It’s the holiday season, and the stores are packed with shoppers – frantically looking for just the right gifts for everyone on their list. Wouldn’t it be great to have one of those personal shoppers? You just give them a list of everything you want, and poof! … they show up with a carload of perfect presents.

That’s just holiday shopping. What about the really serious purchases – like (more…)

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Yes we’re in the busy season! Lots of shopping, cookies to bake, parties to plan for and to attend. For many though, pesky debt responsibilities can dampen their planning and holiday enjoyment. Others may not worry about their debts, thinking they can always get their financial house in order after the holidays.

But if you’re concerned about your debt obligations, consider adding one more task to your pre-holiday season to-do list! See if you can use your home equity to consolidate your high-interest debt into a new or existing mortgage. You’ll lower your payments, save on interest and (more…)

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Everyday I read (skim) no less than 500 blog posts using my Google RSS reader. Some articles are on marketing, some are on business, others are on golf (although I think all the golf blogs basically repost whatever Geoffshackelford.com is writing on – Tiger Woods infidelity at this moment), and a large number of financial blogs from all over North America.

Financial blogs are the most important of the ones I read given my industry. While one may not always agree with (more…)

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“Will it keep you awake at night? Will you constantly be checking to see what rates doing? Do you think you might panic and lock in if rates are starting to rise?”

All of the above are questions that I ask a client before I give them my perspective on whether a fixed or a variable (adjustable) rate mortgage is right for them. I ask them these questions because I think that choosing between the two options is less of a question of which will save you more money, but more a question of a persons risk tolerance. (more…)

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Merix 50/50 from Nolan Matthias on Vimeo.

A quick discussion of the Merix 50/50 product. Gives you the security of fixed with the savings of adjustable rates, as well as the ability to pay either down independently. If you are on the fence with respect to which way to go, and your risk tolerance, this might be the product for you!

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