Rita Chen

In Canada, credit scores run from 300 to 900 and help lenders judge repayment risk, shaping loan approvals, interest rates and credit limits.
Experts said loan mix mattered, but only modestly. The bigger driver was how consumers used credit and how scoring algorithms weighed that behavior.
The two major Canadian credit bureaus collected borrowing data and updated scoring models as new products emerged and more mortgage information became available.
Revolving credit like cards and credit lines could weigh more because they showed day-to-day management. Missing one payment signaled higher risk of missing others.
Keeping credit use low helped scores. Experts said staying below ~30% to ~40% was ideal, while nearing 100% could signal financial stress.
Payment history had the biggest effect, followed by total debt. Credit age also mattered, including oldest account, newest account and avg. account age.
Experts warned against too many applications or large unused credit lines. New card 

Credit Mix Helps, Behavior Matters More

The core message: investing success often depends more on mindset than stock tips, because thinking shapes decisions during rallies, drops, and uncertain markets.
Beginners often chase what to buy, but the guide said behavior control and steady habits mattered more than trying to predict unpredictable market moves.
A long-term mindset helped investors see daily swings as normal noise, while business growth over years better reflected a company’s real value.
Discipline replaced fear and excitement with a plan made in advance, helping investors stay consistent through calm periods and volatile stretches.
The guide urged beginners to stop chasing perfect timing or popular stocks, and instead invest regularly, study business value, and keep strategies simple.
It also framed risk and uncertainty as unavoidable parts of investing, best handled through careful management, patience, and thoughtful decisions tied to an overall plan.
Together, these mindset shifts supported steadier invest