As joyful as the holidays may be, it can be easy to rack up credit card charges and debt. If you’re unsure about how to pay off your holiday debt, follow our tips below to get started! Set Your Goals Set realistic goals for yourself and focus on paying down your credit card with the…
Author: encompassmarketing
When a Term Deposit (GIC) is a smart investment choice
Investing your money is important. Some people are more risk tolerant than others, depending on how they view investing, or perhaps even due to the stage of life that they are in. If you’re planning on going into a long term investment with a mutual fund, or RSP, the ups and downs of the market…
Your Budget – Death by a Thousand Cuts
By Jess McEvoy, CIM, PFP When we create a personal budget, we usually start with our take-home pay and then subtract expenses. For simplicity’s sake, we lump as much as we can into as few categories as possible. We have categories like mortgage/rent, food, vehicle expenses, entertainment, utilities, gas, and maybe one or two others….
Credit unions work for Albertans – why this matters today more than ever
Credit Unions of Alberta’s Ian Burns shares his thoughts on how credit unions work for Albertans Albertans are incredible people. Over time we’ve built great industries, institutions and communities, with a standard of living that for many years has been a lure for entrepreneurs and anyone who dreamt big. And we did it by working…
What we can learn about finances from Christmas movies
By Kelly “The angry elf” Clemmer, Encompass Marketing Ok, it’s Christmas time, and here you are, reading a financial institution’s blog. Maybe you’re just taking a minute away from the family or your drunk uncle talking about politics… either way, there’s something that we all can learn, financially (when in Rome) from your favourite Christmas…
How to spot misleading info online and what to do about it
The case of the Misleading Meme With all the information that’s available online, it’s inevitable that some of it will be wrong. Sometimes it’s a case of inaccurate facts, sometimes it’s opinion, satire or parody, and other times, it’s a case of deliberate attempts to mislead or influence public opinion through alternative media. Either way,…
Top 12 Christmas Destinations (That You Can Afford!)
Wearing 5 layers of clothes? Muddy footprints by the door? Spending your morning shoveling the sidewalk? Winter is here, but that doesn’t mean you have to be! Here are just a few of the best affordable winter vacations this season. Florida Keys This chain of islands connected to the mainland gives you all the benefits…
5 ways to protect your privacy on a new smart device
Whether it was on your wish list, or you gifted one to a family member, chances are someone in your household received a new device that connects to the Internet. While connected devices (also known as “smart devices”) are fun and make our lives easier, they also provide opportunities for hackers to access personal and…
Black Friday and Cyber Monday Top 10 Fraud Tips
It’s Holiday Season for the bad guys too! But not the way you might think. They go into scam-overdrive mode. Black Friday and Cyber Monday are the busiest on-line shopping days and the bad guys are planning to get rich with your money. So, here are the Top 10 Fraud Alert Tips Never click on…
November is Financial Literacy Month
It’s really easy to feel overwhelmed or bogged down by that stormy cloud that hangs over one’s head when it comes to personal finances. Most of us are not accountants, and don’t have dreams of spread sheets and flying numbers, to most of us, that sounds like a nightmare. November is financial literacy month, and…
