Category Archives: Community is Important

Divorce does not have to Hurt your Credit

Divorce does not have to be a  catalyst for landing an ex-couple’s credit scores in the toilet. Yes, it can seem overwhelming but our skilled Finance Team Managers Rapid Discrete Financing can help you secure low rate financing even if you are low on funds and need to buy a good safe car.

Even for those with severely damaged credit or no credit, period, all hope is not lost, says Jim Gilbert. Even if your credit is wrecked in the divorce, you still have options for financing a car,” says Jim” People with damaged credit or no credit will get the benefit of doubt with Rapid Pre-Approval at Wheels and Deals  auto financing.”

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In a divorce, any joint debt held by both spouses continues to be reported on both credit reports until the note is retired or one party’s name is removed from the contract, “says  Jim ” If you still have a joint auto loan on the vehicle your ex is keeping and supposed to be paying, that car payment affects your credit score and could affect your lender’s evaluation of your ability to take on another car payment,” he explains.

Consider working with your ex to remove your name from any outstanding debt, and the title to any vehicle you are attached to but no longer own. This will protect your credit score from your ex’s late or missed payments in the future.  Any negative history will impact your credit score for up to seven years. But if you understand the details of your credit history . Our properly trained financial services managers, can pull and review your credit history with you and be  able to make a stronger case for your qualifications as a borrower.

If you face a low credit score and an unreliable recent income history, it’s time to get down to business. Here’s a plan of attack for landing an auto loan with affordable terms:

Get Pre-Approved
Jim says try us  first Rapid Discrete Pre-Approvals   and give us the day to work for you and get you financed because in the event you shop  multiple dealers, each will create an inquiry on your credit report, which can impact your score.

Be a Loyal Customer
“Wheels and Deals can get you the lowest rate because it is less expensive for us sell to a loyal customer than to find a new one. Plus the banks love our high sales volumes which also lower your interest rates. You are a winner at Wheels and Deals.

Prove Your Income
Credit history aside, surprisingly most of the time our Finance Team at Wheels and Deals  Rapid Discrete Financing  can have your income verification waived.  Jim says. In nearly every divorce, each person’s income is lower than when they were a married couple. So this works in your favour to..

That said, income is income, and if you now receive spousal or child support, or recently landed a part-time job, the lender must consider it all equally.

Tell Your Story
Electronically generated credit scores are not the only factor in lending decisions. Humans have a say, too. “Tell us your story of what happened,” Jim says. “Let us help  prove that you have always been responsible and explain your recent change in credit history, that can go a long way.” Ps (We know what works)

By showing your credit and income history; records of consistent, on-time payments; and bank and loan documents proving a stable work history, it is easier to prove that your recent change in family status is indeed a temporary challenge.

Consider a Co-Signer
A solid last resort is to find a credit-worthy co-signer who is willing to help out. This person should have a stable history of credit, income and residence, as well as proof of the ability to cover the loan in the event you lapse. Immediate relatives — especially those who live nearby — are the most attractive to lenders, Jones says.

Do Not Despair
In most cases, people with no credit or poor credit do find reasonable financing for a car at Canada’s Huggable Car Dealer ( Lenders love us and our customers) . If you need to accept a loan with a high interest rate, you can always refinance or buy another vehicle under better terms in a few years when you are back on your feet and your credit has improved.

“I’ve seen people go from qualifying for terms of 16 percent APR to 4 percent APR in two years,” Jim says. Again, sticking with us,  Wheels and Deals during this transition period can better your chances of graduating into more attractive terms.

And remember: The negative impact of divorce, like most things in life, does not have to last forever. In fact, the survey found that 37 percent of respondents saw their credit score improve post-divorce.

Wheels and Deals #HugoftheWeek, goes to Holly Christie, WHO ORGANIZED GOLF FORE CARE !!

Golf Fore Care is an important event that the Foundation organizes to raise funds to improve the quality of life of residents at York Care Center so we can offer them activities and programs that are not funded by government. This year the funds raised will go to improve dementia care. It is something that touches almost every family! Without fundraising, programs such as therapeutic activities and memory clinics would not be available to our residents.



Holly receives a Wheels and Deals Huggable Singing Teddy Bear and a $ 20.00 Gas Card from Canada’s Huggable Car Dealer

The Jim Gilbert’s Hug of the Week, Goes to The TUCKER CHILDREN” ABBY 8 & LIAM 6″


Abby and Liam, Raising money for a security gate for Shepherd’s House, and Orphanage in Haiti. They have raised 2000$!     so far with the goal of $2500 …. Parents Gregg and Sandy Tucker….. Make a Donation Today (Cell 261-6901)

Canada’s Huggable Car Dealer,  will be giving Abby and Liam, one of our Signature 3 foot Singing Teddy Bears and a $20.00 Gas Card for being selected “The Jim Gilberts Wheels and Deals of the Week” for their very helpful efforts..

Shepherd’s House Orphanage Project: We are excited that you are joining with us in the mandate given to Evangelist Aaron Nelson and his wife Nathalie Nelson to help the less fortunate in Haiti, the poorest nation in the Western Hemisphere.

Our Goals and Vision:
The SHM was organized exclusively for charitable purposes. Specifically, our main activities are as follows:

A Better Life:
Daily life is a struggle of survival for the children in Haiti. An estimated 65 percent of the population lives in poverty. In Rural areas that number is about 80 percent. More than 200 000 kids live in the streets. Our goal is to save as many as we can by bringing them off the streets and out of poverty to a new home and teach them the skills necessary to lift themselves out of misery and into a bright future.

Health Care:
Infant mortality is 76 per 1,000 births. More than 1 child in 10 died before the age of 5. There is only 1 physician for ever 17, 064 inhabitants. (Haiti population is about 9 million) Upon arrival at the organization, each child will receive a good health care program. We will hire a private doctor for them. Ever child will undergo several medical tests during their first 6 months and/or every time when need be. The best medicine and vitamins will be provided when needed.

Better Nutrition:
Malnutrition affects almost every child in Haiti. At Shepherd’s House Ministries, the children will be provided with clean water, vitamins, and 3 meals a day (breakfast, lunch and dinner.)

Better Education:
40 percent of the population is under the age of 14. Close to half of primary aged children are not attending schools. Haiti had an illiteracy rate of over 55 percent, the highest in the Americas. Our children will attend a non-discriminatory primary-secondary school in the country. We will use every good tool necessary such as: Reading materials, tutors, field trips, and sports to better educate those precious souls. We believe that every child has a right to go to school and we will make it happen.

When one comes under, they will be fed, clothed, loved, and housed. They will receive treatment for their addictions and illnesses. They will be counseled, served, listened to, educated, and edified to their highest potential.

Operation Compassion:
Operation Compassion is to provide, information, and resources to help fulfill the call to feed the hungry, care for the elderly and to reach out to those in need.

Men and Women of Action:
Our mission will provide men and women the opportunity to show the love of Christ by participating in hands-on ministry through volunteer service in construction, disaster relief and humanitarian assistance while enhancing other ministries so that they will be more effective, efficient and fruitful in their participation in the Great Commission.

To mobilize a generation of disciples that know, love and follow Jesus Christ and actively advance the kingdom of God to the nations of the earth. To cultivate a discipleship movement that will gather, equip, mobilize, and make disciples, that will perpetuate disciples that make disciples, leaders that develop leaders, and churches that plant churches.

To accomplish these goals, Shepherd’s House Ministries purchased land in Gressier, Haiti in June 2007. Engineering Ministries International (EMI) went to Haiti to design the orphanage at Shepherd’s House request. The design includes two Dormitories, a K-12 School, a Multiuse Building (with kitchen, dining, chapel, and study facilities), a Sports field and open space for the children to play and explore. Each dorm will house 100 children in ten bedrooms, one for girls and the other for boys. The school will allow the children to receive a traditional education with opportunities to learn trades and life skills.

Utilities are required to sustain and educate each child and the new property has no water or sewer and although electricity is nearby, it is expensive and undependable. Therefore this design includes potable water system with a well and for the waste water; a septic/leach field system. For power, a diesel back up generator is included. A future self sustaining electrical/power system is desired; possibility utilizing Solar power.

Please prayerfully consider how may become part of this labor of love to glorify God and serve the children of Haiti. We look forward to hearing how the Lord leads you. If you would like more information please contact us.



Chat to the future

Our Mission

To promote global citizenship with students by providing direct, personal contact with single/double orphans in Uganda and the opportunity to observe the transformation of lives through social entrepreneurship and cultural exchanges.

Our Goal

To establish a stable home in a welcoming, involved community on a property that provides a sustainable food supply, practical skills, and academic support.

Our Objectives

  • $20,000 annually to continue meeting the needs of our 17 Ugandan orphans.
  • $30,000 to purchase an appropriate piece of land.
  • $100,000 to build a house that is appropriate for our mission and goal.

Our Strategies

Provide intimate engagement with the plight of Ugandan children by sharing the stories and direct contact.

To pursue and maintain partnerships with like-minded individuals and corporations

Janelle Fraser, International Speaker, Trainer, & Success Coach on CHCDTV with Jim Gilbert Canada’s Huggable Car Dealer. Learn about Janelle and enjoy one of the most rewarding journeys of your life and we guarantee it!

What is the difference between happy and unhappy people or successful and unsuccessful people? What separates the leaders from the followers? Is there any area of your life you want to experience more happiness and success? Are you interested in being a leader that people love to follow?

The answer is simple… It’s all in your thinking. You may not believe me yet, but that’s what my other clients said just before they realized the impact of their thoughts on their reality. The genuinely happy, wildly successful, and dynamic leaders of today have a mind-set that is different from the general population and it is this distinction that has allowed them to rise to the top.
Janelle firmly believes that coaching is a “do-with” process as there is nothing she can do-to-you to magically get the life you want. A coach is simply a tour guide (highly skilled with a few tricks up their sleeve) and works with the client to get the desired results. Together you and Janelle will design a coaching plan that fits your needs and goals.

The following may be a new way of looking at personal and professional development, but if you really want results you will have to consider this. If your knowledge on the unconscious mind is limited please refer to “What is heck is my unconscious mind” for further understanding. After all, your unconscious mind keeps you alive!

Can you remember a time where you made a conscious decision to change a behavior, or act differently? Of all the times you have done this, how many of those changes actually lasted (be honest)? Not many! This is because you were making conscious change and all behavior, change, and learning is unconscious and therefore, we need to work with both the conscious and unconscious mind to create lasting change. This contributes to the reason Janelle is comfortable guaranteeing her results as a coach.

Janelle guarantee’s your results when you hire her as your coach; based on her experience her clients always get results (which is relatively unheard of in the coaching community). What this means is that she has strict selection criteria for personal clients. Therefore, individuals interested in personal coaching must be serious about taking their personal or professional development to the next level and must be willing to do whatever it takes to move themselves past their obstacles.

“I do not believe in “quick fixes” or “temporary” solutions which is why I very rarely do 1 session. However, it is very common my clients are achieving results after only 1 session. My private clients are committed to their results and can expect to invest 4-5 figures depending on the value and results they wish to obtain. All coaching relationships are unique”

Book a Strategy Session with Janelle

Contact us today for more information at 506-261-1661 or

  • International Speaker, Trainer, & Success Coach
  • Neuro Linguistic Programming Board Certified Trainer & Master Practitioner
  • Time Line Therapy® Board Certified Trainer & Master Practitioner
  • Hypnotherapy Board Certified Instructor & Master Hypnotist
  • NLP Coaching Board Certified Trainer & Master Coach
  • University Degree: Kinesiology & Psychology
  • Certified Yoga Instructor

What we do best at Mayday Fine Print Marilyn Wilson, Jamie Rickard on CHCDTV Jim Gilbert

Welcome to Mayday Group

There are many companies who are experiencing difficulty standing out, retaining customers and being remembered. As a result, they are not allowing their business to reach it’s true potential.

At Mayday Group Inc., we’ve got solutions.

We produce professional printing on time and on budget. With our experienced and dedicated staff, you will find it easier than ever to have your printing needs done. Whether you prefer to use your own design, choose from thousands of templates on our website, or wish to have help creating a custom design – we offer all of these services to you.

But that’s not all. We have over 100,000 items that would look great imprinted with your logo or message. Pens, mugs & tote bags are just a few products we provide that are perfect for giveaways, store promotions and trade shows.

We’re here to help. Contact us and we will find a way to ensure that You’re Remembered.

 Contact Us
(506) 452-1007
info@maydayfineprint.comStamps & Signs
(506) 452-1007
Sales & Marketing
(506) 470-7924 (470-SWAG)
sales@maydayfineprint.comAccounting – AR / AP
accounts@maydayfineprint.comLocation, Contact Numbers & Directions
Unit 15, 385 Wilsey Rd.
Fredericton, NB  E3B 5N6
Tel: (506) 452-1007
Fax: (506)  458-9652



Mayday Fine printing Marilyn Wilson, Jamie Rickard on Jim Gilbert’s Wheels and Deals yCHCDTV 

  • A special shout out to Karen Campbell of NBCC for educating our Men and Women, that will be  contibuting to all our future’s…Jamie is a Graduate of NBCC Marketing Course and is working in his educated and chosen profession. 

 CHCDTV May Day Fine Printing Interview  




Your Mortgage Professor Pam Nierlich (Mortgage Broker) , with Jim Gilbert CHCDTV

Pam Neirlich

Home Financing 101 – The things they don’t teach you in school.

Where outlining your financial future is as simple as drawing on a chalk board.   Call to book your one on one,  a class where there are no stupid questions. You will learn:  what you need to qualify,  how much it will cost and the dynamics of how a mortgage works.  Don’t make such an important decision without the education.

Pam Nierlich

Premiere Mortgage Centre Inc.

Phone: 506.472.6645

Mobile: 506.449.9190

Fax: 506.472.3496


927 Prospect St, Fredericton , New Brunswick  E3B 2T7

Local Angel Taking on the World Designing Clothing as Ripped Angel Active Apparel, Allison Hill

Allison Hill  S.F.L.

Ripped Angel Active Apparel    Shopping & Retail

Ripped Angels from behind Ripped angel 2 girls

Ripped angel 1 girl

Tights feature a nice wide band at the top that can also be folded down. NEW prints to be released all the time!!! Accepting cash or e-transfer will SHIP!

Amazing pants. Love the colour. Love the fit. I run, squat, jump, skip, hop and everything else in these pants and they DON’T MOVE. It’s like working out naked. Lol. I’m a bigger girl with short legs and these still worked amazing. Going to the gym as a bigger person is scary enough. Once you have the right cloths to help you look and feel amazing, you won’t be able to stay away from the gym. I’ve had so many positive comments about them. Now I’m saving up for another pair. The hardest part is picking out the next colour lol..

Visit “Allison and enjoy Ripped Angel Apparel at  at 411 St. Mary’s St. Across from WheeLs and Deals

CAFE Nova Scotia Names Family Enterprise of the Year Finalists….

The Canadian Association of Family Enterprise (CAFE) is a member driven national organization that is passionately committed to promoting the well-being and value of family businesses who are pivotal contributors to the economic strength of our country. CAFE educates, informs and encourages its members in areas of unique interest to the family business through a stimulating program of activities that brings to its members the best sources of information and professional advice available.

Each year CAFE Nova Scotia recognizes significant achievement made within Atlantic Canada based family businesses.

Wheels and Deals was pleased to be named as one of three finalists in Atlantic Canada for the 2015 CAFE Nova Scotia Family Enterprise of the Year award. Wheels and Deals was the only New Brunswick based finalist.

Wheels and Deals was in a class with two other very deserving family enterprises: Cresco, and Salyzyn and Associates Limited. Congratulations to Cresco on being named the 2015 Family Enterprise of the Year!!

Thank you and hugs to CAFE Nova Scotia and their members for recognizing Wheels and Deals and the important significance of family enterprises to the changing Canadian economy!!



#MakeFrederictonFirst, Wheels and Deals, Fredericton, Used Car Deals

Fredericton is vying to be the first location in the country to receive a LAV memorial!

To support the #MakeFrederictonFirst campaign to bring the first LAV memorial to Fredericton, you are cordially invited to the red carpet gala premiere of our short documentary film “Make Fredericton First” to be held at the Regent Mall Empire Cineplex Theatre at 7PM on Thursday, January 29, 2015. For more information and to purchase tickets:

Wheels and Deals is pleased to suppport #MakeFrederictonFirst campaign!!

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Jim Gilbert-3831

Alex Gilbert-3851

Brad Kilbride-3855


David Sharp-3860

Chrystal Ventor-3848

Jessica Coughlan-3836

Jessica Dunphy-3865

John Eliakis-3853

Nick Van Beek-3861

Tony Grant-3841

Will Venator-3845

Troy Fasquel-3857

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Huggable Caribbean Cruise WINNER!!! Wheels and Deals, Fredericton, Used Car Deals

In 2014, every Wheels and Deals purchaser was entered to win a Caribbean Cruise in 2015 for two.

Cruise II

The winner was announced on New Years Day. At first, Tina Brown couldn’t belive that she was talking to Jim or that she had won!!

Tina was excited to come to Wheels and Deals to get a hug from Jim and hear more about her Huggable Cruise!


We are so excited for Tina and know that she will have a wonderful trip!!

We had so much fun giving a Caribbean Cruise to Tina…that we have decided to give away A CARIBBEAN CRUISE FOR TWO EVERY MONTH IN 2015!!

Every vehicle sold is entered to WIN!!!

Cruse 2015 Ad

Cruise C 2015

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‘Tis the Season, Wheels and Deals, Fredericton, Used Car Deals

The hustle and bustle of the Christmas season is in full swing at Canada’s Huggable Car Dealer. We have been spending lots of time out and about in the community.

In the last few weeks, we have participated in the McAdam Parade, Minto Parade and the Fredericton Santa Claus parade.

The theme of the Fredericton parade was a Super Hero Christmas!


We also continued our tradition of the Huggable Bear Tree at the Pine Grove Festival of Lights. You can view the decorated trees nightly on the ground of Pine Grove Nursing Home- 521 Woodstock Road.



The Wheels and Deals ladies were pleased to wrap presents at Regent Mall yesterday in support of the Chalmer’s Foundation. They even got to visit with Santa!!


It’s shaping up to be a busy and exciting holiday season!

From all of us at Canada’s Huggable Car Dealer we wish you and your family a very huggable Christmas and all the best in 2015!!

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Halloween Safety Tips, Wheels and Deals, Fredericton, Used Car Deals

Are you ready for Halloween?? Hugs and Kisses are!!!



It is almost here! The excitement of the occasion can often makes us forget about safety. Here are some safety tips to help keep everyone safe this year:


  • Never trick-or-treat alone. Always walk with an adult or a group of friends.
  • Make sure you can be seen. Wear reflective, bright colour costumes, or fasten reflective tape to your costume or bag. Avoid masks that restrict your vision.
  • Only visit well-lit houses.
  • Don’t go into the house for your treats; always wait outside.
  • Don’t eat any treats until an adult has inspected them.
  • Carry a flashlight so you can see where you are going.
  • Don’t criss-cross the street or run out from between parked cars. Always go down one side of the street, cross at the corner, and then go down the other side.
  • Watch for cars pulling out of driveways and backing up.
  • Watch for open flames from jack-o-lanterns and displays.
  • Don’t trample through gardens or bushes. Always use pathways and sidewalks.


  • Halloween means there will be children on the streets. Drivers need to use extra caution. With the excitement of Halloween, children may forget simple pedestrian safety rules.
  • Drive slowly in residential areas where children are more likely to be trick-or-treating. Reduce your speed and stay alert.
  • Slow down and proceed with caution when entering and exiting driveways or backing up.


  • Keep your home and doorway well lit. Clear sidewalks and pathways for safety.
  • Avoid using open flames in any displays.

Have a Safe and Huggable Boo!!!



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Health in Motion, Wheels and Deals, Fredericton, Used Car Deals

Health in Motion, 24 hour spinathon kicked off  at 10am Friday, October 24th in the lobby of Chalmer’s Hospital. The event featured two teams of two spinning for 12 consecutive hours on spin bikes. Megan and John had the first shift from 10am-10pm, Steve and Eric finished off the spinathon with the second shift from 10pm-10am.




The purpose of the event was to raise funds for Oncology, in particular the John Webster Memorial Fund which helps families and patients to pay for expenses (travel etc.) while they undergo cancer treatment.


The event was created by Steve Webster in loving memory of his father who passed from cancer a few years ago. Each year Steve rallies a team of co-workers and friends to participate in the event. This was the 2nd annual 24 hour spinathon.

This year, the event raised $2263 for Oncology. Thank you and hugs to everyone who stopped by to show support and make a donation!!!


Way to go Steve, Megan, John and Eric!!!!


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Halloween Safety Tips for Furry Friends, Wheels and Deals, Fredericton, Used Car Deals

It’s almost the time of year for ghost and goblins!! Many of us look forward to trick or treaters, Halloween decorations and of course-CANDY!! Halloween can be one of the most stressful days of the year for our furry friends…with lots of strangers coming to the door, scary costumes and of course the repeated ringing of the doorbell.

Halloween puppy

Here are some tips to help your pet have a safe Halloween!! (

1. Keep candy away from pets- Chocolate can be harmful to your pet. Symptoms of chocolate poisoning may include vomiting, diarrhea, rapid breathing, increased heart rate, and seizures.

2.Don’t leave pets out in the yard on Halloween

3.Candles and Jack-O’-Lanterns within a pet’s range are a fire hazard. Wagging tails and frightened cats zooming through the house can easily tip over a candle or carved pumpkin, causing burns or a fire.

4.Not only will your door be constantly opening and closing on Halloween, but strangers will be dressed in unusual costumes. Dogs are especially territorial and may become anxious and growl at innocent trick-or-treaters. Putting your dog or cat in a secure room away from the front door will also prevent them from darting outside into the night …

5.Try on pet costumes before the big night.
If they seem distressed, allergic, or show abnormal behavior, consider letting them go in their “birthday suit”. Festive bandanas usually work for party poopers, too.

Wishing your furry friends a safe and huggable Halloween!!

Stay tuned next week for some general Halloween safety tips….

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Exile Island 2014,Fredericton, Wheels and Deals, Used Car Deals

Wheels and Deals was pleased to participate in Exile Island 2014 in Fredericton.  Based off the TV show Survivor, teams of 4 compete in a series of challenges to out wit, out play, out pledge one another in an exciting afternoon of physical, mental and strategic challenges. The teams collect pledges for the Children’s Wish Foundation.

This year, Wheels and Deals “Huggable Exiles” raised almost $3000 through a variety of fundraisers including a community yard sale.

At the end of the day, all the participating teams came together to raise $10,000 for the Children’s Wish Foundation which will be used for granting wishes. Congratulations and hugs to all those who organized, supported, volunteered and participated in Exile Island 2014!!!

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