When you got married or had kids, you probably had dreams about all of the things you were going to provide to your family. We’re talking about that house with the white picket fence, those annual vacations under the sun, and even the pricey tech toys every other kid at school already has.

But you know as well as we do that giving your family a great quality of life costs money. And unfortunately, money doesn’t grow on trees. So you probably have a mortgage to cover your home, credit cards to pay for daily expenses, and maybe even a loan for your car. 

And for this reason, there’s something you may be wondering: “What happens to all of this debt when I die?” 

After all, when you’re working hard to give your family the best life possible, the…

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Starting in April, the government will change the rules that cover mortgage lending in a way that should, in the short term at least, make it easier to qualify for a loan to buy a home.

The Department of Finance says that as of April 6, the so-called "stress test" for mortgages will be calculated in a new way.

The stress test was implemented in January 2018 as a way to let some of the speculation out of the housing market at the time. It does so by making sure borrowers will be able to pay down their debts even if rates move higher. A would-be borrower is tested against his or her ability to pay down the loan at a higher interest rate, and if the borrower fails the test, a lender isn't allowed to loan them money.

The rules had the effect of…

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You know what’s great about really bad winter weather? It forces you to spend more time indoors and give your home some TLC. When you’ve finished Netflix bingeing and need to stretch your legs, take a quick tour of your home with a notebook and make a list of things that need fixing. 

Here are 16 winter home maintenance tips to save time and money that you can DIY or have someone who specializes in local handyman services do the work for you. 

  • Test smoke and carbon monoxide detectors to ensure they’re working. Replace the batteries if necessary.
  • Check weather stripping around doors and windows and replace if they’re coming loose or you feel a draft.
  • Change your furnace filter so it continues to block dust and debris.

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