Smart living

Is National Home Services a Scam or Legitimate?

The latest door-to-door salesperson to visit our home was from a company called National Home Services (NHS). National Homes Services’ approach was a bit different from New Home Comfort (NHC) and Ontario Energy Group (OEG), two organizations who have repeatedly misrepresented themselves to us and others as provincial home energy inspection agents. So was this…

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When It’s Time to Shop for a New Mortgage

It’s closing in on five years now since the Underground Man and I moved into our home. Which means the five-year term mortgage we took out at the time is coming up for renewal. This makes it time for mortgage shopping. Which, in my case, means that it’s time to reach out…

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Essential Tips for Frugal Grocery Shopping

Anyone who’s interested in this topic will likely already know the basic strategies of planning your meals based on the grocery store flyers. There is also, of course, the classic trick of shopping around the edges of the grocery store, which is where you will find what should ideally make up the core of…

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Confessions of a Torrenter After Cutting Cable

Two years ago last week, Underground Woman and I cut the cable for good. We had been paying Rogers a little over $200 per month for a mealy Internet plan, basic cable, and a Movie Network add-on we rarely watched for the ever more appalling quality of its titles. (I don’t think it’s any coincidence…

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Exposing the Truth Behind New Home Comfort Sales Tactics

If you read our door-to-door scam artists article, you are undoubtedly aware that we received and wrote about an unsolicited visit from an Ottawa-based, door-to-door residential “heating and cooling” sales company called New Home Comfort. This was just one of many similar, eponymously named outfits that we’ve heard from over the years. We used New…

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Common Traps to Avoid in Managed RRSP Portfolios

As your bank will happily remind you, early in the New Year is still a great time to contribute to your RRSP and receive tax credits for the previous tax year. In 2014, the deadline is March 3rd to get credit for the 2013 tax year. As always, financial advisors are banging the drum to…

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Four Ways to Save Thousands on Car Maintenance

Underground Woman and I love to out scammers. Our favourite targets are those door-to-door home comfort guys: you know, the fast-talking sociopaths who are “working with the province” to replace your perfectly good, paid-in-full furnace with a new Energy Star model that you have to rent for at least a decade. I love it when…

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Understanding the Economics of the Disney Vacation Club

After singing the praises of the Disney Vacation Club and listing the wonderful exchanges I had with it, you’re probably wondering why I am no longer an owner. It’s a simple one-word answer: divorce. When my first husband and I divorced, we split our assets. The most straightforward way of doing that was to sell…

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