Many of us have never known ‘normal’ let along high mortgage interest rates although it wasn’t that long ago that 6 or 6.5% was the norm for a 5 year mortgage. When I started working at the bank (in the mid 90’s) the rates were closer to 10%!   How much difference would a 1% […]

I thought the days of the UCCB (Universal Child Care Benefit) were gone once our girls turned 6. Although the $100 per child per month wasn’t much and certainly didn’t cover even a tiny amount of their child care fees, it covered half of their annual RESP (Registered Education Savings Plan) – $1,200 of $2,500! […]