Are you thinking of buying a new home this year?
If you would like to learn some of the things you'll need to know to negotiate a mortgage "Mortgage Basics' discusses the things you will need to know including the differences between conventional and high ratio mortgages.
Discover the choices you will be faced with making when negotiating your mortgage. You'll need to choose between open versus closed term, short versus long term, and fixed vs. variable interest rates.
Also, learn how to calculate how much mortgage you can afford by learning to calculate your total debt service ratio and your gross debt service ratio.
Are you interested in doing a fun, entertaining, Valentine activity with your partner?
Cindy Maki, Certified Life Coach and Debbie Squier-Bernst, Financial Planner are presenting a
workshop on Feb. 10. for details
Important Dates for Income Tax 2007
Deadline for filing 2006 Personal Income Tax Returns -- April 30, 2007
Deadline for filing Small Business Tax Returns for Sole Proprietors and Partnerships -- June 15, 2007
Deadline for making RRSP Contributions for 2006 -- March 1, 2007
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Are you planning to make investments this year?
Find out what you should know before investing by visiting www.checkbeforeyouinvest.ca
or by calling The Ontario Securities Commission(OSC) at 1-877-785-1555.
www.checkbeforeyouinvest.ca was created by the Ontario Securities Commission to help Ontarians become more informed, involved investors. They believe that education can help investors protect themselves and their money from fraudulent or unsuitable investments.
The Ontario Securities Commission offers a few tips to get you on your way to safer investing:
Know where you're going with your investments by looking at the bigger picture.
Ask where do you see yourself down the road? Set your investing goals and stay involved in your investments by checking in regularly.
Know who you're dealing with by choosing the right adviser.
Make sure the person is properly qualified and registered. You can get in touch with the Ontario Securities Commission to check whether they are properly registered.
Know what you're investing in by getting credible information from different sources.
To help you determine which type of investment is right for you do some research, don't just rely on your adviser.
The Ontario Securities Commission (OSC) regulates Ontario's capital markets.
Their mandate is to:
- protect investors from unfair, improper and fraudulent practices
- foster fair and efficient capital markets and confidence in their integrity
Financial terms for February at www.solvedebt.ca
