Like many Canadians my family was mired in a fair bit of debt. Knowing that my good friend Paul Sidhu has been in finance for years I reached out to see if there was anything he could do to help me. Without a second of hesitation he said "of course my friend". As a long time consumer of TD we were reluctant to move our mortgage or any other services away unless we had to. Paul reassured me and said we could stay with TD and he took over the situation for us. Within a day we had a meeting scheduled with TD near our home and we put everything on paper with the adviser. 1 week later we signed our paperwork to refinance our debt and 2 amazing things happened. First we ended up with a lower interest rate (below 1.8%) on our mortgage. Second, we ended up freeing just under $2000 per month in disposable income. Now what did we do with this money you ask? We did not go out and buy new vehicles or TV's etc, we began to protect our family's future and put more money away for a rainy day. Thanks to Paul, our family has been enjoying life differently over the past 18 months and our investments that he helped us set up are giving us considerably more return than any of our ones that we had set up conventionally. Oh, and did I mention that I now work for the same company as Paul? I guess that is my way of paying it forward.