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 The technology of the web server is now top notch, but the technology of your website may be out of date and incompatible with the latest and greatest.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% — July 15, 2026

By Marci Deane • July 15, 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%. The tone of today's announcement is notably more optimistic than previous months. Here's what's changed and what it means for you.

Let’s Talk About Getting Top Dollar for Your Property

By Marci Deane • July 8, 2026
When it comes to selling your home, most people think the first call should be to a real estate agent. But the smartest first step often isn’t with your agent—it’s with an independent mortgage professional. Why? Because your mortgage plays a bigger role in your bottom line than most people realize. Planning to Buy After You Sell If selling means you’ll also be purchasing another property, you’ll want to know exactly where you stand financially before listing. Mortgage rules change regularly, and qualifying once doesn’t guarantee you’ll qualify again. Getting a pre-approval in place ensures you know what you can afford and eliminates surprises later. On top of that, reviewing the terms of your existing mortgage could uncover options you may not have considered. For example, porting your mortgage instead of arranging a brand-new one could save you thousands. Selling Without Buying Even if you aren’t planning to buy right away, there’s still an important step: understanding the cost of breaking your mortgage. Unless your mortgage is open, penalties apply—and they can be significant. By reviewing the numbers with a mortgage professional, you might find that simply adjusting your timeline could reduce or even avoid costly fees. Navigating Life Changes In situations like a marital breakdown, it can feel like selling the family home is the only path forward. But that’s not always the case. With the right guidance and a legal separation agreement, one spouse may be able to buy out the other, keeping the home and providing stability for everyone involved. The Bottom Line Selling your property is more than just putting a sign on the lawn—it’s about creating a financial plan that protects your equity and positions you for the best possible outcome. Before you take the leap, let’s sit down and review your options. 📞 If you’re ready to talk strategy and make sure you get top dollar for your property, I’d be happy to connect anytime.

Don’t Let Collections Derail Your Mortgage Application

By Marci Deane • July 1, 2026
Can You Get a Mortgage If You Have Collections on Your Credit Report? Short answer? Not easily. Long answer? It depends—and it’s more common (and fixable) than you might think. When it comes to applying for a mortgage, your credit report tells lenders a story. Collections—debts that have been passed to a collection agency because they weren’t paid on time—are big red flags in that story. Regardless of how or why they got there, open collections are going to hurt your chances of getting approved. Let’s break this down. What Exactly Is a Collection? A collection appears on your credit report when a bill goes unpaid for long enough that the lender decides to stop chasing you—and hires a collection agency to do it instead. It doesn’t matter whether it was an unpaid phone bill, a forgotten credit card, or a disputed fine: to a lender, it signals risk. And lenders don’t like risk. Why It Matters to Mortgage Lenders? Lenders use your credit report to gauge how trustworthy you are with borrowed money. If they see you haven’t paid a past debt, especially recently, it suggests you might do the same with a new mortgage—and that’s enough to get your application denied. Even small collections can cause problems. A $32 unpaid utility bill might seem insignificant to you, but to a lender, it’s a red flag waving loudly. But What If I Didn’t Know About the Collection? It happens all the time. You move provinces and miss a final utility charge. Your cell provider sends a bill to an old address. Or maybe the collection is showing in error—credit reports aren’t perfect, and mistakes do happen. Regardless of the reason, the responsibility to resolve it still falls on you. Even if it’s an honest oversight or an error, lenders will expect you to clear it up or prove it’s been paid. And What If I Chose Not to Pay It? Some people intentionally leave certain collections unpaid—maybe they disagree with a charge, or feel a fine is unfair. Here are a few common “moral stand” collections: Disputed phone bills COVID-related fines Traffic tickets Unpaid spousal or child support While you might feel justified, lenders don’t take sides. They’re not interested in why a collection exists—only that it hasn’t been dealt with. And if it’s still active, that could be enough to derail your mortgage application. How Can You Find Out What’s On Your Report? Easy. You can check it yourself through services like Equifax or TransUnion, or you can work with a mortgage advisor to go through a full pre-approval. A pre-approval will quickly uncover any credit issues, including collections—giving you a chance to fix them before you apply for a mortgage. What To Do If You Have Collections Verify: Make sure the collection is accurate. Pay or Dispute: Settle the debt or begin a dispute process if it’s an error. Get Proof: Even if your credit report hasn’t updated yet, documentation showing the debt is paid can be enough for some lenders. Work With a Pro: A mortgage advisor can help you build a strategy and connect you with lenders who offer flexible solutions. Collections are common, but they can absolutely block your path to mortgage financing. Whether you knew about them or not, the best approach is to take action early. If you’d like to find out where you stand—or need help navigating your credit report—I’d be happy to help. Let’s make sure your next mortgage application has the best possible chance of approval.