You are entitled to receive a credit report once a year for free from the different credit bureaus in Canada; Equifax and TransUnion. If you ask for your credit report once a year from both Credit Bureaus it reflects well on your report because it shows lenders and rental properties that you are a responsible person.
Equifax is the major credit bureau, majority of the financial institutions in Canada use when it comes to lending. For more information please check out their website.
Web: http://www.econsumer.equifax.ca or contact them by mail or phone at:
National Consumer Relations
P.O. Box 190, Station Jean-Talon,
Montreal, Quebec, H1S 2Z2
Tel: 1-800-465-7166
Facsimile: 514-355-8502
Email: consumer.relations@equifax.com
TransUnion is the second credit bureau in Canada; they keep all records for a much longer period then Equifax. Here is there website address; http://www.creditprofile.transunion.ca or you can contact them by mail or phone:
For all provinces except Quebec:
Telephone: 1-800-453-9528
8:00 AM until 8:00 PM EST, Monday to Friday
Or write to:
TransUnion Canada
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, Ontario, L8L 7W2
Tuesday, March 24, 2009
Wednesday, January 28, 2009
The Federal Budget: Tax Credit for Your Home Renovations
The proposed federal budget offers a temporary new tax credit for your home renovations. If you have cash and are capable of making modifications to your home you can get a tax-credit for up to $1350. I wonder how that is going to help the masses. We would have to put it on a credit card to benefit receiving the tax-credit. I find this irresponsible to rack up the credit card just to stimulate the economy. Thanks, but, no thanks!!
Who wrote this budget, Stephan Harper or Paul Martin???
Who wrote this budget, Stephan Harper or Paul Martin???
Saturday, January 17, 2009
Know Your Credit Score
When you’re applying for credit; whether it’s a credit card, a car loan, a personal loan or for a mortgage,lenders want to know your credit risk level.
In other words, “If I give this person a loan or credit card, how likely is it that I will get paid back on time?” There are two
major credit reporting agencies (Equifax and TransUnion) in Canada that maintain records of your use of credit and other information about you. These records are called credit reports, and lenders will want to check your credit report when you apply for credit. In most cases, lenders will also want to know your credit score.
In other words, “If I give this person a loan or credit card, how likely is it that I will get paid back on time?” There are two
major credit reporting agencies (Equifax and TransUnion) in Canada that maintain records of your use of credit and other information about you. These records are called credit reports, and lenders will want to check your credit report when you apply for credit. In most cases, lenders will also want to know your credit score.
Raigen D’Angelo’s New Years Resolutions 2009
I have so wanted to focus on something that was very relevant to everyone’s future – our chance to retire with enough money so we do not end up having to choose between medication and food in my senior years; hence all the changes to my blog.
After many years of not caring and screwing up our lives financially, times have got to change. It won’t be easy to say the least as I am barely making money and we are basically a one income household from the private sector that has no pension fund.
This year we will really have to know the word “NO”, we are so deep in credit card debt and we have to get out of that. No more wasting money this year and just for today.
Cheers to financial independence to you!!
After many years of not caring and screwing up our lives financially, times have got to change. It won’t be easy to say the least as I am barely making money and we are basically a one income household from the private sector that has no pension fund.
This year we will really have to know the word “NO”, we are so deep in credit card debt and we have to get out of that. No more wasting money this year and just for today.
Cheers to financial independence to you!!
Wednesday, December 31, 2008
Auld Lang Syne
I found two versions of the new year song:
Should auld acquaintance be forgot
and never brought to mind?
Should auld acquaintance be forgot
and days of auld lang syne?
For auld lang syne, my dear,
for auld lang syne,
we'll take a cup of kindness yet,
for auld lang syne.
Should auld acquaintance be forgot
and never brought to mind?
Should auld acquaintance be forgot
and days of auld lang syne?
And here's a hand, my trusty friend
And gie's a hand o' thine
We'll tak' a cup o' kindness yet
For auld lang syne
*********************
Should old acquaintance be forgot,
and never brought to mind ?
Should old acquaintance be forgot,
and old times since ?
CHORUS:
For auld lang syne, my dear,
for auld lang syne,
we'll take a cup of kindness yet,
for auld lang syne.
And surely you’ll buy your pint cup !
And surely I’ll buy mine !
And we'll take a cup o’ kindness yet,
for auld lang syne.
CHORUS
We two have run about the slopes,
and picked the daisies fine ;
But we’ve wandered many a weary foot,
since auld lang syne.
Should auld acquaintance be forgot
and never brought to mind?
Should auld acquaintance be forgot
and days of auld lang syne?
For auld lang syne, my dear,
for auld lang syne,
we'll take a cup of kindness yet,
for auld lang syne.
Should auld acquaintance be forgot
and never brought to mind?
Should auld acquaintance be forgot
and days of auld lang syne?
And here's a hand, my trusty friend
And gie's a hand o' thine
We'll tak' a cup o' kindness yet
For auld lang syne
*********************
Should old acquaintance be forgot,
and never brought to mind ?
Should old acquaintance be forgot,
and old times since ?
CHORUS:
For auld lang syne, my dear,
for auld lang syne,
we'll take a cup of kindness yet,
for auld lang syne.
And surely you’ll buy your pint cup !
And surely I’ll buy mine !
And we'll take a cup o’ kindness yet,
for auld lang syne.
CHORUS
We two have run about the slopes,
and picked the daisies fine ;
But we’ve wandered many a weary foot,
since auld lang syne.
Wednesday, June 27, 2007
Marianne Faithfull - Working Class Hero
As soon as you're born they make you feel small
By giving you no time instead of it all
Till the pain is so big you feel nothing at all.
A working class hero is something to be,
A working class hero is something to be.
They hurt you at home and they hit you at school,
They hate you if you're clever and they despise a fool
Till you're so fucking crazy you can't follow their rules.
A working class hero is something to be,
A working class hero is something to be.
When they've tortured and scared you for twenty odd years
Then they expect you to pick a career,
But you really can't function you're so full of fear.
A working class hero is something to be,
A working class hero is something to be.
Keep you doped with religion and sex and TV
And you think you're so clever and classless and free,
But you're still fucking peasants as far as I can see.
A working class hero is something to be,
A working class hero is something to be.
There's room at the top they are telling us still,
But first we must learn how to smile as we kill
If we want to live like the folks on the hill.
A working class hero is something to be,
A working class hero is something to be.
A working class hero is something to be,
A working class hero is something to be.
By giving you no time instead of it all
Till the pain is so big you feel nothing at all.
A working class hero is something to be,
A working class hero is something to be.
They hurt you at home and they hit you at school,
They hate you if you're clever and they despise a fool
Till you're so fucking crazy you can't follow their rules.
A working class hero is something to be,
A working class hero is something to be.
When they've tortured and scared you for twenty odd years
Then they expect you to pick a career,
But you really can't function you're so full of fear.
A working class hero is something to be,
A working class hero is something to be.
Keep you doped with religion and sex and TV
And you think you're so clever and classless and free,
But you're still fucking peasants as far as I can see.
A working class hero is something to be,
A working class hero is something to be.
There's room at the top they are telling us still,
But first we must learn how to smile as we kill
If we want to live like the folks on the hill.
A working class hero is something to be,
A working class hero is something to be.
A working class hero is something to be,
A working class hero is something to be.
Marianne Faithfull - The Ballad Of Lucy Jordan
The kind of day and week I have had - were I am not to fond of men, gay staight or otherwise. Here is how I feel:
The morning sun touched lightly on the eyes of Lucy Jordan
In a white suburban bedroom in a white suburban town
As she lay there 'neath the covers dreaming of a thousand lovers
Till the world turned to orange and the room went spinning round.
At the age of thirty-seven she realised she'd never
Ride through Paris in a sports car with the warm wind in her hair.
So she let the phone keep ringing and she sat there softly singing
Little nursery rhymes she'd memorised in her daddy's easy chair.
Her husband, he's off to work and the kids are off to school,
And there are, oh, so many ways for her to spend the day.
She could clean the house for hours or rearrange the flowers
Or run naked through the shady street screaming all the way.
At the age of thirty-seven she realised she'd never
Ride through Paris in a sports car with the warm wind in her hair
So she let the phone keep ringing as she sat there softly singing
Pretty nursery rhymes she'd memorised in her daddy's easy chair.
The evening sun touched gently on the eyes of Lucy Jordan
On the roof top where she climbed when all the laughter grew too loud
And she bowed and curtsied to the man who reached and offered her his hand,
And he led her down to the long white car that waited past the crowd.
At the age of thirty-seven she knew she'd found forever
As she rode along through Paris with the warm wind in her hair ...
The morning sun touched lightly on the eyes of Lucy Jordan
In a white suburban bedroom in a white suburban town
As she lay there 'neath the covers dreaming of a thousand lovers
Till the world turned to orange and the room went spinning round.
At the age of thirty-seven she realised she'd never
Ride through Paris in a sports car with the warm wind in her hair.
So she let the phone keep ringing and she sat there softly singing
Little nursery rhymes she'd memorised in her daddy's easy chair.
Her husband, he's off to work and the kids are off to school,
And there are, oh, so many ways for her to spend the day.
She could clean the house for hours or rearrange the flowers
Or run naked through the shady street screaming all the way.
At the age of thirty-seven she realised she'd never
Ride through Paris in a sports car with the warm wind in her hair
So she let the phone keep ringing as she sat there softly singing
Pretty nursery rhymes she'd memorised in her daddy's easy chair.
The evening sun touched gently on the eyes of Lucy Jordan
On the roof top where she climbed when all the laughter grew too loud
And she bowed and curtsied to the man who reached and offered her his hand,
And he led her down to the long white car that waited past the crowd.
At the age of thirty-seven she knew she'd found forever
As she rode along through Paris with the warm wind in her hair ...
Thursday, November 30, 2006
People Pleasing
I suffer from People Pleasing; I want to be liked by everyone. Today, I realized a big a lesson in life. I will not be defined by others. I went to go see Stedman Graham a few weeks ago or a month ago. I have thought of his profound words about allowing others to define people.
I remember through my childhood being told that I was worthless, my foster parents told me the same and society told me the same. For some bizarre reason, I have allowed those voices to guide my direction or lack of direction.
I had another blog before this one and I rarely posted because I was so darn busy trying to please everyone else but myself. I put my political party before myself, I put all the boards I sit on before myself, all in hope to change the world and hopefully make it a better place for people like myself. I put on one post the party didn’t like and I get the cold shoulder. These entire people pleasing have made me sick to my stomach. It is time to let go.
I allowed all those external energies control me. Today I am putting a stop to it all. I will give only what I can give, no more, no less. I still believe that I need too make changes in the world, to the extent that I will go is now going to be limited.
I have given so much of myself that I have begun to resent what I stand for. My progressive values will stay intact but I am only donating limited hours of my time to the political party that I support and I will be devoting more time to my husband and my true friends.
Who cares about how unimportant some may think I am, my husband doesn’t, I know I am not, and neither do my true friends. All those people that I have been kissing up to, please you are no more important than I.
I remember through my childhood being told that I was worthless, my foster parents told me the same and society told me the same. For some bizarre reason, I have allowed those voices to guide my direction or lack of direction.
I had another blog before this one and I rarely posted because I was so darn busy trying to please everyone else but myself. I put my political party before myself, I put all the boards I sit on before myself, all in hope to change the world and hopefully make it a better place for people like myself. I put on one post the party didn’t like and I get the cold shoulder. These entire people pleasing have made me sick to my stomach. It is time to let go.
I allowed all those external energies control me. Today I am putting a stop to it all. I will give only what I can give, no more, no less. I still believe that I need too make changes in the world, to the extent that I will go is now going to be limited.
I have given so much of myself that I have begun to resent what I stand for. My progressive values will stay intact but I am only donating limited hours of my time to the political party that I support and I will be devoting more time to my husband and my true friends.
Who cares about how unimportant some may think I am, my husband doesn’t, I know I am not, and neither do my true friends. All those people that I have been kissing up to, please you are no more important than I.
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