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Until recently, people used a technique called symmetric key cryptography to secure information being transmitted across public networks in order to make online mortgage shopping more secure. This method involves encrypting and decrypting a online mortgage message using the same key, which must be known to both parties in order to keep it private. The key is passed from one party to the other in a separate transmission, making it vulnerable to being stolen as it is passed along. With public-key cryptography, separate keys are used to encrypt and decrypt a message, so that nothing but the encrypted message needs to be passed along. Each party in a online mortgage transaction has a *key pair* which consists of two keys with a particular relationship that allows one to encrypt a message that the other can decrypt. One of these keys is made publicly available and the other is a private key. A online mortgage order encrypted with a person's public key can't be decrypted with that same key, but can be decrypted with the private key that corresponds to it. If you sign a transaction with your bank using your private key, the bank can read it with your corresponding public key and know that only you could have sent it. This is the equivalent of a digital signature. While this takes the risk out of online mortgage transactions if can be quite fiddly. Our recommended provider listed below makes it all much simpler. Will - A Personal Reflection Of Your Life by: News Canada
(NC)-Every person is unique, however, people have common needs - air, water, food, shelter, love, a sense of accomplishment. Beyond these, we are also concerned about our current financial needs, our futures and our family's well-being. Our day to day living is stressful enough and preparing a Will is not a subject most people talk about easily. The topic is usually ignored. Unfortunately, that is what almost half of Canadians do. Even among people who have already made Wills, most have not had their Will professionally reviewed every five years as recommended to keep pace with family, tax and legal changes. What is a Will? A Will is a written document, properly dated, signed and witnessed, in which you detail how the things that you own and your money are to be distributed after your death. Why Is Estate Planning So Important? Dying without a proper Will (or one that is out of date) risks needless taxation, legal challenges, delays, and family upset at an extremely stressful time. And your property may not be distributed as you intended. The only way to ensure that the things that you have worked hard all your life to have, will be passed on in a timely, tax-effective manner, according to your wishes, is to have a valid, up-to-date Will. Without a written Will:
A properly drafted Will is the only way to make a statement on your values and provide an orderly and timely plan for the settlement of your life. Your Will is not a "Do-it-Yourself" project. As the laws are ever changing, we strongly urge you seek professional advice. This will ensure your personal situation is considered in the context of your province's estate and trust laws. If you do not have a Will, or if your Will has not been updated recently, perhaps it is time to meet with a lawyer and get the job done. Take the first step; call Ontario March of Dimes toll-free at 1-800-263-3463 x 383 for a free copy of My Personal Organizer - a handy estate planning tool.
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