Debt Help in Edmonton with A.C. Waring & Associates

Information is your greatest asset in becoming debt-free. On these blog pages, you will find general information to help you understand unfamiliar terms and learn more about the options that may be available to you. You should schedule a personal consultation with an A.C. Waring & Associates trustee or counsellor for information regarding your specific circumstances. We hope you find the following pages helpful and reassuring. Know that however desperate you may feel with the pressure of mounting debts, we are ready to help you regain your financial footing.

How to Manage Joint Debt Overload When Going Through a Separation


Wednesday, January 17th, 2018 A.C. Waring

Ending a marriage is difficult no matter the circumstances, but factoring in any financial problems on top of a fizzling relationship tends to further harden the experience for both former spouses. Although simplicity may dictate that assets should be split evenly, or in accordance with any particulars laid out in a prenuptial agreement, there are…

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The difference between a credit score and credit rating


Monday, November 13th, 2017 A.C. Waring

Your credit score and credit rating are both indicative of your financial situation and can significantly influence your reputation with potential lenders, as well as your ability to obtain loans, credit and other important matters. However, it is important to distinguish between the two. Equifax and TransUnion are the Canadian credit reporting agencies from which…

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Is Bank Upselling Good Practice?


Friday, October 27th, 2017 A.C. Waring

Upselling essentially means that your bank may offer you a higher end product like a ‘premium savings account’ rather than one you have or request like a ’basic savings account’. If the premium account, with fees, has features you need, this may work for you, if not, fees are funds lost to you. Bank upselling…

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Do Not Be a Passive Saver: How to Save More Money


Friday, October 27th, 2017 A.C. Waring

Recently, THE Business News Network (BNN) reported that Canada Savings Bonds would no longer be offered for investments. These bonds have been in operation since 1946, but they are not competitive compared to other savings options. While mortgage rates are hiking up quarterly, savings rates seem stagnant. An avid saver (or even one new to…

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First-Time Homebuyers Tips


Friday, October 27th, 2017 A.C. Waring

Purchasing and owning a house has always been a key dream for most Canadians. Unfortunately, with real estate prices skyrocketing in many major Canadian cities, you, more than ever, need to carefully consider what you can realistically afford to buy. In deciding if and how much to invest in a new home, several factors may…

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