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Showing posts from August, 2024

11-11-11

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Every year, on November 11, something rare happens. The world goes quiet. Cars pause. Conversations stop. Children in school gyms lower their voices. Veterans straighten their medals. And at the eleventh hour of the eleventh day of the eleventh month, we observe two minutes of silence. This is Remembrance Day. It isn’t a festival, a sale, or a long weekend. It is a Canadian tradition rooted in respect—for the soldiers who served, the ones who never came home, and the families who carried the weight of war long after the headlines faded. Why November 11? On November 11, 1918, the First World War finally ended. A conflict that reshaped the world, scarred nations, and cost millions of lives came to a close. The date became a symbol: peace hard-won and never forgotten. The Poppy: A Small Flower with a Tremendous Story The red poppy worn on jackets and coats is more than decoration. During the First World War, the soil of Flanders Fields was torn apart by artillery. Yet, through shattered g...
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How to Fix Your Finances After Bankruptcy (And Not Lose Your Mind in the Process)

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So, you’ve declared bankruptcy. Oof. It’s like the financial equivalent of accidentally sending a text meant for your best friend to your boss. Awkward, but not the end of the world! Now that you’ve hit the big ol’ reset button on your finances, it’s time to channel your inner Phoenix and rise from the ashes of your credit score. Here’s a guide—served with a side of humor—to help you get back on track without losing your marbles. 1. Have a Good Cry, Then Get Over It Let’s be real: bankruptcy feels like getting dumped by your wallet. It’s okay to sulk for a bit. But once you’ve finished that tub of ice cream (no judgment), it’s time to move on. Accept what happened, learn from it, and start planning your comeback. After all, even superheroes have origin stories filled with failure. 2. Create a Budget (And Try Not to Fall Asleep) Budgets are about as exciting as watching paint dry, but they’re necessary. Think of your budget as a financial diet plan—except this one actually works. List o...
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Navigating Property Division in Divorce: Common Approaches and Considerations

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Divorce is a challenging process that involves not just the emotional separation of a couple but also the division of assets accumulated during the marriage. One of the most significant assets that couples need to address is real estate, particularly the family home. Understanding the common ways to handle property division during divorce can help you make informed decisions and reduce the stress of this often complex process. 1. Selling the Property and Splitting the Proceeds One of the most straightforward ways to deal with real estate during a divorce is to sell the property and divide the proceeds between the two parties. This approach is particularly common when neither spouse can afford to keep the home on their own or when both parties want a clean break from the shared asset. Pros: Provides both parties with immediate liquidity. Avoids ongoing financial ties between ex-spouses. Simplifies the division of other assets. Cons: Emotional difficulty in selling the family home. Poten...
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