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    I moved the tv so I could hear/see it while in the shower. Arthouse/Rug Sale Scam: A young “art student" will approach a visitor (often at large tourist sites) and ask if s/he likes artwork created by local students.

    Consoladating bills

    By consolidating your accounts you accomplish two key things: you simplify the day-to-day routine of your family's finances, and you clear the way to reach your financial goals faster.

    "Having too many accounts at various banks is distracting," says Scott Plaskett, senior financial planner and CEO of Ironshield Financial Planning in Toronto.

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    Today's debt consolidation mortgages are more conservative than those seen during the housing boom, when lenders allowed homeowners to refinance and cash out as much as 110 percent of the value of their homes.For those families, there are a number of methods to consolidate medical debt.Not all are equally attractive, and it is important to consider all aspects of the situation before committing to a plan for repayment. This involves a bank or other lender reviewing your financial situation, including employment status, how timely you have paid bills in the past, your credit rating, and more.If the lender decides to proceed, they will provide you with a loan that can be used to pay off your existing bills at each health care provider.The key is to ensure that the new loan has a lower interest rate than your existing debts.

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