#Couples Counselling in Coquitlam
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#Marriage Counselling in Coquitlam#Couples Counselling in Coquitlam#Families Counselling in Coquitlam#Life Coach in Coquitlam#Depression Counselling in Coquitlam#Anxiety Counselling in Coquitlam#Family Counselling in Coquitlam#Therapists in Coquitlam#Counsellor in Coquitlam#Stress Management Counselor in Coquitlam
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Signs You And Your Partner Need Couple Counseling
Well, couples go through a lot of ups and downs in their lives. Many a time, they handle it on their own, but sometimes the tussles set their roots in their relationship. Even though this is the right time to seek marriage counselling in Coquitlam, due to the stigma associated with such counselling, people feel ashamed and guilty of visiting such counselling centers. Old conventional methods say that these problems should be kept within the four walls and must not go outside. Due to such societal orthodoxies, people do not opt for couples counseling in Coquitlam.
hWe want to say that by picking up couples counseling, people do a favor to themselves. If you want to know the signs that you and your partner needs counseling, check the following:
You must go for couples counseling in Coquitlam when you know that there is no intimacy left in your relationship. You have spent happy days with your spouse and now due to life’s responsibilities, you are not able to pay attention towards each other. Couples counseling is a way out. The counselor will listen to both of you and once you puke out your anger, you will feel relaxed. Your relationship will automatically improve.
Couples fight because they fear communicating with each other. The arguments blow out of proportion and at times, the partners fight over petty issues. A couple’s counselor can help to sort out such small differences and ensure that the couples start leading a happy life again.
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Insolvency trustee Doug Hoyes encounters a lot of Canadians with money troubles, but he's become particularly sympathetic to the plight of young people who find themselves financially underwater.
For more than a decade, his Ontario-based firm Hoyes Michalos has been crunching bankruptcy and insolvency numbers for its annual "Joe Debtor" analysis, with its latest results released last month ahead of tax season.
He's concluded that millennial Canadians have been dealt a generational losing hand as they face student loans layered with bad debts from credit cards, high-interest loans, and post-pandemic tax debt from collecting CERB.
"I think there are whammies that hit millennials," Hoyes said. "The CERB was the final straw that broke the camel's back." The 2022 Joe Debtor study examined 2,700 personal insolvencies filed in Ontario. Hoyes Michalos says 49 percent were filed by millennials aged 26 to 41, even though they make adult Canadians.
The study found that 1.4 times more likely to file for insolvency than people in generation X aged 42 to 56 and baby boomers aged 57 to 76.
Insolvent millennials were 33 years old and owed an average of $47,283 in unsecured debt. Hoyes said many people collected CERB and other pandemic-relief funds without fully appreciating the tax liabilities those programs generated, finding themselves insolvent and unable to pay down their credit cards, student loans, high-interest loans, and their tax debts.
More Canadians of all ages filed for bankruptcy or insolvency in 2022. But older generations, Hoyes said, have enjoyed many advantages.
Housing prices were more in step with wages. Tuition fees didn't necessitate student loans, allowing graduates to enter the workforce and start saving and investing out of the gate than having to service large debts for years after completing their education.
Hoyes said those circumstances represented a "safety valve" that young people now can't rely on. "Anything goes wrong like a pandemic, or you lose your job or get sick or get divorced and no safety valve there," he said.
Filing for bankruptcy, he said, is an option to eliminate debts, but filing consumer proposals with the help of insolvency trustees like him to pay them down over time in manageable portions.
"It becomes an affordable way to eliminate the debt, and that's why we're seeing more and more millennials resorting to consumer proposals," he said. "They really have no other choice."
Sandra Fry, a Winnipeg-based credit counselor with the non-profit Credit Counselling Society, said many young people dealing with the shock of rising interest rates.
"Unfortunately, people out there are living on the edge of their affordability," Fry said. Fry said the Credit Counselling Society sees all types of people struggling financially with rising costs that are Canadians from all sides."
The society helps people struggling with debt, negotiating with creditors to eliminate interest on loans, but also refers people in some situations to bankruptcy and insolvency trustees.
Millennial clients she's dealt with lately have often had variable interest rate mortgages, and rate hikes "caused a huge strain on their budget because their payments just went up like crazy."
Dave Locke, 31, lives with his wife in Coquitlam, B.C., east of Vancouver, and the couple sought Fry's help when their mortgage payments jumped dramatically in the middle of a costly renovation.
Locke, a real estate brokerage in the housing market at a young age in the oil and gas industry after high school. He ended up buying a home in Coquitlam with his wife Tara, who works in labor relations, and the Bank of Canada's rate hikes eventually saw their monthly mortgage payments jump 40 percent.
The couple had a construction loan from their bank to fund the renovations climbed, and the price of construction materials ballooned. Locke realized something had to give, even with their relatively high combined incomes.
Insolvency or bankruptcy weren't options for the couple because they wanted to keep their assets and were able to work out a deal with their bank to eliminate interest on the renovation loan.
"I'm still paying the full balance," Locke said. "I'm just not paying any additional interest." Locke said the stress and stigma of debt are embarrassing, "but it's just the way it goes."
Grant Bazian, a licensed insolvency trustee and president of MNP Ltd. in Vancouver, said he's seen many clients "keeping up with the living beyond their means and getting stuck in a cycle of high-interest debt from payday loans and credit cards, layered on top of "ridiculous" housing costs.
Bazian said there's likely no "one magic bullet" to alleviate the debt woes of young people, many of whom are coming to see him racked with anxiety and other mental health issues.
For accountant Hoyes back in Ontario, putting out the firm's Joe Debtor study every year lets people know they're not alone and reminds them of legal options to start anew financially.
Hoyes said it would be a mistake to automatically blame millennials for their money trouble because "you stacked against them. "You don't have to keep working two jobs for the next 20 years," he said. "There are legal ways to eliminate a chunk of your debt, and yeah, it hurts your credit temporarily."
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Standard post published to Grigore Counselling & Associates at February 12, 2023 17:00
Port Coquitlam Surrey, BC
Grigore Counselling in Port Coquitlam, Surrey, BC, offers quality, professional services to those looking for support to tackle life’s challenges. With mindfulness, empathy, and expertise in cognitive behavioral therapy, we are here to help get you through difficult times. Our team of certified and experienced professionals is committed to helping individuals, and couples overcome challenges, build healthier relationships, and increase their well-being. Together, we create an individualized approach to counseling that honors each person's unique challenges in a safe, non-judgmental, and compassionate setting. We believe in taking a holistic approach to mental well-being, offering a unique blend of modern and traditional therapeutic techniques. Reach out today and let our experienced team of professionals guide you toward healing and restoration.
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Looking for the best and highly experienced trauma and PTSD therapist? Our counsellors are trained to deal with symptoms and root causes of psychological trauma. Our treatment methods can help you regain a sense of control over your life. For more information, call us at (778) 381-5868.
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Modern Miracles Community
Modern Miracles is a spiritual community founded on the teachings of A Course in Miracles. We offer inspiring programs and supportive services that enhance the spiritual wellbeing of individuals and families. Modern, fresh and practical, we aim for spiritual integration in all facets of life (family, parenting, relationships, finances, health, life purpose).
A Growing Spiritual Community
Offering creative and inspiring events for people to gather, connect and heal together.Spiritual Counselling and Mentoring
A transformative process for individuals and couples seeking guidance and support. Multiple Learning Opportunities
Providing a variety of learning platforms to support people on their spiritual journey.
Modern Miracles
Coquitlam, BC
1 (778) 792-0078
http://www.modernmiracles.ca
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We offer marriage counselling and couples therapy services in Coquitlam, Port Coquitlam, Surrey and surrounding areas.
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Couples in Coquitlam
Couples seeking counseling services in the city of Coquitlam, located in British Columbia, Canada. Open Mind Counseling offers professional counseling services to help couples navigate through various challenges they may face in their relationship. With a focus on communication, trust-building, and conflict resolution, Open Mind Counseling provides a safe and supportive environment for couples to work through their issues and strengthen their bond.
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Couples in Coquitlam
Couples seeking counseling services in the city of Coquitlam, located in British Columbia, Canada. Open Mind Counseling offers professional counseling services to help couples navigate through various challenges they may face in their relationship. With a focus on communication, trust-building, and conflict resolution, Open Mind Counseling provides a safe and supportive environment for couples to work through their issues and strengthen their bond.
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Couples in Coquitlam
Couples seeking counseling services in the city of Coquitlam, located in British Columbia, Canada. Open Mind Counseling offers professional counseling services to help couples navigate through various challenges they may face in their relationship. With a focus on communication, trust-building, and conflict resolution, Open Mind Counseling provides a safe and supportive environment for couples to work through their issues and strengthen their bond.
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Couples in Coquitlam
Couples seeking counseling services in the city of Coquitlam, located in British Columbia, Canada. Open Mind Counseling offers professional counseling services to help couples navigate through various challenges they may face in their relationship. With a focus on communication, trust-building, and conflict resolution, Open Mind Counseling provides a safe and supportive environment for couples to work through their issues and strengthen their bond.
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Couples Counselling in Coquitlam
Looking for a Couples Counselling in Coquitlam? The Open Mind Counselling team will journey alongside you to help you learn new ways to manage life’s challenges and stressors as well as create or renew feelings of resilience, hope, and confidence. Email us today: [email protected] or call 047549998.
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