Posts filtered by tags: Sean Cooper[x]


 

Hosting Homestay Students – The Perfect Side Hustle?

Photo by Daria Shevtsova on Unsplash This is a post by Chrissy who guest posted here a couple years ago about going for financial freedom in a high-cost city.  She has since started her own blog, Eat Sleep Breath FI, that details her journey towards financial freedom.  Chrissy is back with another guest post about a side business that has really worked for their family – hosting international homestay students.  Here are the details! If you’ve ever dreamed of: Side hustling from home. House ha...
Tags: Business, Marketing, House, Vancouver, Chrissy, Sean Cooper, Daria Shevtsova, Anderson W Rangel


Tighter Money, the 13th , Hydro Savings and #MoneyTalk

Money is starting to tighten up with the Bank of Canada raising their key overnight rate by ¼ percent to 1.5%, which is great news because that mean savings accounts will go up as well? Sarcasm aside all major credit levels with most banks have gone up a corresponding ¼ %, but there has been no word about Savings account rates going up (and don’t hold your breath about that either). Personal Financial Reader, I presume? If this increase has you worried, you really should be paying down your de...
Tags: Marketing, US, Toronto, Canada, Vancouver, Montreal, Best Of, Quebec, Ontario, Random Thoughts, Bank of Canada, National Post, Michael James, Sean Cooper, Ontario Government, Barry Choi


Everything You Wanted to Know About Credit (But Were Petrified to Ask)

Another Guest Post from Sean Cooper. Yeh, I am getting kind of slack on my rules. Unless you’re filthy rich and you can afford to buy your home in cash, maintaining a good credit score is important. Not only does your credit score help you qualify for a mortgage, it can help you obtain the best mortgage rate, saving you thousands of dollars in interest over the life of your mortgage. If your credit score isn’t the greatest, you could pay a higher mortgage rate, or your application could be de...
Tags: Marketing, Credit, Sean, Equifax, TransUnion, Sean Cooper, Sean Cooper Yeh, Number of Credit Inquiries When, Credit History Length You, Credit Having


Qualifying for a Mortgage: The 4 Factors Lenders Consider (and WHY!)

Preface: As most readers know I take a dim view on Guest Posts, however Sean Cooper is a friend of this site, and this content is topical. Imagine this: after weeks and weeks of house hunting, you finally find the “one,” your dream home. You make and offer and it’s miraculously accepted. Congrats, you’re finally able to call yourself a homeowner! Well, almost. Unless you’re able to pay for your home in cash (can you adopt me?), you’ll have to take out a mortgage. If you’ve never applied for a mo...
Tags: Marketing, Toronto, Mortgage, Mortgage Rates, Motherhood, Sean, Equifax, Congrats, TransUnion, Sean Cooper


Why We Took the Commuted Value of our Defined Benefit Pension

In the last few financial freedom updates, I talked a little about my spouse leaving her full-time work.  While there was a bit of financial juggling to do, there was one major decision that we had to make with regards to her pension. We had to decide on either leaving her defined benefit pension in place or taking the lump sum (commuted value) and investing it ourselves in a locked-in retirement account (LIRA). Before making a decision on the defined benefit pension, about a year ago my wife a...
Tags: Retirement, Marketing, NL, CPP, Lira, Sean Cooper


Financial Goals Progress – Books I’m Reading

One of the perks of being a personal finance blogger is that I receive more books in my mailbox that I have time to read.  However, as one of my financial goals for 2017 was to read (and learn) a little more, I’ve made the intention to sit down with a good book as often as I can. Although I have a fairly extensive finance related book collection, sit-down time with a good book has decreased significantly over the years.  I could use the excuse of having two young children who have more activiti...
Tags: Amazon, Book Reviews, Marketing, House, Credit, Sean, Sean Cooper, Andrew Hallam, Jonathan Chevreau, Mike Drak


Lent Begins, Loose Money and #MoneyTalk

Tweet Lent for 2017 has begun, and as usual I am hoping folks use this period to enrich and change their lives (spiritually and financially). This is an excellent time to try out new lifestyle and financial ideas and concepts. The period is only 40 days, which allows for a short-term experiment. Not just loose money policies set in Ottawa The Bank of Canada has decided the Inflation scare from Stats Canada is to be ignored for now. The happy world of loose money continues on, but for how much...
Tags: Marketing, Canada, Bank, Best Of, Ottawa, Ontario, Cbc, Random Thoughts, Vanguard, Sean, Bank of Canada, Governing Council, Sean Cooper, Stats Canada, United States of Trump


Merry New Year, CPP, EI and #MoneyTalk

Tweet The year 2017 has begun and hopefully it is a Merry New Year for all of us, given how poorly 2016 seemed to go for some of us. They’re back!!! In case you might have forgotten, CPP and EI restart for those of us who are not CEO’s or get paid over $400K. Those folks still have to pay those, but they only pay it on their first pay cheque. Curious about how much you will be paying this year? Here’s your sign: CPP for regular employees (maximum): $2,564.10 CPP for self-employed (max): $5,...
Tags: Florida, Marketing, US, Canada, Best Of, Quebec, Ottawa, Cbc Radio, Ontario, Cbc, Random Thoughts, Ny Times, CPP, Sean, Corolla, Carrick


I Hate Sean Cooper

Tweet Amazon Link for Sean’s Book For those who are not aware Sean Cooper came to the media attention a while ago when he talked about how he worked very hard to pay off his house in a short period of time (three years). Sean has also written a very interesting book (the amazon link is on this page, book is out soon). Sean’s story is not that unique in my circle of friends, I know a few folks who worked very hard to get out of debt quickly. With my friends stories, they had two solid incomes,...
Tags: Marketing, Cbc, Cooper, Sean, Sean Cooper


Overvalued Housing, EU Trade Deal, Overcharging Banks & Scary #MoneyTalk

Tweet Monster Chiller Horror THEATRE! So the CMHC came out with a report this week that confirmed what most folks looking for a house already know, and that is Most Canadian Housing Markets Overvalued, Price Growth to Slow Through 2018. Houses being overvalued in major areas of Canada (e.g. Toronto, Vancouver, etc.,) is nothing new, we have been talking about the housing bubble there for years, but now there is talk of this causing a domino effect where other areas housing prices are also inc...
Tags: Amazon, Europe, Marketing, Siri, Canada, Belgium, Kerry, Best Of, Quebec, Barry, Ottawa, Random Thoughts, Reuters, Ronnie, CIBC, Robb


Net Worth Update September 2016 – Sean Cooper (+15.09%)

Welcome to the Million Dollar Journey September 2016 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 31 Net Worth: $870,936 Day Job: Employed with a major global pension consulting firm. Family Income: $...
Tags: California, Marketing, Toronto, Canada, San Diego, Wisconsin, Starbucks, Hgtv, Parkinson, Sean, Reader Net Worth Updates, Sean Cooper, Sean Profile, Scott McGillivray, Sean CooperNet, Principal Residence Mortgage


Net Worth Update June 2016 – Sean Cooper (+2.76%)

Welcome to the Million Dollar Journey June 2016 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 30 Net Worth: $756,734 Day Job: Employed with a major global pension consulting firm. Family Income: $58,050...
Tags: Amazon, Marketing, Toronto, StumbleUpon, Canada, San Diego, Fintech, Shark Tank, Hgtv, Financial Post, Reader Net Worth Updates, Sean Cooper, Sean Profile, Scott McGillivray, Sean CooperNet, Bank of Mom


Net Worth Update March 2016 – Sean Cooper – Mortgage Free @ Age 30 (+10.39%)

Welcome to the Million Dollar Journey March 2016 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 30 Net Worth: $736,382 Day Job: Employed with a major global pension consulting firm. Family Income: $55,00...
Tags: New York City, Toronto, StumbleUpon, Canada, Hgtv, Cbc, Dave Ramsey, Financial Post, Reader Net Worth Updates, TFSA, Sean Cooper, Sean Profile, Scott McGillivray, Sean CooperNet, Toronto Star The Daily Mail, Principal Residence Mortgage


Net Worth Update November 2015 – Sean Cooper – Mortgage Free by Age 30!

Welcome to the Million Dollar Journey November 2015 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sean Cooper was selected as a team member and will post net worth updates on a regular basis. Here is more about Sean. Profile: Name: Sean Cooper Age: 30 Net Worth: $667,064 Day Job: Employed with a major global pension consulting firm. Family Income: $55...
Tags: Europe, Toronto, StumbleUpon, Canada, Hgtv, United Way, Financial Post, Reader Net Worth Updates, TFSA, Net Worth Update Team MDJ, Sean Cooper, Sean Profile, Vancouver New York Chicago California, Scott McGillivray, Sean CooperNet


Net Worth Update October 2015 – Karl the Real Estate Agent (+4.94%)

Welcome to the Million Dollar Journey December 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member and will post net worth updates on a regular basis. Here is more about Karl. Profile: Name: Karl Age: 33 Day Job: Employed as a Real Estate Agent Full Time. Family Income: $130,000 (Personal full-ti...
Tags: Real Estate, StumbleUpon, Audi, Mastercard, Reader Net Worth Updates, TFSA, Sean Cooper, Sean CooperNet, Real Estate Agent


Net Worth Update July 2015 – Karl the Real Estate Agent (+4.94%)

Welcome to the Million Dollar Journey December 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Karl the Real Estate Agent was selected as a team member and will post net worth updates on a regular basis. Here is more about Karl. Profile: Name: Karl Age: 33 Day Job: Employed as a Real Estate Agent Full Time. Family Income: $130,000 (Personal full-ti...
Tags: Real Estate, StumbleUpon, Audi, Mastercard, Reader Net Worth Updates, TFSA, Sean Cooper, Sean CooperNet, Real Estate Agent