Introducing Personal Banker


In effort to provide you, the reader, with the truth about your tax arrears and dealings with the Canada Revenue Agency, it would be a disservice if I did not provide information about companies who can help in addition to companies who can harm.

Companies who can harm you want to be paid a lot of money, right away. They won’t tell you what they’re going to do, or how they are going to do it. They won’t give you a progress update, and they’ll advise you to NOT contact the CRA for fear of “screwing up their work.”

Who operates like that?

Scammers do.

Companies that operate like this are usually fronts for trustees and when you balk at paying, say, $5000.00 for their services, assume that you are broke and send you to their other business, the trustee, so that they can save you by having you file a Consumer Proposal, not a Bankrutcy.

Same shit, different pile.

In both cases, you’re trading a tax debt that you can deal with, for really bad credit.

But they get paid, and you… Well, you’re a statistic.

That approach does not sit well with me. Never has. Never will.

What works for me is looking at a tax debt / problem from every possible angle, and consider all approaches. Then, having that conversation with you so that we can resolve it together and to your benefit.

An Example

Some debts can be resolved through re-financing. I don’t do that. I do, however, work with a couple of mortgage brokers who take care of that service. They provide low interest rates, and can work with liens on properties. Why can they do this but other firms cannot? It’s because when a group of like-minded businesses work together and share their expertise around the CRA, it is the customer who wins!

Another Example

Other tax debts can be resolved through a filing, or re-filing of tax returns. Again, I do not do that, but I work with a couple of accountants who take care of that for you.

I don’t recommend bankruptcy or consumer proposals right away, however should the situation really warrant one, then I have a couple of firms that I could recommend.

The Truth!

In the process of helping someone with their tax matters, I always look at it in depth so that I can suggest the best plan of action for resolving it, and then let the Taxpayer decide the path they want to take. I don’t tell them what to do. I suggest the options, and provide the steps for them to take in each scenario. If they need my assistance, I’m here to help. If, not, then I’m a shoulder to cry on, or a person who listens.

Personal Banker

Recently, a firm called Personal Banker came onto my radar. I met with the owners and absolutely love what they do and how they do it. They, like myself and my network, put the interests of the Taxpayer first and foremost and provide a service far more valuable that one could imagine.

Again, that’s my opinion.

What I like about Personal Banker is that they perform a function which I strongly recommend in the majority of the tax debt cases, and that is to have their previous 10-years worth of tax returns reviewed to ensure that all the eligible credits have been taken.

This is the best way to reduce a tax debt! If there are missing credits, that you are entitled to and were missed for whatever reason, you have 10-years to apply them and either increase a refund or reduce a balance owing to the CRA. The experts at Personal Banker apply the credits, for a percentage of the findings, and you can either apply them to your tax debt, or take the money and run.

It’s brilliant.

It’s what I recommend to people with tax debts, whether personal, or business. Everyone can use a bit extra money, and especially if it’s available to you, and you just didn’t know.

What’s more brilliant is that this company operates Canada-wide, and are growing on a daily basis.

Don’t believe me? Check it out.

If you think that there might be tax credits that you have not claimed, visit their website, sign up and let them do the rest.

If you have not filed your personal tax returns, they can take care of that for you for a ridiculous low rate (I told them they are way too low, so take advantage now).

If you’ve used them before, I’d love to hear your feedback in the comments.

Thomas the Tank Engine is Coming to Uxbridge, Ontario! August 9th to 11th AND 16th to 18th


Upon learning that Thomas the Tank Engine is coming to Uxbridge, Ontario for Day Out With Thomas: The Steam Team Tour 2019, I could not help but get flooded with great memories of a fun event, with lots to do, and not just on the railway, but also in beautiful Uxbridge.

It’s a fun event, even if it’s really hot outside, and the kids are cranky, etc. It’s a train ride! It’s Thomas. There is music, games, food, activities and fun.

All aboard! 

Thomas the Tank Engine invites little engineers to go full steam ahead for a day of engaging activities and fun adventures at Day Out With Thomas: The Steam Team Tour 2019. 

Thomas pulls into York-Durham Railway on August 9th-11th and 16th-18th.

It’s been a few years, mind you, but with 3 children we’ve had more than a few opportunities to come to Uxbridge and spend time with Thomas and friends. It’s always been an enjoyable event with lots to do, plenty of parking and the picture! Yes, the picture of your family in front of Thomas. We have them all over the house and we look back at these cute family photos fondly.

In addition to riding on the famous train, we met Sir Topham Hatt the Controller of the Railway and enjoyed a day of Thomas-themed activities including toy play, photo ops, and more.

What’s amazing is that this tour is now in its 24th year. Man, I feel old! In addition, the tour now makes 37 stops across the Canada and the US and is expected to welcome nearly one million passengers in 2019.

What do you get:

  • 25-minute (approximate) ride with a talking Thomas the Tank Engine
  • Meet & Greet with Sir Topham Hatt, Controller of the Railway
  • Thomas & Friends Imagination Station featuring a variety of activities
  • All-new “Ask an Engineer” booth, where several kids can talk to an engineer and learn about trains and working on the rails
  • A ‘Passport to Adventures’ booklet for children to track their journey at the event and receive a special prize upon completion.
  • Thomas & Friends-themed activities including toy play, photo ops, and more

 

TIME:       9am-3:45pm

WHERE:  York-Durham Heritage Railway

19 Railway Street Uxbridge, ON L9P 1E5

 

Tickets for Day Out With Thomas: The Steam Team Tour 2019 are on sale now and available by calling Ticketweb toll-free at 866-468-7630, or by visiting www.dayoutwiththomas.com. Ticket prices are $28.65 plus tax for ages 2 and up (service charges and fee may apply).

 

For more information and directions, contact the railway here ydhr@ydhr.ca. or visit ydhr.ca/thomas

For more information about the wonderful world of Thomas & Friends please visit: www.thomasandfriends.comwww.facebook.com/thomasandfriends and for bonus material and exclusive content www.youtube.com/user/thomasandfriends.

 

 

Essay Writing Contest (Closing October 16th, 2018). Grade 12 Canadian Students – You can win $500-$5,000.


The Urban Daddy is a HUGE fan of teaching Canadians about finances, taxes and debt, and finding solutions to get out of debt and stay out of debt.

I came across an essay writing competition for Grade 12 Students, sponsored by an organization that I have worked with in the past and strongly respect.

Details:

Grade 12 students across Canada are invited to confess their financial misfortune story by submitting an essay to the Credit Education Week 2018 Essay Contest.

Prizes range from $500 to $5000, with over 20 prizes to be won.

Entries must be written in English or French and must not exceed 1000 words.  Essays must be submitted between now and Oct. 9, 2018. EXTENDED: October 16th, 2018.

For full contest rules, see the essay submission page.

Credit-Canada-Essay-Contest-Flyer-V2

Here is a note from a winner last year (name redacted)

“As it has almost been a year since I participated I thought I should give Credit Canada an update. I was able to accept a position at my first choice school in the Law and Society program (minoring in Criminology). I was accepted into a residence community that allows me to participate, volunteer and plan community events to better the quality of life in town. I’ve also been accepted into numerous campus leadership positions. Overall, I’m working hard as a student and as a citizen here in university. Now, this email may seem random but I wanted to sincerely thank everyone involved with Credit Education Week. Though a scholarship in this amount may not seem like a lot of money to a large company, it makes a gigantic difference to students like me. Rather than spending my nights picking up extra shifts at work, I am participating in my school and studying hard with a chance to thrive. I cannot thank you and everyone else who participates in this program enough.”

Credit Canada, the sponsor of this competition, is a non-profit and charitable organization providing free and confidential credit counselling, personal debt consolidation and resolutions, as well as preventative counselling, educational seminars, and tips and tools in the areas of budgeting, money management, and financial goal-setting.

Credit Canada is Canada’s longest-standing credit counselling agency, helping Canadians manage their debt since 1966.

For more information, please visit www.creditcanada.com.

You can also interact with others on Twitter using this hashtag, #CEWC2018

Toronto Readers: July 15th Pop-Up Event


Last year we had the opportunity to head down to check out this event and it was a lot of fun.

If you’re in the Toronto-area this weekend, I strongly recommend heading down to Adelaide Street and checking out the Blooms and Brunch event.

Please see details below:

FIGO and Tonic Blooms have partnered up to bring you the 2nd annual Blooms x Brunch event on July 15th at FIGO.

Tonic Blooms is setting up a pop-up flower market where guests can either design their own arrangement or select the pre-made FIGO themed bouquet from the “bloom bar”.

In celebration of the event, FIGO has created an exclusive “in bloom” cocktail.

The festive cocktail is garnished with fresh flowers and made up of:

1.5 oz Bombay gin
0.5 oz cocchi rossa’
0.25oz fino electrico sherry
1oz lemon juice
0.75 oz berry tea syrup

Sounds delicious!

Again, here are the details:

WHO: FIGO and Tonic Blooms

WHAT: DIY bloom bar and flower market

WHERE: FIGO patio, 295 Adelaide Street W, Toronto, ON, M5V 1P7

WHEN: Sunday, July 15th at 10:30am to 2:30pm

 

If you can’t make it out don’t worry, Tonic Blooms is offering the FIGO themed bouquet online from July 15th to August 15th to those in the “on demand” area specified on Tonic Blooms website. Additionally, online orders for the FIGO bouquet will receive a complimentary “in bloom” cocktail redeemable at FIGO until September 3rd, 2018.

 

If anyone goes, please take some photos and send them back to us, or tag us on Instagram @TheUrbanDaddy.

 

Thanks

 

Sunwing’s 5 Fun Family Vacations (with Kids)


I came across an email which was entitled; “Creating Back to School Memories NOW!” and I’m a huge fan of anything which creates fond memories for us, as parents, and especially for the kids.

Since we’re never really sure when an opportunity for vacation might pop up, I thought I would re-post this fun list from Sunwing.ca, just in case it could inspire us in the future or inspire one of you.

If you’re looking to take a family vacation this summer that won’t break the bank, grab the kids and Join the Club!

From slime to surfing, Sunwing has rounded up some amazing experiences that are bound to make your little one’s friends jealous come back to school this September. Plus, Kids Clubs are free and part of your all-inclusive package, and the best part, they’ll ensure the kiddies are occupied all week long, you are voted “the best parent ever,” and that you get in some time to relax under the sun.

Here are five extraordinary experiences in the Caribbean to check out this summer:

Get Slimed at Nickelodeon Hotels and Resorts Punta Cana

1

Prepare to get slimed and partake in the Teenage Mutant Ninja Turtle slime-making classes! Kids can get up close and personal with their favourite Nickelodeon characters including SpongeBob SquarePants and Dora the Explorer. The resort’s Kids Club also features a mega-ball pit and two-storey slide. When the children are not at the Kids Club, the whole family can join in on the Nickelodeon experience: from breakfast with Dora the Explorer, to meeting the splash mob of characters at Aqua Nick water park, to grabbing a selfie with all your favourite characters at Character Central.

Be a Zookeeper for a Day at Memories Holguin Beach Resort
2

Kids can look forward to Zoo Day Tuesdays at this resort in Holguin, Cuba. Hop on a fun carriage ride to the petting zoo as part of the daily Kids Club program. Other highlights include a Friday talent show for kiddies to express their creativity, water games and meet-and-greets with favourite characters, Toopy and Binoo. While the kids are being entertained, parents can look forward to sipping on tropical cocktails on the beach or trying out some exciting water sports such as windsurfing, kayaking and snorkelling.

 

Splash-tastic Fun at Grand Riviera Princess All Suites Spa and Resort

3

Get ready for some fun in the sun in Playa Del Carmen, Mexico! Boasting its own pool and waterslide, the Mini and Teen Club at the Family Club section has everything needed for endless water fun. The property’s daily program of activities run until the evening so parents can take advantage of the many onsite, à la carte dining restaurants with options that include Italian classics, sumptuous seafood dishes, authentic Mexican dishes and more.

 

Live like a Cowboy at Jewel Runaway Bay Beach and Golf Resort

4


Visit the Red Ruby Ranch in Runaway Bay, Jamaica, where little ones can pretend they’re in the Wild West with activities that range from horse grooming lessons and hay rides to bonfires and laser tag. After dropping off the kids at this Kids Club, parents can work on their swing at the Championship golf course (green fees are complimentary) or enjoy a game of tennis. Afterwards the whole family can cool off in the onsite water park, the largest in Montego Bay.

 

Surf it Up at Royalton Bavaro Resort and Spa + Big Kid Fun

5

Surf’s up in Punta Cana! At this newly opened resort, the entire family can experience the ultimate surf machine ‘FlowRider’ and practice catching waves. When the family has dried off, enjoy meet and greets with favourite characters Max & Ruby™. For the teens, a hangout club includes all the latest video games, flat screen TVs, snooker tables and more. A phone charging station makes sure they won’t miss a beat posting their fabulous vacation pics on social and making their friends jealous. They can even call their friends for free with the Royalton app and access to free Wi-Fi. While taking a break from the kids, parents also enjoy their own downtime, relaxing as they float down the resort’s lazy river or savouring a cocktail at one of the eight bars.