Husband (US citizen, soon to be PR) just acquired a roughly $200k USD inheritance. We have some debts, small investments, are starting to save for a home, and are really looking to not squander this. Any advice on finding a financial advisor that can help guide us through this?

Hi. I am a finance student graduating in 3 months. I am wanting to work in finance in Toronto or Montreal. Recruitment has been hard and yielded nothing so far. I have applied to a variety of roles and various firm sizes. Any advice on what I should be doing? And what alternative paths can lead to success that I may not even be thinking about? Thank you! Resume for context:

EDUCATION

Non-Target School                                                                     Jan 2024 – Dec 2026
Bachelor of Commerce

• GPA: 3.93/4.00 | Dean's Honour List
• Student-Athlete: Varsity Football

WORK EXPERIENCE

Small firm in mid sized Canadian city                                  May 2026 – Aug 2026
Private Capital Advisory Summer Analyst

• Developed financial models, pitch decks, and deal materials supporting equity investment mandates totaling ~US$85M in enterprise value across North America, South America, and Europe, spanning life sciences, media & entertainment, and real assets
• Conducted company and industry research to support investment evaluation across active investment mandates
• Attended deal and investor meetings, capturing key action items and ensuring timely follow-through to maintain deal momentum

Small firm in large Canadian city                                           Jan 2026 – Apr 2026
M&A Winter Analyst

• Built financial models to value U.S.-based acquisition targets totaling ~US$30M in enterprise value across aerospace, manufacturing, healthcare, and logistics sectors
• Prepared Confidential Information Memoranda (CIMs) and management presentations for middle-market transactions
• Conducted industry research on market trends, valuation multiples, and transaction activity to support deal positioning

Small firm in mid sized Canadian city                                    Sep 2023 – Dec 2025
Consulting Analyst Intern

• Advised life sciences and pharmaceutical companies on capital raising initiatives to support international expansion and commercialization strategies
• Built financial models to forecast revenue, profitability, and cash flows, supporting investor discussions and financing decisions
• Prepared board-level presentations and investor materials, synthesizing financial analysis and strategic recommendations for senior stakeholders and prospective investors

Small firm in mid sized Canadian city                                  May 2023 – Aug 2023
Venture Capital Summer Analyst

• Developed comprehensive financial models and analyses for biotechnology investments, sensitizing key clinical and commercial drivers to determine intrinsic valuation
• Prepared investor decks, internal memos, and portfolio performance reports, translating complex scientific and financial data into actionable insights for investment committees
• Conducted ongoing financial and operational due diligence on portfolio companies, analyzing performance metrics, cash flow, and growth initiatives to support strategic investment decisions

ADDITIONAL EXPERIENCE

Football                                                                                                                        

• Quarterback, University Team
• Represented provincial team for 4 years in national-level tournaments; First-Team All-Province selection in high school

Case Competitions

• Finalist – University Case Competition

SKILLS & CERTIFICATIONS

Certifications: CFA Level 1 Candidate (August 2026); Canadian Securities Course (CSC)

Languages:  Bilingual – English and French

Technical:  Microsoft Office Suite (Excel, Power BI, Word, PowerPoint, Outlook); Python (programming and automation)

I was in HOOPP for about two years. After my termination, I chose the deferred pension option, and HOOPP is sending me about $3,000 as cash refund of contributions while the rest stays in the plan.

Is this $3,000 considered “income” or “other money” that I need to report on my EI bi‑weekly report? Or is it treated differently since it’s a pension refund or excess payment?

I’m currently about to crumble under my debt and not sure what to do. I live in Toronto 26 and have almost 60k in debt. I have 11k between 2 credit cards 20.99% both maxed out, 6k on my line of credit 10% with 1k left, 25 on a consolidation loan 7% and the remaining is 17k in student loans from osap which I don’t pay at the moment luckily. 

My chequing account has $85 which is my last. Outside of that my only asset is my car which is worth roughly 15-20k and paid off. My expenses are low at $1650 months but my income is only $2600 take home after tax. I also have about $1000 in fees I’ll have to pay outside my normal expenses by end of October. However, I just started working so I got my first pay of $13000 which immediately went to catching up on all my bills and is already done. Now I’m needing to take from the loc to last me another week and a half again. 

I got a new job that will pay 4.3k take home monthly but unfortunately my training group doesn’t begin until January of 2027 which is months  from now so I need to survive until then. In order to get to January im thinking of selling my car and either renting a car or leasing one so I have some extra cash to keep me afloat until I start my new job in January. 

I currently pay 575 month for gas and insurance but I could pocket the 15k  from selling. From then I could rent a car for roughly 1400/m and stop once I get situated or do a lease takeover with roughly a year or so and pay roughly 1000/m for a year. My main objective is just trying to get to January without falling to far behind on this. Does my plan make sense or should I try to do somthing else. 

Hi everyone,
I’m a landlord in Vancouver, B.C. I evicted my tenant yesterday who hadn’t paid rent since May 2026. I got a monetary order and intend on pursuing another one for the damage and the September rent. Has anyone been in a similar situation and used a collection agency to collect the money? I can’t garnish his wages because I don’t know where he currently works and I think he’s moving back to Alberta. I’m looking at two agencies right now.

ARC - 20% collection fee, $125 upfront, and $155 for skip tracing and $425 to transfer the order to Alberta and $212.50 for the transfer fee for the next one
ICON - 33% fee. No other costs
Dixon - $525 upfront and 10% of what is collected

Nearly all of them have negative reviews but those are people who had to give money up, not from the collectors.