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  • The 5 C’s of Credit…credit worthiness

    • November 11, 2014
    • Posted by: Brian Poncelet
    • Category: Annuity, Approved, Disability Insurance, Federal Politics, Hollywood, Life Insurance
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    Here is the 5 C’s of credit worthiness: 1. Character What is the history of past repayment of debt. 2. Capacity Can they afford it? See GDS and TDS ratios 3. Capital Really net worth..like house (less mortgage, line of credit) 4. Credit Credit bureau and current debt levels 5. Collateral Can the debt be

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  • CPP survivor benefit: One retiree’s 98 cent a month shock!!!!

    • November 19, 2013
    • Posted by: Brian Poncelet
    • Category: Annuity, Approved, Federal Politics, Life Insurance
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    By:        Adam Mayers Personal Finance Editor,              Published on Sun May 26, 2013 From: Toronto Star My thought is one of the better business stories about CCP   When Canada’s finance ministers meet next month, one of the things on the table will be improvements to the Canada Pension Plan.   It’s an annual

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