Personal Finance in Canada Show (PFC Show) with Azizz Finance

VantageScore Factor #4 being your Balances! 

Another important distinction to be made here in comparison with the Credit Score factors that are seen in the VantageScore AND FICO Score so be sure you're listening closely!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Wealthsimple Trade advertisements, I know you've seen them. But how about some feedback from 5 years of experience?

In this episode, I'll break down WST through a Wealthsimple Trade Review and my honest thoughts after using them for 5 years.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Credit Utilization Factor of the Vantage Score

The VantageScore Consists of 6 Different Factors that make up the Total 3 Digits of your Credit Score. Regardless of how much Credit Utilization impacts your score, it's still extremely important for you to be aware of this third factor.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Canadians, Which Brokerage should you invest with?

Luckily (or maybe not so lucky), there aren't many brokers that we can pick from, but there is still a variety. 

In today's episode, I'll tell you all the brokers that we can pick from in Canada and the things that make them stand out from each other. It's a crucial factor to consider when beginning your investing/trading journey. Paying $10 per trade VS $5 or even $1 per trade can add up over time and it should be our priority to minimize the commissions we pay to our brokerages.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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VantageScore Factor #2 being Credit Age & Type! Again, similar to the Credit Diversification that makes up the FICO Score with a few significant differences so you guessed it... Make notes on these differences and watch your Credit Score Skyrocket!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Breaking down the Payment History Factor of the VantageScore

Very similar to the Payment History of the FICO score with subtle differences - NOTE these differences down and keep this in mind for your overall Credit Score!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The VantageScore is DIFFERENT than the FICO Score. Both make up your Overall Credit Score which is why it's so important to know about the Vantage Score as well!

The VantageScore is just another type of credit score that is factored in by only some Canadian businesses. There's no confirmation that this type of Credit Score is used BUT you want to put yourself in a safe situation in case it is!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Credit Diversity / Credit Diversification will be the FINAL FICO Score factor that we will be discussing. Credit Diversification also makes up a generous portion of our Credit Score and it can also affect the other factors of your FICO Score as well - so listen up and get ready to improve your Credit Score BIG Time!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Back in School? Just about to get into University or College? The Lifelong Learning Plan aka the LLP is something that you should consider!

The LLP is a benefit that you can use with your RRSP if you've parked up enough cash to pay off some of your tuition costs. If you're not a fan of taking out loans OR you want to reduce your loan amount, this is a great opportunity for you to pay your tuition off with EASE!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Here in Canada, the Home Buyer's Plan (HBP) is one of the BEST Ways that you can start your Journey of Investing in Real Estate and you can access this using your Registered Retirement Savings Plan, also known as your RRSP.

There are a lot of things covered within this episode so prepare your notes and be ready to take advantage of the HBP!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Text ME: +1-647-492-9993

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