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THE KEY TO NOT BEING BROKE

Are you trying so hard to get out of debt, but everything you try seems to not work for you?

 

You can find a lot of advice and opinions on the internet about being broke and getting out of it. And yes, most of them are a bit harsh on how they talk about the people who are in debt. Opinions that make you feel ashamed.

 

But if you are an immigrant couple like us, my friend, you are superhuman, no matter the reasons or circumstances you came to this country… you took the risk, you made the decision to leave behind everything you knew and start a completely new life, in a country you didn't know. 

 

So if you are struggling with money right now, don't feel ashamed!! You just got lost on your path to building your American or Canadian Dream, and if you are watching this video, you are looking for ways to fix it. And that my friend says a lot about who you are, so be proud of your accomplishments and be committed to making your dreams come true. Please share...

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WHY IMMIGRANTS SHOULD GET A CREDIT CARD

Do you want to know how credit cards helped us to reach our financial freedom in a new country? 

I know. Credit cards are scary because of their relationship to debt. But actually, using credit cards can be very beneficial if you want to establish a solid foundation in your new country. Why? Because credit cards help you create a financial history so in the future you can buy your dream home, start a business, etc.

And if you are like us and immigrated to this country in your mid 20s, 30s, or more… you really need to create an excellent credit history fast so you can build that dreamed life you have in mind before you get too old and tired to achieve it. 

Your credit history will show the bank if you are responsible enough to commit to a big debt like a mortgage… they will check your level of debt, if you pay it consistently, if you carry a balance every month, etc. So with this information, they will define how risky you are for them. If you have too much...

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HOW TO GET THE BEST DEAL BUYING A USED CAR?

If you have been following this mini-series about buying a car, you have learned about the difference between a new and used car, and the process you need to follow before you decide to buy a car. Today I will give you some tips on how to get the best deal. So let’s dive into it.

The best-negotiating power is cash

If you have the money to pay for a car I recommend you to buy privately or if you have to finance and buy from a dealer, then wait for the best time to buy. According to Autotrader the best time is the end of the month or during holiday weekend sale. If you go to a private seller, try to find out how urgent it is for them to sell or for how long they have tried to sell it, this will help you to know how much you can negotiate on the price.

Make sure always to negotiate but don’t lowball because you can piss off the seller and the deal will end up nowhere.

If you don’t have the money and you really need a car. You need to look for the most affordable...

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HOW TO BUY A USED CAR?

       

Welcome to our blog!. Today we have a lot to cover, so let’s jump right away on how to buy a used car so you can avoid headaches and awful surprises.

  1. Figure out your car budget

    Don’t go look for cars unless you know exactly how much you can pay for it. If you can pay cash great!! But if not you need to be really honest on how much are you able to compromise when you finance it. On the next video, I will talk in depth about how to get the best deal, for now just defined how much are you willing to spend on a car without putting your family's finance in risk.
  2. Do the research

    You have to focus on these 4 things: year, kilometres, price and quality.  And the best deal will be the combination of these 4 characteristics. I said it in the previous video, and I will repeat it, the purpose of a car is getting you from point A to point B so unless you have the money to pay for it, it’s not time to look for your dream car. You need to...
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NEW V/S USED CAR - WHAT SHOULD I BUY?

     

Do you want to buy a car, but you don’t know where to start?

We created a video series to help you make the best decision. Today we are sharing some tips for you to decide if you should buy a new or a used car.

 

When it comes to buying a car, there are so many things you have to consider and just to start thinking about it gets overwhelming. So let’s start from the beginning. Should you buy a used our new car. Before I tell you my opinion, I will compare both options on Safety and Cost.

 

Safety:

We can all agree that buy a new car is more reliable than buying a used one. If a new car breaks down, you can have it fixed for free under the included factory warranty, at least for the first 36,000 miles or three years that most carmakers offer. They have more advanced technology which makes them safer and more comfortable to drive. But like most things in life, there are manufacturer mistakes, and we have seen cars being recalled because of...

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