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2016.12.19, Monday

2016 Financial Quackery Award

Nominees and winner can be seen at Financial Quackery Award

The Financial Services Consumer has announced the nominees and winner of the 2016 Financial Quackery Award.

Financial quackery is the misrepresentation of facts in the promotion of financial products or services by someone in a position of power, influence or trust over the consumer.

The 2016 Financial Quackery Award was created to put the light on the all the quackeries plaguing the financial industry.

Did the AMF failed in the simple task of managing the quality of life insurance examination?

Bill 141 would basically abolish the Chambre Financiere in Quebec and transfer the responsibilities of the Chambre to the AMF. But is this too much responsibilities for the AMF? There are evidence that the AMF has eroded the level of knowledge ...

Are licensed life insurance representatives in Quebec competent?

There is a lot of noise surrounding the introduction of Bill 141 in Quebec which officially introduces regulations pertaining to insurance sales directly to the public without the involvement of a licensed representative. Considering all of the ...

Paying Down a Mortgage: Not simple as it seems to be…

MortG is a multi-function mobile application designed for mortgages. Available for the USA and Canada market, in French, English and Spanish, this app does it all from calculating payments, closing costs, pre-approval, rent/own analysis, paying ...

Reverse Mortgage, victim of financial discrimination?

MortG is a multi-function mobile application designed for mortgages. Available for the USA and Canada market, in French, English and Spanish, this app does it all from calculating payments, closing costs, pre-approval, rent/own analysis, paying ...

How do you account for MERs in financial planning?

The Management Expense Ratio (MER) represents the combined total of all the fees applied to a Mutual Fund. This includes the management fee, operating expenses and taxes charged to a fund during a given year. It is expressed as a percentage of a ...

Interest rates rising could bring debtors to their knees

A potential court ruling allowing payments to increase on Variable Rate Mortgage as interest rates rise could lead to huge costs and even bankruptcy to consumers who have selected this type of mortgage.   In an era of low interest rates, ...

Quebec government under pressure not to allow fishing without the use a fishing guide…

In the National Assembly, Quebec Minister of Parks, Wildlife and Forest Luc Blanchette stood during question period stating that “ providing fishing advice should not be an exclusive activity and to pretend that only fishing guides be allowed to ...

Debunking Mortgage Life Insurance, Part 3

It is absolutely amazing to see the amount of disinformation distributed by various parties on the subject of mortgage life insurance. Is this done on purpose? What are lawyers saying? Click here to see sharelawyers. Here is a lawyer website ...

Debunking Mortgage Life Insurance Part 2

SUMMARY: POST UNDERWRITING APPLIES EQUALLY TO BOTH TRADITIONAL INSURANCE AND MORTGAGE LIFE INSURANCE. ANYONE STATING OTHERWISE HAS LITTLE KNOWLEDGE OF INSURANCE OR IS SIMPLY LYING TO MAKE AN EASY BUCK. IF YOU ARE A LIFE AGENT READING THIS: WHICH ...

Debunking Mortgage Life Insurance Part 1

It is about time that someone exposes the real truth about mortgage life insurance. Sadly what is written on the internet about this topic is an amalgamation of unproven facts, misrepresentations and blatant lies.   As it currently stands, ...