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Gail Vaz-Oxlade

  • T&T: RRSP Edition
    P wrote: Gail, my husband was transferred to the U.S. and I’m just about to follow him. Since we will be U.S. residents, how’s that going to affect the money we have in RRSPs in Canada?Gail says: The amount you’ve accumulated in the RRSP up t…
    - 99 days ago, 16 Jan 14, 1:07am -
  • The Elephant and the Acacia Tree
    One of the most wonderful things about traveling is all the new stories you have to tell when you get back home. Today I begin my Africa series. The seeds of many of these stories germinated while Alex and I were travelling in Tanzania. I didn’t wr…
    - 100 days ago, 15 Jan 14, 1:00am -
  • What You Don’t Know Can Hurt You!
    People have all kinds of misconceptions about credit cards that end up biting them in the butt. If you’re going to use any tool to your advantage, you’ve got to read the instruction manual first. You wouldn’t start up a chain saw without having…
    - 14 Jan 14, 12:56am -
  • How much to Your RRSP?
    Are you planning on contributing to your RRSP for 2014? Will you make a smaller contribution than you did last year? According to the Stats Man, even as our spending on crap has gone up, RRSP contributions have been on a steady decline. Fewer people…
    - 13 Jan 14, 12:50am -
  • Who’s In Charge Here?
    Are you sure you’re in charge of your life? Or could it be that you’re actually a product of all the programming you’ve been given? From childhood and the need to live by our parents’ rules, through school age and all the rules imposed there,…
    - 10 Jan 14, 1:07am -

Million Dollar Journey

Canadian Capitalist

  • Sleepy Mini Portfolio Q1-2014 Update
    The Sleepy Mini Portfolio was launched in 2007 to demonstrate how a mechanical investment program can slowly but surely build wealth over the long term.… Read More ›Sleepy Mini Portfolio Q1-2014 Update is brought to you by Canadian Capitalist --…
    - 30 days ago, 25 Mar 14, 7:16pm -
  • How to Painlessly Transfer your Account from one Broker to Another
    If you have just opened a trading account with a new discount broker or you have accounts in different places and want to consolidate, you’ll… Read More ›How to Painlessly Transfer your Account from one Broker to Another is brought to you by Ca…
    - 79 days ago, 5 Feb 14, 8:59am -
  • Sleepy Mini Portfolio Q4-2013 Update
    The Sleepy Mini Portfolio was launched in September 2007 to demonstrate how a super simple, regular investment program can slowly but surely build wealth over… Read More ›Sleepy Mini Portfolio Q4-2013 Update is brought to you by Canadian Capitali…
    - 86 days ago, 28 Jan 14, 7:09pm -
  • Performance of Currency-Neutral S&P 500 Index Funds
    Many investors would like to get exposure to US stocks in their portfolio even if they believe that the US dollar is in a secular… Read More ›Performance of Currency-Neutral S&P 500 Index Funds is brought to you by Canadian Capitalist -- Helping…
    - 95 days ago, 19 Jan 14, 4:00pm -
  • Why I moved to BMO InvestorLine
    I’ve held all our investment accounts at TD Direct Investing (TDDI) for a number of years. When I moved to TDDI, they were one of… Read More ›Why I moved to BMO InvestorLine is brought to you by Canadian Capitalist -- Helping you to invest & pr…
    - 99 days ago, 15 Jan 14, 12:06pm -

Canadian Finance Blog

  • Guaranteed Investment Certificates: Are GICs Risk Free?
    One of the most interesting, and safest, investments that Canadians have access to is the GIC. With a GIC, you invest your principal at a set rate of return. You receive the same interest yield, regardless of what is happening in the markets. Becaus…
    - 2 days ago, 23 Apr 14, 3:00am -
  • Tax Refunds Are a Bad Thing
    There are many jokes about how terrible tax time is, but the truth is that many people actually enjoy tax time. While the paperwork is never a good time, the result of filing your taxes can mean that you end up with a nice, big refund. However, getti…
    - 4 days ago, 21 Apr 14, 3:00am -
  • Tax Deadline Is May 5th, Have You Filed Your Taxes Yet?
    Notice: The tax deadline has been extended to May 5, 2014 for filing 2013 taxes. The delay is due to the Heartbleed vulnerability found with the CRA web site. The fix has been made, and it’s safe to use the CRA site. However, the CRA disabled some…
    - 9 days ago, 16 Apr 14, 3:00am -
  • Four Ways to Deal with a Home That Won’t Sell
    The rate of foreclosures down in the US is certainly bad news but some economists believe that before the housing market can rebound, the balance of the toxic mortgages have to be flushed out of the system. Here in Canada where the real estate market…
    - 11 days ago, 14 Apr 14, 3:00am -
  • Is Your Investing Too Emotional?
    One of the problems that many Canadians have with investing is that they become too emotional. A survey by the Bank of Montreal found that two-thirds of Canadians have a hard time keeping their emotions in check when they invest. While it’s impossi…
    - 18 days ago, 7 Apr 14, 3:00am -

Money Smarts Blog

  • 2013 Investment Portfolio Returns – Another Good Year
    New year and time for a new post! I like to measure the performance of my investment portfolio every January to see how I’m doing.  This year was a banner year for equities and my portfolio went up 19.9% which is pretty good for  a 75% equity/25%…
    - 93 days ago, 21 Jan 14, 7:22pm -
  • Qtrade Discount Brokerage Review
    Qtrade is an independent discount brokerage which has done extremely well in the annual Globe and Mail brokerage rankings. After calling them a number of times, I can see one of the reasons. They are super quick to answer the phone. Related:  My Can…
    - 29 May 13, 3:00am -
  • LinkStuff – High Definition TV Edition
    I finally upgrade to high definition tv and have been pretty happy with it.  Hockey is pretty good in HD (although it would be a lot better if the Leafs were still playing), but the best improvement has been cycling.  I’m currently watching the…
    - 24 May 13, 3:00am -
  • LinkStuff – More Money For Beer Edition

    - 8 Mar 13, 3:00am -
  • Great Money Advice For Canadian College & University Students On How To Avoid Student Loans
    I recently had a chance to read the book “More Money for Beer and Textbooks” which is a book written for students in post-secondary education or in their last year of high school or CEGEP. It was written by Kyle Prevost and Justin Bouchard who ar…
    - 4 Mar 13, 3:00am -

Retire Happy Blog

  • Facts of life: creative uses for life insurance
    Life insurance protects our loved ones from financial disaster should a family lose a bread winner due to a premature death. In fact, insurance often is an essential part of your financial planning, perhaps far more important than investing. However,…
    - 1 day ago, 23 Apr 14, 3:24pm -
  • 5 Strategies to Save More And Spend Less
    “What you make of your life is up to you; you have all the tools and resources you need. What you do with them is up to you.” – Unknown The essence of money management isn’t hard to grasp. Know how much you make, know how much you spend and m…
    - 2 days ago, 22 Apr 14, 4:03pm -
  • Differences between LIRAs and RRSPs
    In dealing with Workplace Savings Programs, there can be a lot of confusion with the difference acronyms in the financial industry.  One of the common misunderstandings is knowing the difference between LIRAs and RRSPs. What is an RRSP? RRSPs are ve…
    - 3 days ago, 21 Apr 14, 1:59pm -
  • Understanding the Capital Dividend Account
    What is a Capital Dividend Account? The Capital Dividend Account, or CDA, is a notational account that small business can use to pay out tax free income to its shareholders.  Small business must be a Canadian controlled private corporation (CCPC),…
    - 9 days ago, 16 Apr 14, 12:46am -
  • The Hidden Cost of Debt
    “Only those who risk going too far can possibly find out how far they can go.” – T.S Eliot Four years ago, I bought a house. Those of you who have read my posts before will know that my adventure in home ownership is a cautionary tale involving…
    - 10 days ago, 15 Apr 14, 12:10am -


Financial Highway

  • newInvestments vs Career Changes-A Brief Overview
    Although there are a variety of things that individuals can do to solve financial problems or ensure that they have a strong financial future, making investments or changing careers can be particularly effective. If you are thinking about making inve…
    - 18 hours ago, 24 Apr 14, 4:00am -
  • How Much Should You Give Your Kids for Allowance?
    Chances are that you want to provide your children with opportunities to learn about responsible money management. As a parent, I want to make sure my son understands the importance of making good choices, and that he gets off to a good start with go…
    - 3 days ago, 22 Apr 14, 5:00am -
  • Ready, Set, Build A Better Business
    Folks dissatisfied with their present careers (or lack of) are good candidates to make their dreams of working for themselves come true. All it takes is the right idea and the dedication necessary to draw up a plan and stick with it. Not everyone is…
    - 4 days ago, 21 Apr 14, 4:00am -
  • How to Get the Best Gas Mileage for Your Buck
    According to Gas Buddy, you have to go all the way back to 2010 to find a time when drivers paid under $3 for a gallon of gas in the U.S. Given this upward trend in gas prices, it’s no wonder so many people are thinking about ways to improve their…
    - 9 days ago, 16 Apr 14, 5:25am -
  • Top 8 Ways to Prevent Financial Loss
    When dealing with financial loss, plenty of us will experience serious problems in the short and long run. While not always easy to avoid, if you employ a proactive approach and take steps to protect you and your loved ones, you can avoid problems. H…
    - 10 days ago, 15 Apr 14, 5:00am -

The Financial Blogger

  • What is The Best Emergency Fund?
        It may sound like a financial planning topic but this is only common sense: you need an emergency fund. If you are young and starting your career; you need an emergency fund to cover for a job loss. You have a young family and a mortgage; you n…
    - 10 days ago, 15 Apr 14, 4:00am -
  • How I earned a second paycheque in my spare time
      This is a guest post from a blogger fella Robb Engen. After some discussion, I realized that he was running several online gigs on the side and his wife has even stopped working! He would definitely qualify for my post “Successful Double Income…
    - 17 days ago, 8 Apr 14, 4:00am -
  • Private School is the Way to Go – Public School….
        I just had a very interesting discussion about money with my partner not so long ago. He is the only guy on earth with whom I can discuss this incredibly taboo topic of sex money!  We both know each other’s salary, bonuses, net worth, debt l…
    - 22 days ago, 3 Apr 14, 4:48am -
  • Successful Double Income Stories That Don’t Lead to Quitting Your Job
        We often read on the web about dotcom moguls who quit their job to live free and happily in the marvelous world of internet. For a while, I was skeptical about these crazy stories until I met a few of these bloggers personally. Still, I can tot…
    - 24 days ago, 1 Apr 14, 4:00am -
  • Index Investing; Is It Always Better Than Mutual Funds?
        Sometimes, I have the feeling that people think that managing their investments is as easy as making a peanut butter sandwich in the morning…   From what I’ve read in the financial industry for the past ten years, high management fees (cal…
    - 29 days ago, 27 Mar 14, 4:04am -

Canajun Finances

  • Financial Wastefulness
    The Pope in his Easter message had one very interesting line: Help us to overcome the scourge of hunger, aggravated by conflicts and by the immense wastefulness for which we are often responsible. The phrase that really caught my eye was “.. the im…
    - 2 days ago, 23 Apr 14, 6:08am -
  • Decreasing Electronic Footprint
    After the past few weeks of fun and excitement on the Web, I have decided to practice what I preach by starting to decrease my Electronic Footprint.  The Heartbleed Bug will mean that we must all go and change all of our passwords and such to get ba…
    - 3 days ago, 22 Apr 14, 5:32am -
  • Inflation Jumps in March 2014
    Thanks to the new Energy Crisis (or energy gouging depending on how you want to look at it), Inflation started to jump in March (year over year) by 1.5%. Specifically Stats Canada points out in their report: The larger year-over-year rise in the CPI…
    - 4 days ago, 21 Apr 14, 6:12am -
  • Easter is Here and a Saturday #BestOf for the Weekend
    Easter is here, the most important festival in the Christian religion (sorry Christmas, without Easter you kind of don’t have Christianity). I haven’t written too much about it this year, but to me this is a time of renewal and restarting things,…
    - 6 days ago, 19 Apr 14, 8:49am -
  • Good Friday
    The Easter season begins today with Good Friday, with that in mind I am going to enjoy this weekend with my family, and will be back on Monday. I have spoken about Good Friday before so I leave you a short excerpt from my Faves page: Personal Financ…
    - 7 days ago, 18 Apr 14, 6:22am -

Where Does All My Money Go

  • Advisors could earn $1 million more over their career by lowering costs for investors
    Question: How much more would a financial advisor earn over their career by dropping product costs for their clients? Answer: Over $1 MILLION Last week I showed how lifetime investing fees could easily top $100,000. That’s an inflation adjusted fi…
    - 23 days ago, 1 Apr 14, 2:52pm -
  • Pensions 101 with @SeanCooperWrite (PODCAST)
    Episode 40 This week’s episode of Mostly Money, Mostly Canadian is now available on iTunes (You have to click through to “view in iTunes”). You can also just use the embedded player or MP3 download down below to listen to it right away (you mu…
    - 29 days ago, 27 Mar 14, 6:47am -
  • Your lifetime investing fees could easily top $100,000
    A reader recently asked me a question about investing fees over a lifetime. I’ll cut to the chase first, but please see below for more colour on this conversation. Q: What would the lifetime cost of investing be for a Canadian who consistently sav…
    - 32 days ago, 23 Mar 14, 6:17pm -
  • More on The Financial Advisors Act of Ontario with @DanHallett (Podcast)
    Episode 39 This week’s episode of Mostly Money, Mostly Canadian is now available on iTunes (You have to click through to “view in iTunes”). You can also just use the embedded player or MP3 download down below to listen to it right away (you mu…
    - 42 days ago, 14 Mar 14, 7:05am -
  • Discussing The Financial Advisors Act of Ontario with @WillBrittonCFP (PODCAST)
    Episode 38 This week’s episode of Mostly Money, Mostly Canadian is now available on iTunes (You have to click through to “view in iTunes”). You can also just use the embedded player or MP3 download down below to listen to it right away (you mu…
    - 49 days ago, 7 Mar 14, 6:00am -

Group Benefits Online

  • Getting Rising Health and Dental Benefit Costs Off the Books
    Similar to defined benefit pension plans, traditional health and dental benefit plans are like an open-ended liability for employers. Providing health and dental benefits to employees has always been costly and it isn’t getting any cheaper – heal…
    - 10 days ago, 15 Apr 14, 1:26am -
  • Outsourcing Pension Risk through Group Annuity Purchases
    Group annuity purchases have been in the headlines a lot lately and rightfully so. Group annuity purchases have always been an option for plan sponsors looking to de-risk their defined benefit pension plan. With many pension plans returning to fully…
    - 38 days ago, 18 Mar 14, 1:34am -
  • De-risking your pension plan
    With private sector pension plans at their healthiest level in over a decade, now could be the right time to consider de-risking your pension plan (defined benefit). Four in 10 defined benefit pension plans – 40 per cent – reached fully funded st…
    - 71 days ago, 12 Feb 14, 11:14pm -
  • Drug Plan Management – What Employers are Saying
    This article was published by in their November 2013 Vol. 9-5 edition Have you ever wondered how your drug benefit plan compares to others? Are you an outlier or within the norms? What issues affect your decisions? Surprisingly…
    - 77 days ago, 6 Feb 14, 2:31pm -
  • Stock Market Historical data
    I like numbers so I don’t shy away fro the fact that I like statistical analysis and data.  As a result, I’ve collected some data on the stock markets that may be interesting to some people. Before I show you the stock market historical data, I…
    - 88 days ago, 27 Jan 14, 12:15am -

Canadian Couch Potato

  • newDo Bonds Still Belong in an RRSP?
    It has long been conventional wisdom that bonds should be held in RRSPs wherever possible, since interest income is fully taxable. Once you run out of contribution room, equities can go in a non-registered account, because Canadian dividends and capi…
    - 13 hours ago, 24 Apr 14, 9:09am -
  • How Low Can ETF Fees Go?
    Less than a month ago, BlackRock aggressively cut the management fees on several of its core ETFs. The boldest move was to slash the fee to just 0.05% on its broad-market Canadian equity fund, the iShares S&P/TSX Capped Composite (XIC). That seemed t…
    - 3 days ago, 22 Apr 14, 6:00am -
  • Ask the Spud: Is My Pension Like a Bond?
    Q: My wife and I have been using the Couch Potato strategy for a few years now, but something has always nagged me. I am fortunate enough to have a defined benefit pension that will pay me $50,000 a year in retirement. Should I consider this the fixe…
    - 11 days ago, 14 Apr 14, 6:00am -
  • Adjusted Cost Base With US-listed ETFs
    Many readers have used our white paper, As Easy as ACB, to learn how to calculate the adjusted cost base of their Canadian ETF holdings. I’ve received several comments and questions from readers who wonder whether the process is the same for US-lis…
    - 15 days ago, 10 Apr 14, 5:33am -
  • Tax Tips for BMO ETF Investors
    Last week I offered some tips for investors who are tracking their adjusted cost base with Vanguard ETFs. In this post I’ll offer similar advice for those who use BMO exchange-traded funds. These tips expand on As Easy as ACB, a paper co-authored w…
    - 18 days ago, 7 Apr 14, 6:00am -

Balance Junkie

  • 3 Ways to Change Your Lifestyle to Save Money
    Many of us, in these tough times, are looking for ways to save money. You might be surprised, however, to discover that you don’t have to make huge changes to get ahead financially. Many of the things that you have ingrained as part of your lifesty…
    - 10 days ago, 15 Apr 14, 4:00am -
  • How to Save Money When Shopping Year-Round
    Many of us are constantly looking for ways to save money when we shop. The good news is that, no matter the time of year, it’s possible to save money when you plan ahead. Think through your purchases, and buy when items are out of season, and you w…
    - 92 days ago, 23 Jan 14, 5:00am -
  • Top 10 Tips for Securing the Best Car Loan for You
    Do you want the best car loan possible? Now is a good time, since interest rates are low, and there are plenty of cars to choose from. Here are 10 tips that can help you get the best deal on a car loan: 1. Shop at the end of the month One of the best…
    - 93 days ago, 22 Jan 14, 5:00am -
  • New Year Investing: Build Your Portfolio
    It’s a brand new year, and that means there are many new opportunities for investing, and improving your finances. If you are looking for a way to revamp your investment portfolio for a new year, here are a few things to consider. Build Your Income…
    - 100 days ago, 15 Jan 14, 5:00am -
  • Why It Stinks to Be a Lawyer
    At some point in your life you probably thought about it: make the big bucks by becoming an attorney. Fancy suits, fine cars, lavish homes. What’s not to love? Well there is an untold story of being a lawyer in the modern world. Here’s the truth…
    - 10 Dec 13, 1:00am -

Boomer & Echo

  • newWeekend Reading: Speed Reading Edition
    Whenever a new personal finance book comes out I’ll typically email the author or publisher and try to get a couple of free copies to review and then give away on this blog.  So many books have come out lately that I have piles of books lying arou…
    - 17 mins ago, 24 Apr 14, 10:02pm -
  • 8 Retirement Mistakes To Avoid
    For many of us retirement means the transition from the day-to-day grind of working to days of leisure, kicking back or puttering around and, best of all, no more schedules or alarm clocks. The other important transition is from the final days of ear…
    - 2 days ago, 22 Apr 14, 9:26pm -
  • Using A Synthetic DRIP To Simplify My Portfolio
    I plan to put my RRSP on auto-pilot over the next few years as I start to run out of unused contribution room.  One of the first steps to simplify my portfolio was to set up a synthetic DRIP or dividend reinvestment plan.  This process allows you t…
    - 4 days ago, 21 Apr 14, 12:04am -
  • Weekend Reading: Rob Carrick Hangout Edition
    We’ve had some awesome guests lately on the Because Money hangout.  If you’re not familiar with the format, we host a video podcast on Google+ Hangouts on Air every Wednesday night at 7:30pm MST (9:30pm EST). Last week we had Rob Carrick on the…
    - 7 days ago, 17 Apr 14, 9:34pm -
  • Leave A Legacy Before The Will Is Read
    If you are fortunate enough to have earned – or inherited – more than you need to live out your definition of the “good life,” you’ll have the opportunity to decide where and how to direct the funds left unspent. It is common to leave an in…
    - 9 days ago, 15 Apr 14, 8:30pm -

Young and Thrifty

  • Should We Turn Student Loans Into Student Grants?
    We've Moved! Update your Reader Now. This feed has moved to: Update your reader now with this changed subscription address to get your latest updates from us.
    - 23 days ago, 2 Apr 14, 7:47am -
  • Luang Prabang on a Low Budget
    We've Moved! Update your Reader Now. This feed has moved to: Update your reader now with this changed subscription address to get your latest updates from us.
    - 25 days ago, 30 Mar 14, 9:27pm -
  • Book Review: The Leader Who Had No Title: A Modern Fable on Real Success in Business and in Life
    We've Moved! Update your Reader Now. This feed has moved to: Update your reader now with this changed subscription address to get your latest updates from us.
    - 30 days ago, 26 Mar 14, 9:02am -
  • Chiang Mai on the Cheap
    We've Moved! Update your Reader Now. This feed has moved to: Update your reader now with this changed subscription address to get your latest updates from us.
    - 32 days ago, 23 Mar 14, 7:30pm -
  • Take Control of Your Tax Bracket – Weekend Ramblings
    We've Moved! Update your Reader Now. This feed has moved to: Update your reader now with this changed subscription address to get your latest updates from us.
    - 34 days ago, 22 Mar 14, 10:08am -

Canadian Tax Resource

  • Year-End Tax Planning For 2013
    Although the end of 2013 is still several weeks away, many income tax planning opportunities for individuals and businesses must be taken care of before the end of the calendar year. This newsletter contains a number of tax planning opportunities tha…
    - 9 Nov 13, 6:00am -
  • Common GST & HST Filing Errors
    As a small business owner, the collection of HST may be seen as a nuisance and for some it may feel as if you are acting as a tax collector. Like it or not, we all have to comply, file and remit the HST we have collected. Whether you complete your HS…
    - 7 Nov 13, 6:00am -
  • Top Bookkeeping Mistakes
    Over my career, I’ve seen a lot of journal entries and I’ve seen what can happen to someone’s livelihood when bookkeeping mistakes are made. The fact is, that one of the most common reasons a business fails is due to poor financial management.…
    - 5 Nov 13, 6:00am -
  • Your Part-Time CFO
    Within any business, the financial controller or chief financial officer’s (CFO) is the top finance role within any organization. Their function is to understand your business’s numbers and provide you with a financial analysis of your business r…
    - 4 Nov 13, 11:28am -
  • A Great Bookkeeping Filing System
    We have all heard of the shoebox accounting system where all of the receipts are put into a box and taken to the accountant or bookkeeper to be sorted and turned into financial statements or a tax return. If you really want to save on professional bo…
    - 17 Sep 13, 7:57am -

Thicken My Wallet

  • Farewell and thank you for reading
    Today is the 735th, and last, post on this blog. It has been an eventful 5 years for the world and I was privileged to blog about it during such interesting times. I wanted to take this opportunity to thank you, the reader, first and foremost. I once…
    - 30 Apr 12, 3:00am -
  • A 5 year retrospective: a conversation with Canadian Capitalist and Preet Banerjee
    I am pleased to be joined by Preet from and Ram from in my second last post. Ram and Preet were gracious enough to take time from their busy schedules to convene a round-table with me to discus…
    - 25 Apr 12, 3:00am -
  • Farewell from Mom2KG
    Our regular columnist, Mom2Kg, says her farewells. I am pleased to offer my sincerest congratulations to Thicken My Wallet for its thoughtful and innovative approach to personal finances and related issues over the last number of years. In particular…
    - 19 Apr 12, 3:00am -
  • Are you ahead of the upcoming trend in personal finance?
    The retirement savings gap, the aging demographic and growing government deficits are all future trends we know and can possibly plan around. What often gets less attention are a societal trends that have personal finance dimensions to them.  With t…
    - 17 Apr 12, 3:00am -
  • To the young worker…
    I hate reading articles about young people entering the work-force. They are paint by numbers articles consisting of the following: Find some grumpy older supervisor to tell stories about how young workers are entitled, lazy and difficult to manage.…
    - 12 Apr 12, 3:00am -

Bank Nerd

  • Your Closing Costs Explained
    There’s a lot more to buying a home than simply signing the Agreement of Purchase and Sale. Not only will you need to put enough money aside for your deposit and down payment, you’ll also want to budget for your closing costs. Many homebuyers mak…
    - 9 May 13, 12:17pm -
  • Scotiabank and American Express – Bringing You Meaningful Travel Faster
    Several months ago I wrote about the new partnership between Scotiabank and American Express, which resulted in Scotiabank launching a suite of three new credit cards. We worked out a partnership with Scotiabank for us to get a trial run with the Sco…
    - 11 Apr 13, 7:43am -
  • The NEW Scotiabank Gold AMEX Experience!
    Almost two months ago, Scotiabank made an announcement that was very exciting for those of us who are passionate about travel – they announced their partnership with American Express and launched three brand new credit cards. The new suite of credi…
    - 5 Dec 12, 12:55pm -
  • Frequently Never Asked Questions for your Travel Medical Insurance
    So, you’re heading on vacation? More than likely you’ve been told to buy travel medical insurance “just in case”. The fact is travel insurance is just as important for you to pack as any item in your luggage. No matter where you’re headed t…
    - 26 Nov 12, 9:51am -
  • Affordable Condos Finally Coming To Vancouver
    Buying a home in one of Canada’s booming real estate markets like Vancouver or Toronto can be depressing. Younger couples and first-time homeowners are likely to find that their options for living in the city just won’t happen. There’s a huge d…
    - 19 Nov 12, 12:29pm -

Investing Thesis

  • Going On Hiatus ….
    As alluded to in an earlier post, this site is will be put on temporary hiatus until further notice. Since its inception, I’ve enjoyed (almost) every second of publishing this blog. Moreover, I’ve cherished and held dear every interaction with an…
    - 15 Mar 11, 8:17pm -
  • Talking Gold Mining In the Democratic Republic of Congo With Michael Cooper, CFA
    Setting aside the current unrest in Libya for a moment, the fact remains that Africa presents a wealth of opportunity and growth for companies and investors. For resource companies in particular, the bounty of riches is there for the taking. Companie…
    - 13 Mar 11, 10:34pm -
  • Canadian Personal Finance & Investing Carnival
    Welcome to the 16th edition of the Canadian Personal Finance & Investing. Before I continue, I wanted to let all of you know that this will be the last Carnival for the near future. I’m hoping to publish one more post before putting Investing Thesi…
    - 27 Feb 11, 9:23pm -
  • An Energy Pick By Portfolio Manager Daniel Cheng of Matco Financial Energy Fund
    Following up on the interview with Daniel Cheng of Matco Financial, I now present one of Daniel’s top picks in the energy sector. Enjoy. Q: Can you tell us a little bit about the company, the economics of the industry/sector and anything else you t…
    - 22 Feb 11, 9:23pm -
  • Bull On Crude Oil, Bear On Natural Gas Is Portfolio Manager Daniel Cheng Of Matco Financial
    This post was included in the Carnival of Money Stories, Totally Money Blog Carnival, Carnival of Wealth and the Canadian Finance Carnival. With the crude contract for March rising by 72 cents to $85.04 U.S. on the back of news claiming a lesser buil…
    - 16 Feb 11, 9:21pm -

Canadian Financial DIY

  • newH&R Block Last Minute Tax Software Giveaway
    It's down to the wire for tax filing. Normally the deadline for filing would be April 30th midnight but the interruption of the Canada Revenue Agency's online filing service NETFILE due to the Heartbleed virus now means the extended deadline is May…
    - 20 hours ago, 24 Apr 14, 1:50am -
  • Good new, bad news: Living even longer than previously expected
    Back in February a Canadian Institute of Actuaries press release told us that as a result of compiling data specifically on Canadians (previously, they had always apparently relied on US data), they discovered that we can all expect to live a couple…
    - 2 days ago, 23 Apr 14, 8:46am -
  • How long in advance to buy air tickets: USA data
    Interesting post on on the best time to buy a US domestic air ticket - but warns answer is different for international flights. Need this stuff for Canada! Their advice - check early and often.
    - 7 days ago, 17 Apr 14, 4:39pm -
  • Why my core Canadian equity ETFs deviate from the norm
    Some years back I switched my core Canadian equity holdings from the norm - the ETF with the largest net assets by far, the iShares S&P / TSX 60 Index ETF (XIU), which is built on the traditional cap-weight principle - to a combination of two non-cap…
    - 9 days ago, 16 Apr 14, 5:00am -
  • Corporate (Large Company) Sustainability Leaders in Canada
    Those interested in finding companies that are highly rated for Corporate Sustainability with an emphasis on aspects that are financially material may want to look at research company RobecoSAM's list of 2014 leaders from around the world, including…
    - 12 days ago, 13 Apr 14, 7:34am -

Today's Economy Blog

  • Understanding life insurance
    Whether term, permanent or universal life, life insurance decisions are important in a holistic financial plan. Don’t be distracted by false choices.
    - 1 day ago, 23 Apr 14, 10:57am -
  • Happy birthday to us: Today’s economy turns five
    Five years ago, the Today’s economy blog launched with a post that posed five burning questions. Are we any closer to answering them?
    - 23 days ago, 2 Apr 14, 9:37am -
  • The case for dollar-cost averaging
    There may be better ways to invest your retirement savings. But dollar-cost averaging is more than just an investment strategy.
    - 29 days ago, 26 Mar 14, 12:23pm -
  • Making saving simple
    Dollar-cost averaging has two advantages: It turns saving into a habit and it keeps you from trying to time the market.
    - 37 days ago, 19 Mar 14, 7:49am -
  • The best stock market lesson we’ve ever learned
    Five years ago this week, Canada’s main stock index hit its post-financial crisis bottom. The smart money stayed invested.
    - 44 days ago, 12 Mar 14, 7:29am -

Canadian Dream: Free at 45

  • newHow Not To Spend Your Tax Refund
    *click* “Oh wow, that’s my account balance?!? I’m pushing almost $10K. I must have got my tax refund.”  That was me a few days ago on the computer. I really do like that feeling of getting my money back from the government.  There is someth…
    - 16 hours ago, 24 Apr 14, 6:47am -
  • Going Small?
    Dave is also looking to retire no later than 45, but unlike Tim has no kids and doesn’t want any. Dave is from Ontario and is working towards his CGA certification. My wife and I are what could be called “Unmotivated Homeowners”. When we bought…
    - 3 days ago, 22 Apr 14, 6:35am -
  • Financial Procrastination
    Dave is also looking to retire no later than 45, but unlike Tim has no kids and doesn’t want any. Dave is from Ontario and is working towards his CGA certification. I will be the first person to admit that when it comes to spending money – even i…
    - 10 days ago, 15 Apr 14, 6:30am -
  • Goodbye Jim
    Out of all the characters in the federal government as the federal Finance minister I spent the most time following what Jim Flaherty did since it was most relevant to this blog.  So I was a bit shocked to find out he was dead after just a few short…
    - 11 days ago, 14 Apr 14, 6:23am -
  • Standing Up, Again
    Yesterday I had a second opportunity to vote  for myself in an election, which trust me that doesn’t get any less weird doing it more than once.  This time I was picked by our local engineering association (APEGS)’s nomination committee to be n…
    - 15 days ago, 10 Apr 14, 6:22am -

Sustainable Personal Finance

  • Basic Emergency Preparedness Tips
    When natural disasters hit, or when extreme weather like the snowfall seen across the Eastern United States is seen, my thoughts turn to emergency preparedness.The proper emergency preparedness steps can help you save money in the long run, since you…
    - 11 days ago, 14 Apr 14, 5:48am -
  • 6 Signs that Your Car is a Rolling Piece of Junk
    How do you know if you’re driving a clunker? If your car’s name includes the words Gremlin or Pacer, stop reading and go buy yourself a new car this minute. You know these cars are bad when Disney calls them out by basing characters called “The…
    - 18 days ago, 7 Apr 14, 10:03am -
  • Is the New Freelance Economy Such a Bad Thing for You?
    One of the trends becoming apparent following the recent global financial crisis and worldwide recession is that the “new economy” is likely to be a freelance economy. Since the economic troubles that swept much of the globe, there has been an in…
    - 29 days ago, 27 Mar 14, 5:30am -
  • Should You Get an Eco Technology Loan?
    Do you have an older home? If you do, you know all of the quirks an older home can have–newspapers stuffed into walls instead of the insulation we use today, old windows that let in drafts and are not energy efficient, sloped floors and crooked doo…
    - 35 days ago, 21 Mar 14, 5:30am -
  • 3 Tips for Eating More Sustainably and Saving Money
    One of the hang-ups that many people have about changing their habits to live more sustainably is that there is sometimes a financial cost. Indeed, boosting your sustainability sometimes means paying a little more up front, and this seems especially…
    - 39 days ago, 17 Mar 14, 5:09am -

The Passive Income Earner

  • 50K Ready To Invest
    I have not inherited or won the lottery if you were curious. I am simply transferring my hard earned money to another account. I have decided to execute a transfer from my other RRSP account to bring it over to my Dividend Portfolio RRSP account. As…
    - 4 days ago, 21 Apr 14, 12:36am -
  • Dividend Income – April 2014
    The spring is here and the markets have started to show how they can drop at a moment’s notice. Did you panic? I hope not. I think it was a moment to rejoice that we had a buying opportunity. I personally did not make any transactions during that…
    - 8 days ago, 17 Apr 14, 9:51am -
  • Financial Literacy Quiz
    Over the past 4 years I have been writing about a number of topics on personal finance and investing to help teach and educate others but also share investing ideas. I do realize that some topics are relatively advanced and many readers are comfortab…
    - 10 days ago, 14 Apr 14, 9:46pm -
  • Best Investment Podcasts
    Over the past year, I switched from listening to the radio in the morning to listening to investment podcasts to keep up with the markets and stay current on some companies. It fills up my ride to work in the morning. In the evening I tend to relax w…
    - 13 days ago, 12 Apr 14, 4:20am -
  • Understanding Currency Hedging
    When investing in US ETFs, you sometimes have the choice of picking a Canadian Hedge version of the ETF versus buying the US ETF directly in US currency. For many ETFs, the option is available and it’s another decision an investor has to make and o…
    - 15 days ago, 10 Apr 14, 8:46am -

Dividend Ninja

  • The Weekly Lineup: YVR Bloggers and John Chow Edition
    Over the last month, I’ve been out to local Meetups, connecting with some of the Vancouver WordPress and blogging groups. When I heard the legendary John Chow would be speaking at the YVR Bloggers Meetup this month, I made sure to sign up right awa…
    - 4 days ago, 20 Apr 14, 12:39pm -
  • The Shift to Late Expansion Sectors
    Written by Donald Dony, author of the a new bull market progresses, there is a normal sequence of economic development. This progression favours certain industry groups at different times.In the late contraction sta…
    - 9 days ago, 16 Apr 14, 9:46am -
  • The Weekly Lineup: Stay on the Path Edition
    "Be Fearful When Others Are Greedy and Greedy When Others Are Fearful."Warren Buffett.Markets continue their march onwards and upwards, and show no signs of taking a break. Everyone knows the Warren Buffett adage "Be greedy when others are fearful.…
    - 19 days ago, 5 Apr 14, 11:27am -
  • REIT Taxation
    The following post is written by Brian So, a financial advisor and blogger at to REITsREITs, also known as Real Estate Investment Trusts, are publicly listed companies that own income-producing real estate. Thei…
    - 39 days ago, 17 Mar 14, 8:30am -
  • Book Giveaway: Confessions of a Professional Blogger
    "Soon, it became clear that blogs themselves - and blog networks - could become profitable businesses. Within a couple of years, blogs evolved from being part of a business to becoming the business."Miranda Marquit.Have you ever thought of startin…
    - 43 days ago, 12 Mar 14, 11:32pm -

Michael James on Money

  • newThe Levels of Personal Financial Competence
    Here I take a 1000-foot view and define levels 0 to 3 of personal financial competence. One of the big things I’ve learned about personal finance since I started writing this blog is the staggering number of people mired in the lower levels.Level…
    - 18 hours ago, 24 Apr 14, 4:30am -
  • Filling out Tax Forms Properly for RRSP Contributions
    Those who make an early start at contributing to their RRSPs for the year are sometimes confused about how to file their income taxes properly. It’s important to fill out Schedule 7 in the correct year.Although TFSAs have blunted the traditional R…
    - 2 days ago, 23 Apr 14, 4:30am -
  • Taking the Gail Vaz-Oxlade Test
    I’ve learned a lot from watching Gail Vaz-Oxlade work with people who manage their money poorly. She understands what they’re doing wrong and knows when they need a hug and when they need to be called morons. However, I find her prescriptions d…
    - 3 days ago, 22 Apr 14, 4:30am -
  • Short Takes: Aging Financial Brain, Buying Nothing, and more
    With Easter upon us, I’ve compiled my short takes a day early. Here are my posts since my last set of short takes:Bad Advice on Retirement Is it OK to Pay Off Your Mortgage before Saving for Retirement? Personal Financial Education Can’t Solve A…
    - 8 days ago, 17 Apr 14, 4:30am -
  • Personal Finance Education Can’t Solve All Problems
    I’m a believer in life-long learning. We’re better off when we take the time to learn what we can about personal finance. However, some people seem to believe that if we just taught personal finance well enough in schools, we’d prevent so man…
    - 9 days ago, 16 Apr 14, 4:30am -

Canadian Mortgage Trends

  • newMortgage Market Share - Q4
    It's been a while since our last lender market share update. In this instalment we've included non-broker channel lenders as well, courtesy of data from David McVay and McVay and...
    - 6 hours ago, 24 Apr 14, 4:38pm -
  • newMortgage Careers of the Week
    Company: True North Mortgage Position Title: Mortgage Agent Years of Experience Required: NA Licences or Registrations Required: Mortgage agent licence Location of Position: Vancouver, British Columbia Applicants may contact: chris.rempel@truenorthmo…
    - 21 hours ago, 24 Apr 14, 1:01am -
  • Pre-Approval Considerations
    Pre-approvals are a funny animal. Home buyers sometimes rely on them too much and lenders sometimes offer them only reluctantly (due to their cost and tendency not to close). This...
    - 3 days ago, 22 Apr 14, 6:25am -
  • B.C.’s New B-20-like Guideline
    In June 2012 Canada’s banking regulator (OSFI) created guideline B-20 to tighten underwriting practices on conventional mortgages. To date, provincially regulated lenders (like credit unions) haven’t been significantly impacted by...
    - 6 days ago, 18 Apr 14, 9:13pm -
  • Rate Chatter
    Some rate-related tidbits from across the market… About Face in Yields: Two weeks ago the 5-year government yield (which leads fixed mortgage rates) was poised to break out to the...
    - 9 days ago, 15 Apr 14, 9:59pm -

Before You Invest

  • newFour time and money-saving tips for a interior house painters
    When painting the interior of a home, it’s easy to ask for professional tips from Toronto painters. While people won’t always notice, it’s annoying for a homeowner who demands perfection from his or her painting job. While true, with these five…
    - 3 hours ago, 24 Apr 14, 7:48pm -
  • 6 Tips for Choosing the Right Car Insurance Coverage
    Before you accept an auto insurance package, it's worth the effort to comparison shop and make sure you aren't missing out on a better deal elsewhere. But what should you be looking for when choosing auto insurance Ontario? Here are just a few criter…
    - 2 days ago, 23 Apr 14, 12:17am -
  • Tips on Obtaining a Pest Control Expert
    Infestations undoubtedly are a severe annoyance that can damage your home and even cause you personal injury. There are numerous forms of insects, this means you will become extremely tough as well as harmful to get rid of these people your self. Thi…
    - 3 days ago, 21 Apr 14, 10:23pm -
  • Effects Regarding Highly Efficient Air Conditioners About The Ecosystem
    Air conditioning unit as well as atmosphere will not usually enhance the other person, especially for this reason appliance's high energy needs to awesome a home. Recently, modern technology provides improved the standard air conditioner, which makes…
    - 3 days ago, 21 Apr 14, 12:28pm -
  • Canada’s Economic Development is Growing up
    The Economy growing in Canada has followed a steady trajectory. Beginning in 2009 and continuing in the past five years, key economic indicators have begun to point upward. New construction and housing starts, manufacture, and infrastructure investme…
    - 5 days ago, 19 Apr 14, 1:12pm -

Give Me Back My Five Bucks!

  • newSpending Recap: April 14-20, 2014
    Monday 14th No Spend Day! Tuesday 15th No Spend Day! Wednesday 16th + $38.88 Great Canadian Rebates $50 gas Thursday 17th No Spend Day! Friday 18th – Las Vegas, NV $18.08 transit Saturday 19th – Las Vegas, NV $31.64 NY NY Rollercoaster Sunday 20t…
    - 19 hours ago, 24 Apr 14, 3:00am -
  • Customer service in Las Vegas
    Our long weekend trip to Las Vegas was great. Between hiking in Red Rock Canyon, taking in a Cirque show, gambling and drinking on the strip, and lounging by the pool, I think we did just about everything we wanted to do. And while all of those exper…
    - 2 days ago, 23 Apr 14, 3:25am -
  • A review of the FitBit Flex
    Well, I was going to wait another week until I posted my review of theFitBit Flex, but I think after 10+ days of continuous use, I can give you my first impressions about the device. :) I’ve been wanting to get some sort of fitness tracker for a wh…
    - 7 days ago, 18 Apr 14, 3:00am -
  • Spending Recap: April 7-13, 2014
    Monday 7th $20 birthday present Tuesday 8th No Spend Day! Wednesday 9th $112.44 FitBit Flex Thursday 10th No Spend Day! Friday 11th $5.68 Menchie’s Saturday 12th $15.70 Craft Beer Market $15.44 groceries Sunday 13th $21.24 London Drugs $14.46 Noodl…
    - 9 days ago, 16 Apr 14, 3:00am -
  • 75 days later
    I haven’t gone on a run since January 26th. That was 75 days ago. This is probably the longest I’ve gone without running. Sure, at least a couple times each week over the last month, I’ve gone walking for over an hour. But that’s not exactly…
    - 13 days ago, 11 Apr 14, 10:50am -

Invest It Wisely

  • Saving Tax Dollars with the Principal Residence Deduction
     Canadians get a big break when we sell our homes. Complaining about taxes is almost a sport in Canada, especially when we look to our U.S. neighbours for comparisons. But there are some areas in which we actually win the tax race, and one of these…
    - 38 days ago, 18 Mar 14, 6:41am -
  • How Does the Property Market Affect the Stock Market?
    There are so many things that affect the stock market, some of which may be obvious, while others are not quite so visible.  Typically, any movement in oil prices, inflation rates, employment rates or interest rates will affect the stock market. Add…
    - 4 Oct 13, 8:32am -
  • Limit the Daily Stresses of Trading by Minimizing Risk
    Trading can be a highly stressful environment and it is one that is fraught with risk. Many people earn substantial amounts through trading, but there are numerous risks too. Unfortunately, it is impossible to completely eliminate these risks but, th…
    - 28 Sep 13, 12:46pm -
  • How to Ensure a Great Real Estate Investment
    This is a guest post written by Juliana Weiss-Roessler. Buying real estate can be a risky endeavor, but if you do your research and invest wisely, it can really pay off in the long run. Buying a stable property and renting it out can give you a good…
    - 4 Sep 13, 8:46am -
  • Historical Litigation: Patent Wars Throughout History
    One could be forgiven for presuming that patent wars have reached their peak in 21st century super-technology disputes, commonly referred to as “the smart phone wars”. However, a historical examination of patent wars reveals a very different, and…
    - 19 Aug 13, 8:55am -

Beating The Index

  • NXT Energy Solutions: How Big OIL Exploration Can Save Hundreds of Millions In Exploration
    Every year the oil and gas industry flushes billions of dollars down unsuccessful and incredibly expensive exploration wells.  The cost of a single exploration well these days can exceed $100 million. That’s on top of the money spent on seismic da…
    - 46 days ago, 10 Mar 14, 6:49am -
  • High North Resources: Montney Oil Junior Hits the Ground Running
    High North is in the enviable position of having a small share float, a large land position in a proven oil play and a low-risk multi-year drilling inventory with over 150 locations. Better yet, it recently drilled 2 successful oil wells that are e…
    - 49 days ago, 6 Mar 14, 12:15pm -
  • Taipan Resources: Hunting Elephants in Kenya
    The East African Rift Basin system is one of the last of the great rift basins to be explored. It was only in 2012 that Tullow and Africa Oil struck first oil in Kenya. It transformed Africa Oil into a multi-billion dollar company as the stock price…
    - 56 days ago, 27 Feb 14, 6:39pm -
  • Commercial Oil Production within reach for Africa Hydrocarbons & Dualex Energy?
    The “fruit flies” have finally showed up but it took longer than expected! The first time I bought DXE & NFK was back in April where I mentioned the part about the fruit flies: “In the near term, I don’t expect the share price to go anywhere…
    - 11 Oct 13, 10:45am -
  • War on Syria May Trigger Oil Shock and Global Economic Collapse
    I still remember quite well the oil shock we witnessed in 2008; oil hit a record of $147 per barrel and quickly tumbled back down as the economy collapsed. The way events are moving these days, chances are we are about to witness a larger oil shock t…
    - 3 Sep 13, 3:15pm -

The Moneygardener

  • can a cash advance loan be paid back quickly?
    A cash advance loan – money you borrow from a payday loan provider, based on your next paycheck – can be either a very useful or potentially destructive tool. Millions of people who work hard at their jobs use cash advances in order to cover unpl…
    - 28 Jun 12, 7:45am -
  • Need Cash for Your Business? Consider a Merchant Cash Advance
    Whether your small business is a start-up or fairly well established there will come a time when an infusion of cash is necessary. Maybe you want to do a big marketing push, or maybe equipment needs to be upgraded. Whatever the reason, as a small bus…
    - 3 Jan 12, 2:41pm -
  • Who Are the most Profitable Customers?
    Who Are the Most Profitable Customers?If you are looking to grow and sustain your business, it will help you to know who your most profitable customers are. Identifying which customers are worth the most to your business is important, as it allows yo…
    - 20 Dec 11, 10:15am -
  • starting / growing a very young business
    Wow!  I have just completed the largest challenge that I have ever faced in life and it has been exhilarating!Planning a business venture and then actually starting and operating the business for 6 months is quite a ride.  Ups and downs have been t…
    - 2 Nov 11, 4:23pm -
  • Cheap Insurance Coverage & the Importance for your Family in Saving Money
    Today, with the rising costs of food, fuel, and other of life's necessities, families are struggling to maintain their household budgets. For this reason, saving money on insurance coverage you need has become essential. When families find ways to cu…
    - 25 Jun 11, 12:50pm -

Andrew Hallam

  • High School Personal Finance Classes: Are They Really Useless?
      Studies show that high school personal finance classes have no effect on adult spending and investing patterns.   I published my thoughts on the topic with Assetbuilder:  Read the Full Article
    - 10 days ago, 15 Apr 14, 2:55am -
  • Does International Financial Services (Singapore) Flog Friends Provident Products?
    It’s getting tougher for expatriates to trust financial advisors—and that’s a shame.  Some good ones exist, including Noto Financial Services and Thailand-based Creveling & Creveling.  But they’re not as common as they should be.  Reports…
    - 18 days ago, 7 Apr 14, 12:08am -
  • Manulife’s Funds Versus Index Funds
    I’m continuing my Globe and Mail series, comparing Canada’s actively managed fund companies’ products versus inexpensive index funds.   Based on personal emails, I’m popular among regular people.   But Canada’s mutual fund companies see m…
    - 19 days ago, 5 Apr 14, 11:11am -
  • Offshore Pension Investor Does The Impossible
    Image courtesy of We know that advisors love selling offshore pensions to expatriates.  And why wouldn’t they?  Commissions pay a killing.  Purchasing such leaky buckets is much like a sentence term.  There’s no bailing out—unle…
    - 43 days ago, 12 Mar 14, 10:15pm -
  • The Surprising Truth About CIBC’s Best Mutual Funds
    It’s easy to imagine CIBC’s financial advisors recommending their firm’s actively managed funds.  They charge higher fees than their indexed, passively managed products.  Higher fund costs are better for banks, but not for investors.  That s…
    - 44 days ago, 12 Mar 14, 2:01am -

Riscario Insider

    Related: Find out about the next courseThis year, I’ve been focusing on my health by eating better sleeping earlier exercising moreThe big challenge is exercise. Good intentions haven’t translated into ongoing habits,Intentions vs ActionsVisit…
    - 2 days ago, 22 Apr 14, 1:57pm -
    Advisors have an opportunity to build trust by creating content. If consistent. If allowed. Some advisors are forced to erase their digital tapestries (or at least portions).Here’s an email from an advisor we’ll call Heidi Hiding (not the real na…
    - 4 days ago, 20 Apr 14, 2:21pm -
    Here’s another request for career advice.Hello Promod! I’m a first year student currently enrolled in the Mathematics and Statistics Co-op program at the University of Toronto. I am willing to become an actuary in the future and have no personal…
    - 18 days ago, 6 Apr 14, 5:36pm -
    Insurance companies make mistakes which cut into their profits. This is called underpricing and happens more often than you might expect. Sometimes assumptions prove wrong and other times matching the competition causes the trouble. Can the insurer c…
    - 25 days ago, 30 Mar 14, 4:29pm -
    If I had a million dollars, well, I’d buy you an exotic pet. Yep, like a llama or an emu. — Barenaked LadiesIf you had a billion dollars, you could buy a whole zoo. Or $201 million of life insurance. That record-breaking purchase happened in Cali…
    - 32 days ago, 23 Mar 14, 12:38pm -

My University Money

  • Why University is the Perfect Time and Place to Reinvent Yourself
    Are you familiar with the concept of reinventing yourself? It’s a common idea when you get to a rough spot in life. The idea is to change certain important behaviors, with the expectation that those changes lead to a better life. When you are a uni…
    - 2 days ago, 23 Apr 14, 7:30am -
  • MMFBT 020 – What To Consider If You’ve Considering University
    We’re very pleased to welcome back to the podcast Dr. Ken Coates from the University of Saskatchewan.  This is our first time inviting a guest to join us for a second time and the reasoning behind the bro-mance is because I think so highly of the…
    - 4 days ago, 20 Apr 14, 7:30pm -
  • Not Sure What to Do After Graduation? Try Freelancing
    Lots of students graduate from university, still not 100% sure what it is they want to do career-wise. Sometimes you have early success, and the first job that you take then defines the career path that you will follow. Many other times however, the…
    - 9 days ago, 16 Apr 14, 8:26am -
  • MMFBT 019 – Doug Hoyes – Can Bankruptcy Erase Student Debt?

    - 11 days ago, 13 Apr 14, 7:30pm -
  • How your Minor Can Land You A Job
    A minor course of study could well be the most underrated university activity. But with the job market becoming tighter and more specialized, you may find that a solid minor can land you a job. It may be that extra dimension that makes your resume an…
    - 14 days ago, 10 Apr 14, 11:08am -

Canadian Personal Finance

  • How Video Content Is Revolutionizing Learning
    Presented by KZO Business Video Platform
    - 13 days ago, 11 Apr 14, 9:08pm -
  • Enjoying a Responsible Gaming Environment
    I am not a gambler, nor do I advocate gambling. I am a realist and I understand that so many adults enjoy not just gambling but gaming and other activities. I watched the movie Runner, Runner (it was a free rental at our resort in Hawaii), that share…
    - 58 days ago, 25 Feb 14, 9:10pm -
  • Canadians to be affected by government financial changes as of April 2016
    Federal payments by direct deposit are coming your way! When you consider that it costs approximately 83 cents for the federal government to issue payments by cheque and around 11 cents for direct deposit, you can understand the Government’s decisi…
    - 73 days ago, 10 Feb 14, 1:09pm -
  • Five Best Ways To Get Extra Mileage Out Of Your Car Lease
    For a growing number of drivers, leasing a vehicle is becoming a more popular choice than car ownership thanks to the affordable rates and low up-front costs. Getting more for your monthly payment is a huge benefit of a lease, although it doesn’t p…
    - 87 days ago, 27 Jan 14, 8:35pm -
  • Income Protection Insurance: A Smart Move for Everybody
    With the recent trends in economic activities, financial uncertainties have become one of the predominant concerns of most people. Whether you are a single, a breadwinner or one who has a family on his own, it is always a smart move to ensure alterna…
    - 87 days ago, 27 Jan 14, 8:31pm -

Thirty Six Months

  • Make Family Vacations Easier with a Southwest Rapid Rewards Card
    Vacations are a great way for families to reconnect and take a break from the hectic pace of everyday life; however, these trips can be a bit costly. One of the best ways to save money on travel is to use a rewards credit card: Earning points that ca…
    - 4 days ago, 21 Apr 14, 9:37am -
  • PayPal Makes It Easy to Not Carry A Wallet Anymore
    There are very few luxuries that I have a hard time giving up- my Starbucks Canada App is one of them. Not only does it make is easy for me to track all my points (I’m a Gold Card member after all), but I don’t have to carry my wallet, or change…
    - 11 days ago, 14 Apr 14, 9:42am -
  • 4 Jobs That Will Propel Your Finance Career
    Do you have what it takes for a successful finance career? The applicant pool is unfortunately large while the job pool is often small. That doesn’t mean you can’t find happiness in the career of your dreams, however.  The following four jobs ar…
    - 11 days ago, 14 Apr 14, 8:35am -
  • Let’s do your taxes ( A Giveaway)
    Ah, taxes! It’s one thing to  pack all of our receipts and T4’s and head to an accountant, and completely other thing if you tackle doing them yourself. Perhaps it’s the personal finance nerd in me, but I find doing taxes exciting! Don’t…
    - 37 days ago, 19 Mar 14, 2:17am -
  • Tips for Choosing the Right Running Shoes
    Have you run so much that you have just worn through your old running shoes? Whether you run in marathons, train for local 5Ks or just jog to stay in shape, no shoes are going to last forever. You do not want to keep running in the same pair for too…
    - 66 days ago, 18 Feb 14, 7:30am -

How To Save Money

  • My New Credit Card Has A $700 Annual Fee. Am I Crazy?!
    Last week I told you how I got a $400 DSLR camera essentially free, which is a deal I think anyone would jump on given the chance. Today I’m doing an about face by breaking the news that I just signed up for a credit card with a $700 annual fee!…
    - 3 days ago, 22 Apr 14, 6:00am -
  • How I Got A $400 Canon DSLR Camera Practically Free
    I've said it time and time again: Shoppers Optimum is hands down the best Canadian rewards program because you can consistently get massive reward value without spending a fortune while simply buying things you normally would anyway. Those sentimen…
    - 10 days ago, 15 Apr 14, 6:00am -
  • It's Back: $100 In FREE Gift Cards And Up To 5% Cash Back On Gas & Groceries!
    Over a year ago, I wrote about a very lucrative deal where people could get a $100 gift card to one of four well known Canadian stores and restaurants simply by signing up for one of the best no fee cash back credit cards available to Canadians. It…
    - 11 days ago, 14 Apr 14, 6:00am -
  • A Complete Guide To Price Matching In Canada
    When my first child was born, my wife and I agreed that a digital camera with video recording capabilities was in order; we wanted to be those parents who post embarrassing home videos of their kid on Youtube. I did some research and settled on a C…
    - 17 days ago, 8 Apr 14, 6:00am -
  • Missed The RRSP Deadline? Why It May Not Matter
    The deadline to make a contribution to your RRSP for the 2013 tax year has come and gone. What’s that? You forgot to make your contribution? What if I told you it might not matter?While I believe very strongly that everyone who has the means t…
    - 24 days ago, 31 Mar 14, 4:15pm -

My Own Advisor

  • newWeekend Reading – Decent service in Vegas, insurance challenges and more

    - 5 hours ago, 24 Apr 14, 5:40pm -
  • How to spend your tax refund wisely
    A great day has arrived; your tax refund is here!   Good on you, because you took advantage of tax credits, you contributed more money to your Registered Retirement Savings Plan (RRSP) and you claimed the GST/HST rebate this year. Now the vexing qu…
    - 1 day ago, 23 Apr 14, 5:41pm -
  • 25 ways to be a cheapass
    I suppose I could have named this list-post 25 ways to save more money but cheapass sounds much better.  Add your favourite ways to be a cheapass in a comment below or Tweet me. Turn off lights when you leave a room. Walk or bike as much as you can.…
    - 2 days ago, 22 Apr 14, 4:02pm -
  • Alternatives to some pricy monthly income funds
    After this blogpost on my site, you can retire comfortably with less than $1 million in the bank, a few readers seemed a bit shocked by the money management fees charged by monthly income funds referenced in Gary’s article: “Interesting “wake-u…
    - 4 days ago, 21 Apr 14, 6:17am -
  • Weekend Reading – Exiting the rat race, tax deadline reminders and more
    Welcome to your Easter Weekend Reading roundup where I share some of my favourite articles from the week that was.  Over the last month there were almost 70,000 pageviews on this site, a record.  Thanks for making My Own Advisor one of your favour…
    - 7 days ago, 17 Apr 14, 5:51pm -

Montreal Financial

  • 5 Income Tax Tips from the Trenches
    It is the time of year when many accountants and tax preparers live, breathe, eat and sleep taxes (leaving very little time to write about them!).  And while much of it is routine, there are numerous issues that arise, the treatment for which is…
    - 11 days ago, 13 Apr 14, 7:05pm -
  • What Small Business Owners need to know about Tax Filing Deadlines for 2014
    One of the responsibilities of being a small business owner requires having to submit a variety of tax declarations by specific deadlines or face consequences that involve penalties, interest and if left long enough, aggressive letters from Revenu…
    - 78 days ago, 5 Feb 14, 4:30pm -
  • 9 Year End Tax Planning Tips for Small Business Owners
    As the end of the year draws nigh, it is time for business owners everywhere to start contemplating some end of year tax planning tips to not only ensure that they can maximize their tax deductions and reduce taxes payable, but to streamline the t…
    - 27 Nov 13, 3:56pm -
  • What to Do When your Tax Obligations are Overdue
    Small business owners have the added responsibility of ensuring that they are aware of, and comply with, a variety of tax obligations.  For some, this can be somewhat overwhelming, resulting in an accumulation of government notices, assessments,…
    - 4 Sep 13, 11:23am -
  • Consider These Financial and Tax Implications When Buying a Home
    The Canadian real estate market has been a good place to invest in recent years, although comparisons to the US real estate bubble, which finally culminated in 2008, are continuing to intensify. Potential homeowners often find themselves seduced b…
    - 19 Jul 13, 1:20pm -

Financial Uproar

  • newMy Mutual Fund With a 2.46% MER is a Great Investment
    Hey everyone, Nelson here. Mostly because of my laziness, we have a fancy new staff writer. And it’s Vanessa, the girl from everyone’s favorite blog named after herself, Vanessa’s Money. We are also, uh, good friends (WITH BENEFITS!) so be nice…
    - 16 hours ago, 24 Apr 14, 6:00am -
  • Are Solar Stocks Attractive?
    We have out first reader question, and I mean ever. This is not a call in blog. (Just kidding. I’m happy to answer your questions. Use the contact me tab at the top of the page.) This one is about solar stocks. Hey Nelson, been reading your blog fo…
    - 1 day ago, 23 Apr 14, 2:10pm -
  • Wealth Means Money. That’s It.
    There are many things people say that I don’t care for. Here is an incomplete list: Money doesn’t buy happiness. My emergency fund is fully funded! Dividend growth investing is where it’s at! I’m going to buy a condo in Toronto. And finally:…
    - 3 days ago, 22 Apr 14, 9:59am -
  • Tuition Should Go Up, Not Down
    Politically, in Canada, whenever somebody with a little bit of power heads out to talk to young’ins, the topic of university tuition inevitably comes up. Youth generally don’t have a whole lot of expenses other than tuition and booze, so it’s a…
    - 3 days ago, 21 Apr 14, 11:21am -
  • Sunday Morning Dump: Investing In Coke
    I touched on this a couple of weeks ago when I ragged on Coke’s excessive executive compensation plan, but I really think investing in Coke is pretty much the epitome of what’s wrong with the retail investor. I see the same arguments thrown out t…
    - 4 days ago, 20 Apr 14, 11:22am -

Finance Fox

  • Managing Your Money Through a Homemade Budget Binder
    Remember when journals were popular? Not even ten years ago, every kid had a journal. It was like a secret friend that we disguised, vented and shared everything with. The journal was also a place where one can talk about their good days and bad days…
    - 25 Nov 13, 12:54pm -
  • Choosing a Credit Card Carefully
    There are some products and services that you need to put some elbow grease into shopping around for. Think of the most important purchases you have made in the last few years. Are there any you would do differently if you had a second chance? When i…
    - 11 Nov 13, 1:44pm -
  • The Key to Cutting Costs by Going Online
    There is no denying the internet has revolutionized the way we do almost everything and how it can help us with cutting costs, but have you considered that it also offers you the opportunity to save in a variety of different ways? Whether you are run…
    - 6 Nov 13, 8:34am -
  • Savvy The Five Biggest Debt Traps and How to Avoid Them
    Not all debt is created equal. All debt carries a certain level of risk, but some credit decisions have a much greater likelihood of bringing upon negative repercussions. The average person can put himself or herself in a healthier financial state si…
    - 22 Oct 13, 4:48pm -
  • Top Life Investments That Are Commonly Over Looked
    There are many types of life investments that are worth trying in order to help with your personal finances and future plans. However, keeping an uplifting positive attitude is not enough to attain good returns from an investment in the short term. W…
    - 22 Oct 13, 4:02pm -

Mother Miser

  • Chocolate Chip Cookies
    Every mom should have a good chocolate chip recipe. Baking them with your children will create memories they will cherish even as adults. If you are looking to save time, mix a double batch of the dough, roll half into … Continue reading →
    - 9 Aug 12, 4:00am -
  • The Debate: To Rent or to Own
    Ever since I can remember, my parents (and most of their generational peers) have been determined to buy a house, pay off their mortgage and own a piece of property outright. Ownership, for them, is the definition of financial stability … Continue…
    - 6 Aug 12, 4:00am -
  • Can’t afford it? What have you got to trade?
    Has there ever been a luxury that you simply could not afford? I imagine that is the case for most of us. Otherwise, why are you reading this blog? I have found that if you want something badly enough, you … Continue reading →
    - 2 Aug 12, 4:00am -
  • Saving Ideas from a Former Nanny
    I have often heard people say that they are going to wait to have enough money before having kids, hmm? What is enough? While having children does involve expense, it does not have to be excessive. Thinking back on my … Continue reading →
    - 30 Jul 12, 4:00am -
  • Moroccan Couscous with Saffron
    Although I am not a vegetarian nor a vegan, I have discovered some delicious recipes in Alicia Silverstone’s cookbook The Kind Diet. Here is one that I have made often and that I rely on because you can make a … Continue reading →
    - 28 Jul 12, 4:00am -

Modest Money

  • newIs College Still a Wise Investment?
    The following is a guest post about investment. If interested in submitting a guest post please read my guest post policy and then contact me. With prices of higher education skyrocketing by about 1000% since 1976 and greatly outpacing inflation rate…
    - 15 hours ago, 24 Apr 14, 7:00am -
  • Prosper Review – For Borrowers
    We’ve been taking a close look at several different apps for quite a while now. A few months ago, we did a detailed review of Prosper, but noticed that there was something wrong. Prosper has two sides; it’s designed for both investors and for bor…
    - 2 days ago, 23 Apr 14, 7:00am -
  • Choosing A Visa Card Design
    The following is a guest post about visa card design. If interested in submitting a guest post please read my guest post policy and then contact me. Who wants a boring debit card? Say goodbye to the dull standard versions issued by your bank. With a…
    - 3 days ago, 22 Apr 14, 7:00am -
  • Some Digital Services to Make Your Account Safe
    The following is a guest post about account security. If interested in submitting a guest post please read my guest post policy and then contact me. Can you remember the last time you changed your password or added a new risk management tools to your…
    - 4 days ago, 21 Apr 14, 8:00am -
  • Financially Preparing To Become a Small Business Owner
    Being modest with your money doesn’t just mean you spend less, look for deals, and maintain good credit; it goes far beyond that. Most of our readers aren’t just looking for credit score tips. You guys are coming up with side hustles, starting we…
    - 4 days ago, 21 Apr 14, 7:00am -

Mo' Money Mo' Houses

  • The Most Cheapskate Things I’ve Ever Done
    When I started my first full-time job after graduating university, I had hardly any money to my name. I desperately wanted to start saving up as much as I could to start a nest egg, and looking back some of the things I did to save money may have bee…
    - 2 days ago, 23 Apr 14, 4:00am -
  • My Buffalo, New York Trip & Budget Breakdown
    I’m back from my Buffalo, New York trip and man was it good to get away! My HB and I had only planned on staying one night, but hotel was really nice and since we had an extra day because of the long weekend, we decided stay both Friday and Saturd…
    - 4 days ago, 21 Apr 14, 5:00am -
  • Blog Love – Celebrating Easter in Buffalo, NY
    Happy Easter weekend everyone! Instead of moping around because this is yet another holiday that my HB and I aren’t able to spend with family, we’ve decided to get the heck out of town for a bit! Nothing too crazy, just a trip across the border…
    - 7 days ago, 18 Apr 14, 4:00am -
  • Why I’m Glad I Didn’t Grow Up Rich
    I know it sounds strange, but I’m glad I didn’t grow up rich. Sure, I probably would have had more opportunities and wouldn’t have had to worry about things like student loans or paying rent, but all in all I don’t think I would have been as…
    - 11 days ago, 14 Apr 14, 5:00am -
  • Blog Love – My Work Out Plan for Spring
    I did my first work out video last night since before I got married (so about a year ago), and man am I sore! Aside from waking up like a 100-year old this morning, I realized that working out, even if it’s only a few times a week, is something I r…
    - 14 days ago, 11 Apr 14, 4:00am -

The Loonie Bin

  • Dividend Income Update: March 2014
    One of my favourite things about March 2014 is… the fact  that it is over! Ok, that’s not entirely true! My favourite part of March 2014 was getting paid money for doing absolutely nothing. There’s no pyramid scheme or crappy products I ha…
    - 18 days ago, 6 Apr 14, 11:00pm -
  • Retirement Wake Up Call
    I was directed to a magazine article recently by a family member in a which a woman wrote in asking if they had enough to retire in a year at age 60. I don’t want to include too much information because I don’t want to get sued, but the couple st…
    - 23 days ago, 1 Apr 14, 11:38pm -
  • Loonie Bin’s Guide To Saving For A House
    Owning a home is undoubtedly the biggest investment that the average person will ever make in their lifetime. I remember the first time I went to the bank to see how much of a mortgage I was approved for; not exactly my finest financial moment ever.…
    - 43 days ago, 12 Mar 14, 11:15am -
  • Dividend Income Update: February 2014
    I can’t believe it’s March; has it been FIVE months of winter already?! Here’s hoping for an early Spring this year. Well if I can’t look forward to warmer weather, at least I can look forward to another dividend income update. Before I get i…
    - 49 days ago, 6 Mar 14, 10:19pm -

Earth and Money

  • Self-Sustainability
    I think that many would agree with the statement, “This world is facing some large uncertainties in the near future.” Obviously that’s a pretty general statement, but who could disagree? Take a look at the debt of our surrounding countries? ……
    - 15 Aug 13, 10:20am -
  • Reduced Carbon Emissions Rewarded With Low Car Insurance Rates
    In the present day, many of the decisions that affect Canadian society are pitted in a fight between what’s best for the economy, and what’s best for the environment.  Partisan politics sadly drive a wedge between these two issues rather … Con…
    - 7 Jul 13, 6:34pm -
  • Do Energy Efficient Light Bulbs Save You Money?
    A few years ago, energy efficient light bulbs flooded the market and everyone jumped in line to buy them and save money. I wasn’t so sure though. It was clear that this ‘technology breakthrough’ cost more per bulb than the … Continue reading…
    - 20 May 13, 7:02pm -
  • What is an Enhanced Annuity?
    Are you nearing retirement? Have you been wondering what your options are? You might not know it, but there are many more options to your retirement than your retirement savings. Sure, this investment may have done you well for the … Continue readi…
    - 19 May 13, 6:14am -
  • How to Reduce Kitchen Waste
    Have you ever thrown away food because it was spoiled or past its expiration date? We have all done this at some point in our lives, but it may happen more often than you think. Did you know that Americans … Continue reading →
    - 23 Apr 13, 4:09am -

She Thinks I'm Cheap!

  • The Twitter IPO – Worth The Risk?
    In a Tweet today, Twitter announced its intent to go public with an IPO. This day has been coming for a long time, now the scrutiny of the company will really begin. According to some estimates, the company will be valued between $15 and $20 billion…
    - 12 Sep 13, 5:00pm -
  • Apple iPhone 5S – Innovative or Incremental Update?
    The 5S, Apple’s newest phone was unveiled today with much excitement and fanfair like past events. With the company’s share price down significantly from past highs and competition stiff, the 5S needs to be well received in order to put the compa…
    - 10 Sep 13, 4:10pm -
  • 9 Great Financial Blog Posts & A Free Giveaway
    Now that the summer is winding down (so sad!) I can concentrate a little more on blogging and honing my writing skills. I’ve been thinking about writing a book lately so I can share a lot of information all in one place rather than one post at a ti…
    - 9 Sep 13, 4:00am -
  • True Money Stories Giveaway – $200 in Cash!
    Now that everyone is back from their summer holidays, it’s time for another giveaway from She Thinks I’m Cheap! I ran a $50 giveaway back in December with excellent results so now it’s time for another one. The topic this time is True Money Sto…
    - 4 Sep 13, 4:00am -
  • How To Figure Out If A Home Is A Good Investment
    We’ve all been told that a home is a great investment but it can be difficult to quantify how good it really is. To answer this question, we need to ask ourselves a few more: How does a property perform compared to the stock market? How does a hous…
    - 20 Aug 13, 5:00am -

In Search of Salt

  • Nearly Everything I Learned About Investing I Learned From My Father, Revisited
    Happy belated Father’s Day to all the Dad’s out there. This is an older post that I have edited, expanded, and added to. My father is not an investor or “bank guy” by any means. But thinking back upon childhood … Continue reading →
    - 21 Jun 11, 9:44pm -
  • Dirty Marketing

    - 13 Jun 11, 7:21pm -
  • A 50% Service Fee!?
    Consider this to be a “What not to do” lesson in personal finance. I’m usually pretty much on the ball when it comes to our finances. But recently I had a slip-up that cost us 50% in fees. We have … Continue reading →
    - 9 May 11, 11:34pm -
  • Smells Like Shoe Polish
    My friend and flatmate in my 4th year of university was a geology student. His department had given him some tickets for a dinner and lecture on geology at some geological club in Toronto. Always interested to learn about something … Continue readi…
    - 23 Mar 11, 12:42am -
  • Earthquakes, Tsunamis and Meltdowns
      I’d like to say thank you to all who have emailed to make sure that my family and I are safe. I thank you. We appreciate it a lot. Luckily, the quake had no direct effect on us, as … Continue reading →
    - 13 Mar 11, 5:11am -

Blonde on a Budget

  • What I Love and Hate About Living in Greater Vancouver
    To commemorate my first year of living in Greater Vancouver, I decided to write down everything I love and hate about it. Since I'm a fan of starting with the negatives first and moving onto the positives, we'll start with the thing I hate the most..…
    - 2 days ago, 23 Apr 14, 5:00am -
  • TGIF: It’s Going to Be a Wet One
    So the long weekend will be a soggy one, but I'm secretly (or not so secretly) ok with that. Truth be told, I love the rain. I think you have to, in order to survive on the West Coast. It's not fun to go out in...
    - 7 days ago, 18 Apr 14, 5:00am -
  • Eat Better, Feel Even Better
    When I talk about listening to my body, I mean paying attention to how I feel at all times - especially how I feel after eating certain foods. It's obviously not a secret that I have a few pounds I'd like to shed, but my concerns go beyond that...
    - 9 days ago, 16 Apr 14, 5:00am -
  • TGIF: Going Green + The Launch of Tangerine
    To stay sane, I've been trying to do a better job of listening to my body. After three weeks of eating takeout, I happily packed fruit and a salad for lunch every day. I've also been juicing like crazy, avoiding dairy and cutting way back on sugar...
    - 14 days ago, 11 Apr 14, 5:00am -
  • Do Better, Feel Better
    A few weeks ago, I mentioned that my focus here was going to shift slightly when I got back from all of my trips. I didn't mean to hype that up at all; it's just something I've been thinking about a lot lately, and I know that now is the right time t…
    - 16 days ago, 9 Apr 14, 5:00am -


  • Everything You Need To Know about Credit Card Balance Transfers
    A credit card balance transfer is the relocation of money owed from one credit card account to another. Credit card companies offer balance transfers as a way to entice new clients. Used appropriately by consumers, balance transfers can provide a ……
    - 22 Oct 13, 1:42pm -
  • Do Stay at Home Moms Need Life Insurance?
    A Homemaker might not receive an income but is nearly irreplaceable. Think of all the things a Stay-at-home Mom does; you can’t even hire a nanny to work seven days a week! A Stay-at-home Mom is much more than …        Related StoriesWha…
    - 9 Aug 13, 9:48am -
  • Conducting a Midyear Financial Review
    With the Summer in full swing and the midpoint of the calendar right behind us, you should have ideally completed your personal finance review already (or at least be giving it some thought). The hour or two it takes to …        Related St…
    - 2 Aug 13, 7:55am -
  • What Should Your Retirement Plan Look Like?
    We enjoy bringing you all sorts of retirement tools, tips, and ideas. We know that you're working diligently and preparing so that you can enjoy your retirement years without stressing about the bills. You worked hard your whole life. You deserve t…
    - 11 Jun 13, 2:08pm -
  • The Importance of Insurance on Your Retirement

    - 14 May 13, 11:08am -

Canadian Accountant Tips

  • My almost free air and hotel booking for upcoming Miami trip
    English: no original description (Photo credit: Wikipedia)I love to travel.  But sometimes trip costs can be expensive.  But who does not like to getaway during winter for few days.Thanks to Amex Canada.  I was able to use the points earned from A…
    - 95 days ago, 19 Jan 14, 12:58pm -
  • Great Travel Site for Air Travel Booking

    - 20 Jun 13, 9:45pm -
  • Online Shopping for clothes
    I used to shop at Amazonand Chaptersfor books and other things. But I my sister does most of her clothes shopping and her kids shopping online. Recently I started online purchasing for clothes at Land’s end.  Initially I was bit nervous about size…
    - 18 Mar 13, 7:30am -
  • CRA treated you unfairly – What is your option?
    Spring = Tax Headache (Photo credit: Canadian Pacific)Have you ever had a situation where CRA treated you unfairly?  Dealing with CRA can be very intimidating experience and you did not know that you had another option for better resolution. It is T…
    - 23 Jan 13, 8:00am -
  • RRSP contribution refund calculator 2012
    The refund one would get will depend on the marginal tax rate of that person. But it is not a simple answer as the marginal tax rate will go down when your income less. Therefore you may get less refund. Here is a calculatorby Ernest & Young that can…
    - 15 Jan 13, 7:30am -

The Blunt Bean Counter

  • Confessions of a Tax Accountant -2014- Week 4
    This year I am going to end my confessions series a week early. I am doing this for two reasons. Firstly, to be honest, I have not found much to write about that I have not already discussed in prior income tax seasons (other than the T1135 fiasco…
    - 4 days ago, 21 Apr 14, 4:30am -
  • Confessions of a Tax Accountant -2014- Week 3
    Traditionally, I have the largest intake of personal income tax returns the second week of April and this year was no different. This influx in returns is because clients feel they have received all their T-slips and they can finally provide me a…
    - 11 days ago, 14 Apr 14, 4:30am -
  • Confessions of a Tax Accountant -2014- Week 2
    This week I finally got rolling and I reviewed several income tax returns. A few issues arose from these reviews which I discuss today. The first issue is an often overlooked medical expense. The second issue, a matter I have discussed before, is how…
    - 18 days ago, 7 Apr 14, 5:30am -
  • Retirement Planning Spreadsheet
    I often receive insightful and enlightening comments from my readers. I received one such comment in respect of Part 6 of my series on “How Much Money do I Need to Retire? Heck if I Know or Anyone Else Does!". When you read the comment (reproduced…
    - 23 days ago, 2 Apr 14, 4:30am -
  • Confessions of a Tax Accountant -2014 -Week 1
    For each income tax season since 2011, I have published a series of posts called Confessions of a Tax Accountant. These posts highlight contentious and/or interesting personal income tax issues that arise in my practice during income tax season. T…
    - 25 days ago, 31 Mar 14, 4:30am -

The Investment Blog

Recommended Broker

  • Stock Market: 50% down by the end of 2014
    Such warnings come always during a time when things look just fine. Often nothing dramatic happens. But sometimes markets do get shaken up for a while. This time even the name of Warren Buffet is used to add validity to…Read more →
    - 3 days ago, 22 Apr 14, 8:27am -
  • End of housing boom will be costly, Scotiabank warns
    The outsized gains that Canada’s economy has enjoyed on the back of the housing market can’t continue as a real estate slowdown may already be underway, one of Canada’s big banks warned Wednesday. Most mainstream economists today are of the…R…
    - 3 days ago, 21 Apr 14, 4:27pm -
  • Saskatchewan farmland values jumped 29% in 2013
    Farmland values are increasing rapidly across Western Canada, but nowhere as fast as in Saskatchewan, a report from Farm Credit Canada says. Saskatchewan farmland values jumped 29% in 2013 Related PostsFarmland: Up 20% in one year Farmland is getting…
    - 6 days ago, 18 Apr 14, 3:41pm -
  • Bitcoin exchange Mt. Gox heads for liquidation
    The Mt. Gox bitcoin exchange in Tokyo is headed for liquidation after a court rejected its bankruptcy protection application. Bitcoin exchange Mt. Gox heads for liquidation Related PostsBitcoin Exchange Mt. Gox Files for Bankruptcy Bitcoin: Be prepar…
    - 8 days ago, 17 Apr 14, 7:59am -
  • Low interest rates come with high cost for savers, retirees
    While overleveraged homeowners, and those eager to join them, worry when record low borrowing rates will come to an end, savers on the other end of the spectrum are anxious to see yields get back to more normal levels. Canadian…Read more →
    - 8 days ago, 17 Apr 14, 7:56am -

Rewards Cards Canada

  • Comparing Travel Rewards Cards
    Some people are shocked to learn that the “free” flight they book with travel points isn’t exactly free after all. Fees, taxes, and fuel surcharges can add up when you book through programs like Air Miles or Aeroplan. That’s what I discussed…
    - 1 day ago, 23 Apr 14, 9:01pm -
  • Spring Cleaning? Don’t Forget Your Wallet
    The Polar Vortex is (finally) retreating, and it’s time for Canadians to turn their focus to starting spring on a fresh foot. For many, that means clearing out stuffy closets, cluttered home offices or sprucing up the lawn – but don’t forget to…
    - 6 days ago, 18 Apr 14, 12:10pm -
  • No, Prepaid Cards Are Not A Good Alternative To Credit Cards
    Prepaid cards are like debit cards but they have their own set of rules and restrictions.  They are marketed toward students and low-income earners with a history of poor credit as an alternative to traditional bank accounts and credit cards. On the…
    - 9 days ago, 16 Apr 14, 10:19am -
  • So You’re Ready To Dump Aeroplan: Now What?
    Disgruntled Aeroplan customers – now is the perfect time to shop for a new travel rewards card.  Several banks and credit card companies have spent the better part of a year revamping their travel programs to vie for space in your wallet. CIBC and…
    - 22 days ago, 2 Apr 14, 9:25pm -
  • Why Aeroplan Collectors Are Fed Up With Their Rewards Program
    I’ve received dozens of emails from readers who are upset with the way Aeroplan rewards are calculated and the amount of fees and taxes they pay for flight redemptions. Many find the fees almost wipe out the reward, and they also wonder why the fee…
    - 36 days ago, 19 Mar 14, 11:13am -

Canadian Mortgage Advisor

  • Home buyers mortgage choices – in pictures
    The result of a survey conducted by CIBC are presented here in charts. The overall home buyers preference may have nothing to do with individual situations. Each situation is different and should be treated on their own merits.The post Home buyers m…
    - 2 days ago, 22 Apr 14, 10:54pm -
  • Provincial Regulators are considering stricter regulations for CU’s
    Apart from banks there are many financial institutions that can provide a borrower with a mortgage. Credit Unions are non-bank lenders. Credit Unions are provincially regulated. A list of Credit Unions operating in Ontario can be obtained from here.…
    - 3 days ago, 21 Apr 14, 4:38pm -
  • Best Practices for a Mortgage Insurer – Introduced by OSFI
    Almost two years ago, OSFI introduced the idea of Residential Mortgage Underwriting for the lenders. It promised that there will be one for the insurer too. Now it has delivered on that promise. In its new B-21 guideline it has outlined the expectati…
    - 8 days ago, 16 Apr 14, 11:32pm -
  • Bank of Canada maintains the target interest rate at 1%
    Bank of Canada today announced that it will maintain the key interest rate at 1% till first week of June. The bank expects that the economic conditions will improve in near future and slowly inflation will head North. For now housing is still in a ve…
    - 8 days ago, 16 Apr 14, 10:05pm -
  • Interest rates – are they really going up?
    The post Interest rates – are they really going up? appeared first on Canadian Mortgage Advisor.
    - 11 days ago, 13 Apr 14, 9:39pm -


  • Tim Hortons increases caffeine content in coffee by 35% - or do they?
    Tim Hortons increases caffeine content in coffee by 35% - or do they?Two years ago I wrote a post dispelling a number of myths regarding the caffeine content in coffee and a few other drinks. Know your Coffee - Caffeine Content. It was a moderately s…
    - 5 days ago, 19 Apr 14, 11:23pm -
  • April 2014 Net Worth Update +0.48%
    Another stagnant month with not much happening to any of my numbers. In the last few months I've tried to reduce some of my fixed bills and while I've been successful in doing so, it hasn't resulted in much of a difference in the end as you can see.…
    - 16 days ago, 8 Apr 14, 9:51pm -
  • March 2014 Net Worth Update +4.03%
    Another excellent past month for my investments as the markets are at or near their all time highs. It's pleasing to see your investments climb higher but at the same time it also makes your future purchases more expensive. I still have $4,500 left o…
    - 54 days ago, 1 Mar 14, 1:58pm -
  • Feb 2014 Net Worth Update +6.02% - $40k Milestone
    Well it took me longer than I expected but I finally reached the $40k net worth mark this month. I would have hit it months ago if it weren't for my trip to Asia and a couple other large expenses incurred last year. Hopefully the gains will accelerat…
    - 81 days ago, 2 Feb 14, 2:04pm -
  • 2013 Year in Review / Goals for 2014
    Happy 2014 and welcome to my 2013 Year in Review. 2013 was without a doubt the most challenging year of my life. To start off on a very personal note, over the year I began to learn what life would be like from now on without a mother and it is not a…
    - 5 Jan 14, 6:22pm -