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Employment and Finance

After you work for an employer and loose your job, your first option is to apply for EI. What happens when your EI application is turned down? Do you know what your next options are? In addition to appealing your EI decision, you can have many options offered by HRDC to enable you to get back into the work force.

See the section on Hidden Job market on this website and find out how you can tap into this job market by "thinking and doing things outside the box".  

  

Getting a job interview - Tapping the Hidden Job Market:

What happens when you are in-between jobs or are a new arrival in Canada and are asked to show “Canadian experience”?  What about the professionally qualified immigrants who come from other countries where they were holding jobs as doctors, engineers, scientists, etc. and are not successful when they apply for similar jobs in Canada? Very often you hear the term “hidden job market” and how 80% of the jobs out there are not advertised. So, how do you tap the hidden job market and have access to 80% of those jobs?

We will introduce you to the "14 Steps to a Job Interview" program, where if you follow
the steps persistently, you can be almost guaranteed of a job interview for the organization you want to work for and for the position you are aspiring to achieve.

Clean Bill of Wealth
As you know, when you go to your doctor for an annual health exam, you do not want it, but you need it, and hence you go to find out how your health is doing generally. During that time, some issues may come up which you were not aware about and therefore you can take steps to correct any health problems.

Similarly, once a year you need to go to a financial doctor (e.g. your tax preparer, your accountant, your mortgage advisor, etc.) and do a true financial and credit check on your records. You will not believe the secrets that are revealed during this research and that will truly astound you. For example, if you have not checked your credit bureau records for a long time, you might be surprised to note who is doing a credit check on you without your knowledge, which credit company or vendor has not updated your payment records, etc., which is affecting your beacon score and that in turn affects the rate you are charged when you go for a loan, or to buy a car, or for a mortgage, etc. Having the highest beacon score, means having a Clean Bill of Wealth, which you can use to your advantage at the right time.

For more information on Clean  Bill of Wealth and how it could affect your home buying or selling, please select here.

Financial problems

Credit Recovery:
When your dreams are shattered by bad credit, you do not know whom to turn to. When you are faced with maxed-out credit cards, harassment from collectors, fear of losing home or job, income hours cut back, etc. you need the right advice to find financial freedom.

Do you know where to go for the right advice? (If you know someone having credit card problems, or receiving pesty calls from collectors, tell them to go here.)

DebtMasterS.caTM  was created to help people who have come into difficult financial times. They specialize in providing education about the financial system and programs to aid your recovery from whatever circumstance that has become stressful. With their help you will better understand your credit situation and all options that may be available to you. More importantly, their program helps people begin re-establishing their credit everyday.  

DebtMasterS.caTM  offers:  
  • Debt counseling
  • Debtors Assistance - learn how to increase your cash flow
  • Simple, sound, credit and debt management advice tailored to your needs
  • Debt Management Programs (DMPs)
  • Orderly repayment of debts
  • Elimination of collection calls from creditors and debt collectors
  • Structured repayment programs (DMPs) and bankruptcy referrals
  • Financial literacy workshops and seminars
  • Bankruptcy Insolvency Act (BIA) insolvency counseling

P.S. All information provided on DebtMasterS is on the best of knowledge basis. We do not take any liability for information that is provided nor for any errors of commission or omission on behalf of DebtMasterS. You will be dealing with a third party and you are encouraged to seek legal counsel for any legal ramifications for your particular situation.

 
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