Author Archives: Issa

For new immigrants: How to maintain a good credit score in Canada or elsewhere

Stopping the rain from falling

My friend does not understand.

If she wants a good credit standing in Canada, she must not shop around for good deals. But if she does not shop around for good deals, how can she be sure she will get the best value for her dollars? And why do the good deals need to look into her credit – which lowers her credit score – before they say she is good for them too?

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Who’s going to the Rich Dad Academy?

Caught

Before we stepped out of the car, I told my friend they will sell us this and that at the Rich Dad Education Workshop.

After all, despite all the freebies and the come-hither, it is a marketing event that we are going to. I told her (self-assuredly) I do not easily say yes. That in fact, I have never been embarrassed to say no – and that if it is not worth it, I would say no. She assured me she is the same. I breathed easy since I made a full disclosure and that there is someone watching my back in case I totter and fall.

I tottered and fell (my friend did too).

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Big news for small business, the new 1099K tax form (Infographic)

Here’s news for Paypal earners – they will now have a tax form to fill, and of course, their online incomes are no longer below the radar as in the (golden) years past. Their bane though, is the government’s gain (think $378 billion, which is the tax gap). But it’s not all grim news in this Infographics. Also listed are the tax deductions most commonly overlooked by small businesses and the 5 largest tax credits and the movement to prohibit the IRS from letting loose the goose that would lay them new golden eggs.

But like some people said – paying big taxes – that’s a good problem to have.

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11 Ways to save money at the movies

To lose one's self

The movies can break the bank.

It never used to. At least where I was from, movies can be had for, say, less than $5. So we would watch every week, and sometimes, we would watch a movie twice. And so I was surprised to find that it is a luxury (at $12.50!) in Canada, a first world – and that’s even without popcorn! Or maybe I am just a new immigrant and still doing my maths and my conversions in my head.

And so this guest post by Andrea Woroch appealed to me. Hope it gets you your movie fix too, at half the price.

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Not All Insurance Are Created Equal

Confounded

Confounded, Confounding

Warning: there is a little bit of math here.  I may confuse you.

Not all insurance are created equal.  While appearing equal, most appear to be bloody sharks, feeding on the murkiness of our ignorance.  And sometimes, this is what they actually are, devouring the unsuspecting.  But an enigma too, because their “numbers” could, at once, become flexible as if by magic.  If you ask nicely.  Okay, forget nicely.  If you ask.  There is something about knocking that opens doors.

Let me tell you a story.

Once upon a time, I received a letter for the renewal of my car insurance from Insurance A.  I looked at the premium, thought something was not right, and good grief, when I checked, it was 7,000 higher than the old premium.  Aren’t cars suppose to be cheaper as they age?  Apparently not, if this quotation is to be believed.

The next day, I got another quote from Insurance B.  Same company, different agent.  The quote was cheaper than A’s, the deductible even less.  It was starting to get interesting.

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Managing physical and digital clutter: the magic wand

Order from Chaos of the Past

Gmail has given me 7 GB of free space. My iPhone has 16 GB. I do not even know how many my laptop has, but it is getting slower so I realize I am getting close – dangerously close – to the limit.

A lot of space gone – because of clutter.

I don’t know about you but I still keep emails from circa 2008 (I have 20,000+ in my Gmail to date) and have tons of unread mail. But I had to take notice when Gmail started flashing me her threat, er, promise that I can have more space – 20 GB – for $5 per annum.

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Why stay?

You are meant to be here

A chance encounter.

I talked to someone today and was surprised to find out she is a lawyer in Germany. But like most professionals in Canada, who face the bar of credential recognition and what it stands for – further studies, time and expense – she thinks she will never get to practice her profession here.

She may be right.

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Finding your inner fashion

My daughter: A look at the past

Seeing with the mind’s eye gowns of the most beautiful fabric – and doodling and spinning outrageous stories – were my favorite pastimes when I was a young girl.

I would draw upon pages – reams – of paper, that I was sure I would be a fashion designer when I grew up. But logic kicked in – and panic – so I took up broadcasting and law instead (uhm).

And so my drawing – and fashion – fell at the wayside and I did not take it a notch higher, nor did I apply it to how I actually dressed (I do not think I had the choice). So yes, I was not really a fashionista at that age (I have pictures!). I would dress with the clothes my mom has given me – and well, my practical mom did not have an eye for fashion (I have pictures!).

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