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CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls.​​ In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life​​ Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026​​ How a K‑shaped economy is widening the gap between asset‑rich Canadians and thos...

THIS BLOG GOES LIVE ON MONDAY, DECEMBER 22, 2025, AT NOON - WATCH THE VIDEO NOW! CANADA’S ECONOMIC ILLUSION: NET WORTH UP, HOUSEHOLD DEBT-TO-INCOME RATIO (DTI) SOARS Household Debt-to-Income Ratio (DTI) Climbs Along With Net Worth: this video is the explainer companion to our complete guide on Canada’s 2025 economic illusion. Canadian net worth has risen on the back of markets and housing, while household debt-to-income keeps climbing and growth stalls.​​ In this Canadian‑focused DTI guide, you will learn: What the household debt‑to‑income (DTI) ratio is, and why Canadians now owe roughly $1.75 for every $1 of disposable income How net worth can rise on “paper wealth” while many families feel poorer in real life​​ Why rising DTI, record household debt and softer growth are creating a dangerous economic illusion for 2026​​ How a K‑shaped economy is widening the gap between asset‑rich Canadians and those struggling with debt and shrinking savings​​ Practical steps to lower your DTI, rebu...

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FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA THIS BLOG GOES LIVE ON MONDAY, DECEMBER 15, 2025, AT NOON - WATCH THE VIDEO NOW! FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA Do you feel trapped by credit card debt, collection calls, or payday loans and wonder if a legal “fresh start” is even possible in Canada? In this video, avatar Ira Smith, Licensed Insolvency Trustee, explains how a consumer proposal and a personal bankruptcy work under Canada’s Bankruptcy and Insolvency Act, so you can choose the right fresh start for your situation.​​ You will learn: The warning signs your debt is no longer manageable and it is time to get professional help.​ The key differences between a consumer proposal and bankruptcy, including how much debt can be erased, what happens to your house, car, and other assets, and how creditor protection works.​​ How a Licensed Insolvency Trustee (the only professional in Canada legally authorized to file consumer proposals a...

THIS BLOG GOES LIVE ON MONDAY, DECEMBER 15, 2025, AT NOON - WATCH THE VIDEO NOW! FRESH START FROM DEBT: CONSUMER PROPOSAL VS BANKRUPTCY IN CANADA Do you feel trapped by credit card debt, collection calls, or payday loans and wonder if a legal “fresh start” is even possible in Canada? In this video, avatar Ira Smith, Licensed Insolvency Trustee, explains how a consumer proposal and a personal bankruptcy work under Canada’s Bankruptcy and Insolvency Act, so you can choose the right fresh start for your situation.​​ You will learn: The warning signs your debt is no longer manageable and it is time to get professional help.​ The key differences between a consumer proposal and bankruptcy, including how much debt can be erased, what happens to your house, car, and other assets, and how creditor protection works.​​ How a Licensed Insolvency Trustee (the only professional in Canada legally authorized to file consumer proposals and bankruptcies) guides you from your first confidential consultat...

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CORPORATE INSOLVENCY & RESTRUCTURING: SAVE OR CLOSE YOUR BUSINESS? (GTA ENTREPRENEURS GUIDE) THIS BLOG GOES LIVE ON MONDAY, DECEMBER 8, 2025, AT NOON - WATCH THE VIDEO NOW! CORPORATE INSOLVENCY & RESTRUCTURING IN CANADA: SAVE OR CLOSE YOUR BUSINESS? (GTA ENTREPRENEURS GUIDE) Are you a Greater Toronto Area entrepreneur juggling bills, maxing out credit, and worrying about CRA or your bank calling in loans? This video breaks down corporate insolvency and restructuring in Canada so you can decide whether to save your business or wind it down in an orderly, dignified way.​ You will learn the early warning signs of corporate financial distress, the difference between insolvency and bankruptcy, how a Division I proposal can help you restructure, and when corporate bankruptcy is the cleanest option. As licensed insolvency trustees, Ira Smith Trustee & Receiver Inc. provides clear, empathetic, and federally regulated advice to GTA business owners who need a realistic path forward....

THIS BLOG GOES LIVE ON MONDAY, DECEMBER 8, 2025, AT NOON - WATCH THE VIDEO NOW! CORPORATE INSOLVENCY & RESTRUCTURING IN CANADA: SAVE OR CLOSE YOUR BUSINESS? (GTA ENTREPRENEURS GUIDE) Are you a Greater Toronto Area entrepreneur juggling bills, maxing out credit, and worrying about CRA or your bank calling in loans? This video breaks down corporate insolvency and restructuring in Canada so you can decide whether to save your business or wind it down in an orderly, dignified way.​ You will learn the early warning signs of corporate financial distress, the difference between insolvency and bankruptcy, how a Division I proposal can help you restructure, and when corporate bankruptcy is the cleanest option. As licensed insolvency trustees, Ira Smith Trustee & Receiver Inc. provides clear, empathetic, and federally regulated advice to GTA business owners who need a realistic path forward.​​ Whether you are behind on HST or payroll remittances, selling equipment to cover operating cost...