counseling companies didn't offer the level of counseling or education required in order to qualify for a tax-exempt status.

What credit counseling companies do (regardless of profit status) is arrange for you to pay back your full principal balance(s) on terms that are easier for you to service such as a longer amortization term and/or a reduced interest rate. What this means is that if you owe $10,000 and you are paying an average of 15% interest on all your debts, you will still owe $10,000 but they will hopefully reduce your interest rate to at least half of your original rate and set more affordable payments usually over a longer period of time. Provided you can afford the entire plan and fees, you will be debt free at some point. Remember not-for-profit does not mean free, they still charge you a fee.

You can actually call your creditor and do this yourself on your own at no cost. Most banks have their own internal credit counselors that you can negotiate payment terms with that are more within your budget but this has to be done before the debt is assigned to a collection agency.

Credit counseling is reported to your credit report as a R7 and viewed negatively by every credit grantor. As a result, if you are in a 7 year repayment plan, don't count on using credit cards, getting a car loan or mortgage for the next 7 years plus the time it takes you to re-establish your credit rating.

The origin of credit counseling goes back to the 1980's when credit grantors got together and created it in order to recover money from people in debt. The new consumer credit counseling banner at the time was distanced from the credit grantors under a friendlier not-for-profit status which created trust and it worked well with the public. People signed up in droves and for-profit companies followed suit shortly there-after.

If you owe less then $10,000, credit counseling probably isn't a bad idea and a good alternative to bankruptcy. However, people still fail at credit counseling plans because they take a long time and a lot of money is consumed by maintenance fees over several years.

A new entry to the debt management marketplace has been debt settlement. Debt settlement has been a popular option in America and the movement has been gathering momentum in Canada. Unlike credit counseling, debt settlement actually reduces the principal balance owed by you to around 40%-70% of your original principal balance. A credit counseling service doesn't do that, it only freezes or reduces your interest rate.

If you owe more than you can manage, consider debt settlement as an option. It's an excellent opportunity to wipe out your debt quickly while saving you a substantial amount of money without doing the same damage to your credit rating as bankruptcy would. I have seen people with $50,000 of debt totally debt free in as little as 30 days if they have the right resources. Others may take up to 36 months depending on their ability to settle. Debt settlement companies are also an agent acting in your best interest and are not directed or managed by the very same people you owe the way that credit counseling companies are. In most cases, the fees of debt settlement companies are based on the money you save so that means they are working to save you as much as possible. See for more information on debt settlement.

Richard Cooper is Founder & CEO for Total Debt Freedom Inc. Canada's most respected debt settlement company. Originally conceived for the mortgage community in 2003 to help fund more sub-prime mortgages and fix turn downs due to bad credit; Total Debt Freedom also offers debt settlement plans up to 36 months for those that aren't homeowners.

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Canadian Western Union Prepaid Credit Card for Canada
- Posted October 26, 2007 by Monty Loree
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Canadian Western Union Prepaid Credit Card for Canada - NOT!!

I noticed that when I did a google search for prepaid credit cards for Canada, Western Union Prepaid MasterCard is listed at #2.

I called Western Union's office in tbe United States, phone number: 1-877-554-2339 and asked them if their Western Union® Prepaid MasterCard® is for Canadians.

They answered that this card is strictly for Americans. So no, this prepaid card is not for people in Canada.

I also noticed that PrePayEdge prepaid credit card is listed in this google search as well. I called their phone number:1-800-589-0234, 1-800-589-0234, 1-866-581-8892 and their message said that PrePayEdge Prepaid Credit cards AREN'T Taking on any new clients!!

These are two listings in google that AREN"T available to Canadians.

Prepayedge is/was listed at:
PREPAYEDGE™ / TNS Prepaid Financial Corp.
191 The West Mall, Suite 1020
Etobicoke, ON Canada
M9C 5K8

tags: canadian prepaid credit cards canada NOT available to canadians

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7 Ways to Calm Your Mind and Get Control of Your Finances
- Posted October 26, 2007 by Monty Loree
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7 Ways to Calm Your Mind and Get Control of Your Finances

Over spend, being frugal, being cheap, binge buying, splurge, careless spending.

I was watching Til Debt Do Us Part on Slice TV..

This is the show description:
Taking Charge
Melinda¡¯s obsessed with image. She buys what she wants, and when husband Brent doesn¡¯t make a consistent income in his freelance job, she makes him give up the career he loves in favour of something steadier. Now, Melinda¡¯s on maternity leave for the second time, and unless she gets her spending under control, the family is headed for disaster. Gail challenges Brent to take charge for the first time ¨C and neither Brent nor Melinda are very happy about it.

As I watch this show, I realize that there are thousands of people having the same issues. Where as I would love to sit and criticize the people show cased on Til Debt Do Us Part, I've also been guilty of overspending without giving it much thought.

Ways to calm your mind and your spending

  1. Realize that you've got a problem.
    If you're fighting with your spouse about money, or you're stressing about your own spending, it's time to sit down and think about your problem.
    Think specifically about what's causing your money arguments. Is your spouse out of control with spending and/or are you out of control with your spending?

  2. Get into a quiet space and write down your finances
    Go into a quiet place for an hour and start to write down your finances. Write down how much you make and how much you spend. Make an income vs expense statement.

    If your house is too noisy and there are too many distractions, go to a local coffee shop or library where there are no distractions. You need to be able to concentrate fully on your finances for 1-2 hours.

    The biggest problem that I've seen with myself and others is getting too busy and not taking the time to think about in house spending.

    Much of the time when I was overspending, I was way too busy and in denial. At the time I was over spending, my dad described it as us spilling money. He said, "you spill more money than I make". I had to agree with him, but at the time didn't do anything about it because I was immersed in building my business.

  3. Accept that you're too busy
    If you're overspending, and you're over busy, you have to get less "over busy".

    If you've ever said, I'm too busy to do a financial analysis for myself, then plainly you're too busy. If you're truly interested in working out of your own financial crisis, then you need to re-prioritize your schedule and spend time working on your financial structure.

    You may need to stop some of your activities ( if only temporarily ) and give yourself time to organize your finances. This is a hard thing to do. Especially when you're busy with kids activities, hobbies etc.

    Giving yourself time to concentrate on your finances will automatically start the process going forward.

  4. Structured financial counseling may help
    It's difficult to seriously accept the fact that you're over spending if you're still too busy and still not able to give yourself the time to internalize that you've got a problem.

    If you are a busy person it may take a while for you to accept the fact that you're overspending. The beauty of a program such as Til Debt Do Us Part is that the couple is required to concentrate on their finances. The cast are required to do exercises in order to get them in touch with their financial lives.

    Getting financial counseling may be the answer for the rest of us.

    In the past, I've sat with a counsellor and talked about issues from marriage, to business, to finances etc. I found it extremely helpful to get out of my busy life for an hour or two and have a discussion about that day's topic. It stopped all of the outside noise and gave me the time to concentrate on the topic at hand.

    This may be a way for you to guarantee yourself a way to focus on your finances, if for only an hour or two a month.

    In the episode of Til Debt Do Us Part that I watched; as soon as Melinda took some time to talk to Gail Vaz-Oxlade, the counsellor, she immediately realized that she had a problem and started to work on it right away. Sometimes that's all it takes.

    Gail Vaz-Oxlade said, "If you keep spending this way, you'll increase your debt by $34,000 in 6 months, and $500,000 in 5 years."

    An experienced financial counsellor is able to analyze your situation and explain your future if you continue on the same path.

  5. Develop a new plan for your finances.
    This requires you to go to your quiet place again. You need to take the time in a quiet place to develop your new financial plan.

      Points to consider
    • How much money do I need for my highest priority debts?
    • How much money do I need for my highest priority expenses?
    • How much should I save up to develop financial reserves?
    • What items are things that I can do without?

    It's pretty simple to figure out your finances.
    List your highest priority debts and expenses first, and then if you have money left over, start planning your savings. ( Yes... Savings!! )

  6. Give yourself time to get in touch with your finances.
    If you're in financial turmoil, you're probably also in emotional turmoil. These are difficult things to deal with and will take time.

    My point is, if you've got money problems, give yourself permission to take enough time over the coming months to get back into control.

    Stop which ever activities you need to in order to have the proper time to work on your finances. This process may take a few months to work itself out. If getting in control of your finances is a high enough property, you'll have to spend several hours working it out. And... as you run into snags and questions, you'll have to take time to work those out as well.

    Give yourself permission to take what ever time is needed to work on your finances. ( I've learned this the hard way over the years. )

  7. Start working your new plan -NOW!!
    Let's be reasonable about it.. it's going to take time to get this new way of financial thinking into effect. The important thing is to start now.
    If you don't start concentrating on your finances now, you'll just prolong the problem. I don't care if I'm making you feel guilty, if money is causing you problems , you need to be thinking about it now.

    Finally, getting started now doesn't mean you have to fix all of your finances now. It just means you have to commit to starting the process now.

    Start today to get in a quiet place and think about your money.

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What Most People Don't Know About Bankruptcy in Canada
- Posted October 24, 2007 by Monty Loree
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Shocking Facts What Most People Don't Know About Bankruptcy in Canada

- By Richard Cooper

Bankruptcy can sometimes be your best way out of an overwhelming debt situation but you should consider how the law forces a Trustee in Bankruptcy to operate in Canada.

The bankruptcy process must be administered by a Trustee in Bankruptcy. Most Trustees have both an accounting designation and a university degree. They must also pass a bankruptcy and law course. When considering filing for bankruptcy, always deal with a licensed trustee; that is, a trustee who has obtained a license from the Superintendent in Bankruptcy pursuant to the Bankruptcy and Insolvency Act (Canada).

What most people don't know is that even though you pay a Trustee for filing an assignment in bankruptcy, they are working on behalf of the creditors that you owe. That means even though you pay the Trustee to provide a fresh start for you, they are essentially an appointed agent for the creditors and looking after the best interest of the people that you owe. The Trustee works towards returning the creditors money back through the assets you hand over during the bankruptcy process.

You will present all of your debts and most of your assets to the Trustee. Very little of your assets are exempt from bankruptcy. In Ontario for example, you may keep your car if it is worth less than $5,650, necessary and ordinary wearing apparel up to $5,650, certain tools up to $11,300 if required by your trade, up to $11,300 of furnishings and certain types of life insurance. Most of your other assets are available for seizure and may be lost including your home, and your investments (except RRSP's and pension plans in certain cases). As a result, always consider doing everything you possibly can do to avoid going bankrupt.

If you owe more then $10,000 and your debts have been listed to a collection agency, consider debt settlement as an option. A debt settlement company can help avoid bankruptcy and works towards stopping collection calls by acting as your agent and negotiating a settlement with your creditors. It is an excellent way for you to wipe out your debt fast while saving you a substantial amount of money. In most cases you pay back about half of what you originally owed the creditors and that should include the fees. I have seen people achieve total debt freedom in as little as 30 days if they have access to a lump sum of money; anyone who is a homeowner or has family willing to help should definitely consider this option. Others may take 24-36 months to settle their debt. Unlike a Trustee a debt settlement company is acting for you only; in most cases fees charged are based on the money you save. That means that they will work to save you as much as possible. See for more information on debt settlement in Canada.

Always look at all of your options when considering bankruptcy. Generally speaking, if you suffer from financial hardship, have very limited income and most of your assets qualify as being exempt from bankruptcy seizure, then it's a good idea for you to get a free consultation from a Trustee about going bankrupt.

Don't be afraid of dealing with your debt. Sometimes bad things do happen to good people or you just made some bad choices in life. We are only human. The worst mistake you can make is putting it off. Either way if you choose debt settlement or bankruptcy, start your path to debt freedom as soon as you can and get on with living life totally debt free.

Author: Richard Cooper -

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a is for annual fees capital one canada commercial
- Posted October 23, 2007 by Monty Loree
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A is For Annual Fees - Capital One Canada Commercial

This is a cute little Capital One Canada commercial that talks about fact that there are No Annual Fees!!

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8 reasons why people like capital one credit cards
- Posted October 23, 2007 by Monty Loree
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8 reasons why people like Capital One credit cards?!!

Since we're starting to promote Capital One credit cards in Canada I thought I would take a moment and find some blogs and websites where people say that they like Capital One!

Capital One does an especially good job with their advertising commercials. They do a great job in branding and building good will with their customers. - And I Like Capital One!
They’ve always given me great service; my credit line just keeps getting increased; and I actually enjoy their commercials. - Getting Off The Dime
... Plus I like Capital One. Somebody there is using their head. I kind of like those Viking commercials, too. Don't ask me why. - Favorite Ads
Because of the humor factor, I like Capital One’s “Kissing the Frog to get the Prince” ad. But, like a real fairy tale, I also like the message. - When you’re busy, credit card arbitrage has its drawbacks - From the comments
Other financial service companies seem more straightforward and consumer friendly. I like Capital One for that reason. And they are prompt in posting payments. - best credit card for travel rewards?
I like Capital One. Anyone know any downsides to it?
This is info for the Capitol One Go Miles card.
Fly any airline, anytime with no blackout dates or seat restrictions. Up to 5,000 bonus miles for transferring balances. Flexible redemption options—get travel, cash, merchandise. Low $19 annual fee. - Capita Lone Creditcards
What is the point of this thread?
Just for info on Capital One? I suppose all the guest comments threw me off. I like Capital One - they have been easy for me to work with. - I have decided that I like Capital One commercials
Yes I only see them when I watch football, but David Spade is a bit of a funny guy and I like the commercials. I wonder if they get more than laughs? - Re: Capital One vs. your credit score
Actually, I like Capital One just fine. I hear more negatives about Citibank and Chase than anyone... but then again... in the case of all three, it could be because they are among the largest issuers.

SEE OUR MENU: Capital One Canada

tags: I like Capital One Canada Credit Card, Capital One credit cards are good, Canada, Canadian

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15 Blog Post Articles that talk about Equifax
- Posted October 22, 2007 by Monty Loree
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15 Blog Post Articles that talk about Equifax

I did a google search for Equifax Blog as I wanted to see what other blogs were writing about Equifax.

It's interesting to see the ones that float to the top of the search results as these are considered most important by google and the blogs readers.

You notice that there aren't many top blog posts that praise Equifax for it's great and wonderful work. Understanding that Equifax's 2006 profit was $274.5 million - ( ) you think they would do a little more flowery PR for their company.

DIY Credit Repair For Canadians?

Equifax blog posts listed here:
1) Equifax Will Revoke Your Right to Link to Their Site
Ok.. I linked to Equifaxs site...what now?

2) Equifax posts executive salaries
Equifax Inc. paid its chairman about $7.1 million in total compensation in 2006, according to a proxy filing late Friday.
Atlanta-based Equifax (NYSE: EFX), which collects and manages credit, financial and demographic information for individuals and businesses, said it paid Chairman and CEO Richard F. Smith a $1.3 million salary; $520,000 bonus; about $2.3 million in stock awards; $458,248 in stock options; about $1.9 million in nonequity incentive plan compensation; $171,935 for reimbursement of federal and state income taxes on personal benefits and taxable relocation expense; $80,000 in club dues; $92,319 in travel-related relocation expense; $97,339 in other relocation expense; and $47,313 security system expense.

3) Senator Schumer to Credit Agencies: Make It Easier to Freeze Credit
Equifax, will soon begin letting consumers in all 50 states freeze their credit files

4) Zacks Analyst Blog Highlights: Equifax, Stryker Corporation, AtheroGenics
Equifax EFX listed in the blog

5) Equifax hires ID Thief
We ( Equifax ) can confirm that an individual posing as Ms. Leach was employed with Equifax for less than a year, beginning in early 2006 Oh my!!

6) Through The Fly's Eyes: Equifax
Equifax Inc. (EFX) collects, organizes, and manages credit, financial, public record, demographic and marketing information regarding individuals and businesses

7) Equifax and Privacy Commissioner settle spat over audit
The Office of the Privacy Commissioner of Canada announced today that it has successfully negotiated a resolution with regard to litigation involving its audit of the credit reporting agency, Equifax.

8) equifax certificate on N95
Equifax is N95 Trusted? It looks like the N95 had a certificate for Equifax, but not the root that Kev used for deadsquid’s mail.

9) Equifax launches marketing tool for lenders (Finextra)
Equifax (NYSE:EFX) today announced the launch of a new direct marketing prospecting tool to help lenders target consumers in today’s emerging credit …

10) Equifax’s Movie Debut Rakes in $13.8 Million
Equifax in the movies? Direct marketing services company and credit bureau Equifax had a cameo alongside leading man Harrison Ford in “Firewall,”

11) Equifax Acquires Talx
Equifax Inc., one of the nation’s largest sources of data, has reached a deal to buy Talx Corp., a provider of employment verification and human resources/payroll services.

12) Equifax fights against the customer taking control
According to an article in, the chief executive of Equifax (which earned 1.27 billion in revenue in 2004), called the federal legislation that lets customers get a free copy of their credit report - get this - “unconstitutional.”

13) Equifax Chief Calls Free Credit Reports Unconstitutional -- Yikes `:>)
In a speech in California this week reported on in Wired Magazine "Equifax CEO Thomas Chapman called the legislation [providing free credit reports] unconstitutional and un-American." That's an absurd statement.

14) Valentine v. Equifax
The Valentine v. Equifax complaint dated June 2, 2005 states:
“Plaintiff became aware of false information and accounts on her Equifax credit reports in 2001. Plaintiff disputed the false information and accounts with Equifax in 2001, 2003, 2004 and 2005.

15) Removing your Name for Prescreened Credit Offers and Other Promotions
If you want to remove your name from prescreened, pre-approved promotional offers for credit or insurance based on your credit report from Experian, Equifax, TransUnion

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is making money on the internet possible for canadians
- Posted October 21, 2007 by Monty Loree
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Is making money on the internet possible for Canadians?

I did a nice interview with Will Hanke of regarding the possibilities of making money on the internet. - Making Money Online
Listen Now! Duration: 10.5 Minutes

Because it relates to money, I wanted Canadians to get an introductory to the idea that making money on the internet is definitely a possiblity and something you can do at home.

Many Canadians that visit this site are going through hard times and suffering with credit problems. Many have lost their jobs and feel helpless that they aren't able to support their families and their credit card suppliers.

I have stuck with making a living online as it fits my life style and it's something I can do from the comfort of home.

In this interview with Will Hanke, he explains how he started by learning the fundamentals of website development back in 1997. He worked his website development part time at first. He then realized that his clients needed some hosting services. So he took on the task of learning how to provide hosting for his clients.

Will's story is good for the following reasons:
  1. He didn't expect to get rich quick with his online business
  2. He realized that it was going to take time to build the business
  3. He's still at it and making money 10 years later!!

There is alot of hype and mile long sales pages about how you can get instantly rich on the internet. Headlines like "how you can make $5000 in 30 days online".

I actually took this "30 day challenge" course which was offered by Ray Edwards. ( A friend of mine wants to get into the internet business and bought this $299 USD course. He asked me to review it to see what I thought about it. )

My thoughts on the 30 Day Challenge Course
Ray Edwards has alot to offer. He was well prepared and delivered his material well. He offered Q&A sessions so that you could ask any questions you may have.

The problem with this course, in my opinion, was that there was so much offered in such a short time, that it's almost impossible to do everything required to make the $5000 in 30 days.

Ray Edwards has years of experience and is a natural at what he's doing.
A more reasonable expectation is to take Ray Edwards course and then to develop and practice what he's talking about over a much longer time frame.

It's unreasonable to think that an engineer is going to design and build a good building in only 30 days. It's also unreasonable to think that you're going to develop and run a successful online business from scratch in only 30 days.

Getting back to Will Hanke's story.
Will mentioned that he uses websites like - Affiliate Products, ClickBank - Ebooks and digital products to find online products to sell.

He also mentioned that in order to have a successful online business in Canada, you need to have a website. His company, Lighthouse Technologies offers online hosting at - ( Lighthouse Technologies ) . For as little as $6.95 a month, you can host your own website.

Listen to my interview with Will Hanke.. He's got some great advice about how to get started online. I do like the fact that he's down to earth and suggests that there is a bit of work involved with developing a good online business. Will Hanke also mentions that anybody can do it if they set their mind to it!!

tags:canadian internet income canadian : Canadians can make money online

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capital one secured credit cards for canadians
- Posted October 20, 2007 by Monty Loree
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Capital One - Secured Credit Cards for Canadians

We are pleased to announce that has been picked to promote the CapitalOne Credit Card line on our website.

  • Guaranteed approval**
  • May help you build or rebuild your credit**
  • $0 fraud liability for unauthorized use**
  • From a Canadian bank that gives you a break
  • 24/7 customer service online and by phone
  • Card accepted at over 24 million locations worldwide
  • Instant access to cash at over 1 million ABMs
  • Refundable security funds from as low as $75**
  • Card design of your choice

This secured credit card is good for people who are just building their credit, or have previously damaged credit and want to rebuild it.

This secured credit card is also recommended for people who have just immigrated to Canada and want to get their credit started here. is very pleased to be one of the very first websites in Canada to be able to offer this Canadian CapitalOne - Secured MasterCard!!

Monty Loree introduces the CapitalOne Secured credit card for Canada.

Capital One Secured Cards for Canadians
Listen Now! Duration: 3 Minutes

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podcast interview with andrew petrick active stock trader
- Posted October 19, 2007 by Monty Loree
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Podcast Interview with Andrew Petrick - Active Stock Trader

The following podcast is an interview with Andrew Petrick who does Active Stock Trading each day for a living!! He's unique in that he is able to make money each day using a software system as a guide to help him pick which stocks have a good chance of being on an upward movement when he decides to purchase them.

The other reason why this interview is good is that it illustrates another way that people can earn money in the comfort of their own home. With some training and an initial sum of money, the average person can earn "grocery money" and more with relative ease each day!!

We covered these questions in the in this interview:

  1. What is the difference between investing in mutual funds and investing in stocks
  2. What is the difference between investing and trading actively
  3. Is active trading safe?
  4. Why do day traders often lose all their money?
  5. What kind of rewards can you expect from active trading

Andrew Petrick - Active Stock Trader
Listen Now! Duration: 8 Minutes
Listen Now! Duration: 8 Minutes
Listen Now! Duration: 8 Minutes
Listen Now! Duration: 13 Minutes

Andrew has been involved in and around the stock market for around 23 years and is very knowledgable about how to make money with active trading. He wrote a little about his experiences with the stock market over the last several years.

Solving the Big Compromise
Andrew PeTrick's Investment Story
I have seen both fortunes built and fortunes lost, sky-high joy and gut wrenching pain. I saw that without guidance, the typical client would make nice gains for awhile but ultimately end up with large losses. Some few understood the reason for their investment success but almost no one could make sense of their losses.

Further, I hated how that without contrarian intervention, like my own, the typical client was systemically pressured into small gains and large losses. That just seems to be the nature of individual investment houses and the entire wealth management industry.

I began in the stock market in 1984 as a broker. I grew with my company as we morphed from a small entrepreneurial boutique into Canada's largest investment dealer. I quickly became a senior vice president and was consistently ranked in the top 5% of all investment advisers in the country. I was presented the President's award five times and the Chairman's award once. My client portfolios' grew and they brought me more and more money.

After a dozen years of this kind of success I left the business. I was disturbed with the compromises my industry had been forcing upon our clientele. I was weary from defending my clients from a bureaucratic machine that systematically fleeced them and pressured the advisers. I was most unhappy with the helpless, dependent nature of the average investor.

So I went back to school to learn the true nature of business relationships and from them, how to consistently produce high corporate growth. As I did my MBA, I set out to change the unfair equation between individual investor and brokerage house.

Upon graduation, I went to work for a company that specialized in investment education. I soon learned that education and book learning alone was inadequate. It yielded neither skill, nor personal prudence. Individuals needed to learn how to trade and invest in the real world.

To my delight, I found and joined a company that gave individual investors both system and tools - - in which to develop and utilize their own personal judgment in making large profits. Instead of the investment industry goal of striving for an 8 to 12% return per year, I have found clients learning to achieve a 2 to 5% return per week. At last, I have been directing investors to now take root in self - - to both protect and dramatically grow their capital.

Since 1984, my goal has been to educate helpless, dependent investors to become strong and independent - - rooted inside as their own expert taking advantage of their own best judgment. Now, there is a way to consistently compound small returns into large profits, while keeping any potential losses small. No longer is high growth with safety an oxymoron. Investment success comes down to skill education plus personal discipline. -

Written by: Andrew Petrick - Active Stock Trader

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Sherri Almost Gets Scammed by Advance Fee Loan Scam
- Posted October 14, 2007 by Monty Loree
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Sherri Talks about Almost Getting Scammed by Advance Fee Loan Scam!

This is a great podcast interview with Sherri who is one of our members:

Sherri applied for a loan with and actually sent them $500 via western union. After doing some quick research on this site about and realizing that canwestcredit was a scam site, they immediately called Western Union on the phone and cancelled the transfer!! What a stroke of luck!!

This is a good interview about what the scam artists are doing!

Listen Now! Part 1: 6 Minutes
Listen Now! Part 2: 17 Minutes

This is a good story for so many reasons. The best reason is that Sherri and her family kept their hard earned money and was not duped by the thieving scam artists.
Hi-Lites of the phone call with Sherri:
  • Sherri and husband have bad credit and have trouble getting credit
  • Sherri's husband will be laid off soon from his job
  • Sherri scrapes together the $500 to send to
  • Sherri was careful making sure to ask alot of questions and check out the agreement paper work she received.
  • The paper work looked legitimate and legal.
  • Relieved with the approval, Sherri felt that this would be the loan that would help through the rough period.
  • Sherri wire's the money via Western Union to
  • After having second thoughts, Sherri and husband spend more time reading forums and decide that they better back out quickly
  • Sherri calls up Western Union and immediately cancels the money transfer

This is the best result possible and I'm glad that our website was able to be a good source of information in this case!

If you have any questions at all about dealing with a bad credit loan website, make sure you listen to this interview first. Sherri gives us a ton of information about the circumstances that lead to her almost being taken for their family's nest egg of money.

The scam website in this case was, but our visitors have also been scammed by (now offline) and It appears that is a scam site, even though nobody has complained on this site yet. They have the same operation going though.

To the average person, these sites look legit and give the sense that everything with them is on the up and up.

I can't stress enough that these advance fee loan scammers are trained individuals in the art of scamming people online. They're trained to make everything look alright, from the website, to the paperwork, to the phone lines that they've set up.

I strongly suggest that even if you're desparate for a loan and have bad credit, these types of websites are not who you want to deal with. I recommend that if you're desperate to get a loan that you call the regulatory bodies first, such as Consumer Protection and even Financial Consumer Agency of Canada


keywords: advance fee loan scam, almost got scammed, how not to get scammed

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Woohoo!! passes the McAfee test!
- Posted October 13, 2007 by Monty Loree
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Woohoo!! passes the McAfee test!

I did a search for "" on google and this adsense ad from McAfee Site Advisor gives this link and analysis.

McAfee tests websites for Adware, spam and online scams
We tested this site and didn't find any significant problems!

I wasn't worried about it, but it was nice to see that McAfee is using our site to advertise their site and service.

I just noticed that we're mentioned in:

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kenworth73 talks about getting scammed Out of 2 000
- Posted October 12, 2007 by Monty Loree
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kenworth73 talks about getting scammed Out of $2,000 by fraudulent website

This is an important podcast! Make sure you listen in!

Kenworth73 advance fee loan scammed - $2000
Listen Now! Duration: 11 Minutes

After all of the people who have complained on this site about being scammed by unscrupulous advance fee loan scam sites, I was able to finally get somebody to talk to me for my podcast.

kenworth73 mentioned that he was scammed for $2000 by

kenworth73 was kind enough to spend a few minutes telling me what happened.

Hi-Lites of the podcast:
  • He was looking to purchase a truck valued at $18,000 and was trying to get some financing.
  • He stumbled upon which appeared to be a good option to give him the credit he desired. It was a convenient source as he is busy working at his company.
  • He applied to and gave him all of his personal information.
  • He sent them a money order for $2000
  • After doing a little research on he realized he was in the midst of being scammed.
  • He tried to have his money order stopped by the bank but couldn't
  • He contacted the RCMP,, Equifax TransUnion to let them know what happened.

Getting scammed was only a part of his problems at this point:
He purchased the vehicle and signed a contract for it. He also is on the hook for financing fees at 12% per month until he can get alternate financing. To top it all off , he lost his privileges at the auto auction because he didn't come through with proper financing.

There's more...
Because he gave these thieving scammers ALL of his personal ID items, the thieves may just help themselves to products and services using his stolen ID..

What a head ache..!!

People.. Listen Up!

This important podcast interview Kenworth73 is a must listen.. It will help anybody who is desperate for a loan think twice about dealing with any bogus website or scam where the operators ask you for money upfront before they give you a loan.

kenworth73 and others talk about getting scammed by in this discussion area.

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barb talks about her 5 years worth of problems with equifax
- Posted October 12, 2007 by Monty Loree
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Barb talks about her 5 years worth of problems with Equifax Canada & TransUnion Canada. Barb is a member.

Barb has 5 years of Equifax Problems
Listen Now! Duration: 14 Minutes

It was nice to have someone finally come forward and talk to me about their experiences with Equifax Canada and TransUnion Canada.

Barb who is a property investor in Quebec has been fighting with Equifax for 5 long years and has never been able to get any satisfaction with them. The worst part is that she's been declined for different types of credit because of the credit bureaus unwillingness to help her out.

During this podcast, Barb explains how, even though she's debt free and keeps current with her bills, she's got a credit score of 450!! She's got good credit but has got a very bad credit score!!

The good thing is that Barb diligently orders her credit report every 3 months to see what's being reported about her.

Barb is getting a ton of inquiries on her credit report which is killing her credit score. A hard inquiry can

I recommended that Barb contact Consumer Protection in Quebec as well as P.I.P.E.D.A.

High-lites of the call:
  • Barb had to hire a lawyer in 1998 to get an inaccurate item removed from her credit report.!!
  • TD Canada Trust is checking Barb's credit monthly which is adversely affecting her credit.
  • Barb has perfect credit but has a very bad credit score
  • One negative item keeps appearing on her credit report even though it's 7 years old. She can't get rid of this negative credit item even though it's past the six year time limit.
  • Equifax Canada and TransUnion Canada should be better regulated..

Make sure you regularly check your credit reports with both Equifax Canada and TransUnion Canada.

Keep in mind that , by law, you CAN order your credit reports for FREE in Canada. See our DIY Credit Repair ebook for Canadians.

I recommended that Barb sue Equifax and TransUnion as their negligence is costing her and her business money due to higher interest rates and fees to acquire credit.

If you've had any dealings with Equifax Canada or TransUnion Canada and need some advice this is a podcast that you won't want to miss.

Click here for Equifax Canada and TransUnion Canada discussion on this site. Discussion about Barb and her situation here

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More articles from 2007 our new advance fee loan scam site
- Posted October 10, 2007 by Monty Loree
Post Back Link to Canadian Money Advisor - our new advance fee loan SCAM SITE?

koka1234 mentioned that she saw a new scam loan website...

From the surface it looks pretty scammy and uncredible. I thought I better get this post up as quickly as possible to warn people not to deal with this website until we've thoroughly checked it out.

koka1234 indicated the following:
As anyone ever heard of Canadian Loan Centre. They just sent me an email stating that I was approved for a SECURED loan. Of course i would need to put down a deposit of 500-600 dollars. Here is there website

Based on this alone it sounds like a scam site.

If anybody here has dealt with this website , let us know immediately.
If they're asking for money up front, they're a scam and I would recommend that you don't deal with them.

Keywords: canadian loan centre , canadian loan center

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More articles from 2007 is re-joining Better Business Bureau
- Posted October 10, 2007 by Monty Loree
Post Back Link to Canadian Money Advisor is re-joining Better Business Bureau

You can find our better business Bureau report here: -BBB Report

As we're starting to launch some new programs for our visitors, I wanted to make sure that people know who we are and the fact that we've been in business since 1994!

Yes... is owned and operated by HomeGrown Advertising Inc (1994)

I applied for our BBB membership about a week ago, and apparently it takes 2-3 weeks to have the BBB board members approve us at their next meeting. After that approval, I'll be able to post the BBBOnline logo on this site. Woohoo! I'm pretty excited.

Oh my ... we did have a complaint 3+ years ago.. :( We immediately resolved the issue with the client. That was at a time when we were growing very quickly and had alot of new staff. One of our clients was upset with our service. We dealt with it immediately.

Here's what I have learned over the years. If you're going to be in business for any length of time, you're going to have growing pains, which can translate into disgruntled customers. The best thing to do is to deal with it and learn from the experience.

BBB Reliability Report
BBB® Serving Saskatchewan
201 - 2080 Broad Street
Regina, SK S4P 1Y3

HomeGrown Advertising Inc ( 1994 )
4812 - 4th Ave.
Regina, SK S4T 0J2
Telephone: (306) 949-5423

The BBB reports on members and non-members. If a company is a member of the BBB, it is stated in this report

BBB Definition:
report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB membership information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues

Original Business Start Date: November 1994
Principal: Monty Loree, Principal
Customer Contact: Monty Loree, Principal
Email Address: montyloree at hotmail dot com
Employees: 4
TOB Classification: Advertising Services
BBB Membership: This company is not a member.
( We've recently re-applied and should be accepted any day now!! )

Nature Of Business
International Advertisment and Lead Development. Credit repair.
Customer Experience
Based on BBB files, this company has a satisfactory record

BBB Definition:
report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB membership information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues

as satisfactory has, based on BBB files, been in business for at least one year, and has voluntarily provided the BBB with all information requested about the business and its product or service. If any complaints have been received about the business, their number has not been considered by the BBB to be extreme, given the nature of the company's business and the volume of business transacted. Complaints are also generally typical of what might be expected for this type of business. A business stated to be satisfactory has not been the subject of any recent law enforcement actions concerning its dealings with the public. If the business has been contacted by the BBB about its advertising or selling claims, it has modified or substantiated its practices to the BBB's satisfaction. In addition, the BBB has a clear understanding of the company's business, and the business is not in an industry which has raised significant marketplace concerns.

means a company has been in business for at least 12 months, and properly addressed matters referred by the BBB. The company does not have an unusual volume of complaints, or any government actions involving its marketplace conduct. The BBB understands and has no concerns about the company's products, services and type of business.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The BBB processed a total of 1 complaint about this company in the last 36 months, our standard reporting period.Of the total of 1 complaint closed in 36 months, 0 were closed in the last year.
Service Issues

BBB Definition:
Service Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery service.

BBB Definition:
Resolved - The company resolved the complaint issues.

1 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.

Company Management
Additional company management personnel include:

Monty Loree - President
Lisa Loree - Admin/Marketing

Industry Tips

"Advertising Online - Before You Start

Report as of October 10, 2007
Copyright© 2007 BBB®, Inc.

If you choose to do business with this company, please let the company know that you contacted the BBB for a report

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interview with beatrice scott canadian mortgage broker advisor
- Posted October 09, 2007 by Monty Loree
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Interview with Beatrice Scott - Canadian Mortgage Broker & Advisor

Today I interviewed Beatrice Scott for this podcast. Beatrice is a Mortgage Broker in British Columbia, Canada. Beatrice is very knowledgeable about mortgages and how to help first time home buyers. She gave us some very good information regarding mortgages in Canada.

Beatrice Scott Talks about being a mortgage broker
Listen Now! Duration: 17.5 Minutes

When you're first starting off with a new home there are many things to know regarding the financing, and the start up costs of the mortgage.

In this interview, we covered the following questions and topics.
  • Introduction to mortgage brokers and what a mortgage broker does.
  • Information for first time home buyers
  • Costs related to first time mortgages
  • Difference between fixed mortgage vs variable mortgage
  • Is Canada in trouble in the subprime mortgages market in Canada as they are in the U.S.?

Some of the interesting high lights of my conversation with Beatrice.

Beatrice indicated that as a mortgage broker, she is able to shop around with 50 different banks, credit unions, and other lenders. This makes sure that she gets her clients the best deals.

The banks like to use mortgage brokers as the mortgage broker does all the work for them. Beatrice mentioned that it's cheaper for the banks to use mortgage brokers than bringing in their own clientele.

Get your finances in order before you buy
A mortgage broker helps the buyer anticipate the up front costs of purchasing their new home, so that they don't have any surprises.
Costs can include, taxes, lawyers fees, appraisal fees, mortgage insurance and more. First time home buyers should anticipate to have approximately 1.5% of the purchase price available as closing costs.

Beatrice has a spreadsheet on her website that will help her clients list all of the up front costs that might be involved with their home purchase.

Fix Rate Mortgages
Fixed Interest Rate mortgages give you the same interest rate for the term of the mortgage. Example if you have a 5.5% interest rate with your 5 year mortgage, that rate will stay the same for the 60 month term.

Variable Rate Mortgage
Variable Interest Rate Mortgages are different in that they fluctuate with the prime rate over the term of mortgage. Example.. Variable mortgages are based on Prime minus a certain discount.

For Example you could get Prime (6.25% today) minus the discount of .90% making it 5.35%.

Variable mortgages that would be price Prime plus 2 would be for someone who wouldn�t qualify for a mortgage and they were using Subprime lenders.

Beatrice indicate that people should choose variable vs fixed rates based on their experience level, and their personal comfort level.

These are some of the high lites of my conversation with Beatrice Scott - mortgage broker in British Columbia, Canada. Beatrice gives us alot more details in our discussion so make sure give her a close listen.

Beatrice Scott can be contacted at:
PH: 604-299-0089

Keywords: Beatrice Scott - Canadian Mortgage Broker

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interview with canadian money coach nancy zimmerman
- Posted October 06, 2007 by Monty Loree
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Interview with Canadian Money Coach - Nancy Zimmerman

I am pleased to write about my visit with Nancy Zimmerman who is a money coach in Canada.

Nancy Zimmerman - talks about being a money coach
Listen Now! Duration: 16 Minutes

I asked Nancy what a money coach is, and here's what she replied:
"I'm not a life insurance salesman, I don't sell mutual funds or any type of securities". She doesn't sell any financial products.

Nancy coaches Canadians about their money... IE.. she yanks them out of their day to day living and gets their head into thinking about how they're spending their money, how they're saving their money etc.

Nancy made an interesting point about the fact that "most people think they know where there money is going." Sure... people do spend their money by themselves... however, they don't usually spend their money with goals and objectives in mind.

I was happy that Nancy talked about a very good and wholesome approach to debt elimination. She compared paying off debts to going on a diet. The psychology behind the two disciplines is quite similar.

For the rest of the conversation we talked about:
• A bit about what a money coach is / does
• Have debt NOT be the central drama of our financial lives
• How to create sane, sustainable methods of getting rid of debt

I liked my visit with Nancy Zimmerman.. She's got a no-nonsense approach to money. This is a must listen to podcast if you want to do better on managing / feeling good about your money.

Nancy Zimmerman - Money Coach can also be found at

Keywords: Canadian Money Coach Canada
Advice for Canadians about their money.

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canadian money advisor ca news update
- Posted October 04, 2007 by Monty Loree
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Quick News Update about what's going on with

Canadian-Money-Advisor News Update - 2007
Listen Now! Duration: 3.5 Minutes

I've been working on installing more software so that we can start to offer memberships to this site:
The memberships will allow access to very valuable interviews with experts in various money fields in Canada.

Our goal is to show our paid members how to save money in interest, loan feeds, mortgage fees etc using the information from our experts, as well as make money in stock investing and more.

I'll have more to report as soon as I get these systems up and ready to go.

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amber haayema

2012-10-18 08:23:07
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2012-10-15 11:43:43
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to , take up a new job. Also, reflect on investing in generating a payday advance loan while using classmates and more, typically the segments. The in
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2012-09-25 10:19:31
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2012-09-23 07:37:50
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I am sick of all you so called legal counsel, wanting money from me , there was a reason i was stealing the items in the first place, i have no money!
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2012-09-15 05:13:22
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