Despite attempts to budget and save in a prudent manner, certain mistakes such as marrying the wrong person or failing in business can lead even people with good financial knowledge down the path of bankruptcy. Insolvency statistics (comprising consumers and businesses) for Canada in 2011 showed a decrease of 8.9% (year-over-year) including bankruptcies and proposals.…

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When it comes to earning rewards, most of us are looking for one specific credit card that can help us get the most cash back or travel points for our spending. I’ve tried a number of different rewards credit cards on their own before discovering that a combination of two or three cards gave me…

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An apprenticeship is a valuable means to receive hands-on training to complement the theoretical knowledge gained through schoolwork.  For trades such as carpentry, electrical and plumbing, completion of apprenticeship training is a requirement to obtain certification (journeyman license). Possession of a license increases opportunities and prospects for mobility, while enabling certified tradespeople to train and…

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You are reading the title right, not only can you get an American Express card issued from the parent company, you can now get an AMEX with Scotiabank.  As with most AMEX products, the value to the card holder is relatively high, but because the merchant fees are typically higher than Visa/MasterCard, acceptance can be…

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