Saip's shabby treatment reflects morality of another age

The manner in which the Conservatives dealt with him is another example of why good people avoid political life

By Craig McInnes, Vancouver Sun

A column about disclosure should begin with a few.

My first marriage failed. I have invested in businesses that went bankrupt. In retrospect I made poor decisions although they always seemed like good ideas at the time.

I have been in disputes with Revenue Canada. I have won some and lost some. They were always painful.

All of these life experiences are part of who I am today, for better or worse. I think for better.


Read more: http://www.vancouversun.com/Saip+shabby+treatment+reflects+morality+another/4509122/story.html#ixzz1Hx0CUDLA

CLICK HERE for the entire story at VancouverSun.com

Deep in debt, spendthrift up against retirement

Situation Civil servant with negative net worth

Strategy Rein in spending, work part-time, pay debts

Solution More discretionary income

In Vancouver, a woman we'll call Suzette, 58, has put 37 years into her job and wants to retire in a few months, then return to work part-time. She will have to work to supplement her pension, for her financial cupboard is almost bare. Her assets are $2,500 in an RRSP. Period. She lives on credit. She rents a home from her ex-husband for $900 a month, which is 18% of her $4,983 monthly take-home income.

CLICK HERE for the entire story from The Financial Post

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Staring down retirement, spendthrift deep in debt

In Vancouver, a woman we’ll call Suzette, 58, has put 37 years into her job and wants to retire in a few months, then return to work part-time. She will have to work to supplement her pension, for her financial cupboard is almost bare. Her assets are $2,500 in an RRSP. Period. She lives on credit. She rents a home from her ex-husband for $900 a month, which is 18% of her $4,983 monthly take-home income.

Her plan, which she would put into place when she turns 59 in March, would boost her monthly pension income with $3,500 part-time income and, after deductions and taxes, give her about $7,000 of after tax income each month.

CLICK HERE for the entire story

Massive Credit Card Debt Leads to Bankruptcy in Canada

Look in the mirror. It’s likely that you have more in common with the average person who files bankruptcy in Canada than you may think.

My name is Douglas Hoyes, a trustee with Hoyes, Michalos & Associates Inc. in Ontario, and today we released Joe Debtor, The Face of Bankruptcy, a comprehensive new research study profiling the average person who files a consumer proposal or bankruptcy in Ontario. We call this average person “Joe Debtor”.

Who is Joe Debtor? What does he look like?

Joe Debtor looks just like the average Canadian. He has a job, and may also own a home. He is very similar to the average person. The only difference between Joe Debtor and the average Canadian is that Joe Debtor has a huge amount of debt.

CLICK HERE to view the report