Author: Adam Stapley

Fixed rate vs variable rate: Laptop and notebook on desk with a pair of reading glasses

Fixed Rate vs Variable Rate: Which Rate is Best for Mortgages?

posted Wednesday, July 6, 2022

by: in Durham Region's Financial Expert

Over the past six months, one of the most frequent questions that I’ve faced from Canadians is whether fixed or variable mortgage rates are best. As with any mortgage, there is no single answer to this question. In this article, I break down the factors that you want to consider when choosing an interest rate. […]

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Silhouette of a man staring at a graph on a projector screen. Red arrow moving up and to the right is visible on the screen

Rising Inflation, Interest Rates and War, Oh My!

posted Tuesday, April 19, 2022

by: in Durham Region's Financial Expert

Reading the news can bring a sense of dread with rising inflation, interest rates and war headlining 2022. Sometimes it can feel overwhelming trying to read through the headlines to discern how current events can impact your finances. To bring some perspective – and to let you know that no, the world is not ending,  […]

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2 Ways to Get Out of Debt Faster

posted Friday, January 14, 2022

by: in Durham Region's Financial Expert

Now that the holiday season is over, many of us are waking up to the same holiday hangover. January is the month when those credit card bills start rolling in and we see how much debt we’ve racked up over the festive season. But 2022 is a brand new year and this is the year […]

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The Letter dices RRSP next to a white ceramic piggybank and a wooden hourglass. A fifty dollar banknote is inserted into the piggybank's slot.

Why You Need to Start an RRSP Plan

posted Tuesday, December 7, 2021

by: in Durham Region's Financial Expert

Why You Need to Start an RRSP Plan If you want to retire and enjoy financial freedom, you need to start an RRSP plan today. If you’re like most Canadians, you might not know what an RRSP, or Registered Retirement Savings Plan, is or why you should be using one. This article guides you through […]

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Fixed rate vs variable rate: Person in blue suit holding toy house

How Mortgage Interest Rates Work

posted Wednesday, November 24, 2021

by: in Durham Region's Financial Expert

As a mortgage broker, one of the most common questions first time home buyers as-is: “How do mortgage interest rates work”?. The truth is that many Canadians don’t truly understand how interest works. This fact isn’t surprising as personal finance receives a backseat to most subjects taught in public school. This article will teach you […]

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A jar full of change labeled "House fund"

Managing a Personal Budget: Your key to financial success

posted Tuesday, September 21, 2021

by: in Durham Region's Financial Expert

Did you know that almost 51% of Canadians don’t know how to manage a personal budget? This shocking statistic results from a complete lack of personal finance education in our public schools. Moreover, a lack of budget planning has led to the average Canadian having $1.77 in debt for every $1 of income in 2019 […]

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The Best Mortgage Advice I’ve Ever Given: Don’t Buy That Car

posted Tuesday, September 7, 2021

by: in Durham Region's Financial Expert

As a mortgage agent, I’m often asked ‘What is the best mortgage advice I’ve ever given?’. Though for me the answer is easy, for others, it’s a bit difficult to understand. After reading this article, you’ll understand why ‘Don’t buy that car’ is some of the best mortgage advice I’ve ever given. The Importance of […]

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