The Globe And Mail

Financial Post

Rob Carrick

Gail Vaz-Oxlade

  • newGPS Your Financial Plan
    Imagine that your best friend has invited you to stay at her cottage. She tells you it’s “up north”. That’s it, no more info. That’s how most people treat the management of their money. The destination is vague and they have no idea what di…
    - 18 hours ago 5 Oct 15, 1:28am -
  • Simplification
    I know several people who have recently taken steps to simplify their lives by reducing the amount of stuff they do or by getting rid of a lot of the stuff they have. I have also simplified, mostly in terms of the amount of things I pack into a singl…
    - 4 days ago 2 Oct 15, 1:15am -
  • This & That: Great Questions Edition
    K Wrote: I have a cousin who’s in need of some financial help. He is 19; living with his parents, doesn’t have a car, and is not attending any sort of college or university. Because of this, he has no debt, but at the same time he doesn’t reall…
    - 5 days ago 1 Oct 15, 1:38am -
  • Gail’s Curried Chicken Salad  
    Curry powder is actually a mixture of spices that delivers a whack of flavor. Typically cumin, cardamom, coriander, turmeric and dry mustard are the basic ingredients. Every region has it’s own version of curry, and the flavours can vary dramatical…
    - 6 days ago 30 Sep 15, 1:49am -
  • Laughter
    I love to laugh. Sometimes I’m criticized for my loud guffaws. But more often people tell me they love my laugh. They say it’s infectious. Remember that Mary Poppins song, “I love to laugh,” that’s could be my anthem. And I love to hear oth…
    - 7 days ago 29 Sep 15, 1:44am -

Million Dollar Journey

  • newThe Best Free Grocery Credit Card? The PC Financial World Elite MasterCard!
    Since the beginning of this blog, I have written about credit cards.  As a general rule, I stick with credit cards that do not change an annual fee, but offer the best bang for your buck.  For example, the best free cash back credit card in Canada…
    - 14 hours ago 5 Oct 15, 5:30am -
  • Letter to My Wife – How our Finances Work
    Its not uncommon for families to have a designated money person.  Some families may have one spouse who takes care of the bills, while the other takes care of the investments.  In other cases, it may be completely one sided with one spouse taking…
    - 9 days ago 27 Sep 15, 5:30am -
  • Net Worth Update September 2015 – SmilingSaver (Digging out of Debt)
    Welcome to the Million Dollar Journey September 2015 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Sm…
    - 15 days ago 21 Sep 15, 5:30am -
  • Family Vacations, Loyalty Programs, Leveraged Investing, Stock Market Correction, and more!
    Is it better to give a grandchild cash as an inheritance or take them on a family vacation when still possible? Will the experience be etched in memory and provide a better bonding platform? The Best of The Blunt Bean Counter – A Family Vacation- A…
    - 18 days ago 18 Sep 15, 5:30am -
  • My Mortgage is Paid Off – Now What?
    Conventional wisdom to building wealth is to get a mortgage, buy a house, save some money, and retire in your 60’s with your colleagues.  However, not all of us are willing to follow the norm. Some of us, like many readers of this blog, want to b…
    - 22 days ago 14 Sep 15, 5:30am -

Canadian Capitalist

Canadian Finance Blog

  • newHow to Develop Better Money Habits
    Rather than regularly setting unobtainable and vague goals on New Years Day or your birthday, it makes more sense to develop better money habits that can help you create a lifestyle that includes improved finances for the long term. You don’t have…
    - 13 hours ago 5 Oct 15, 6:00am -
  • Really Want to Save Money? Pay Yourself First
    You’ve probably heard this phrase before: “Pay yourself first.” Many people say they’ll save whatever money is left over at the end of the month. Essentially, they agree to pay themselves what’s left. As you probably know, the problem with…
    - 8 days ago 28 Sep 15, 6:00am -
  • National Do Not Call List & Do Not Contact Service
    Tired of all the phone calls and junk mail trying to sell products and services you don’t want? Many of us hate the idea of being contacted by those who are just trying to get our money. It’s possible that junk mail and marketing phone calls onl…
    - 22 days ago 14 Sep 15, 6:00am -
  • Do You Have a Money Philosophy?
    One of the biggest problems that many people have with managing their money is keeping their efforts in line with their interests and values. Too many people mindlessly spend their money, without thinking about how their choices fit in with the grand…
    - 36 days ago 31 Aug 15, 6:00am -
  • What Are the Risks of Leveraged Investing?
    One of the ways that some people choose to make more money investing is to do so with leverage. This can be one way to boost your overall returns. However, you do need to be careful, though. Not only can leveraged investing magnify your gains, but i…
    - 43 days ago 24 Aug 15, 6:00am -

Money Smarts Blog

  • Cutting the Cord – Living Without Cable TV
    After a multi-year hiatus, Mr. Cheap has returned to blogging at Posting on topics from investing to careers to arguing with Mike to frugal living such as this post. Network television and cable TV generally strikes me a…
    - 57 days ago 10 Aug 15, 4:00am -
  • 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%…
    - 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 -

Retire Happy Blog

  • Investing during volatile times
    Unless you have been living under a rock these past few weeks you have noticed the major swings in the equity markets. If it isn’t the news about Greece, it was the slump in oil prices or the economic slowdown worries of China. You can list more to…
    - 5 days ago 30 Sep 15, 11:35am -
  • How does you financial purpose affect your life?
    “Without a clearly defined purpose, we are just a haphazard combination of goals and non-goals, actions and non-actions meandering through space and time.” – Brad Klontz If you’ve read my posts before you might have picked up on the fact that…
    - 8 days ago 28 Sep 15, 12:10am -
  • Is Debt Inevitable?
    “Debt is like any other trap; easy enough to get into but hard enough to get out of.” – Henry Wheeler Shaw The question of debt is one that intrigues, frustrates and irritates me. Since the early 1980s when credit cards were first introduced, o…
    - 11 days ago 24 Sep 15, 11:33pm -
  • 3 Important Pension Plan Changes for BC Members
    Similar to Alberta and Nova Scotia, B.C. is modernizing its outdated pension legislation. B.C. pension plan members will see a number of improvements, including immediate vesting and unlocking of small pensions. The new rules come into effect Septemb…
    - 13 days ago 22 Sep 15, 11:06am -
  • Don’t finance your car loans for 8 years
    I’ve been looking to replace my 8 year old minivan and I am amazed at the number of financing options available when it comes to buying a car, especially a new one.  Over 25 years ago when I was looking to buy my first real car, I was coached by m…
    - 14 days ago 21 Sep 15, 12:12pm -


Financial Highway

  • Getting the most from your charitable donations
    Canadians are known to be generous when it comes to charity, 84% gave last year according to a recent BMO poll. Giving means you are helping a worthy cause and you can receive a tax receipt for your donation for tax savings. Though recent studies sho…
    - 1 Dec 14, 3:00am -
  • How I Used Credit Cards and Loyalty Rewards to Save More than 50% on My Last Vacation
    I’m not much of a penny pincher. When it comes to the grand scheme of things, I’m more interested in enjoying myself, and getting the best bang for my buck than in getting something as cheaply as possible. But that doesn’t mean I don’t go for…
    - 3 Nov 14, 3:00am -
  • 5 Tips for Discussing Money with Your Life Partner
    We’re always told that money should be something that is regarded without emotion. When we make decisions about money, we are supposed to be rational so that we don’t make poor choices. Unfortunately, money stirs strong emotions in us. It’s ver…
    - 27 Oct 14, 4:00am -
  • 5 Tips for Improving Your Credit After Making a Big Mistake
    Most of us have made mistakes with our money. But what happens when you make a big, credit-destroying mistake? And it doesn’t even have to be a massive mistake like those that result in foreclosure or bankruptcy. Simply overlooking a utility bill w…
    - 20 Oct 14, 5:00am -
  • Getting Your Money Game Right
    While some people manage their money impeccably, most of us are dropping the ball to some degree. Often times, it doesn’t have a serious impact, and we could just stand to be a bit better with our savings or budget a bit more tightly. For those of…
    - 15 Oct 14, 5:00am -

The Financial Blogger

  • Gone… Reading…
    It’s been quite a while since I wrote something on TFB. I was gone… reading the Why Café, a great book that I devoured in a single day. I won’t talk about the book, I’ll let you find it and read it. You will understand a little better after…
    - 12 Sep 14, 7:19am -
  • The Least Satisfactory Tax Return of my Life
      Last year, I decided to stop procrastinating with my tax return and completed everything in March. I was happily surprised to see how fast I got my tax refund back! I decided to do the same thing this year and I already cashed in my tax refund las…
    - 8 May 14, 4:49am -
  • Another Look at Leveraging
      A long time ago on this blog, I wrote several posts about the Smith Manœuvre. This was a very popular concept a few years ago. More precisely, before 2008.   The Smith Manoeuvre was born in Western Canada when several households decided to conve…
    - 6 May 14, 4:40am -
  • How Much Do You Need To Live Comfortably?
        Last year, I went through all kinds of questioning about my budget, future, job and online company. I really needed to put down on paper how much I needed to live and create a comprehensive budget.   Doing this exercise was great not only to f…
    - 30 Apr 14, 4:52am -
  • March Monthly Income Report -58%
        Reporting your income online is always a two sided sword. This month, I have to face publicly the fact that my sites’ earnings tanked. Part of it is due to the fact that I was on vacation, but still, it shows how hectic a side-business income…
    - 28 Apr 14, 6:57am -

Canajun Finances

  • Greed and Tweets for the Week
    At the end of most of the problems in this world you really can just point to greed (yes an over simplification at first glance, but not in my opinion). The root of all evil is not money, the root of all evil is greed, plain and simple. To quote some…
    - 1 day ago 4 Oct 15, 11:04am -
  • An Older Canada, Farewell Max, and #MoneyStories
    For those who didn’t see the info from Stats Canada in their daily report: Canada’s population estimates: Age and sex, July 1, 2015, there are now officially more Seniors in Canada than Children. To quote the report directly: For the first time,…
    - 4 days ago 2 Oct 15, 6:01am -
  • Direct Deposit Enrolment for Government Benefits
    Here is a quick Tuesday update to remind you that Government Cheques will be going away very soon (April 2016), and you can easily sign up for direct deposit, if you can remember your on-line banking. How hard is it? Let’s just walk through it for…
    - 6 days ago 29 Sep 15, 7:32am -
  • What Twits are Talking About Money ?
    Plenty of news on the twitter wire on the election front, but another fun week of interesting money related tweets on the Twitter Machine (remember I am there as @bigcajunman ) and maybe some other social media as well! With the new economy how will…
    - 8 days ago 27 Sep 15, 9:40am -
  • The Pope, Autumn, Elections, Volkswagen and #MoneyStories
    I have never been a big fan of the Catholic Church and specifically the power of the Pope, but I must admit that this new Pope is making me rethink my low view of the Papacy. The riches at the center of Vatican City has always been a stumbling block…
    - 11 days ago 25 Sep 15, 5:59am -

Where Does All My Money Go

Group Benefits Online

  • Investing during volatile times
    Unless you have been living under a rock these past few weeks you have noticed the major swings in the equity markets. If it isn’t the news about Greece, it was the slump in oil prices or the economic slowdown worries of China. You can list more to…
    - 5 days ago 30 Sep 15, 11:35am -
  • How does you financial purpose affect your life?
    “Without a clearly defined purpose, we are just a haphazard combination of goals and non-goals, actions and non-actions meandering through space and time.” – Brad Klontz If you’ve read my posts before you might have picked up on the fact that…
    - 8 days ago 28 Sep 15, 12:10am -
  • Is Debt Inevitable?
    “Debt is like any other trap; easy enough to get into but hard enough to get out of.” – Henry Wheeler Shaw The question of debt is one that intrigues, frustrates and irritates me. Since the early 1980s when credit cards were first introduced, o…
    - 11 days ago 24 Sep 15, 11:33pm -
  • 3 Important Pension Plan Changes for BC Members
    Similar to Alberta and Nova Scotia, B.C. is modernizing its outdated pension legislation. B.C. pension plan members will see a number of improvements, including immediate vesting and unlocking of small pensions. The new rules come into effect Septemb…
    - 13 days ago 22 Sep 15, 11:06am -
  • Don’t finance your car loans for 8 years
    I’ve been looking to replace my 8 year old minivan and I am amazed at the number of financing options available when it comes to buying a car, especially a new one.  Over 25 years ago when I was looking to buy my first real car, I was coached by m…
    - 14 days ago 21 Sep 15, 12:12pm -

Canadian Couch Potato

  • The ETF Volume You Can’t Hear
    Most investors prefer using ETFs that are bought and sold frequently. Although thinly traded ETFs are not always less liquid, experienced investors will tell you that they do tend to have wider bid-ask spreads. A healthy trading volume also suggests…
    - 23 days ago 12 Sep 15, 12:46pm -
  • Is a Pullback Really a Buying Opportunity?
    The Canadian, US and international markets all fell more than 5% last week, the sharpest weekly drop we’ve seen in almost four years. Then on August 24, global markets plunged even further. If you were waiting for a pullback to give you a buying op…
    - 42 days ago 24 Aug 15, 8:12am -
  • It’s Better With Beta
    The title of Larry Swedroe’s latest book, The Incredible Shrinking Alpha, raises a question: what happened to the idea that skilled managers can consistently beat the market? In a recent interview with Swedroe, we discussed the idea that this abili…
    - 52 days ago 14 Aug 15, 2:42pm -
  • Is Beating the Market Harder Than Ever?
    Is beating the market harder than it’s ever been? Larry Swedroe thinks so, and he lays out his case in his newest book, The Incredible Shrinking Alpha.PWL Capital has just published a custom edition of the book, with a foreword I co-wrote with my…
    - 62 days ago 4 Aug 15, 7:51am -
  • Ask the Spud: My ETF Is Shutting Down
    Q: I received a notice that an ETF I own will be closed within the next few months. Is it better to sell it now or wait until the termination date? – S.H.ETFs are now available for just about every niche sector and exotic asset class, so it should…
    - 70 days ago 27 Jul 15, 7:47am -

Balance Junkie

  • How to Start Saving for Your Child’s Education
    With tuition costs on the rise, you may understandably be feeling a bit nervous about the prospect of paying your child’s way through school. However, if you want to give your child the tools that he or she needs to be successful later on in life,…
    - 27 May 15, 2:00am -
  • 4 Considerations for the Beginning Forex Trader
    One of the investing trends that has been gaining traction in recent years is forex trading. The idea of trading currencies is attractive, since it provides an interesting (and potentially lucrative) alternative to other types of investing. However,…
    - 15 Sep 14, 2:00am -
  • Banking on Your Mobile Phone
    Whether you are running your business or personal finances, you can now handle all of your banking needs directly on your mobile phone. While the advancement of technology in smartphones has made nearly every aspect of life easier, banking needs have…
    - 11 Sep 14, 8:00am -
  • What You Need To Know About Online Trading Platforms
    When using online trading platforms, first things first: understanding how they can benefit you and your pocket book. The online version of trading (often called discount brokers for their reduced trading fees) is very different from a traditional br…
    - 29 Aug 14, 3:00am -
  • 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…
    - 15 Apr 14, 4:00am -

Boomer & Echo

  • newThe Worst Financial Advice Ever Given To Millennials
    It’s okay to spend money on life’s indulgences once in a while. If a daily latte or weekly visit to the spa floats your boat, I say go for it. When you design your budget around the things that are important to you – while cutting out the thin…
    - 20 hours ago 4 Oct 15, 11:31pm -
  • Weekend Reading: Succession Planning Edition
    Earlier this week, Million Dollar Journey blogger Frugal Trader wrote a letter to his wife explaining how their finances work in case he passes away and she needs to succeed him as the household CFO. It’s an interesting topic, and one that former…
    - 2 days ago 3 Oct 15, 10:00am -
  • Understanding Your Retirement Benefits: Part 3 – Private Pension Plans
    According to Statistics Canada, in 2012 38.4 percent of employees were enrolled in a Registered Pension Plan. The most common types of pension plans are defined benefit (DB) and defined contribution (DC). Of those employees, 71.5 percent were in a de…
    - 4 days ago 1 Oct 15, 2:00pm -
  • Wealthsimple: An Easy, Yet Sophisticated Way To Invest
    I started investing at 19 without really understanding what I was doing. A bank advisor set me up with a portfolio of mutual funds, and for several years I paid a handsome fee for what amounted to underperforming investments and little-to-no advice.…
    - 6 days ago 29 Sep 15, 2:12pm -
  • Don’t Invest In GICs, Unless You’re One Of These Investors
    GICs get a bad rap in today’s low interest rate environment, but when stock markets are reeling, like they were this summer, investors often seek save havens to wait out the storm. Cash is king for those who don’t have the stomach to watch their…
    - 8 days ago 27 Sep 15, 9:45pm -

Young and Thrifty

  • Have the Money Talk Before the Marriage Talk
    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.
    - 26 days ago 9 Sep 15, 7:33am -
  • September 2015 net worth update (-0.6%)
    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.
    - 29 days ago 6 Sep 15, 7:30pm -
  • The Commonalities Between Physical Fitness and Personal Finance
    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.
    - 33 days ago 2 Sep 15, 7:48am -
  • WARNING: Falling Knives and Raging Bears!
    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.
    - 36 days ago 30 Aug 15, 7:54pm -
  • Youngandthrifty’s Investment Owner’s Contract
    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.
    - 40 days ago 26 Aug 15, 10:44am -

Canadian Tax Resource

  • Job Loss And Retirement Pension Options
    If you have lost your job or retired, you may need to make some decisions about your retirement pension. Should you take the pension from the employer and which version? Should you take the lump-sum payment? What are the annuity options? Up and above…
    - 9 Dec 14, 9:51am -
  • 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 -

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

  • SIPA's Can't-Lose Investment Contest
    Unlike so many investment schemes out there in the real world, here's a chance to make real money with no risk of loss. How? - Create a video and enter the contest being sponsored by the Smaill Investor Protection Association. The $3000 first prize i…
    - 52 days ago 14 Aug 15, 12:53pm -
  • No Hype, The Straight Goods on Investing Your Money, 3rd edition, by Gail Bebee
    Short, simple, straightforward and sensible. That's No Hype in a nutshell. As an entry level book specifically for Canadians, it covers all the key financial products, services, principles and issues. There's not a huge difference with previous editi…
    - 26 May 15, 2:05am -
  • CFP Financial Planning Ethics Commitment or Not?
    The Financial Planning Standards Council of Canada lays out the expected ethics of the best-known and most-common certification for financial planners in Canada, the Certified Financial Planner (CFP).The FPSC's Definitions Standards and Competencies…
    - 23 May 15, 5:44pm -
  • Financial Industry Culture of Illegal and Unethical Behaviour Getting Worse not Better
    The Street, The Bull and The Crisis, a new survey of people working in financial services in the USA and the UK tells us the mind-numbing news that instead of getting better following the financial crisis, the attitude that doing illegal or unethical…
    - 19 May 15, 4:39pm -
  • Canada Pension Plan vs RRSP - Which is the better investment?
    Not that we have any choice, since there is no way to opt out of the Canada Pension Plan, but suppose we could. Would it be better to invest in an RRSP? What kind of return would we need to achieve to beat the CPP? AssumptionsCPP: A 65 year old recei…
    - 18 May 15, 7:58am -

Today's Economy Blog

  • Generation Y is too pessimistic for its own good
    Millennials are the age group most likely to be very pessimistic about their personal finances and the Canadian economy in general.
    - 5 days ago 30 Sep 15, 7:49am -
  • What do Boomers and Gen Y have most in common?
    Both generations are struggling with their next big step – one into retirement, the other into the workforce. The parallels are remarkable.
    - 20 days ago 16 Sep 15, 6:44am -
  • The stupid economy
    This new recession is the most important issue facing Canadian voters. And there are clear, well-considered choices available.
    - 34 days ago 2 Sep 15, 6:52am -
  • Dramatic drop in Chinese yuan
    Just weeks after shutting down its stock market to halt a sudden drop in share prices, China appears to have engineered a devaluation of its currency.
    - 47 days ago 19 Aug 15, 9:57am -
  • The commodity super cycle is over
    Economic growth in developing countries like China and India drove commodity prices up around the world. Until recently.
    - 61 days ago 5 Aug 15, 8:40am -

Canadian Dream: Free at 45

  • Tax, We Pay No Stinking Tax
    Of course the title of this post is misleading…of course I pay some tax right now…actually a LOT of tax when you get right down to it. Overall the number shifts around but in the end we pay about 20% income tax after using ever tax credit and ded…
    - 5 days ago 30 Sep 15, 12:22pm -
  • Stop Blaming the Rich
    Okay, are you sick of this never ending federal election campaign in Canada?  Goodness knows I am already.  Yet perhaps the single thing that is pissing me off the most during this campaign is the idea of ‘let’s blame the rich’ theme. Or real…
    - 14 days ago 22 Sep 15, 7:20am -
  • The Waiting Game
    I was thinking about something the other day that I had trouble putting into words, but now after considering it for a while I’ll take a stab at it.  If you were to ask me what is the hardest part of working to early retirement? I would typically…
    - 19 days ago 16 Sep 15, 1:03pm -
  • Your Performance Review Isn’t Fair
    I was talking with a co-worker the other day about my company’s performance review system and they were venting about some of the problems with it.  I pointed out in fact the entire system was structurally unfair, so why bother getting upset about…
    - 24 days ago 11 Sep 15, 12:09pm -
  • Nothing is Ok
    So I’ve been sick the last few days around the house and I realized something important.  Being sick is one of the few times I give myself permission to do nothing in a day.  No objects, no goals, and nothing that feels much like work at all.  I…
    - 25 days ago 10 Sep 15, 1:46pm -

Sustainable Personal Finance

  • newWhat is a Shareholder Annual Meeting Like?
    Have you ever attended the annual shareholder meeting for a stock you own? Chances are you have not. Attendance at meetings has dwindled over the years. Some speculate that it is because most shares are now held by institutions. Individual shareholde…
    - 13 hours ago 5 Oct 15, 6:02am -
  • Should You Buy Life Insurance For Your Kids?
    I have a friend with five children under the age of 16. That poor guy.Because he’s a good dad, he wants to make sure his kids are well cared for. So each month he tries to put aside a little for their future education, stashing what he can spare in…
    - 9 days ago 27 Sep 15, 6:26am -
  • How to juggle life, school, and work without going crazy
    Welcome to the wonderful world of college, where life will either be carefree smooth sailing or a nightmarish struggle to keep on top of half a dozen assignments while chugging hourly espressos to keep your eyes open after that night shift and consta…
    - 12 days ago 23 Sep 15, 5:20pm -
  • Career Advice: 3 Good Reasons To Study Computers
    Investing in a career related to computer technology and the Internet is completely worth it.There are many options available for college students. A Bachelor’s degree in computer technology can prepare you for any number of careers.Here are a few…
    - 13 days ago 22 Sep 15, 6:17pm -
  • Teaching Passive Income to Gain Financial Independence
    Most of us today understand the need to save for our retirements. The vast majority cannot depend on someone else footing the bill once we quit our day jobs. Yet few seem to tie the earning of passive income to retirement savings. Saving for retireme…
    - 22 days ago 14 Sep 15, 6:19am -

Dividend Ninja

  • Public Perception Fuels Economic Trends
    Economic analysts use a number of metrics to determine the health of financial markets. Depending upon the area investigated, the data includes spending trends, outstanding debt, import/export balance and a host of variables specific to various econo…
    - 16 Apr 15, 8:36pm -
  • Four Key Dividend Metrics You Need to Know
    This article was published in the May 2014 edition of the Canadian MoneySaver, and is posted here with permission. For more information visit Although dividend investing can seem overwhelming and complicated, it really does…
    - 14 May 14, 11:00am -
  • The Weekly Lineup: CMS Webinar, Top Blogs, and $500 Cash Giveaway
    First off, I wanted to thank everyone who attended the webinar last Tuesday, with the Dividend Ninja (that's me) and Peter Hodson. There were a few technical glitches, but I hope you found value in the webinar. Most importantly, I hope you enjoyed it…
    - 10 May 14, 12:21pm -
  • 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…
    - 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.…
    - 5 Apr 14, 11:27am -

Michael James on Money

  • Irrationally Yours
    I love reading Dan Ariely’s blog where he answers reader questions about human behaviour. His answers are very entertaining in addition to giving insight into our irrational responses and giving us ways to compensate for our irrationality. Ariely…
    - 8 days ago 28 Sep 15, 4:30am -
  • Short Takes: Blunt Bean Counter Book, ETF Trading Volume, and more
    Here are my posts for the past two weeks:Reader Question: Leveraged ETFs The Little Book of Common Sense Investing Personal Finance Election Issues Here are some short takes and some weekend reading:The Blunt Bean Counter, our favourite accountant, h…
    - 11 days ago 25 Sep 15, 4:30am -
  • Personal Finance Election Issues
    Recently, Mark Seed at My Own Advisor called on Canadians to turn three personal finance issues into election issues. It certainly makes sense to take personal finance policies into account when you vote. Unfortunately, I mostly disagree with Mark…
    - 11 days ago 24 Sep 15, 8:16am -
  • The Little Book of Common Sense Investing
    The average return earned by stock investors (before expenses) must exactly equal the average return of the stock market. This is the “humble arithmetic” founder of Vanguard, John Bogle, writes about in The Little Book of Common Sense Investing.…
    - 15 days ago 21 Sep 15, 4:30am -
  • Reader Question: Leveraged ETFs
    A reader, J.H. asks the following thoughtful question about leveraged ETFs (edited for length):I am familiar with the decay factor of leveraged ETFs over the long term. However, it seems that using 50% cash, 50% 2X ETF, rebalanced say annually, mirro…
    - 21 days ago 15 Sep 15, 4:30am -

Canadian Mortgage Trends

  • newMeridian CU Keeps VRMs Interesting
    Numerous lenders trimmed their variable-rate discounts last week, lifting rates anywhere from 5 to 15 basis points. Higher short-term funding costs are largely to blame. Have a look at this chart of 12-month bankers’ acceptances (BAs), which rough…
    - 10 hours ago 5 Oct 15, 9:38am -
  • CanWise Financial
    Company: CanWise Financial Position: Mortgage Agent Location: Vancouver, BC Mortgage Agent Years of Experience Required: 2 years Interested candidates may contact: Job Description CanWise Financial is looking for an experienc…
    - 3 days ago 2 Oct 15, 8:57am -
  • NBC Status Program Redone
    National Bank of Canada (NBC) has once again revamped its broker status program. It’s become an annual ritual at the bank, it seems. This year, we got more good to go with less bad, which was a nice change from recent years. Here’s what’s to…
    - 5 days ago 30 Sep 15, 9:52pm -
  • Bozic & Jette Join the Mortgage Hall of Fame
    Literally hundreds and hundreds of people have contributed to positively shaping our mortgage industry. Yet, only 38 have been installed in the Mortgage Hall of Fame to date. This exclusive group will soon be joined by two more industry pioneers…
    - 6 days ago 29 Sep 15, 2:31pm -
  • SafeBridge Financial Group
    Company: SafeBridge Financial Group Position: Mortgage Agent (Exclusive Mortgage Agent Mentorship Program) Location: Toronto, ON Mortgage Agent   About SafeBridge Financial Group At SafeBridge, our vision is to drive transformational change in the C…
    - 6 days ago 29 Sep 15, 11:19am -

Before You Invest

  • When you need a mortgage broker
    Before you invest or buying or refinancing, the first decision you have to make is to use a professional mortgage broker. While brokers had their heyday in the 90s being responsible for almost 80% of the mortgages originated; the real estate downturn…
    - 12 Jan 15, 9:12pm -
  • Lower risk investment strategy and RESP plans
    An RESP is a Registered Education Savings Plan. It's a way for someone to invest money in a tax-deferred investment plan for the purpose of letting a child or younger relative use the money to pay for their education. Ask for specialists to Heritage…
    - 29 Aug 14, 10:23pm -
  • Your Debt Problem Is Not Going To Fix Itself
    Examples of some alternative options are debt consolidation and debt settlement. The debtor can also try to handle the overwhelming debt alone by contacting the debtors himself or herself. The worst thing that a person can do is nothing. With the rig…
    - 20 Aug 14, 2:35pm -
  • Key Things to Consider When Applying for Auto Financing
    In order to successfully purchase a car, you’ll need to get a few things in order first. You’ll need to choose a suitable car at a good price, and then proceed to buy the car in the most affordable way possible. Most people borrow money to buy a…
    - 10 Aug 14, 7:31am -
  • Competitive and Flexible Mortgage Solutions for All Buyers
    Buying a home is a milestone event in the life of any person. It signifies that the buyer is ready to put down roots in a community and start growing their wealth. Some studies have indicated that for every two homes that are purchased, one job is cr…
    - 18 Jun 14, 7:22am -

Give Me Back My Five Bucks!

  • newOctober 2015 Goals
    October is an interesting month for me because 1) I’m trying out a 30-day vegan challenge, and 2) I’m traveling for 1/3 of the month. The chart below reflects an inflated food budget because I have to replace so many staples food items with vega…
    - 7 hours ago 5 Oct 15, 12:47pm -
  • From vegetarian to vegan: a one month experiment
    Most of you know I’m vegetarian. I started off as pescetarian when I came back from Germany in 2013. After a few months, I turned vegetarian – and have been for almost two years now. It’s been an interesting two years. I still get asked by m…
    - 13 days ago 22 Sep 15, 11:04am -
  • Get rewarded for everyday purchases when using your debit card
    Note: while I received compensation for this blog post, all views and opinions are my own. I started using credit cards to earn points and rewards a long time ago. As many of you know, I support the responsible use of credit cards. I think that they…
    - 31 days ago 4 Sep 15, 2:33pm -
  • Friday ramblings
    Last night I went with a friend to the PNE. It was VanCity night, and as a member, we both got in for just $5! :) Our goal was to watch the free Boys II Men concert, but apparently that seemed to be the goal of every other 30-something person in Van…
    - 31 days ago 4 Sep 15, 2:13pm -
  • Weekly Spending Recap: August 24-30, 2015
    Monday 24th $18 hot pot $34.27 groceries Tuesday 25th $3 parking Wednesday 26th $4.78 groceries Thursday 27th No Spend Day! Friday 28th $12 lunch Saturday 29th $2.75 SkyTrain $28.98 lunch (for 2) $2.75 SkyTrain Sunday 30th $10 Starbucks (reload card)…
    - 33 days ago 2 Sep 15, 12:49pm -

Invest It Wisely

  • What are your Options when Investing in Gold?
    While the precious metal market may be one of the more traditional financial establishments, it remains an evolutionary entity that is liable to change gradually over time. These changes are triggered by a number of social, economic and political fac…
    - 18 days ago 17 Sep 15, 1:20pm -
  • Tools To Give You An Investing Edge
    Whether you are starting out trading stocks, utilities, or foreign currencies, it is impossible to do so without the assistance of tools like charts, calendars, feeds, and alerts. Virtual portfolios are also vital, and thanks to the advent of high sp…
    - 42 days ago 24 Aug 15, 5:16pm -
  • Why Should I Outsource My Investments to a Broker?
    Investing and trading on the markets, whether forex, stocks, bullion or other, can be done either as a solo venture or through using a third party. Rather than investing yourself, outsourcing to a broker provides many benefits depending on your aims.…
    - 46 days ago 20 Aug 15, 11:00am -
  • How to Change your PC on a Budget
    Technology and software is continuously evolving, with new, stronger components being launched each year, and new, resource hungry software being built to make use of the increased computing power. This means that personal computers become obsolete q…
    - 54 days ago 12 Aug 15, 6:27pm -
  • Buy Low, Sell High: CFD Trading
    Investment is a part of the life of every financially savvy adult. But lots of grown up persons are nonetheless spooked by investment. We tend to fear that which we don’t understand. This explains why a lot of people are terrified to risk any of th…
    - 56 days ago 10 Aug 15, 1:57pm -

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

  • The Truth About Donald Trump And Index Funds
    Since he entered politics, Donald Trump has been cutting opponents like a sushi knife through tuna. Some people like his caustic candor. Others wish he wore a muzzle. He’s raw. He’s bombastic. But he’s...
    - 7 days ago 28 Sep 15, 6:45pm -
  • Why You Shouldn’t Give Up On Value Stocks
    Many of us have been to a high school reunion. They’re rarely predictable. Once great wits can now sound like twits. The top football jock no longer fits in a chair. Heather Locklear’s look-alike...
    - 13 days ago 22 Sep 15, 9:12pm -
  • Hedge Funds Averaged Less Than 1 Percent Over 13 Years
    The high roller at the country club pays for a Tiffany necklace. In return, Hedge Fund managers give him a lump of coal.  Hedge Fund performances have done exactly this. Image by Pixabay Read...
    - 21 days ago 14 Sep 15, 7:45pm -
  • Should You Invest A Lump Sum Or Dollar Cost Average?
    You just inherited a windfall.  Or perhaps you’ve stashed cash in a savings account, waiting for a chance to invest it.  Should you drop the money into stocks and bonds all at once?  Or...
    - 28 days ago 7 Sep 15, 5:59pm -
  • Do Bonds Always Rise When Stock Markets Drop?
      Here’s a question that one of my readers asked.   Hi Andrew I have a balanced portfolio of Etfs 40/60-bond/stock and I am not concerned whether the market is currently up or down...
    - 31 days ago 4 Sep 15, 9:31pm -

Riscario Insider

    This blog is switching to a video-first format with a new YouTube series called Question an Actuary (QanA). You can read the transcript (this blog post) or watch the video (embedded at the bottom). You lose nothing and get more choice.Question: Why d…
    - 28 Feb 15, 10:25am -
    There are lots of reasons to read a book about money and there are lots of books about money. Tony Robbins has a new one, Money: Master The Game.Unfortunately, not many people read books. Even fewer read nonfiction. Only a small sliver read books abo…
    - 21 Dec 14, 10:48am -
    Michael James wrote a thoughtful post comparing temporary (term) life insurance and permanent life insurance. Like our canine friends above, both are similar, yet different. The best choice depends on different factors. A winner on one scale loses…
    - 14 Dec 14, 4:27pm -
    We’re looking for a new vehicle. There are lots of options. Prices usually start under $25,000 and easily reach $40,000 with the features we want (AWD, heated rear seats, navigation, keyless ignition), taxes and other charges.Each manufacturer mak…
    - 7 Dec 14, 6:34pm -
    We can’t predict the future but can take steps to put the odds on our side. Corporate governance is a measure of companies keeping promises. Since life and health insurance is a long term promise that may last decades, isn’t that important?Unlik…
    - 30 Nov 14, 5:09pm -

My University Money

  • Is Money the Main Reason You Chose the Major You Did?
    It’s no secret – many students are attending university without a solid grasp of what it is they want to do in their lives. They may delay the declaration of a major until the last possible moment, and when they are finally forced to make a c…
    - 78 days ago 19 Jul 15, 9:53pm -
  • How to Get a Master of Education Debt-Free
    If you have a love of education and want to pursue a career as a teacher, a Master of Education can help you bring out the best in your students. It may also be a job requirement in many districts. However, affording a master’s-level education on a…
    - 31 May 15, 7:39pm -
  • Paying Off Your Student Loans With an MS in Information Security
    It’s no secret that IT professionals enjoy great job prospects and earn plenty of money. But did you know that there’s an IT field where professionals can earn an average of $39,000 more a year than the average for IT professionals? And what if q…
    - 24 May 15, 7:33pm -
  • How Student Loan Forgiveness Programs Can Help You Afford to Become a Special Education Teacher
    No one enters the field of teaching to make a fortune — most teachers choose the field because they love children and are passionate about education, and that goes double for special education teachers. But teachers don’t make much money, and sta…
    - 17 May 15, 7:11pm -
  • Here’s Why You Should Consider an Online MS in BI Program
    Big data is getting bigger and bigger by the day, and companies in every industry need the help of professionals who can not only analyze this data, but interpret and package it in ways that make it useful to them. However, employers are struggling t…
    - 10 May 15, 7:03pm -

Canadian Personal Finance

  • How to compare bank loans
    Whether you want to make a major purchase, buy a new car, renovate your home, borrow to invest or consolidate debt it pays to look around for a new bank loan. With the Internet making it easier for consumers to compare rates and banks’ services, co…
    - 48 days ago 18 Aug 15, 11:15pm -
  • How to Learn Investment Without Risking Too Much
    A lot of people in their 20s and 30s today are cautious with money. They have every right to be, after all, after having lived through the worst of the Financial Crisis of 2008 and beyond. These people realize that the money you have could easily be…
    - 49 days ago 17 Aug 15, 6:39pm -
  • Simple, Yet Effective Ways to Save Money During Daily Life
    On paper, it might appear that people are financially doing better now than ever before considering the fact that there are now more millionaire American and Canadian households than ever. Surprisingly, 76 percent of Americans  are living paycheck t…
    - 80 days ago 17 Jul 15, 11:47am -
  • Income tax filing deadline extended to May 5
    Great news today! Canadians are getting more time to file their taxes due to a mistake by the Canada Revenue Agency. The deadline for most Canadians was set for the end of the month. However, due to a human error, incorrect notification was sent to t…
    - 28 Apr 15, 8:44pm -
  • Canadians Still Cautious about Shopping Online
    With almost 90% of Canadians now using the internet, it’s no surprise that e-commerce is on the rise in this country. Yet lingering concerns over cyber and mobile security mean the majority of shoppers still prefer spending their dollars at the mal…
    - 24 Feb 15, 11:02am -

Thirty Six Months

  • 9 Realistic Things You Can Do to Improve Your Finances Today
    The Internet is full of advertisements proclaiming you can improve your wealth today. Unfortunately, most of them are scams trying to separate you from your money. However, there are many realistic ways you can improve your finances today – if you…
    - 11 days ago 24 Sep 15, 6:08pm -
  • How to Make Your House Look More Expensive On a Budget
    Did you just move? Bought your first condo? Or did you just move in your significant other? Are you sick of the current way your house looks, but don’t have a huge chunk of change to switch up the decor? Don’t worry! I have you covered. Home is d…
    - 31 days ago 4 Sep 15, 9:18am -
  • 7 Things you Shouldn’t do While Vacationing in London
    London is one of the most beautiful cities in the world, with grand museums, spectacular architecture and a lot of history. Like most major cities however, there are unspoken rules between the locals on what is acceptable behaviour and what can land…
    - 36 days ago 30 Aug 15, 7:32pm -
  • What’s Your Life Plan?
    We had a plan- go to school, get good grades, get a good job, find the love of your life (or not), get married, buy a house, have kids. And so forth.  This is the course that most of us expected our lives to follow. It’s what our parents drilled i…
    - 49 days ago 17 Aug 15, 1:08pm -
  • Software Startup: Be one or help one?
    My day job pretty much involves evaluating startup ideas all day, and then building a plan that makes them grow  really quickly. So it goes without saying that I live eat and breathe this stuff all day. That said, I still get questions about the Sta…
    - 70 days ago 27 Jul 15, 1:12pm -

How To Save Money

  • Are Chapters-Indigo Plum Rewards Worth It?
    September 29, 2015 @ 8:00 am by Daniel TeoPlum Rewards is Canada’s largest loyalty program for reading enthusiasts. It offers discounts and special promotions for members that shop at the Toronto-based retail chain Indigo. The Plum Rewards program…
    - 7 days ago 29 Sep 15, 5:00am -
  • How To Save Money On Your Mortgage
    September 22, 2015 @ 8:00 am by DanA home purchase is likely the biggest purchase you will ever make, which means the financing of the house is very important! When I got my first mortgage I didn’t do much research on whether to choose fixed or var…
    - 14 days ago 22 Sep 15, 5:00am -
  • Laundry Done Better: Save Money, Energy, Time And Hassle
    September 15, 2015 @ 8:00 am by MarilynLaundry is one of life’s necessary evils. We’ve come a long way from our grandmother’s (or great grandmother’s) washboard, heavy metal irons, and washing our clothes in the river, but the number of optio…
    - 21 days ago 15 Sep 15, 5:00am -
  • Never Pay To Upgrade Your Computer’s Memory + VIDEO
    September 08, 2015 @ 8:00 am by Stephen WeymanAt some point during the life of a computer, there almost always comes a time when it would benefit the owner to install more memory. If you find your computer is getting sluggish when you have quite a fe…
    - 28 days ago 8 Sep 15, 5:00am -
  • Score Cheap Concert Tickets (And Good Seats Too!)
    September 01, 2015 @ 8:00 am by DanBuying tickets for concerts and sporting events can be frustrating. It seems like almost all popular Ticketmaster events sell out in minutes or even seconds, leaving thousands of fans frustrated and forced to pay as…
    - 35 days ago 1 Sep 15, 5:00am -

My Own Advisor

Montreal Financial

  • Should you Register or Incorporate Your Small Business?
    One of first decisions you have to make when embarking on your small business venture is the type of business structure to select.  There are essentially two choices – business registration (sole proprietorship or partnership) or incorporation.…
    - 56 days ago 10 Aug 15, 5:14pm -
  • Guidance on Deducting Home Office Expenses
    One of the great benefits of working from home for freelancers, the self employed and small business owners is that you can deduct the costs relating to the space that you use to work.  This can result in a significant reduction in your tax bill…
    - 8 May 15, 1:05pm -
  • Pricing Small Business Services: 3 Considerations
    One of the most challenging aspects of starting a new business is knowing what to charge for your services.  In economics terms, the ideal price is where demand meets supply.  The problem, of course, is that at the beginning we tend to have a lo…
    - 2 Mar 15, 7:21pm -
  • 8 Inexpensive Ways to Build a Client Base
    Perhaps the most daunting aspect of starting a new small service based business is building a client base.  On the other hand, there is nothing quite so exciting as getting those first few clients. When trying to generate new business, it is im…
    - 9 Feb 15, 8:47am -
  • Prevent Cash Flow Crises with these Ten Tips:
    One of the most pervasive problems that face small business owners, particularly in the initial and growth stage of their enterprise, is maintaining sufficient cash flow.  Many businesses with great potential have suffered an untimely demise due…
    - 25 Nov 14, 9:03pm -

Financial Uproar

  • newNelson’s Worst Financial Decisions
    Even though I am YOUR GOD (why aren’t you bowing?!?!), your boy Nelly has made a few mistakes in hisThe post Nelson’s Worst Financial Decisions appeared first on Financial Uproar.
    - 15 hours ago 5 Oct 15, 4:20am -
  • Should You Invest In The World’s Cheapest Stock Market?
    If you’re new around here, there are several things you should know. They are, in no particular order: I amThe post Should You Invest In The World’s Cheapest Stock Market? appeared first on Financial Uproar.
    - 4 days ago 2 Oct 15, 4:20am -
  • Your Bank Is Not Your Friend, Part 5,928
    The other day, I was looking at GIC rates, because that’s what COOL GUYS like me do. Older readers, thinkThe post Your Bank Is Not Your Friend, Part 5,928 appeared first on Financial Uproar.
    - 5 days ago 30 Sep 15, 9:29am -
  • The Illusion Of Control
    Hey look kids, I finally did a gif, that thing that was first cool in 2012. Probably my favorite thingThe post The Illusion Of Control appeared first on Financial Uproar.
    - 8 days ago 28 Sep 15, 4:20am -
  • How To Create Your Own Interest-Only Mortgage
    In the United States of George W. Bush, back in the early part of the 2000s, interest-only mortgages were moreThe post How To Create Your Own Interest-Only Mortgage appeared first on Financial Uproar.
    - 11 days ago 25 Sep 15, 4:20am -

Modest Money

  • Why Real Estate Investing Isn’t Easy
    By Rachel Hernandez Many people want to become real estate investors. They watch television shows about others who have made it rich. They hear stories about those who have been successful and made money with their real estate investments. Though, pe…
    - 49 days ago 18 Aug 15, 7:15am -
  • 5 Easy Ideas to Make Pennies Work for you
    If you’ve dreamed of financial freedom then you probably have a magic number in mind. Let’s entertain this thought for a second. After you reach that number, what’s next? You finance savvy folks probably have a foolproof plan to “make your…
    - 50 days ago 17 Aug 15, 7:15am -
  • 7 Irresistible Tips You Can Use to Invest $10,000 This Summer
    Have you over woken up one day and realized that you were thousands of dollars in debt? This happened to me, and it could happen to you too. Times are hard, and you end up using your credit cards more often than you realize, and before you know it, y…
    - 54 days ago 13 Aug 15, 7:15am -
  • How Ending My Coffee Addiction Saved My Life & My Money
    Certain people shouldn’t drink coffee, I’m one of them.  But when you have a two and a half decade habit reinforced by cultural tradition, it’s hard to let go of anything for good.  Some of my oldest adolescent memories are of having cafe co…
    - 54 days ago 12 Aug 15, 9:50am -
  • So What Do I Do With My Money? Travel Edition
    Sometimes it’s important to step back from personal finance learning, to think about the End Game. Money is not an end in itself. Instead it’s a means to an end: a way to do things, learn information, experience a way of life before unimagined. T…
    - 55 days ago 11 Aug 15, 9:15am -

Mo' Money Mo' Houses

  • Podcast Ep. 20: Being a Missionary & Sponsoring a Child
    To listen to Mo’ Money Podcast – Episode 20: Being a Missionary & Sponsoring a Child, click one of the links below: iTunes | Stitcher | SoundCloud | RSS Hello and welcome to another solo podcast episode with yours truly. I know in episode 1…
    - 6 days ago 29 Sep 15, 2:00pm -
  • If You Don’t Have Savings in Your 20s, You’re Doing Something Wrong
    I’m 29. It’s an odd age because despite me still being in my 20s, most of my friends are in their 30s and I kind of feel like that kid who isn’t allowed on the big kid rides because I’m still a few inches too short. I also just don’t get …
    - 8 days ago 28 Sep 15, 3:00am -
  • Podcast Ep. 19: Hustling 101 – From Bartender to CEO with Quin Sandler
    To listen to Mo’ Money Podcast – Episode 19: Hustling 101 – From Bartender to CEO with Quin Sandler, click one of the links below: iTunes | Stitcher | SoundCloud | RSS My guest on this podcast episode can be summed up in one word: hustler…
    - 13 days ago 22 Sep 15, 2:00pm -
  • My Thoughts on Winning a Plutus Award & What’s Next
    Happy Monday everyone! It was a pretty crazy weekend, and I sure as hell was not expecting it to be. I was just hoping for a relaxing few days honestly. I had a gross cold all of last week and I just needed a few days to recharge. I did treat myself…
    - 15 days ago 21 Sep 15, 3:00am -
  • Podcast Ep. 18: How Not to Live like a Starving Artist with Melissa Bondar
    To listen to the Mo’ Money Podcast – Ep. 18: How Not to Live like a Starving Artist with Melissa Bondar, click one of the links below: iTunes | Stitcher | SoundCloud | RSS I was really looking forward to interviewing Melissa Bondar, the blog…
    - 20 days ago 15 Sep 15, 2:00pm -

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

Canadian Accountant Tips

  • Important changes you need to know before doing 2014 Income tax returns
    Canadian $2 coin, nicknamed "toonie" (Photo credit: Wikipedia)Here is the list few changes that may affect your 2014 income tax returns:GST\HST credit- Going forward from 2014, you don’t have to indicate whether you want to apply for HST Credit. CR…
    - 9 Jan 15, 3:54pm -
  • Travel Tips
    Capital One (Photo credit: Wikipedia) Travel tips:I thought I knew about all the deals, discounts but realized I am still learning. Things I learnt last week. I can get rebates for travel booking in via, or, exped…
    - 30 Jun 14, 8:04am -
  • 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…
    - 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 -

The Blunt Bean Counter

  • newGST/HST - Know the Top Audit Issues Before the CRA Visits
    I receive many questions on my blog or to my Blunt Bean Counter Gmail about GST/HST issues. Thus, I thought it was about time to have a specialist address some of the top CRA audit issues in relation to GST/HST. Thus, I asked Brian Morcombe, a Senior…
    - 15 hours ago 5 Oct 15, 4:30am -
  • Curiosity May Kill the Cat, But it can Bring Alive Personal Relationships
    Every once and a while, I veer off my tax and money mandate and provide you, my readers, with pearls of wisdom related to life. My pearl for today: be curious! After reading my post, some of you may consider today’s pearl to be a salt-water culture…
    - 8 days ago 28 Sep 15, 4:30am -
  • Recent Changes in Legislation Make Reviewing Your Will A Must
    Tax changes that will become effective January 1, 2016, may have a harsh and surprising effect on your will and estate planning. To explain these new changes, I have a guest poster, Howard Kazdan, a tax expert with BDO Canada LLP.Below, Howard highli…
    - 15 days ago 21 Sep 15, 4:30am -
  • He Shoots, He Blogs, He Scores!
    In June, a Tax Court of Canada case, Berger v. The Queen (2015) was published. The case revolved around sports, income tax, and blogging. Now that’s my type of case and a topic I have to write about. There is a further “kicker” in this case for…
    - 22 days ago 14 Sep 15, 4:30am -
  • Let's Get Blunt About Your Financial Affairs - Book Giveaway
    Wow, I cannot believe how many entries I had for my book giveaway. I am assuming it is because you are excited about reading my book and not that everyone likes a freebie :).So without further ado, the winners are:1. Bryan O2. Nancy L 3. Valerie N4.…
    - 22 days ago 13 Sep 15, 7:44am -

The Investment Blog

  • Meaningful Methods For Assessing Investment Performance
    Practical methods for evaluating investment performance, and how not to be automatically disappointed when you see a negative price change by tempering expectations and being disappointed about the right things. more
    - 26 Apr 15, 10:12pm -
  • The Consequence Of Misinformation In Assessing Investment Performance
    Misinformation in assessing investment performance leads to poor investment decisions, and losses in investing over many years. The reason behind the problem are bad habits formed by years of brainwashing & the wrong mindset. There are two crucial…
    - 19 Apr 15, 10:29pm -
  • Warren Buffett (Berkshire Hathaway) Stock Portfolio – Summary Table 2014 Q4
    Read the details in the post Warren Buffett (Berkshire Hathaway) Stock Portfolio – Update 2014 Q4. You can view the 2/17/2015 SEC filing which discloses Berkshire Hathaway stock holdings here:…
    - 28 Feb 15, 11:14pm -
  • Warren Buffett (Berkshire Hathaway) Stock Portfolio – Update 2014 Q4
    Warren Buffett’s Berkshire Hathaway stock holdings for Q4 2014 was filed on 2/17/2015.  The fourth quarter was another with quite a bit of activity.  Two new holdings, including QSR and FOXA..  There were additions made to CHTR, DVA, DE, DTV, GM…
    - 27 Feb 15, 8:14pm -
  • Why Year End Investment Results Don’t Matter
    Conventional wisdom says that investors should review their portfolio’s annual performance (returns). I discuss why conventional portfolio and investment evaluation metrics are not meaningful or relevant, and why investors should not rely or pay t…
    - 30 Dec 14, 10:16pm -

Recommended Broker

  • Aren’t you mad at the gas companies?
    Many people are unhappy with the gas prices now, but they can’t do much about it. The reality is simple – the price of gas at the pumps is very expensive compared to the price of Crude Oil. Those believing that the…Read more →
    - 65 days ago 1 Aug 15, 2:09pm -
  • $25 basic cable. Is it good enough?
    It was widely reported and praised as a consumer-friendly decision of CRTC to force cable and satellite companies to unbundle their channels. That new cable package is capped at $25 a month and will consist of local stations and mandatory channels…
    - 20 Mar 15, 12:15pm -
  • Remodeling: Where should you put your money?

    - 7 Mar 15, 8:50am -
  • Average Canadian house price hit $401K
    Canadian home prices continued to tick higher, according to January figures, but on an annual basis, they rose by about 3% – the smallest increase in almost two years. Average Canadian house price hit $401K in January, up 3.1% in past…Read more…
    - 21 Feb 15, 11:11am -
  • Housing prices: US vs Canada
    US housing seems to be about 50% cheaper compared to similar Canadian homes:   A BMO graphic reveals an average Canadian house price of $400,000 compared to a U.S. average of $266,000. Both sums are based on prices for single-family…Read more →
    - 21 Feb 15, 11:06am -

Rewards Cards Canada

  • New Scotiabank GM Visa and Visa Infinite Card Review
    I’ve been critical of vehicle rewards programs in the past. That’s because it can take years of high spending to earn anything substantial and these programs have tended to be light on earnings and overly complicated to redeem. Scotiabank is look…
    - 22 days ago 13 Sep 15, 1:47pm -
  • Get Ready For The Mobile Payment Revolution
    We’re changing the way we pay for retail transactions, and soon, many of us will choose to leave our wallets at home. Cash use is on the decline – less than half of all purchases today are made in cash. Cheques are not dead yet, but are on the wa…
    - 28 days ago 7 Sep 15, 9:37pm -
  • When Is A Premium Credit Card Worth The Annual Fee? Just Do The Math
    I’ve been helping my daughters with simple math questions to test their logic and problem solving abilities. They know that when I have four objects and take away one that I’m left with three. My oldest daughter knows the same logic applies to bi…
    - 36 days ago 30 Aug 15, 9:02pm -
  • Check Out Boomer & Echo’s HUGE Five-Year Anniversary Giveaway
    Many of you are aware that I also co-author the Boomer & Echo personal finance blog, which my mom and I started back in 2010. It was there that I developed a passion for learning the ins and outs of rewards and loyalty programs. That passion, of co…
    - 56 days ago 10 Aug 15, 11:28am -
  • Why Charge Cards Have The Power To Earn Big Rewards
    American Express offers a line-up of travel rewards cards designed specifically for high spenders who pay off their balance in full each month. Although they seem to be credit cards, they really aren’t. They are charge cards, which are something qu…
    - 58 days ago 8 Aug 15, 6:06pm -

Canadian Mortgage Advisor

  • Bank of Canada – Overnight Rate set to 0.5% – After 5 years
    Bank of Canada today reduced it’s target overnight rate one more time. The bank surprised many experts in last January by lowering its target rate, now once more, the bank decided to cut the rate by quarter percent point. Like gasoline price, prime…
    - 82 days ago 15 Jul 15, 11:07pm -
  • CMHC new premium for high risk loans
    When a borrower offers to put no down payment at all (zero down) to purchase a home and to get a mortgage loan – is considered as a high risk borrower. People offering 5% are not exactly like the ones who have no money at all but […]The post CMH…
    - 3 Jun 15, 10:34pm -
  • Rate Outlook – Brief summary
    We all know that the market is very volatile right now. Among all those volatilities there are certain indicators those are pointing towards a rate rebound. The short term interest rates like variable rates will go up in 2015 according to RBC Financi…
    - 11 Sep 14, 9:15pm -
  • Growing inflation, how much worried should you be?
    Last week Canadian consumer price index made a lot of headlines, by reaching 2.3% in May 2014. For the first time in two years that inflation went about 2% mark. As a result all the investors thought that this is a clear indication of future rate hik…
    - 22 Jun 14, 9:14pm -
  • OSFI’s new boss – Jeremy Rudin
    Minister of Finance Joe Oliver today announced appointment of new Superintendent of Financial Institutions Jeremy Rudin. He will be replacing Julie Dickson. Mr. Rudin holds a B.A. from the University of Toronto, an M.C.R.P. from Harvard University, a…
    - 13 Jun 14, 10:15pm -


  • July/Aug/Sep 2015 Net Worth Updates - A rollercoaster
    Things are great until they aren't. Greater losses to come next month as well.July 1, 2015TFSA - $45,098.28 -1.53%RRSP - $5,782.47 -2.04%Stocks - $2,642.63 +5.64%(purchased this month = $298.64)Chequing - -$-1,029.82Total: $52,493.56Gain: -2.2…
    - 19 days ago 16 Sep 15, 11:32pm -
  • June 2015 Net Worth Update +1.86%
    The numbers lie - I'm struggling.TFSA - $45,801.01 +3.08%RRSP - $5,903.08 +1.67%Stocks - $2,501.49 +27.02%(purchased this month = $298.64)Chequing - -$527.31Total: $53,678.27Gain: +1.86% or +$982.07
    - 13 Jun 15, 9:57pm -
  • May 2015 Net Worth Update +1.21% - Still around
    TFSA - $44,430.88 -1.58%RRSP - $5,806.33 -1.71%Stocks - $1,969.36 +17.41%(purchased this month = $298.64)Chequing - $489.63Total: $52,696.20Gain: +1.21% or +$632.36
    - 13 Jun 15, 9:16pm -
  • April 2015 Net Worth Update +0.43% - The struggle
    A very minor change to report this month but I am content to be holding steady and not backsliding. I've just barely been keeping up with my expenses the last couple months, let alone finding any extra money to put away into savings. My cash flow is…
    - 3 Apr 15, 7:34pm -
  • March 2015 Net Worth Update +4.46% - $50k Milestone
    Another month of quite substantial gains generated by continued strength in the markets. I don't let these gains go to my head by pretending that they are somehow related to any skill I might have, as I know they could easily reverse in the coming mo…
    - 1 Mar 15, 2:17pm -