YourLoan.ca Now Expands Financial FAQ to Help People Navigate in a Complex Financial World

YourLoan.ca adds 40 new articles to its financial FAQ section to help Canadians to make informed and thoughtful decisions in a world of sophisticated products and financial markets.

Toronto (PRWEB) December 21, 2012

Art Branch, Inc., the parent company of YourLoan.ca, announced today the publication of 40 new articles (http://www.yourloan.ca/loan-articles/), intended for people who are interested in learning more about finance.

The articles were created by the content development team at Art Branch, Inc. and published in the financial FAQ section of YourLoan.ca. The section has been popular with visitors of the website since the first articles were published. The new articles were created after extensive research and cover financial topics that visitors of YourLoan.ca are interested in.

“Many Canadians have borrowed large sums of money without thinking of the long-term consequences. The financial FAQ section of YourLoan.ca can help them to understand and manage their finances better,” said John Williams, marketing consultant at Art Branch Inc.

The 40 new articles cover financial topics such as types of mortgages, credit card borrowing, business loans, budgeting, and many others. After the addition of the new articles, the FAQ section includes over 120 financial articles that explain key financial terms and concepts. Financial literacy is important in an increasingly complex financial world. There are more products and options than ever – different types of mortgages and credit cards, investment instruments, bank accounts, and IRAs. The large number of products complicates decision making even further. Moreover, the risk and responsibility for important decisions are shifted to employees and away from employers and government institutions.

Financial education is important in that it empowers consumers to make thoughtful decisions, ultimately promoting economic stability. People who borrow irresponsibly often end up declaring bankruptcy and selling their valuables to pay for groceries. The global financial crisis, recession, and economic turmoil have caused many people to feel a high level of financial anxiety. Financially educated consumers, on the other hand, are more likely to make informed decisions and to challenge financial institutions to create products that have a positive effect on financial wellbeing, economic growth, and investment levels. The financial section of YourLoan.ca covers many financial topics and helps visitors to improve their financial literacy and make responsible choices.

About YourLoan.ca: YourLoan.ca is one of the oldest Canadian financial directories offering finance listings and financial guides since 2005.

About Art Branch: Art Branch, Inc., located in Toronto, Ontario, is the publisher of YourLoan.ca and has produced several consumer oriented websites targeting Canadian and international audience. The goal of Art Branch is to provide visitors to company sites with free, useful guides, helping consumers to make educated choices.

New Calculator From CanadaBanks.net Helps Consumers to Avoid a Post-Holiday Debt Hangover

CanadaBanks.net presents a credit card payment calculator that helps Canadians to make good financial decisions and spend Christmas in a merry fashion.

Toronto, Ontario (PRWEB) December 19, 2012

Art Branch, Inc., the parent company of CanadaBanks.net today announces the re-launch of a credit card payment calculator (http://www.canadabanks.net/Credit-Card-Payment-Calculator.aspx), targeted at Canadian cardholders who are interested in budgeting and controlling credit card debt.

Created by the content development team at Art Branch Inc., the calculator was tested internally and by a group of external users. The idea behind the new calculator is to show Canadians how long it takes to repay credit card debt. This is a relevant issue given that people are constantly bombarded with attractive offers, encouraging them to switch from checks and cash to credit cards with perks and sign-up bonuses. The new calculator helps borrowers to understand the real cost of borrowing on a credit card so that they can decide whether to turn to other, less expensive financial products.

“With Christmas around the corner, Canadians might be tempted to borrow on their credit cards to pay their holiday expenses. People should be aware of the ultimate high costs of credit card borrowing,” said John Williams, marketing consultant at Art Branch, Inc.

The new calculator is a free financial tool that uses the borrower’s monthly payment, amount of credit card debt, and annual percentage rate to determine how long it will take to repay debt. According to Statistics Canada, big Canadian banks such as BMO, TD Bank, and CIBC have recently reported hefty profits while consumer mortgage and credit card debt has increased.

The holidays are just around the corner, and Canadians are spending a fortune on gifts, entertainment, and food. Holiday spending soars, and many people will be left with a post-holiday debt hangover. Shoppers have a lengthy list of gifts to buy and are charging purchases to their credit cards. In times of job insecurity, layoffs, and stagnant wages, some 600,000 households in Canada have a very high level of debt. Household debt has increased by 71 percent while income is up by 12 percent. Christmas is about spending time with family and loved ones and sharing the joyous spirit of the season. With debt piling up, many Canadians are already stressed and emotionally exhausted. The goal of the new financial calculator is to help consumers to make better financial decisions and spend within their means.

About CanadaBanks.net: CanadaBanks.net is an informational resource created by Art Branch, Inc., focused on the Canadian banking industry.

About Art Branch: Art Branch, Inc., located in Toronto, Ontario, is the parent company of CanadaBanks.net and has produced many consumer oriented websites targeting Canadian and international audience. The goal of Art Branch is to provide visitors to company sites with free, practical guides, helping consumers to make educated choices.

Financial Directory Lists Lenders and Helps Canadians to Gain Ready Access to Capital

YourLoan.ca offers new financial listings to visitors who are looking for flexible borrowing solutions and worthwhile financial products.

 

Toronto (PRWEB) October 24, 2012

Art Branch Inc., the parent company of YourLoan.ca today announces the publication of new financial listings, targeted at people who are interested in learning more about finance.

Created by the content development team at Art Branch Inc. the new financial listings are published on YourLoan.ca, a website that offers information about different financial products available to Canadian borrowers. The listings showcase a diverse set of financial service companies, thus offering value to visitors.

“There are many viable lending alternatives apart from what the big Canadian banks offer. Canadians deserve to know about them so that they can choose a lender that suits them,” said John Williams, marketing consultant at Art Branch Inc.

Compared to smaller players, the large banks offer fewer financial options to small businesses. The big Canadian banks use standard lending criteria while credit unions and other financial establishments rely on personal interactions with customers. Developing and maintaining a long-lasting relationship with a small bank increases the availability of financing. This results in better interest rates and a lower likelihood that collateral or cosigner is required. Relationships with borrowers are more important for small players than for large financial institutions. The big banks establish criteria and procedures to be followed by all branches. This is how they monitor the lending process and keep control over loan officers. Thus, large lenders rely more heavily on centralized decision making, financial statements, and computer models. Small banks do not face the same coordination and control problems. They rely on community ties and personal interaction. Small banks have less rigid lending criteria and offer flexible financial solutions to individual borrowers and small businesses. In many cases, their financial products are cheaper than what the “Big Five” have on offer.

YourLoan.ca adds over 500 new financial listings to give more choice to Canadian visitors. The directory includes large and small lenders and offers descriptions of their products and services.

About YourLoan.ca: YourLoan.ca is one of the oldest Canadian financial directories offering finance listings and financial guides since 2005.

About Art Branch: Art Branch Inc., located in Toronto, Ontario, is the publisher of YourLoan.ca and has produced several consumer oriented websites targeting Canadian and worldwide audience. The goal of Art Branch is to provide visitors to company sites with free, useful guides, helping consumers to make educated choices.

Savings Calculator Helps People to Invest Smartly and Increase Their Personal Wealth

CanadaBanks.net offers a new savings calculator to Canadians who are looking for wise money management moves and are eager to get started on the investment path.

Art Branch, Inc., the parent company of CanadaBanks.net announced today the release of a savings calculator (http://www.canadabanks.net/Savings-Calculator.aspx), intended for Canadians who are interested in saving and investing.

The new calculator was created by the content development team at Art Branch Inc. and was tested internally and by a small group of external users. It is a simple tool that can help Canadians to understand the basics of saving and investing. In times of post-crisis deleveraging, more and more people avoid making risky financial decisions and embrace the idea of saving and investing wisely.

“Saving went out of favour during the last decade, but since the global financial crisis hit, things have changed. Many Canadian consumers are deleveraging and trying to save instead of spend. Ultimately, this will be very positive for the Canadian economy,” said John Williams, marketing consultant at Art Branch, Inc.

Saving and investing is an asset building strategy that brings good financial returns. Asset building helps people to escape poverty and move up the economic ladder. Investing over a long period creates a safety net and allows families to cope financially in times of economic hardship. People with no assets are more likely to miss phone, utility, and housing payments. They are more likely to operate uninsured vehicles and are unable to afford good medical care. Many people are liquid asset poor, with no resources to subsist if they lose their job. They cannot afford to buy healthy food products, are often uninsured, and put off visits to the doctor. Having assets, on the other hand, is correlated with better physical health, emotional wellbeing, life satisfaction, and social connectedness with family members, neighbors, friends, and organizations.

The new savings calculator is a free financial planning tool for people who want to achieve financial stability. Compound interest can help people to achieve their financial goals, but many are not aware of this. Their savings grow quickly if they find a decent rate of return.

The aim of the calculator is to educate Canadians and help them learn how to save and invest. Users enter the initial savings amount, the yearly yield, the compounding frequency, and the number of years to grow. The calculator then shows the future value of their savings.

About CanadaBanks.net: CanadaBanks.net is an informational resource created by Art Branch Inc., focused on the Canadian banking industry.

About Art Branch: Art Branch Inc., located in Toronto, Ontario, is the parent company of CanadaBanks.net and has produced many consumer oriented websites targeting Canadian and worldwide audience. The goal of Art Branch is to provide visitors to company sites with free, practical guides, helping consumers to make educated choices.

Credit Card Guide Helps People to Avoid Exorbitant Fees and Sky High Rates

CreditCardReview.ca offers a low-interest credit card guide to people who want to avoid super-high borrowing costs that can ruin them financially.

Toronto (PRWEB) October 16, 2012

Art Branch, Inc., the parent company of CreditCardReview.ca announced today the publication of a low-interest credit card guide (http://www.creditcardreview.ca/low-interest-creditcards-9/), intended for Canadian consumers who are looking for affordable credit solutions.

The new guide was created by the content development team at Art Branch, Inc. and is the result of extensive research on popular Canadian credit cards. The guide was published on CreditCardReview.ca, which presents in-dept reviews of credit cards available to consumers and small businesses in Canada. The section was added in response to requests from visitors and features reviews and comparisons of low-interest credit cards.

“Affordable credit is very important for Canadian consumers and small businesses; however, many can’t borrow funds at reasonable rates. Canadians who are looking for credit but are unable to get an unsecured credit line from their bank may want to look at low-interest credit cards,” said John Wilson, marketing consultant at Art Branch, Inc.

The new guide presents 17 low-interest credit cards offered by AMEX, VISA and MasterCard. Costumers have the opportunity to compare interest rates and annual fees and will find a comprehensive review for each product.

Some people have fair or less-than-perfect credit scores, and this makes them unlikely candidates for a low-cost credit line from their bank. While there are better borrowing options than a credit card, a low-interest card is a good choice compared to payday loans and other products with extremely high interest rates. Some people villainize credit cards, and there are urban legends and annoying myths about them. The truth is that using a low-interest card can help people in lean days. Financial setbacks happen for many reasons – death of a partner, major illness, demotion, and divorce. Even the rich and famous have been hit by tough times, and some celebrities live under huge amounts of debt. While an emergency fund can cover financial gaps, few people can afford such luxuries. A low-interest credit card is a good option for people who are coping with a major, life-changing event. It is not a tool to rectify one’s financial woes, but it allows recession-hit people and those in financial straits to borrow at reasonable rates.

About CreditCardReview.ca: CreditCardReview.ca is a Canadian credit card directory that offers information on the major banks and credit cards in Canada, along with many useful credit card related articles and guides.

Personal Finance Blog Helps Canadians to Sharpen Their Money Management Skills

Financialized.ca helps Canadians to understand financial matters and develop a positive attitude toward budgeting, saving, and financial planning.

Toronto (PRWEB) August 15, 2012

Art Branch, Inc. announced today that Financialized.ca (http://www.financialized.ca) celebrates 2 years of blogging. The personal finance blog is intended for Canadians who want to find more about personal finance and budgeting.
While the global financial crisis of 2008-2009 has been gradually abating, many people are still in dire financial straits. Canadians needed a good personal finance blog to guide them in the world of finance, and this is how Financialized.ca was born.

“Personal finance is a topic everybody should learn about, no matter how much money they make. Understanding how to manage your personal finances better will give you an edge and will make your life much easier.” said Peter Todorov, President of Art Branch Inc.
Financial literacy gives people the right tools to make good financial choices. Educated consumers are less likely to use high-interest credit cards and other costly means of borrowing. Financial education helps people to set realistic goals, develop spending budgets, and choose the most appropriate investment and savings methods. Informed consumers are able to understand financial matters, use and manage resources in their best interest, and improve their financial fortunes. At the same time, many people are unable to create a simple budget – a basic skill that can help them to control their expenses and avoid debt. Budgeting is a basic skill that puts one ahead of the crowd.
Truly, many people are interested to learn more about budgeting and personal finance but cannot afford to pay for a finance course. Others do not have the time to read a book or they are unsure where to start. A good personal finance blog summarizes the important finance topics and presents complex concepts in an easily digestible form. This is the goal of Financialized.ca, which was created as a personal finance guide for Canadians who want to manage their finances more effectively. Given that the Canadian educational system does not give people enough financial knowledge, personal finance blogs like Financialized.ca can go a long way in helping consumers to understand important financial topics.
About Financialized.ca: Financialized.ca is a Canadian personal finance blog that aims to deliver exceptional value to Canadians looking for personal finance information and tips.
About Art Branch: Art Branch, Inc., a Canadian corporation, publishes Financialized.ca and has produced several business oriented websites targeting Canadian audience. The goal of Art Branch is to provide visitors to company sites with free, useful guides, helping them to make educated decisions.

YourLoan.ca Financial FAQ Explains the ABC’s of Finance as a Way to Achieve Financial Freedom

A new financial FAQ, improves financial literacy, helps Canadians to learn the basics of finance, and simplifies decision making.

Toronto (PRWEB) August 14, 2012

Art Branch, Inc., the parent company of YourLoan.ca announced today the publication of a financial FAQ section (http://www.yourloan.ca/loan-articles/), intended for people who want to learn more about finance.
The new FAQ section is created by the content development team at Art Branch, Inc. and is the result of extensive research. The section contributes to the wealth of information published on YourLoan.ca, which lists over 4,000 financial companies in Canada and gives Canadians the opportunity to find more about different forms of financing. The FAQ section is thus intended to offer information on all important finance topics. Canadians can learn about different budgeting and debt management strategies as to get rid of debt and improve their financial situation. The section explains how interest works and overviews various forms of financing. Visitors learn how to compare different loans and choose the best financial product for their particular circumstances.
“Financial education is now more important than ever and yet the Canadian educational system doesn’t do enough in this regard. Having basic understanding of how financing and budgeting work can greatly improve the lives of many Canadians.” said Peter Todorov, President of Art Branch, Inc.

Financial education helps people to balance their budgets, save for retirement, spend on a holiday or trip, buy a house or furniture, choose the right investment instruments, and much more. Educated consumers make wise financial decisions and are able to avoid excessive debt. Financial responsibility and money management skills are essential today given that there are more debt options. Consumers can choose from a variety of financial providers – mortgage companies, credit card issuers, credit unions, banks, and insurance firms, all of which try to attract clients. Consumers are faced with tough choices and this makes financial education even more important. At the same time, the importance of financial education is overlooked by many Canadians who lack understanding of basic financial concepts. This often results in unmanageable debts, foreclosure, bankruptcy, and broken families. Learning the basics of budgeting, saving, and investing can improve the financial fortunes of many people, and the new financial FAQ is a valuable tool to this purpose.
About YourLoan.ca: YourLoan.ca is one of the oldest Canadian financial directories offering finance listings and financial guides since 2005.
About Art Branch: Art Branch Inc., located in Toronto, Ontario, is the publisher of YourLoan.ca and has produced several consumer oriented websites targeting Canadian audience. The goal of Art Branch is to provide visitors to company sites with free, useful guides, helping consumers to make educated choices.http://www.yourloan.ca/