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Tag: Government of Canada

5 Tips To Use Payday Loans

Don’t you think it’s a surprising question; how to stop using payday loans? We know it brings an instant solution in case of emergency when we need cash in hurry and we know it can’t be compare with the other loans in relation to its unique nature of being a quick cash loan. Above question clearly indicates that borrower has been taken payday loan for more than one time and may also have tried it to extend the same for the next paycheck and didn’t follow the right way to utilize the loan and service that resulted in to a bad experience, although payday loan brings an excellent solution and good experience to all those people who understand it and don’t forget; why borrowers use payday loans? As payday Loans are short term loans to cover your unexpected day to day life’s need and just for emergencies that you should pay on time on your next payday at once without taking further extensions. The right question that consumers should be put forward as; how to use payday loans? That helps them in going through their sudden financial need without making payday loans a big financial mess for them. It require you to follow other happy customers great tips on how to utilize and use payday loans to your advantage!

Majority of the salaried class literally living from one paycheck to another; these are the people that payday lenders consider their clients that can borrow cash against the guarantee of their next payday. Unexpected problems that require quick cash is a part of life, there are many of people who generally experience such a cash shortage once, twice and, or again and again some times, credit payments being late, medical bills being overdue, utilities being over used or car being turned down. Immediate need of funds is a big problem, payday loans often helpful in providing cash to such kind of serious problems that require a quick solution.

Why borrowers use payday loans? Many of the people now have become well aware of the payday loans and these people know how to use it in their favor but there are so many more people, either they don’t know about it or have used it in a wrong way and need advice to stay out of payday loans pitfalls.

Below are some of important tips on how to use payday loans to your advantage? These 5 tips to use payday loans will definitely reduce number of unsatisfied borrowers from asking such kind of indirect complaining questions as; how to stop using payday loans? You should carefully consider brand name and reputation of the payday loan company or payday lenders before initiating the loan process:

  1. Payday loans are just for emergencies, you should always consider applying your payday loan when there is no other option to obtain the cash you need. Don’t take it for unnecessary things or incidentals like vacations or expensive jewelry or clothes. Always take it for your necessities like medicine, groceries, utilities, car repairs, etc.
  2. Payday lenders must be licensed by Ministry of Consumer Services in your residing province and territory (Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Northwest Territory, Nova Scotia, Ontario, Nunavut, Prince Edward Island, Saskatchewan and Yukon Territory). The license certificate number must be printed on the website offering payday loans Canada and if you are visiting physically to apply your payday loan then it should be displayed in the store. Never borrow from unlicensed payday lenders.
  3. Payday loans is an expensive loan, you should always consider the amount that you can easily payoff at your next paycheck. Remember your payment includes; your borrowed money plus payday loan charges, although payday loans are already set at maximum cost of borrowing amount by the government of Canada under Criminal Code Of Canada at Provinces and Territories level, like in Ontario maximum cost of borrowing is controlled at $21 for every $100 borrowed. It means person applying for payday loans Ontario Canada will have to pay maximum charges of $63 per $300 borrowed. You are strongly advised to check and calculate your net payable amount according to your province and territory in which you are applying your loan.
  4. Repay your loan in full during your next payday. Don’t try to take another loan or think to take an option of payday loans refinancing, generally it’s not possible with the payday loans and if any lender accepts your request then you have to pay extra in form of penalties, additional fees and interest. Just remember payday lenders can’t give you another loan until the initiated payday loan has been fully paid off.
  5. Before signing your payday loan application, you should first read and understand the entire contract; loan agreement. Don’t forget to read the fine print and ask questions if there is anything you want to clear or find out before signing the contract. Beside also ask the lender about the loan cancellation process, it will help you in giving time to rethink your decision.

These are generally accepted and used great tips that not even in Canada but works anywhere in the world where payday loan industry is extending its credit facility, either you are taking payday loans in the United Kingdom, payday loans in the United States or Australia, you will definitely utilize it in getting benefits for you without any bad experience. We hope these 5 tips to use payday loans will work for all those people who pay too much weight and excitement on taking payday loans and take it lightly on an issue of paying it back, either these consumers spend their expensive money on the useless things and, or don’t calculate their savings to understand their affordable payments from their next paychecks. Think twice on an important but very simply question before applying one for you; why borrowers use payday loans?



Get Ready To File Your Personal Tax Return Canada Before The Deadline

Getting ready to file income Tax return? Deadline for filling 2011 personal Tax returns: April 30, 2012. To avoid late filling penalty and to get all the Tax-benefits you should file your Tax return on time.Income tax return filing deadline is just a few days away now, your personal tax return Canada for the Year 2011 has to be filled on or before April 30, 2012. So don’t delay, get all the benefits and avoid late filling penalty (5% of tax owing + 1% per month) and delay in receiving benefits you deserve from 2012 tax season.

Please note:

“If you file your return after the deadline, your GST/HST credit (including any related provincial or territorial credit), Canada Child Tax Benefit payments (including certain of related provincial or territorial programs), and Old Age Security benefit payments may be delayed.”

There is no any government restriction on the issue of how you should file your Personal Tax Return Canada, whether you prepare your tax return through professional accountants, tax consultants, Netfile transmission service, and tax software programs or do it yourself, but as you know process of financial amendments and changes by the government took place with time to time and sometimes it’s tough for an individual to keep track of them. It can make critical to understand various kinds of available tax credits and deductions. That’s why it’s a good advice to use a professional service to get all the available credits to get full advantage.

There is something for everyone in terms of saving money; you can take advantage of tax credits and deductions this tax season. Discover all the ways to reduce your taxes as an individuals and families, seniors, homeowners, tradespersons, students, self-employed, persons with disabilities and Tax professionals. Learn about the several of tax-saving measures that government of Canada has adopted to benefit tax payer as an individual or business, who file tax return Canada this year:

Individuals

  • Children’s arts tax credit entitles families that may claim a non-refundable tax credit of up to $75 per child for eligible expenses (maximum $500) of enrolling in a prescribed program of artistic, cultural, recreational, or developmental activity.
  • Children’s fitness tax credit entitles families that may claim a non-refundable tax credit of up to $75 per child for eligible expenses (maximum $500) of enrolling in a prescribed program of physical activity.
  • First-time home buyers’ tax credit entitles first-time home buyers that can claim a non-refundable tax credit of $750 for the purchase of a qualifying home.
  • Public transit tax credit is a non-refundable tax credit that helps individuals covers the cost of public transit.
  • Pension income splitting help tax savings for pensioners in which they can split up to 50% of eligible pension income with their spouse or common-law partner and reduce their overall tax paid.
  • If you are a volunteer firefighter, you may be able to claim an amount of $3,000 through Volunteer firefighter tax credit.
  • Tradesperson’s tools deduction permits tradespersons to deduct from their income part of the cost of tools purchased throughout the year.

Business

  • Hiring credit for small business gives small businesses relief from the employer’s share of employment insurance premiums paid in 2011. The credit of up to $1,000 will automatically be credited to your payroll account.
  • Cost allowance Computer capital is a deduction that allows businesses to claim 100% of computer costs (including systems software) purchased after January 27, 2009, and before midnight on January 31, 2011.
  • Apprenticeship job creation tax credit entitles business to get tax credit, an eligible salary paid to an employee in a prescribed trade in the first two years of his or her apprenticeship contract qualifies for a non-refundable tax credit for the employer.
  • Investment tax credit for child care spaces entitle employers who carry on a business in Canada, other than a child care services business, can include a non-refundable amount in their investment tax credit calculation for each new child care space they create in a licensed child care facility they operate for the benefit of the children of their employees.
  • Small business deduction permits the net tax rate is 11%.for Canadian-controlled private corporations claiming the small business deduction,
  • Corporation tax rate reduction allows the corporation net tax rate decreases as follows: 18% effective January 1, 2010; 16.5% effective January 1, 2011; and 15% effective January 1, 2012.

Benefits of filing Personal Tax Return Canada for new Canadians and families

Tax filing brings great benefits for new Canadians, if you are a new Canadian resident and want to claim Canada Child Tax Benefit (tax-free monthly payments to cover the cost of raising children) for all of your children under 18 years old, don’t forget to file your tax returns before the dead line.   Moreover, it also makes you eligible to receive $100 a month for your each child under six years of age as a Universal Child Care Benefit.

The Goods and Services Tax (GST) / Harmonized Sales Tax (HST) credit is a tax-free quarterly payment that helps individuals and families with low or modest incomes offset all or part of the GST or HST that they pay.

Benefits of your contributions

In addition to the aforementioned tax-advantages, taking credit of financial contribution into tax-advantage savings and investment accounts like Tax-free Savings Accounts (TFSAs) and Registered Retirement Savings Plan (RRSPs) will bring more tax deduction, savings while your money grow as these accounts bring an ability to carry forward any unused contribution room to future years.

Moreover, you can only claim tax credit benefits and deductions on your spending through your Personal Tax Return Canada if you have receipts and proof of all of your expenses like medical expenses, first time homebuyer’s credits, children’s fitness and art credits, tuition fee, education and textbooks, interest paid on student loans, charitable donations, child and dependent care and lot more things, you may check for updates and review an authentic guideline on various related things here on official website of CRA (Canada Revenue Agency).

It’s time to file your Taxes, get free 24/7 Tax Advice! TurboTax Canada Online Coupons Codes & Free Deals 2012.


Budget Highlights! Support For The Financing of Vehicles and Equipment in Canada

The Government of Canada is therefore creating the Vehicle and Equipment Financing Partnership as part of BCAP. This program will be funded and managed by BDC, with an initial allocation of $500 million in funding, in partnership with experienced lenders and investors in the private market for asset-based financing. The partnership will expand financing options for small and medium-sized financing and leasing companies, increasing the availability of credit at market rates for dealers and users of vehicles and equipment. For more information on the Budget 2010 Department of Finance website, see Tax Measures:  Extending Access to the Financing Needed to Support the Recovery. Moreover, further details on this program will be expected to announce in the upcoming few weeks.


Bank of Canada’s Lowest Ever Interest-Rate Relief According To Canadian Consumer View Point

Lending rates hit record low when Bank of Canada announced last month, on January 20th that it would cut its key policy rate by half a percentage point. Instant market reaction was detected when BOC chopped its main interest to historical lowest rate ever.

Banking sector depresses Stocks and Loonie down after Bank of Canada cuts interest rate by half a point! The Toronto stock market was down over 100 points in early trading that took composite index tumbled latter at 177.7 points to 8,663.8 while Canadian dollar was down half a cent US after the Bank of Canada cut its key interest rate to one per cent.

On the other hand Canadian senior citizens don’t seem to be happy with the interest cut down because their interest returns on their investment and saving with the bank will affect their already fixed and limited means to squeeze more.

What Does It Affect You As A Debtor On Having Various Forms Of Debt?

  • Canadian Consumer Having A Mortgage Loan!

Fixed-rate pricing on downward trend! If your interest rate is fixed, pricing for fixed rate mortgages is higher than it normally would be, as lenders are accounting for higher perceived risk in the financial services industry.  The spread between a five-year Government of Canada Bond (1.58 per cent) and a competitive fixed rate mortgage rate (4.79 per cent) is now 3.21 per cent – which is much higher than what we have seen over the last few years.

Variable mortgages offer savings! If you have a variable rate mortgage, your payment level in most cases will remain the unchanged, but more of your payment will go towards the principal and less to interest. So you will be paying off your home more quickly. Moreover, whether the lower policy rate from the Bank of Canada will translate to lower interest rates for some borrowers remains to be seen, but variable-rate mortgages are still a cheaper option than they were a year ago.

  • Canadian Consumer Having A Credit Card!

Credit cards will likely remain where they are, at least for the time being. Given the state of the economy, credit-card companies are concerned about potentially higher delinquency rates. Their write-offs tend to be higher in tough economic times.

  • Canadian Consumer Having A Car Loan!

Car industry is going through a hard economic situation globally and so does here in Canada, although sluggish export results low production, high prices and cut jobs but government has taken timely steps to improve its efficiency in a way domestic sales on car prices will stay at moderate level. So, car loans seem to have remained fairly steady.

  • Canadian Consumer Having A Lines Of Credit!

Reduction in the prime rate leads to immediate savings for those who have variable rate mortgages, lines of credit and other floating interest rate loans. If your line of credit is tied to the prime rate and you are paying interest only, your payment will decrease. If you have a set payment, more of it will be applied to the principal and less to the interest.

  • Is It A Best Time For The Investors!

In trading business, your success depends on your purchase, that’s why big companies have more margins in their sales than the smaller companies because they cant get the benefits associated with the bulk purchases. Anyhow, it’s a best time especially for those who are having a right investment plan or opportunity where they can reinvest their borrowed money on such low interest rate. Although, most of the people will also planning to take advantage of more low interest rate by a half-percentage point which is expected to fall in June 10, 2009. But remember this next interest rate fall is not confirmed because it will only implemented if economy required to keep moving. But if you have a right investment today, tomorrow you may not, so don’t pass it away I guess I can see it being somewhat attractive.

…..


Immigration Loans Program For New and Recent Immigrant to Canada

Immigration Loans Program helping new Canadians to pay for training and certification costs to help find skill relevant work in their profession or trade! Discover about financial assistance and loans available for new and recent immigrant to Canada.Discover financial assistance and loans including personal loan and mortgage products designed for you:

Canada welcomes thousands of new immigrants every year and Government of Canada along with various financial institutions is ready to help you make the change. As a newcomer, you are definitely feeling burden and facing financial challenging environment; your primary goal is to get control of your money to become successful part of the new community, establish your family while stay in touch with your home land to feel informed and secure. eLoan Canada has gathered some important information here about Canada immigration loans program for new and recent immigrant to Canada, to help make your transition a little easier.

It’s a common myth that if you are a new Canadian and have not attained a status of a Canadian Citizen; you do not have right and qualify for financial assistance and loans like mortgage loan, personal loan, car loan, business loan, credit cards and or other credit facilities. The good news is that every landed immigrant can get financial assistance and loans to improve job skills and obtain the credentials to work in Canada, besides applying for other loans that facilitate life for smoother operation and confidence if you can afford, you may apply without any credit history.

There are several loan programs from Government and private sectors are available for new Canadian that will assist you to prepare for the job market and after getting a job and start earning. Beside federal loans programs there are variety of provincial loans that you can apply too, in case you need small business loan to start a new business or purchase an existing one, you can check your possibility with the province and territory where you reside.

According to the Conservative Leader Stephen Harper (2009 report of the House of Commons Citizenship and Immigration committee);

“Federal loan program targets all those new immigrants, who may not have the credit history to qualify for a private loans in the programs they need to get in, some of these programs can cost up to $25,000, may not qualify for support under existing programs such as Canada Student Loans Program and the Immigration Transportation Loans Program. He further states; the small investment in the future of new Canadians will strengthen the future of our economy for all the Canadians.”

According to Citizenship and Immigration Canada (CIC), The Immigration Loans Program provides refugees and protected persons with loans to cover the costs of medical examinations conducted abroad, transportation to Canada, travel documents, housing rental, telephone service deposits and the purchase of work tools, etc., on an easy to follow credit process, for more information and general enquiry you may call on the phone number: 1 888-242-2100

Getting for a mortgage loan is a dream of every individual; you will find various lenders offer mortgage products specifically tailored to the needs of new immigrant and or even non-landed immigrants. While most financial institutions traditionally have insisted that new immigrants provide a down payment of at least 20% to 35%, there are now lenders who offer qualifying new immigrants or those who have been transferred to Canada by an employer, mortgages which feature a much lower down payment.

When we talk specially about no credit check personal loans, most of the short term loan lenders in Canada like payday loans want to push their product in today’s online environment, please don’t accept these types of quick cash loans because it may be possible, you don’t afford it in relation to your uncertain earning or job, if so. Otherwise there is a recently launched GIC investment loan is getting popularly among people looking for personal loans for immigrants in Canada, it may be an ideal solution for all those Canadians who have not build their credit history as a new Canadian immigrants, and looking for some productive financing that will help them to build credit beside receiving a GIC savings account ensures better financial future. You can start building your credit profile that will help you in getting any type of loan or credit facility from best lenders and banks on best rates you need in future. On the other hand, GIC investment loan also help those people who need credit repair loans in Canada to combat their debt problems and bad credit history, it will help in rebuilding good credit history by improving credit score.

The primary purpose of writing on the subject of immigration loan program is to enhance a confidence level of all those individual seeking Canadian immigration and want to find out how their foreign education and job training will help them in Canadian market and what if they require financial help to cover the cost of any additional training and certification to get skill relevant work in their profession or trade, where immigrant loan program provides access to loans for such new Canadians. Moreover, if you are planning to settle in Canada but felt a great concern on the personal financial issue, you may consult with the Citizenship and Immigration Canada (CIC) and ServiceCanada about the credit possibilities with the Canada immigration loans program that may fit your own situation prior to the arrival, you are also advised to check online through province, and or territory’s website of your residence about provincial and territorial financial programs for newcomers and if you are a recent immigrant to Canada, contact loan and mortgage consultant near you to get advice on how you may qualify for financial assistance and loans aimed at new and recent immigrant to Canada. Above all, you will also meet lot of new immigrant enjoying credit facilities, like car loan, personal loan, student loan, mortgage, and credit cards products, ask them personally to get a practical and authentic information and solution.


New Canadian Mortgage Rules Announced

According to The Department of Finance’s announcement it has been changed some of the rules for the new high-ratio mortgages in Canada, which will take effect from October 15, 2008. According to the new mortgage policy in which Government of Canada adjusted its minimum standards for the mortgage insurance guarantee framework, new mortgages with government-backed mortgage insurance policies whether issued by the Canada Mortgage and Housing Corporation or private insurers, the maximum amortization period will be 35 years, and the minimum down payment will be five per cent (borrowers may borrow their five per cent down payment, but it will not be insured).

Canadian Mortgage Rule changes highlight:

  • Maximum amortization period has been fixed for new government-backed insured mortgages to 35 years.
  • Minimum down payment of 5% is now required for new government-backed insured mortgages.
  • Establishing a consistent minimum credit score requirement.
  • Requiring the mortgage lender to make a reasonable effort to verify that the borrower can afford the his/her loan payment.
  • Introducing lenders about new loan documentation standards to ensure that there is evidence of property value and the borrower’s sources and level of income.

Like most of the mortgage companies have already start working their maximum amortization to 35 years for new mortgages and so do the borrower start thinking their own way, where is a possibility the mortgage application mostly effected before implication date or after? but mortgage client is out in the market due to the favorable temperature and an interest rate which is already fixed by the Bank of Canada, and who knows what it’ll be after the October 15.


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