I’ve been contemplating for a while about refinancing our mortgage and have finally decided to take steps and get the ball rolling. This morning I sent my mortgage broker the following email with some questions. Hopefully I’ll get a response today.
Hi XXXXX,
This is XXXXXXXXX at XXXXXXXXXXXX. I’m currently considering refinancing my mortgage. I’m looking at both the 5 year [...]

I continue to contemplate getting a new credit card to use in place of my GM Visa card despite the impact it would have on my credit score.  I wanted make sure this is the last time I need to get a new card for a very long time so I ran through a series of questions in my mind. [...]

I currently have 2 credits cards. I have PC Financial Mastercard which is our joint account. I’m not sure what the interest is since we never carry a balance and we collect the points towards food. My second card is a TD GM Visa Card. Now I’m not happy with this card because of the rewards it offers. As I [...]

I’ve never really had any debt issues. I worked all through school and graduated without any school debt. I got a job which paid me more than I spent so I never had credit card debt. The first real credit obligation we took on was our mortgage. When I submitted the request to increase our mortgage payments my hands were [...]

Recently I’ve been on a quest to cancel all of my unnecessary expenses. This week it was the balance protection on my Visa. It was one of those relics from my youth that sounded like a good idea at the time. Its never really bothered me before since I rarely used my Visa. My America Express Platinum charge card [...]