Author: Seun Adeyemi

4 Financial Steps to take to Prepare for a New Baby

Financial issues sometimes do not get enough attention, but this can be especially true in the case of preparing for a new baby. Preparing for a new baby is a fun, yet frantic time. There are a million things you need to think about and how your finances are going to change are one of them. Below are four steps you should take to make sure you and your family are financially ready for your new baby.   What You Need to Know  1)      Make a Will While many new parents don’t want to think about it, one of...

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Understanding the Difference Between a Mortgage Term and Amortization

If you’re a homebuyer in the real estate market this spring, it’s important to know your mortgage lingo. Two of the most basic and important terms to understand are a mortgage term and amortization. While the term and amortization of your mortgage can be the same, more often than not they’re different. Understanding the difference between the two means you could save yourself thousands of dollars in interest over the life of your mortgage and enjoy mortgage freedom years sooner.   Mortgage Term Your mortgage term is the period of time you’re guaranteed your contact mortgage rates and conditions...

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6 Reasons a Bigger Home Isn’t Always Better

The saying bigger isn’t always better hold true, especially for real estate. While it can make sense to buy a home at the top of your housing budget you’ll grow in to, there’s such a thing as buying too much house. Buying your dream home the first time makes sense if you can afford, as you’ll save on closing costs; however, buying a bigger home you’re not sure you’ll grow into may not be the best idea. Here are six reasons why a bigger home isn’t always better. 1. Lower Mortgage Payment When you buy a smaller home your...

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Why You Shouldn’t Be Scared of Investing

A study conducted by BlackRock found that nearly half of all millennials think that investing is “too risky”. This fear of risk is understandable. Most millennials remember the devastating impact that the 2008 financial crisis had on the stock markets. No one likes to lose money, but if it is fear that is keeping you from investing it is time to reconsider. After all, the key to future financial security is to start investing early. While investing may seem like dangerous business, there are steps you can take to ensure that your investments thrive and help you achieve your...

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Retirement Myths

We are experiencing a silver Tsunami. The leading edge of the Boomers turned 65 six years ago. On average, 1,250 Canadians turn 65 years old every single day. Most Boomers were born between 1961 -1965. That’s why you feel everyone has been turning 50. And people are living longer, much longer. With all of this happening, it’s small wonder that the media, politicians and the financial services business are all talking about retirement. That kind of focus may be good, because of what it means for savings habits and pressures on goods and services. There are a lot of...

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