Our Videos
CRA Taking Tax Refund? How an LIT Can Help
Waiting for a refund only to have your tax refund seized by CRA can be stressful and overwhelming. Every year, many Canadians face this situation because of unpaid tax obligations, government overpayments, or other federal debts. When your refund is applied to an outstanding balance by the Canada Revenue Agency (CRA), it can feel sudden…
Should You File Taxes If You Can’t Pay? Tips from a Trustee
If you’re struggling to pay your income taxes, you might be wondering whether you should file taxes if you can’t pay. This is a common dilemma for individuals and families across the Greater Toronto Area who are facing financial difficulties, unpaid amounts owed to the government, or mounting arrears. Ignoring the issue can lead to…
Holiday Loans Ontario: Are They Ever a Good Idea?
The Christmas season often brings joy, connection, and—for many in Ontario—a surge in spending. That’s why holiday loans Ontario are increasingly marketed as a quick fix for festive financial stress. But are they truly the best way to borrow money for holidays? Let’s explore when holiday loans might make sense, how they compare to other…
Money Mistakes Young Canadians Make in Their 20s
Financial independence in one’s 20s often comes with limited experience and minimal formal education in personal finance. For many young adults in Canada, this period marks the beginning of financial decision-making—yet it is also when some of the most costly money mistakes occur. According to Statistics Canada, Canada now has the highest household debt-to-disposable income…
How Debt Impacts Your Quality of Life and How to Cope
Debt that is too overwhelming to manage can significantly affect your quality of life in various ways. Over time, the stress of managing debt can impact your emotional well-being, relationships, physical health, and also your job performance. It's important to remember that you're not alone in these struggles. Many Canadians face challenges with credit card…
Do Not Cash IN RRSP’s To Pay Taxes Owed In Ontario
Hi it's Richard Killen it's tax time again and some of us when we file taxes are going to owe money. And some of us who owe that money have RRSP’s. https://youtu.be/n4b1y0aK02Q I want to suggest to all of you if you're in that position where you have RRSP’s and you owe money on your…
Do You Owe Taxes Based ON CERB Benefits?
Hi I’m Richard Killen, you may be like a lot of people who received CERB benefits last year. https://youtu.be/9_qFHVSkp_I You were surprised to find out how much income tax you owe this year on all those benefits. I’m trying to tell people for quite a while now, that shouldn't be a real problem for you.…
File Your Return by April 30, Even If You Cannot Afford To Pay Taxes Owed
Hi I’m Richard Killen, if you're like me you're pretty fed up talking about covid and lockdowns so, I thought we'd talk about tax returns. https://youtu.be/-pxv5jrY6qk April 30th if you're weren't a self-employed person in 2020, is your deadline for filing your taxes. If you were self-employed you got till June 15th but the important…
Ambitious Adulting: How to Reach Financial Security in Your 20s
https://youtu.be/azM_OjOt20s This video episode talks about how you can manage your finances, make worthwhile investments and reach financial security in your 20s. Intro: Welcome to The Glass Is Half Full Talk Show. Let's face it, life can be tough in many ways. Here on The Glass Is Half Full we focus on how life is…
Raising Your Vibrational Frequencies and Changing Your Life with Dawn James
This video episode talks about how you can raise your vibrational frequencies and change your life. https://youtu.be/01WPdvZwDqA Here is the transcript of the video: Intro: Welcome to The Glass Is Half Full Talk Show. Let's face it, life can be tough in many ways. Here on The Glass Is Half Full, we focus on how…
How to Create a Budget with Irregular Income
Following a budget can be challenging enough when you have a steady job that pays you a regular basic income, but can you imagine how extremely difficult it can be to create a budget with irregular income? With a regular income, you can predict exactly how much money you'll have coming in each and every…
What We Can Do to Stay Safe and Healthy as COVID-19 Lockdown Eases
As Ontario and other provinces begin easing coronavirus lockdown restrictions, we’re adapting our lives to deal with the new changes the pandemic is having on our homes, schools, and work-places. We have to accept life with the coronavirus, even though it will be pretty tough to balance normal daily life with quarantine efforts. Let’s be…
How To Rewrite Reality and Destroy Your Limiting Beliefs
In this video Richard Killen talks with Shiraz about how to rewrite your reality. Shiraz believes in the premise that our beliefs create our realities and he helps people to destroy their limiting beliefs. He is the author of the book “How to Rewrite Reality” and hosts the Energetic Magic radio show. https://youtu.be/W_zMJr1nz5I …
More Ways to Cut Spending During the COVID-19 Lockdown
As you go through this COVID-19 emergency, you’ve probably already trimmed your budget and cut spending to the bone in an effort to save money and stretch that much needed dollar. You’ve probably already done some of these: Deferred mortgage and credit card debt payments, Postponed payments for utility bills, Trimmed down your subscriptions and…
Best and Worst Ways to Get Money Quickly in a COVID-19 Financial Crisis
The coronavirus pandemic has already cost over a million Canadians their jobs, leaving many in a tight spot and wondering how to pay their bills. Many were caught unprepared for the swift financial blow. Nearly 40 per cent of Canadians under the age of 55 who have lost their job have almost no capacity to…
How to Deal with Creditors during the Coronavirus Financial Crisis
If you are one of the hundreds of thousands of Canadians who only have CERB support payments to get you through this unprecedented time, and you have monthly debt payments to keep up with, the fundamental question is: How do you deal with creditors in this coronavirus crisis if you are no longer able to…
Understanding the Financial Products You are Buying with John Shmuel
https://youtu.be/gwG1E2qmAT0 This video episode is about financial literacy. John Shmuel talks about understanding and comparing your options before making your financial decisions on insurance and mortgages. Richard Hi, I'm Richard Killen, welcome to The Glass Is Half Full. We're going to have a very interesting discussion today about financial literacy. And with us, prepared to…
How to Restructure Your Finances in a Covid-19 Crisis
The COVID-19 crisis continues and with the lockdown extended many businesses will continue to be closed and people will be out of work longer. While many Canadians are fortunate to still be working, the threat of suddenly getting laid off from work looms for many as the future is still uncertain. Understandably, everyone is worried…
Tracy L Clark – How To Listen To Your Intuition And Change Beliefs
https://youtu.be/Iu7U0uXzkTk This video episode is about listening to your body and getting in touch with your intuition. Richard I'm Richard Killen, welcome to The Glass Is Half Full program where we try to show people some really interesting ideas about what they can do to make life better for themselves, without necessarily having to spend…
Is Your Canada Emergency Response Benefit (CERB) Safe from Wage Garnishment
The Canadian government has created the COVID-19 Emergency Response Act in response to the COVID-19 global crisis. Under this Act, workers all across Canada who have lost their income from the COVID-19 pandemic will receive financial support payments in the form of the Canada Emergency Response Benefit (CERB). In fact, as of this writing, CERB…
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Our Videos
- Ambitious Adulting: How to Reach Financial Security in Your 20s
- Raising Your Vibrational Frequencies and Changing Your Life with Dawn James
- How To Rewrite Reality and Destroy Your Limiting Beliefs
- Understanding the Financial Products You are Buying with John Shmuel
- Tracy L Clark - How To Listen To Your Intuition And Change Beliefs
- How To Achieve Your Financial Goals In Less Than A Year
- The Big Secret of Financial Success with Robert Gignac
- How To Save Money On Credit Cards And Travel With Barry Choi
- How To Save Money On Recurring Expenses With The Cash Flow Cookbook
- Crushing Debt - Why You Should Pay Off Your Debt
- Interview About Mortgage Insurance, Mortgages and Bankruptcy
- How To Get A Mortgage with Bad Credit
- Announcing The Glass Is Half Full Interview Show
- Richard Killen Addresses the Standard Question: How Do You Know If You Have Too Much Debt in Your Life?
- Alternatives To Bankruptcy In The Greater Toronto Area
- A Person in Toronto Asks -Should I Go Bankrupt?
- What happens to my tax refund in a bankruptcy or consumer proposal in Brampton?
- Can I Include Income Tax Debt In My Bankruptcy in Durham, Ontario?
- What is the minimum debt required to Declare Bankruptcy in Scarborough Ontario?
- Can I Cancel My Personal Bankruptcy in Toronto, Ontario?
Seminar Videos
- Bankruptcy vs Proposal
- Administrator’s Report
- Why A Trustee Is Like A Bus Driver?
- Walking In The Door
- Verifying Statement of Affairs
- Proposals Explained Pt 1
Office Locations
Recent Blog Posts
- CRA Wage Garnishment and Bank Account Freezes: How to Deal with Tax Debt
- Tax Refunds and Consumer Proposals in Canada: What You Need to Know
- CRA Taking Tax Refund? How an LIT Can Help
- Should You File Taxes If You Can’t Pay? Tips from a Trustee
- How to Handle Lingering Holiday Credit Card Debt - What to Do Before It Gets Worse