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145 Front Street East, Suite 107, Toronto, Ontario, M5A 1E1

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CRA

CRA

The Canada Revenue Agency (CRA) administers tax laws for the Government of Canada and for most provinces and territories; and various social and economic benefit and incentive programs delivered through the tax system.

MPAC

MPAC

Each year, the Municipal Property Assessment Corporation (MPAC) prepares an assessment roll for every Ontario municipality. The roll provides the assessed value of all the properties in a municipality or in the jurisdiction of a school board with taxing authority.

CMHC

CMHC

CMHC – Backed by 60 years of experience, we work with community organizations, the private sector, non-profit agencies and all levels of government to help create innovative solutions to today’s housing challenges, anticipate tomorrow’s needs, and improve the quality of life for all Canadians.

Equifax

Equifax

Equifax compiles credit reporting data from many sources and creates a credit file that reflects your personal credit history including your FICO score. Now you can view your credit report online enabling you to monitor your credit and monitor your score while protecting yourself from identity theft.? Before making major purchases, such as buying a home or car, you can…

5 tips to boost that down payment and avoid insurance fees

5 tips to boost that down payment and avoid insurance fees

CAMILLA CORNELL, SPECIAL TO THE TORONTO STAR When Cris Lam bought her pre-construction Toronto condo in 2014, she was in the enviable position of having a big enough down payment to avoid mortgage default insurance fees. Even with her parent’s contribution, Lam needed a financial planner’s help. She met with Victor Godinho, a financial planner with Pangea Personal Financial Planning,…

Flexibility is Key to First Home

Flexibility is Key to First Home

Despite pitfalls, getting on the ladder as a young buyer is possible. Molly McGrath, 25, and Jonathan Palmer, 27, began their house hunt in early January. “We had just gotten engaged,” she says. “And a gift from my grandfather made it possible for us.” But the couple’s introduction to the Toronto housing market was like a bucket of cold water over her head.

Ditching your wallet wholesale for plastic cards and mobile payments may be a bad idea, say financial advisers

Ditching your wallet wholesale for plastic cards and mobile payments may be a bad idea, say financial advisers

Financial planner Victor Godinho said goodbye to his wallet four years ago and hasn’t looked back. The 23-year-old adviser at the VTAG Financial Group Inc. in Toronto was one of the early adopters of the “cashless” lifestyle, a move to ditch pocket change and bills in favour of plastic cards and mobile phone payments.