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Barry Choi

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Did you catch that "viral" post about the guy who can't "afford" his stay-at-home wife? I explain how his numbers are bunch of BS and why it's important to have a realistic budget.

http://www.moneywehave.com/do-you-have-a-realistic-budget/
Many people will manipulate numbers just to convince themselves they're making the right decisions. Find out why having a realistic budget is a must.
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ATM skimmers are just one of many sophisticated ways scammers can steal your #financial information. Always be aware of your surroundings when using an #ATM. #fraud  +Credit.com Credit Experts 
If you use ATMs to withdraw cash, it's important to know how to detect an ATM skimmer — if someone gets your personal data, your credit is at risk.
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One thing you cannot get back in #life is time. When first starting out on your own, It is critical that you take advantage of the opportunities that are in front of you. #career   #health  +Wise Bread  
When we're in our 20s we feel possibility ahead of us as nearly infinite. Grasp it by laying the foundation of your future when you're young, smart, and full of health.
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Many children grow up with little direction in regards to #financialliteracy . Taking a hard look at your own #financial habits, and having transparency about your #money  mistakes could give your children the lessons they need going into adulthood. +NerdWallet 
Whether your bills are paid in full at the end of every month or you have to do some strategic budgeting to get creditors off your back, there's a good chance you have some less-than-perfect money habits.
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Marty Higgins's profile photoFinancial's profile photoFrogskinU Educational Foundation Ltd.'s profile photoFelix Montelara (Mentor Millonario)'s profile photo
 
+Landmark Credit Union I continue to do my best with teaching my kids how to be financially responsible - no matter how old they are!
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Dipti Frankel

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Who owns our companies ?

Hong Kong billionaire Li Ka-Shing's Hutchison Whampoa and Spain's Telefónica are expected to finalise a deal over the sale of UK mobile carrier O2 as early as 24 March, the Financial Times reported, citing people familiar with the matter.

Hutchison will pay about £10.5bn (€14.4bn, $15.7bn) for O2, which will subsequently be merged with its existing UK mobile group, Three, to create Britain's largest mobile network with more than 31 million subscribers.

Hutchison Whampoa and Telefónica were in talks over the deal, and sources told FT the two companies encountered no major issues during the two months of due diligence.

However, one person cautioned that the merger had not been finalised and the timing could still slip.

Hutchison has spoken to sovereign wealth funds from Qatar, Singapore and Canada to help finance the deal, according to one person with the knowledge of the transaction. The company is looking to sell about 30% of the group, worth about £3bn, to outside investors.

The deal comes as the UK's mobile market has been going through a period of consolidation: BT, former owner of O2, reached a preliminary agreement to buy peer EE for £12.5bn in late 2014.

Telefónica, which is suffering from a huge debt burden, is looking to exit its UK operations. The company hired investment bank UBS Group AG to explore options for O2, including a share sale to the public.

Hutchison meanwhile, is looking to increase its footprint in Europe. It already has operations in the UK, Italy, Sweden, Denmark, Austria and Ireland through its subsidiary 3 Group Europe, which had sales of $4bn in the first half of 2014, a 3% rise from the previous year.
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Getting a home loan can mean that you can purchase your home a lot earlier than if you need to save the entire amount before you buy it. However, you probably want to pay it off as quickly as possible. Here are some tips: http://www.oaklaurel.com.au/canberra/pay-off-your-home-loan-quicker/
Many of you would like to know how to pay off your home loan quicker. Here are some tips to pay your loan off quicker. The right home loan. 0% interest
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Queen Mary University of London is looking for Senior Finance Partners in East London, UK.
 
#Finance #FinanceJobs #Jobs
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For US banks, the Federal Reserve has been playing hard-to-get with their interest rate. Keeping a near-zero interest rate for prolonged periods has meant banks not only offer little to their customers in earned interest and they similarly gain little from customers in interest paid. For anyone buying services from a US bank, the situation with basement level interest rates becomes murky. Sure, you can’t expect to even match inflation with a savings, money market, or even CD account right now, but you can also buy a house at interest rates that seemed impossible for homebuyers in the early 1980’s.
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Find why using your debit card instead of credit will reduce your chances at fraud.

http://www.moneywehave.com/how-interac-fraud-is-being-prevented/
Find out what security measures are in place to prevent you from being a victim of Interac fraud.
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Very interesting read. Thanks for sharing!
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Barry Choi

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Don't get caught paying fees, always read the fine print.

http://www.moneywehave.com/always-read-the-fine-print #personalfinance
Find out why you need to read the fine print before signing any contract or agreement.
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Know the stocks your in, learn more about Fibonacci Retracements.
Watch This short Video on Fibonacci Retracements
https://www.youtube.com/watch?v=vxXz2x6B51A&feature=youtu.be
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Peer-to-peer lending has now available in Canada. Find out how it works, and if it's the right solution for you.

http://www.moneywehave.com/peer-to-peer-lending-comes-to-canada/
Peer-to-peer lending has come to Canada but what exactly is it? Find out the pros and cons, and if social lending is right for you.
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Great opportunity for a Senior Associate, Office administration in Montreal – Quebec, Canada.
 
#Finance #FinanceJobs #JobsInCanada #Jobs
Our client is a well-established Montreal-based independent asset and fund management company.
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Barry Choi

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Canadians have record debt levels, and only half of us aren't saving on a regular basis yet the majority of us believe we're doing alright financially. Find out why it's time for a money reality check.

http://www.moneywehave.com/its-time-for-a-money-reality-check/
Canadians aren't saving on a regular basis, but we're confident with out finances. Find out why it's time for a money reality check.
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Have you received any emails lately asking for your personal info? These phishing schemes are so common nowadays that it is better to question and be sure that you are not getting scammed. It can happen to anyone. Take a look at our latest blog post from someone claiming they were the CRA. ‪#‎phishing‬ ‪#‎scams‬ ‪#‎onlinesafety‬

http://www.moneyteacher.ca/blog/2015/3/25/beware-of-phishing-schemes-never-give-out-your-personal-info
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Barry Choi

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Can you afford a baby? Thinking about the real costs when having a child,

http://www.moneywehave.com/the-cost-of-raising-a-child-in-canada/
The cost of raising a child in Canada is expensive. Find out the extra costs and how much money you'll get from maternity employment insurance.
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Since banks and credit unions create loans everyday, you may think getting a loan is no big deal. You may also argue that if it weren’t for banks most people wouldn’t be able to buy a house, get a car or complete a college degree. So, loans are available to make our life a bit easier, right?

It really depends on the situation.
Since banks and credit unions create loans everyday, you may think getting a loan is no big deal. You may also argue that if it weren’t for banks most people wouldn’t be able to buy a house, get a car or complete a college degree. So, loans are available to make our life a bit...Continue reading
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Setting measurable goals is the only way you'll reach your financial goals.

http://www.moneywehave.com/sticking-to-your-financial-goals/
Setting financial goals is easy, sticking to them is another story. Try these tips and you'll stick to your goals.
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Even Wall Street is commenting on the lack of diversified investment opportunities within the stock market. But what about #RealEstate and other alternative #Asset classes? Download our Podcast that provides insight into investing in alternatives to the stock market.
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