Ahhh…Where did Everything go?

Marci • May 26, 2013

How a Simple Backup Can Save You a Ton of Money, or A Common (and Costly) Web Mistake and How to Avoid It.  Your website is down after a move to a new server or a virus. Now what?  The answer depends on how prepared you were!

Did you have a backup of your website? If the answer is Yes, then great, you are one of the few that have backed up your web data or had a trusted web partner do it for you. If your answer is No… you are the majority. You probably figured nothing has ever gone wrong in the past so why would it now? You might even think the people you pay to host your site have it stored somewhere. THINK AGAIN.

Problems After a Move
Your hosting company moved your website to a new server or upgraded the server. Once it was moved, your site no longer had the functionality it once did, if it was able to run at all. The technology of the web server is now top notch, but the technology of your website may be out of date and incompatible with the latest and greatest.

The Dreaded Virus
Many web hosting servers are a favorite target for hackers. Why? These servers host thousands of websites which, in turn, see many visitors on them each day. What better way for a hacker to get more bang for their destructive buck than going after web hosting servers?! It’s safe to say that many viruses will not affect a website’s ability to function, but we have seen viruses that can bring a website to its knees.  As we learned above, it’s not the responsibility of the hosting company you use to keep a backup of your site.

So, how do you get your site back up after one of these disasters? Simple Answer: Be prepared to spend a lot of money, especially if you need it done ASAP.

However, this can all be avoided if you:
Make sure your domain is registered in your name and the contact details are up-to-date
Make sure you have a current copy of your website files (daily/weekly/monthly/annual) to restore from
Make sure your web platform technology and plug-ins (CMS) are kept up to date
Scan your site for viruses regularly
With a “Honey Do” Maintenance package from Get Jacked, not only can the prepaid hours be used for everyday maintenance of you website, they can also be used to ensure you have your domain registration in your control, there is a backup being kept of your website on a schedule that makes sense to your business, your web platform and plug-ins are kept to the most recent versions, and your site is regularly scanned for viruses.

By having a plan and a trusted partner beside you, you can rest at ease knowing everything is in place to prevent your site from going down, and if something does go wrong, you can quickly get your website back up without spending tons of money.

Blog Courtesy of our friends at  getjackedaboutit

 

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Bank of Canada Holds Rate at 2.25% — September 2, 2026

By Marci Deane • September 2, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. While Canada's economic recovery is broadening, a new layer of uncertainty has entered the picture. Here is what happened and what it means for your mortgage.

What Older Canadians Should Know About Mortgage Financing

By Marci Deane • August 26, 2026
Retirement doesn’t always mean a mortgage-free life anymore. And that’s okay. Between higher home prices, rising living costs, and longer life expectancy, many Canadians are choosing to retire with a mortgage or refinance later in life to create more flexibility. The goal isn’t perfection. It’s having options that actually support the life you want to live. If you’re thinking about how a mortgage fits into your retirement years, you’re not alone—and you’re not out of options. Why work with an independent mortgage professional? Because retirement financing is not one-size-fits-all. Unlike a single bank, an independent mortgage professional can look across multiple lenders and solutions to find what truly fits your income, equity, and long-term plans—not just what one institution offers. Mortgage options available in retirement Traditional Mortgage Solutions Many retirees still qualify for standard mortgages. Pension income, investment income, and other retirement sources can often be used to support an application. If you have good equity and solid credit, this is often the lowest-cost option. Reverse Mortgages For homeowners 55+, a reverse mortgage can unlock tax-free equity from your home with no monthly payments required. There’s no income verification or medical questions, making it a helpful option for those who want to improve cash flow while staying in their home. Home Equity Line of Credit (HELOC) A HELOC allows you to access your home equity as needed and only pay interest on what you use. Many retirees appreciate the flexibility and like consolidating income and expenses in one place. Private Financing Sometimes life throws a curveball. If timing, income, or credit create challenges, private financing can act as a short-term bridge. It’s not usually the first choice, but it can provide solutions when traditional lenders can’t. If you’re approaching retirement—or already there—and wondering how your mortgage fits into the picture, let’s talk. A clear plan can make retirement feel a lot more secure and a lot less stressful.

What Online Mortgage Calculators Can—and Can’t—Tell You

By Marci Deane • August 19, 2026
What Online Mortgage Calculators Can—and Can’t—Tell You Online mortgage calculators are everywhere—and on the surface, they seem like a no-brainer. You plug in some numbers, and out pops what you can “afford.” Simple, right? Not quite. While the math itself is correct, the story behind those numbers is often misleading. Mortgage qualification isn’t just about numbers—it’s about context, risk, and lender policy. And that’s where calculators fall short. The Numbers Are Accurate—but the Picture Isn’t An online calculator can show you what a payment might look like at a given interest rate, or how making extra payments could reduce your amortization. That’s useful information! But when it comes to mortgage qualification , calculators don’t account for the many variables that lenders consider, such as: Your credit history and score Employment type (salary, self-employed, contract) Outstanding debts and monthly obligations Assets, savings, and down payment source The property type and location you’re buying Lenders evaluate all these factors through their internal risk models. That means two people entering the exact same numbers into a calculator could receive very different results when they actually apply for a mortgage. Why Online Calculators Can Mislead You When you see a “How much can I afford?” or “Mortgage Qualification” calculator online, it’s easy to treat the result as fact. But these tools don’t know your financial story—they only crunch the data you enter. A calculator can’t predict how a lender views your risk, how new mortgage rules apply to your file, or how things like spousal support, car loans, or variable income will impact approval. In short: calculators estimate payments, not qualification . Use Calculators the Right Way Don’t get us wrong—online calculators still have value. Use them to explore different “what-if” scenarios: How do payments change with different down payment amounts? How would a rate increase affect affordability? What if you added $100 a month to your payments? These tools are great for helping you understand your comfort zone. Just remember: they’re a starting point, not a green light. The Real First Step: Get a Pre-Approval If you’re serious about buying a home, skip the guesswork and get a mortgage pre-approval . It’s quick, free, and gives you real-world clarity on what you can afford. A pre-approval looks at your full financial picture—income, credit, debts, assets—and provides a framework for your purchase price, payment range, and rate options. It’s the only way to get a reliable answer to the question, “What can I really afford?” Final Thoughts Online calculators are convenient, but they can’t replace expert advice. Think of them as a starting point, not a solution. A professional mortgage broker can interpret the numbers, navigate lender policies, and tailor your financing strategy to your actual situation. If you’d like help understanding your true buying power—or want to get pre-approved with confidence— reach out anytime . I’d be happy to walk you through your options and help you make sense of the numbers.