Forward Thinking

Stories, articles and other information about personal finance topics, insights and perspectives from Tangerine, our culture and community work.

Sean Cooper

Sean Cooper is the author of Burn Your Mortgage. An in-demand financial journalist, money coach and speaker, he's mortgage-free, paying off his mortgage in 3 years by age 30. You can follow him on Twitter @SeanCooperWrite and request his services on his website SeanCooperWriter.com.

 

3 conditions to know when making an offer on a home

Wednesday, September 21st, 2016  |  Sean Cooper  |  Borrowing Articles

When you're house hunting and you find a home like you'd like to call your own, it's time to seal the deal by making the offer to purchase. The offer has several key items, including: offer price, chattels, closing date and of course, conditions. A condition is a way to protect yourself as a buyer when [...]

3 ways to prepare for higher interest rates

Monday, July 20th, 2015  |  Sean Cooper  |  Borrowing Articles

Interest rates are near record lows, and that's a boon for borrowers. But while rates may be low today, we don't really know where they're headed next. One thing we do know is that interest rates won't stay this low forever. Here are three ways to prepare for higher rates. 1. Lock in a low borrowing [...]

Are credit-monitoring services worth the cost?

Monday, January 18th, 2016  |  Sean Cooper  |  Spending Articles  |  Borrowing Articles

Identity theft is a faceless crime that can have a devastating impact on your finances and credit history. In 2014, 20,611 Canadians fell victim to identity fraud with a total reported dollar loss of $10,484,492.50, according to the Canadian Anti-Fraud Centre. Meanwhile, credit monitoring promises to help protect you against identity theft, but is it worth [...]

Bruce Sellery on how to get excited about your RRSPs

Wednesday, February 4th, 2015  |  Sean Cooper  |  Savings Articles

I recently spoke with personal finance expert and best-selling author, Bruce Sellery. In his most recent book, The Moolala Guide to Rockin' Your RRSP: Start Rockin' in Five Easy Steps, Bruce aims to get people excited about retirement. With less than a quarter of eligible tax filers contributing to RRSPs, (called RSPs at Tangerine) why do [...]

Buying a home is a team sport

Wednesday, May 18th, 2016  |  Sean Cooper  |  Borrowing Articles

You may be surprised to learn that buying a home has a lot in common with Canada's favourite national pastime, hockey. No, I'm not kidding. In a sense, they're both team sports, because to be successful on the ice or when buying a home, it takes a team of professionals. As the saying goes, you're [...]

Carl Richards on the importance of investor behaviour

Wednesday, February 25th, 2015  |  Sean Cooper  |  Investing Articles

I recently chatted with Carl Richards, a New York Times columnist and financial planner who's made a name for himself writing out simple money tips on napkins. Richards believes money tips and financial advice don't have to be complicated. His new book, The One-Page Financial Plan, comes out March 31, and promotes a simple way [...]

Don't forget about these 3 closing costs

Wednesday, May 4th, 2016  |  Sean Cooper  |  Borrowing Articles

When buying a home, it's important not to forget about closing costs. Closing costs are often overlooked by first-time homebuyers, leaving them scrambling at the last moment. Many buyers make the mistake of assuming their lender will cover them (false), or they won't amount to much (false again). Often referred to as the transactional cost of [...]

From 21.46% to now: 35 years of Canadian mortgage rate history

Tuesday, May 31st, 2016  |  Sean Cooper  |  Spending Articles  |  Borrowing Articles

Mortgage rates used to be over 20%? Take a look at this infographic and take advantage of low interest rates by paying down your mortgage sooner.

How much house can you afford?

Tuesday, February 16th, 2016  |  Sean Cooper  |  Borrowing Articles

You've saved up a down payment and you're ready to purchase your first home. You hope to buy your dream home, until reality strikes. When you're pre-approved by the bank, the purchase price you can afford isn't what you'd hoped for. But how exactly do lenders decide your maximum purchase price? And how can you [...]

How to make an offer to purchase a home

Wednesday, September 14th, 2016  |  Sean Cooper  |  Borrowing Articles

When it comes to home-buying, developing a list of needs and wants for the home you'd like to buy and getting pre-approved for a mortgage go a long way. Many buyers are nervous about making an offer, since a home can represent the single largest financial transaction they'll ever make. By being prepared, you'll help get [...]

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