According to Statistics Canada, overall non-mortgage debt fell by 20.6 billion from the start of the pandemic to January 2021. Non-mortgage debt includes debt such as payday loans, auto loans and credit cards.
Many people assume that notifying their broker about work being done on their house will inevitably raise their insurance rates premiums. While this can be the case, some home improvements can actually lower insurance premiums by reducing the risk of future claims.
Brian Hare, the founder and director of Duke University's Canine Cognition Center, phrased it like this in an interview with PBS: "Asking which species is smarter is like asking if a hammer is a better tool than a screwdriver."
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