Cheryl Zhao

Cheryl Zhao

Cheryl Zhao, a financial expert, has been a part of our team for five years. After earning her MBA from MIT Sloan School of Management, she worked as a real estate broker before turning to blogging. Cheryl’s extensive knowledge of the housing market and trends, coupled with her passion for financial literacy, makes her blog posts an essential read for anyone considering becoming financially independent.

5 Ways to Pay Off Your Mortgage Faster

A change is brewing in the Canadian mortgage market as things hot up in 2018.  Central banks have a way of shaking things up when it comes to interest rate hikes. Even just the expectation of an increased overnight rate…

How to Save Money on Braces

Braces, can’t stand them, can’t live without them, if you want a perfect smile for your kids or yourself. The bad news with the orthodontic treatment is that, while the results are awesome, the costs are really steep, especially for some modern types (Incognito, Invisalign etc.) The good news is that not all treatments are as expensive and not all orthodontists charge an arm and a leg for your braces, so there are ways to cut costs and save money. IMPORTANT: Before we go into details, please be careful with your saving goals. While trying to get a good cost for your orthodontic treatment is a good idea, don’t skimp on quality or on your doctor’s experience. If you are being treated by someone who is not as experienced, you stand the chance to re-do your treatment so your savings won’t matter anymore. So, if we are now clear that you will try and find THE BEST doctor for your case and a good brace system, there are still ways to save money and get an excellent service. Start saving money as soon as possible If you have a kid, chances are he or she will need braces one day. This is why, starting saving some money early would be a good idea. Orthodontic treatment for your kid can go up to $ 5,000 or similar, if you saved 50 bucks/month just for this, in 10 years you’d have 6 thousand bucks ready for the treatment. Avoid fancy treatments I started out with Damon braces, a self-ligating type that’s fast and effective. Afterwards, not wanting to show a ‘metal mouth’, I decided to go with Invisalign. Big mistake, since in my case Invisalign wasn’t the best idea. It’s more suitable for simple cases, my dental issues were pretty complex, so […]