By Douglas P. Welbanks
I have been waiting for a long time for someone else to speak up about the sudden disappearance of common courtesies and basic manners. Thank you Douglas Todd for having the audacity to make the issue public in his recent article entitled, Are bad manners slowly becoming socially acceptable?
He begins the public discussion by citing a recent poll conducted by Mario Canesco of Insights West that suggests our international reputation of Canadian politeness is rapidly becoming extinct. In the survey he found 62% of British Columbians out of a group of 700 believe we are less polite – and that this deterioration has occurred in the last 5 years. Highlights of this survey are as follows: Continue reading
It’s Halloween and it’s time to get scared again. But I have something much more frightening than ghouls, Frankenstein or vampires. Yes, indeed. Zombie debts can fly out of the darkest caves and scare you into an appointment with a lawyer. Can anything beat that?
A zombie debt is a debt that has died but keeps coming back to life. There are all kinds of them. It could be a forgotten dental bill or an old Visa balance. Continue reading
Welcome! My name is Margaret, and I’m an Insolvency Counsellor registered by Industry Canada.
My philosophy is simple: “Your credit rating is not a reflection of your personal worth, it is merely a credit industry tool”.
After spending 25 years in the financial industry in both lending and collecting, I launched Solutions Credit Counselling Service Inc™ and Women and Money Inc. to help those burdened with debt regain their financial independence. Since then I’ve helped countless individuals become financially literate, and put them on the path to financial health recovery. I have also served many terms as President of the Canadian Association of Independent Credit Counselling Agencies (CAICCA). Continue reading