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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…
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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 eve

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…
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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…
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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…
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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…
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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…
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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    …
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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…
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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…
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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…
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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…

Laid Off Due to the Coronavirus – Should I File a Bankruptcy or Consumer Proposal Now

The financial impact of the coronavirus is upon us with layoffs across a wide range of sectors leaving nearly half of Canadians now on the brink of insolvency. If you’re one of the millions laid off because of the coronavirus outbreak, you may be wondering if you should file a bankruptcy or consumer proposal and…

4 Money Mistakes You Need to Stop Doing Now

You may have made at least a few money mistakes in your life. Maybe you didn’t shop around enough and made a wrong buying decision that cost you huge savings. Maybe you spend money so easily that sometimes you wonder where all your money went right after payday. Maybe you decided you would take care…
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What Debt Do You Pay First During a COVID-19 Financial Emergency?

The world has been brought almost to a stop as we focus on fighting the spread of the coronavirus. Throughout Canada, we see business after business shut down and hundreds of thousands of people laid off. Some closures may be temporary, for some it may be permanent as they may not be able to recover…
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COVID-19 – Why We Need to Stay Home

  No one is immune to COVID-19. No matter how young you are. People of all ages can be infected by the new coronavirus. Older people, in particular and people with pre-existing medical conditions, such as asthma, diabetes, heart disease, kidney disease can become severely ill with the virus. We’re in the middle of the…
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Help for Individuals during the COVID-19 Pandemic

  The recent COVID-19 business closures have made it a lot more financially difficult. If your debt payments become unmanageable give us a call. We have also included some short relief options in the article below from the Toronto & York Region Labour Council. Stay Safe! Compiled by Labour Community Services and the Toronto & York Region…

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    About Richard Killen & Associates

    Since 1992, Richard Killen & Associates, a Licensed Insolvency Trustee, have helped thousands of people resolve their financial problems. With 25 years experience in this industry, our president, Richard Killen, and the rest of our team understand the difficulties that honest people can sometimes find themselves in. This expertise makes it possible to provide you with a service that effectively deals with the issues.

    Serving the GTA for 25 years