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Pride Month Rainbow

Pride Month: The History of Pride

Early Roots (Early 1900s–1960s) The roots of the gay rights movement go back to the early 1900s, when a handful of individuals in North America and Europe created gay and lesbian organizations such as the Society for Human Rights, founded...
Young couple sitting on the floor of their house with their dog

Before You Move, Make Sure You’re Solving the Right Problem

Lately, my phone calls start the same way: "Jacquie, we're thinking about moving." Why? We need to downsize. We need more space. The house doesn't work for us anymore. Whenever I hear this, I ask a few more questions. What's...
Summer Home Guide

Summer Home Guide – Stretch Out and Settle In

Windows open, sandals by the door, and dinner moved to the patio—summer is when your home kicks back a little. But before you fully sink into beach days and BBQs, a quick seasonal tune-up goes a long way. Here's how...
Separation and Your Mortgage: Understanding Your Options Before Making a Decision

Separation and Your Mortgage: Understanding Your Options Before Making a Decision

Separation is one of life's most difficult transitions. Along with the emotional decisions come important financial ones, and for many couples, the family home is the largest asset to address. One of the first questions I hear is: "Can one...
Couple reviewing mortgage paperwork with an advisor at a kitchen table.

Buying a Home Together, The Conversations Most People Avoid

Buying a home with another person can be a beautiful thing. Sometimes it’s a married couple starting a life together. Sometimes its common law partners trying to enter an expensive housing market. Sometimes it’s siblings, friends, business partners, or parents and adult...
Woman looking stressed while sitting at a table with unpaid bills, bank statements, and a calculator.

The Emotional Cost of Financial Avoidance

One of the hardest parts about financial stress is that most people suffer through it quietly. They avoid opening the banking app. They stop looking at the credit card statement. They know the balances are growing, but they tell themselves they’ll...
Woman writing a credit plan in a notebook while working at a desk with a laptop nearby.

Let’s Build a Cash Flow Map Before You Attack the Debt

When income is strong, but debt is not moving, the issue is often not effort. The issue is usually structure. Before making aggressive debt payments, start with a cash flow map. For the next 30 days, track four categories: 1. Fixed...
Walter Wisdom & Stick Exchange

Walter Wisdom

Walter says: Stay curious. The right path often shows up when you’re paying attention, not when you’re forcing it. Walter 🐾🐾 This is the photo that started all the fun.  To listen to the full interview, click the link. If you decide...
credit_fear_credit_knowledge

Credit Fear vs Credit Knowledge 

I wasn’t taught how credit worked. I thought paying more than I owed would protect me. It didn’t. I tied up money I didn’t need to, it didn’t help my score, and I learned the hard way that smart credit...
walter_BOC_oct_30

Bank of Canada – Rate Drop, What Does This Mean?

The Bank of Canada rate is now 2.25%, this is not the rate you and I receive.  MORTGAGE MOMENT The Bank of Canada has decreased its overnight lending rate by 25 basis points. The Bank of Canada’s primary responsibility is to keep inflation...