The Globe And Mail

Financial Post

Rob Carrick

Million Dollar Journey

  • Net Worth Update December 2014 – Karl the Real Estate Agent
    Welcome to the Million Dollar Journey December 2014 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. Karl…
    - 5 days ago 15 Dec 14, 5:30am -
  • Year End Tax Tips: 2014
    This article originally was published a few years ago but I decided to pull it out of the archives (with a few modifications) due to its relevance for this year. I was watching the tax segment on BNN last night and they highlighted some year end tax…
    - 12 days ago 8 Dec 14, 5:30am -
  • What is the Best Credit Card for Aeroplan Members?
    Aeroplan is one of the most popular loyalty reward programs in Canada.  The program, run by publicly traded Aimia (AIM.TO), is free to join and allows members to collect points towards flights on Air Canada and other participating airlines, hotels,…
    - 19 days ago 1 Dec 14, 5:30am -
  • Dividends vs. Capital Gains, Financial Literacy, Faster Mortgage Freedom and more!
    A couple of weeks ago, I wrote about the TD Aeroplan Visa Infinite promo which offered 25k bonus points and no annual fee for the first year. Readers indicated that the fine print showed that the “no annual fee” promo was expired, but I have conf…
    - 22 days ago 28 Nov 14, 5:30am -
  • A Simple Low Cost Diversified ETF Portfolio 2014
    This post was originally posted in 2008 but was recently updated to include the latest low cost index ETFs available to investors. Diversified indexing seems to be all the rage these days. To be honest, I’ve only recently started seeing the real be…
    - 26 days ago 24 Nov 14, 3:30am -

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 --…
    - 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…
    - 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…
    - 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…
    - 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…
    - 15 Jan 14, 12:06pm -

Canadian Finance Blog

  • Average Tax Rate: How Much Tax Are You Really Paying?
    The amount of tax you pay can be expressed in two different ways, marginal tax rate and average tax rate. While marginal tax rate is the tax rate paid on the last dollar you earn, your average tax rate is simply calculated as your total income tax d…
    - 5 days ago 15 Dec 14, 3:00am -
  • What Is Marginal Tax Rate and How Does It Work?
    We hear a lot about tax rates. Often, what we pay in taxes is expressed as a percentage of income. However, it’s important to understand that the tax rate you pay doesn’t apply to your entire income. Instead, you will pay taxes based on a formul…
    - 12 days ago 8 Dec 14, 3:00am -
  • PC Financial Online Banking: Why I Chose President’s Choice Financial
    Choosing a bank is one of the most important decisions you can make for your finances. Personally, I use PC Financial online banking for the no-fee account, but there are plenty of other banking options available with PC Financial online as well. Whe…
    - 19 days ago 1 Dec 14, 3:00am -
  • Be Prepared with an Emergency Kit for Your Car
    We live in a country that is known for its tough winters. When winter sets in, there is a lot of snow and ice. With the temperature dropping and some roads becoming a bit hazardous, it might be a good time to look at creating a roadside emergency ki…
    - 26 days ago 24 Nov 14, 3:00am -
  • How Canadians Can Take Advantage of Black Friday and Cyber Monday
    Shopping in the United States is elevated almost to a contact sport. Sales and discounts abound on a predictable schedule. Here in Canada, it’s true that we get Boxing Day on December 26th. However, in the States they also end up with “after Ch…
    - 33 days ago 17 Nov 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%…
    - 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

  • Refreshing the basics of a Tax Free Savings Account
    I recently met with a client who had many questions about a Tax Free Savings Account (TFSA) and how it works. Later, I met with a young man to set up his first TFSA. Then I returned to the office and on my desk was an article regarding TFSAs vs tra…
    - 2 days ago 18 Dec 14, 10:06am -
  • Investing your TFSA
    Sometimes, the TFSA is misunderstood.  One common misunderstanding is how many people think the Tax Free Savings Account (TFSA) is just a savings account.  After all, the ‘SA’ in TFSA stands for ‘savings account’.  If the TFSA was called t…
    - 3 days ago 17 Dec 14, 12:55am -
  • Boosting Your Financial Fitness
    “Clear your mind of can’t.” – Samuel Johnson With 2015 just around the corner, it seems only natural that our thoughts should turn to creating change and making resolutions to “do better” next year in some way. Often those resolutions are…
    - 5 days ago 15 Dec 14, 10:33am -
  • Are high debt levels really a problem?
    Debt is in the news again.  That’s not new news and neither is the message that Canadian have high debt levels that  continue to increase steadily to new record levels with every new study or report.  The latest study by  Equifax Canada has Can…
    - 10 days ago 10 Dec 14, 11:13am -
  • How much is one year of maximum CPP contributions worth?
    I’ve had a number of clients recently who wanted to know how their future CPP contributions would affect their retirement pension. After seeing a range of impacts for this group of clients, it struck me that the issue would be a good subject for th…
    - 11 days ago 9 Dec 14, 12:29am -


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…
    - 19 days ago 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…
    - 47 days ago 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…
    - 54 days ago 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…
    - 61 days ago 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…
    - 66 days ago 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…
    - 99 days ago 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

  • newCuba, Rubles, Christmas and #BestThisWeek
    Interesting to see that the U.S. will try to normalize relations with Cuba after 50 years. This will mean for Canadians that Cuba will not be quite as cheap as it has been, and worse it will be a lot busier. Should be interesting to see if this turns…
    - 22 hours ago 19 Dec 14, 6:15am -
  • Sure Fire Investing Scheme
    For my throwback Thursday post I go back to something I wrote over 8 years ago, entitled Gambling: Sure Fire System, and it actually wasn’t just a sure-fire gambling system, it was also a can’t lose investing strategy as well. What was I thinking…
    - 2 days ago 17 Dec 14, 11:11pm -
  • Make Money the Old Fashioned Way, Earn it!
    I loved that old chestnut from Smith Barney, that was so eloquently enunciated by the late John Houseman. It was his authoritative voice that sent droves of investors over to Smith Barney. What happened to Smith Barney? It eventually got bought by Mo…
    - 3 days ago 17 Dec 14, 6:43am -
  • Financial New Year Resolutions , Start Now !
    Every year, many folks try hard to break old habits, lose weight, or fix a “problem” in their lives, and they wait until January 1st to start this, but I have found that as soon as I call something a “New Year Resolution” it is doomed to fail…
    - 5 days ago 15 Dec 14, 7:14am -
  • Snow, Christmas, Enhanced and #BestThisWeek
    The snow flew this week in Ottawa, which of course means that we might have a White Christmas here in the Nation’s Capital. Will that matter? It does to some folks, I am good with a green Christmas, and one day hope to enjoy going to the beach on C…
    - 8 days ago 12 Dec 14, 6:20am -

Where Does All My Money Go

Group Benefits Online

  • Protecting Your Drug Plan from Rising Costs
    A major concern for employers looking to control their costs is health and dental benefits. One of the fastest rising health care costs for employers is drug plans. With the advances in medicine, there seems to be new drugs every other month. Employe…
    - 9 days ago 10 Dec 14, 10:17pm -
  • Dealing with Pension Plan Longevity Risk
    Retirees aren’t the only ones who need to worry about outliving their money. Longevity risk is a major concern for defined benefit pension plan sponsors as well. While longevity risk largely remains with workers for defined contribution pension pla…
    - 30 days ago 19 Nov 14, 7:11pm -
  • Flexible Pension Plan: Enhancing Your Defined Benefit Plan
    With many private sector pension plans reaching fully funded status, a growing number of plan sponsors are considering de-risking strategies. De-risking can take many forms from plan redesign to plan consolidation. The purpose of de-risking is to red…
    - 73 days ago 8 Oct 14, 8:37am -
  • Five Elements of Workplace Wellness
    Over the past few years, the growing importance that we place on creating and maintaining some kind of work-life balance has had a huge influence on corporate hiring and employee retention efforts. In generations past, employees were expected to leav…
    - 86 days ago 24 Sep 14, 6:33pm -
  • Changes to Taxable Disability Benefits
    Effective January 1, 2015, Carriers will update how taxable long-term and short-term disability benefits are administered to align with new requirements outlined by the Canada Revenue Agency (CRA). Previously, plan sponsors or plan members could sel…
    - 86 days ago 24 Sep 14, 6:26pm -

Canadian Couch Potato

  • Understanding ECN Fees
    The promise of commission-free ETFs has steered many index investors toward independent brokerages such as Questrade and Virtual Brokers. These deep discounters have a lot to offer, but before you sign on, make sure you understand the details of thei…
    - 2 days ago 18 Dec 14, 10:22am -
  • The Limits of Limit Orders
    For some time now I’ve been suggesting that ETF investors use limit orders—never market orders—when placing trades in their accounts. A market order will be filled (usually immediately and in full) at the best available price. A limit order all…
    - 5 days ago 15 Dec 14, 6:18am -
  • Decoding International Equity ETF Returns
    How have international equities performed over the last year? If you research the returns of index funds in this asset class, you may wind up with more questions than answers.I recently received an email from David, a reader who wanted to know why t…
    - 15 days ago 5 Dec 14, 6:13am -
  • The Couch Potato Goes Abroad
    Andrew Hallam’s Millionaire Teacher remains one of the best introductions to index investing. When I reviewed it three years ago, I stressed that Andrew writes with authority because he follows his own advice.In his new book, The Global Expatriate…
    - 22 days ago 28 Nov 14, 6:09am -
  • Ask the Spud: Bond ETFs in Taxable Accounts
    Q: Can you share your thoughts about the BMO Discount Bond (ZDB) and the Horizons Canadian Select Universe Bond (HBB) as long-term holdings in a taxable account? – D. F.Earlier this year BMO and Horizons both launched bond ETFs specifically design…
    - 31 days ago 19 Nov 14, 6:28am -

Balance Junkie

  • 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,…
    - 96 days ago 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…
    - 100 days ago 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 -
  • 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…
    - 23 Jan 14, 5:00am -

Boomer & Echo

  • When Stretching To Buy A Home Makes Financial Sense
    The real estate market in Canada has been the subject of much opinion and speculation over the last five years as prices continue to rise to new heights. Houses are over-priced, but by how much? Should prospective buyers wait for a crash before jumpi…
    - 1 day ago 18 Dec 14, 5:50pm -
  • How Do You Define Affordability?
    A TV commercial for a local credit union features people discussing finances at a “round table.” One man comments, “It depends on how you define affordability?” Huh?? Is it affordable? Tanya sees a great sale on a designer scarf for $200. Thi…
    - 3 days ago 16 Dec 14, 8:32pm -
  • Financial Independence: Why I Pushed It Back Five Years
    Last summer I thought I’d be financially free by 40. Reality – and unplanned expenses – set in this year and I’ve adjusted that ambitious projection by five years. I’m still on track to reach a net worth of $1 million by the time I turn 41,…
    - 5 days ago 14 Dec 14, 4:53pm -
  • Weekend Reading: Christmas Handout Edition
    Christmas is a time for giving, but how far does your generosity have to reach before it starts to impact your budget?  MoneySense reached out to an etiquette expert to ask how much to tip everyone from your hairdresser and manicurist to your per…
    - 8 days ago 11 Dec 14, 4:25pm -
  • Do You Need A Formal Budget Plan?
    Standard advice from most financial planners is that it’s essential to create a budget to track all expenses.  It’s the best way to figure out where your money is going and to rein in any unnecessary spending. 5 Reasons to budget It helps you ga…
    - 11 days ago 9 Dec 14, 12:18pm -

Young and Thrifty

  • Amsterdam on a 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.
    - 3 days ago 17 Dec 14, 9:12am -
  • Dividend Income Update December 2014
    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.
    - 5 days ago 14 Dec 14, 7:54pm -
  • December 2014 networth update: $344,490 (+0.4%)
    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.
    - 10 days ago 10 Dec 14, 7:17am -
  • Lifestyle Deflation Idols
    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.
    - 12 days ago 7 Dec 14, 7:26pm -
  • Tanzania 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.
    - 16 days ago 4 Dec 14, 9:45am -

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…
    - 11 days ago 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

  • Norway on Horns of a Fossil Fuel Dilemma
    You gotta love the irony of the situation. Norway has been considering a change in the investment policy of its giant $800 billion national wealth fund by divesting all its holdings of fossil fuel companies to help stop climate change. Guess where th…
    - 7 days ago 13 Dec 14, 3:58pm -
  • Retirement Income Planning must read - Yin and Yang
    "The Yin and Yang of Retirement Income Philosophies," by Wade Pfau and Jeremy Cooper is a fantastic review of the range of retirement income strategies. Non-technical, thorough, impartial, referenced, it assesses the pros and cons of each approach, s…
    - 8 days ago 12 Dec 14, 5:16am -
  • Gains from Theft are Taxable and Claiming Fraudulent Scheme Losses
    The Canada Revenue Agency has just published an updated tax folio describing how thieves should declare gains from theft (it's taxable income), or losses (deductible!).Perhaps more relevant to law-abiding blog readers it also says business can deduct…
    - 8 days ago 12 Dec 14, 2:51am -
  • A fresh perspective on risk
    Too true! (from Sidney Harris) Substitute the idea of investing and it puts a new light on risk.
    - 12 days ago 8 Dec 14, 3:32pm -
  • TFSAs creating a GIS crisis and "welfare for the wealthy? Not very likely
    Last week, the CBC published on its website an article by James Fitz-Morris provocatively titled TFSAs will lead to 'welfare' for the wealthy, government warned. This week, the Financial Post followed up with a sky-is-falling article by Jonathan Chev…
    - 18 days ago 2 Dec 14, 10:51am -

Today's Economy Blog

  • Dear Grace: The three secrets of Christmas
    A note to my six-year-old daughter, on three ways to make the holidays brighter.
    - 3 days ago 17 Dec 14, 8:43am -
  • Four questions before you join that start-up
    Joining a brand-new company isn’t for everyone. But if you are comfortable with the opportunity and the people involved, the upside can be huge.
    - 17 days ago 3 Dec 14, 8:35am -
  • What’s so bad about Black Friday?
    Compartmentalization is a defence mechanism that helps us deal with conflicting ideas. But it can cost us a ton of money during the holidays.
    - 31 days ago 19 Nov 14, 6:00am -
  • Four estate planning questions
    Hearing that you ought to update your will is little bit like being told to take up jogging. But here are four reasons why it's really important.
    - 45 days ago 5 Nov 14, 5:30am -
  • Your retirement date will probably be a surprise
    Seven in 10 retired Canadians did not exit the workforce on the date they planned. That’s according to the 2014 Sun Life Canadian Health Index.
    - 60 days ago 21 Oct 14, 6:20am -

Canadian Dream: Free at 45

  • newOh Right, I Also Get Gifts
    It was funny to me the other day that it finally occurred to me that I would be getting gifts for Christmas.  You see after writing up an idea list for people I literally stop thinking about getting anything for weeks on end. It partly occurs becaus…
    - 22 hours ago 19 Dec 14, 5:50am -
  • The Little Things
    Well I have to say I’m enjoying my time off more than I thought I would.  It’s been nice to relax a fair bit and be more involved with the kids while still getting some things done. What has really amazed me so far is how effective having a larg…
    - 3 days ago 17 Dec 14, 7:49am -
  • Catch the Trade Winds?
    Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. This quotation sh…
    - 4 days ago 16 Dec 14, 5:30am -
  • Goodbye Paper Files
    Perhaps the most obvious downside of taking an active interest in your finances is the fact you tend to have to read a fair bit of paperwork and then figure out what do with that paperwork.  While my file system is fairly good at the moment I rather…
    - 5 days ago 15 Dec 14, 5:42am -
  • Nov 2014 – Investment Update
    Here is our third month of these updates, which brings us back up to where we should be. The following is an update of Tim’s plan to retire early.  Please note we are mortgage free, and the house equity isn’t part of the retirement plan. To trac…
    - 9 days ago 11 Dec 14, 6:01am -

Sustainable Personal Finance

  • Is a spending money fast the right move for you?
    If there’s a time of year that makes you feel that you’ve definitely been overspending, it’s the holiday season. Even when you try to be frugal, and keep the materialism to a minimum, spending still manages to creep. From the gift exchange you…
    - 2 days ago 18 Dec 14, 6:16am -
  • You’re Nuts To Buy a Vacation Home
    For many Canadians, the dream goes a little something like this.On Friday afternoon, after dealing with Carl from accounting for approximately the 400th time, it’s finally quittin’ time. You elbow past everyone else to the lobby, desperate to get…
    - 7 days ago 13 Dec 14, 4:28am -
  • Alternative Ways to Invest with ETFs
    When I have a little extra money to invest, I like the idea of trying something a little different. While most of my investments are very boring (think index ETFs and dividend aristocrats), I do have a few somewhat alternative investments in my portf…
    - 23 days ago 27 Nov 14, 5:04am -
  • Should You Take Investment Advice from People You Know?
    It always seems as though someone you know has a friend who got rich off an investment opportunity. Or what about the guy at the office who is always talking about how well his portfolio is doing? When you look at your own investments, it might be te…
    - 33 days ago 17 Nov 14, 4:46am -
  • The Great Thanksgiving Charity Giveaway!!!
    A few bloggers both north and south of the border have decided to host a pre and post Thanksgiving Charity giveaway!The contest will run from November 5th, 7am EST to November 27th, 11:59pm EST.We’re starting at $125 for the winner and $125 for cha…
    - 45 days ago 5 Nov 14, 5:15am -

The Passive Income Earner

  • newDividend Income – December 2014
    2014 is coming to an end and I have my last dividend income report for the year. I have to admit that in the dividend income world, there are rarely negative results. It usually requires a catastrophic event or a major change in competitive abilities…
    - 9 hours ago 19 Dec 14, 7:11pm -
  • The Importance of Diversification
    Over the last 4 months, there has been some disruptions in the markets which can cause fluctuations in a portfolio. If you are not confident in your investments and strategy, you may be susceptible to making harsh investing decisions. It’s importan…
    - 6 days ago 13 Dec 14, 5:55pm -
  • Is It A Good Time To Consider A Gold IRA?
    Making decisions with regard to how to invest for retirement can be though. While the stock market seems like a good place to be now, there are several dangers that could spark an investor sell off. If this was to happen, gold could act as a great he…
    - 10 days ago 9 Dec 14, 10:31pm -
  • Understanding Investing for Retirement
    Over the past few years of blogging, I have been discovering many views on investing regarding its purpose for investors. Most people invest for retirement and some invest for other reasons but what is consistent amongst all goals is that the more t…
    - 11 days ago 8 Dec 14, 9:59pm -
  • The impact of OPEC on the energy sector
    The price of an oil barrel can have a major impact on energy companies. It directly affect their bottom line and the dividends over time. Well established and capitalized companies will not suffer for a very long time but newer companies with a busin…
    - 13 days ago 7 Dec 14, 12:04pm -

Dividend Ninja

  • 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 -
  • 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…
    - 17 Mar 14, 8:30am -

Michael James on Money

  • newShort Takes: $72 million Hoax, Reforming Wall Street, and more
    Here are my posts for this week:Money Rules Seeking a Reason to Own Bonds for the Long Run Wealthing Like Rabbits Here are some short takes and some weekend reading:The story about some teenager making $72 million day-trading is now confirmed to have…
    - 22 hours ago 19 Dec 14, 6:08am -
  • Wealthing Like Rabbits
    Few people believe they’re digging themselves a financial hole and making their lives worse while they’re in the middle of doing just that. Robert R. Brown’s book Wealthing Like Rabbits uses an engaging story-telling style to persuade readers…
    - 2 days ago 18 Dec 14, 4:30am -
  • Seeking a Reason to Own Bonds for the Long Run
    We tend to look at investment returns one year at a time. Most investment models treat each year’s returns as independent of previous years. But this isn’t actually true. A decade of returns in the real world doesn’t look the same as 10 inde…
    - 4 days ago 16 Dec 14, 4:30am -
  • Money Rules

    - 5 days ago 15 Dec 14, 4:30am -
  • Short Takes: All-Weather Portfolio, Credit Card Problems, and more
    Here are my posts for this week:Which Group RRSP Costs are Worth Paying? Life Insurance: Permanent vs. Term Money Rules for Investing Here are some short takes and some weekend reading:Barry Ritholtz says the “All-weather portfolio” from Anthony…
    - 8 days ago 12 Dec 14, 4:30am -

Canadian Mortgage Trends

  • Mortgage Career: Equitable Bank
    Company: Equitable Bank Position: Regional Business Manager (Single Family Residential) Location: Edmonton, AB Advertise your mortgage job opening today! Click here to post. Or browse CMT’s Mortgage Jobs Database. Regional Business Manager (Single…
    - 4 days ago 16 Dec 14, 12:02am -
  • Mortgage Career: FICOM
    Company: FICOM Position: Lead, Market Conduct, Mortgage Brokers Location: Vancouver, BC Advertise your mortgage job opening today! Click here to post. Or browse CMT’s Mortgage Jobs Database. Lead, Market Conduct, Mortgage Brokers BC Public Service…
    - 4 days ago 16 Dec 14, 12:01am -
  • An Updated Look at Insured Mortgage Risk
    We got a new profile of insured mortgage borrowers last Wednesday. It came from Genworth Canada’s Investor Day where the company briefed shareholders on the its current risk profile. The nation’s second-largest default insurer says government…
    - 5 days ago 14 Dec 14, 9:30pm -
  • More Bad News for Small Lenders: Update 2
    Since 2008, the Finance Department has announced one mortgage restriction after another, largely in an effort to wean lenders from government support. And just when you think there’s no more regulations to come, they tighten further. The latest suc…
    - 9 days ago 11 Dec 14, 2:26pm -
  • Mortgage Career: First Circle Financial Services Ltd.
    Company: First Circle Financial Services Ltd. Position: Mortgage Administrator/Receptionist Location: North Vancouver, B.C. Advertise your mortgage job opening today! Click here to post. Or browse CMT’s Mortgage Jobs Database. Mortgage Administrato…
    - 11 days ago 9 Dec 14, 12:03am -

Before You Invest

  • 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 -
  • The Importance of Mold Removal for Your Home

    - 3 Jun 14, 7:21am -

Give Me Back My Five Bucks!

  • Are you getting a holiday bonus?
    Do you get a year-end bonus from work around the holidays? I haven’t worked for a company that has given out annual bonuses for a while, but now I am, I’m faced with the problem of how I’m going to spend the money. A good problem to have. :) A…
    - 4 days ago 16 Dec 14, 2:18pm -
  • Oh, hello December!
    I’m still here! It has been a crazy few weeks. It’s already December and I’ve realized this blog has been neglected for a month. And for that, I’m sorry. :( Work was starting to get insanely busy at the end of October, and all of sudden, I fo…
    - 18 days ago 2 Dec 14, 1:05pm -
  • October 2014 Goals: Recap
    As you can tell, I stopped posting my weekly spending recaps. I started doing them just as a reminder for myself, and since you guys seem pretty divided about them, I thought I’d just stop posting them altogether. :) This was a decent month. I went…
    - 45 days ago 5 Nov 14, 11:00am -
  • Looking at surgery
    Earlier this year, I mentioned how I wanted to put big travel plans on hold because I could have upcoming medical expenses that could cost me thousands. Well, now that I know a little bit more about the cost, I can share with you. :) You probably kno…
    - 47 days ago 3 Nov 14, 1:07pm -
  • It’s time to go back to school
    It was my birthday earlier this week, and have spent a lot of time reflecting on what I’ve done so far in life. When I was younger, I always thought I’d be married with kids, and have a beautiful house as well as a flourishing career by the time…
    - 64 days ago 17 Oct 14, 11:07am -

Invest It Wisely

  • How to Get Money When You Have Bad Credit
    Even when you have bad credit, there are ways to obtain the funds that you need. For most of these options you do need a steady job and a valid checking account. The interest rates on these types of loans are typically higher due to the increased ris…
    - 12 days ago 8 Dec 14, 2:32pm -
  • Dream Condo Found? 5 Mortgage Tips to Remember
    Are you thinking of buying a Condo? It’s a big commitment, one that shouldn’t be taken lightly. Getting your mortgage approved may well seem like the most difficult step on the road to your dream home, but amidst finding the best mortgage rates…
    - 26 days ago 24 Nov 14, 8:33am -
  • Figuring Out Auto Insurance
    Auto insurance is a necessary expense whether you own or lease a car.  In Canada, in order to drive a vehicle the law requires you to have valid car insurance. It provides you and others with financial protection against traffic accidents and any re…
    - 29 days ago 20 Nov 14, 5:31pm -
  • How to Get the Most Out of Black Friday—the Right Way
    The biggest shopping weekend of the year is creeping closer by the day. While Consumer Reports recommends signing up to receive special offers and alerts by email from your favorite retailers, that alone won’t get you everything you want this holid…
    - 36 days ago 14 Nov 14, 10:54am -
  • How To Pick a Forex Broker
    Choosing a forex broker that best suits your needs as a trader is not that difficult if you take a few tips in consideration. These tips represent a number of questions you need to answer in order to narrow down your choices before you make that deci…
    - 79 days ago 2 Oct 14, 8:06am -

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 data…
    - 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 exp…
    - 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…
    - 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

  • Are Index Fund Investors Simply Smarter?
    We hear a lot about the low costs of index funds.  Sure, they outperform most actively managed funds.  As a result, many people assume that those who buy index funds are simply smarter.  But investors’ intelligence can be measured in other ways.…
    - 2 days ago 17 Dec 14, 10:24pm -
  • Top Ten Tips For International School Teachers To Build A Solid Retirement
    Many international school teachers don’t think enough about retirement.  And that’s understandable.  The whole concept can seem confusing. But it isn’t.  And those who fail to plan are planning to fail. That could mean eating dog food instea…
    - 2 days ago 17 Dec 14, 6:38pm -
  • Andrew Hallam on The Art Of Charm
    No, I’m not sharing how to find a romantic partner. Instead, I was interviewed by Jordan Harbinger at The Art of Charm, “Where Ordinary Guys Become Extraordinary Men.” So what’s my contribution to the “extraordinary” part? Harbinger and I…
    - 3 days ago 17 Dec 14, 1:02am -
  • In Defence of Advisors Who Sell Variable Annuities
    “How could my financial advisor have done this to me?”  Many ask this question after they buy a variable annuity.  You’ve heard that most of these products are nasty. Some say high fees burden them. Others complain that they’re inflexible.…
    - 4 days ago 15 Dec 14, 10:19pm -
  • Why Vanguard’s Balanced Index Fund Could Be An Investor’s Panacea
    You’re sitting at a fancy new restaurant. The ambience is perfect.  “Your taste buds will tango,” says the celebrated chef.  The back of the menu oozes with promise. We have award-winning chefs.  We grow our own organic herbs.   We butcher…
    - 17 days ago 2 Dec 14, 5:53pm -

Riscario Insider

    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…
    - 5 days ago 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…
    - 12 days ago 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…
    - 19 days ago 30 Nov 14, 5:09pm -
    I’ve got a newfound respect for educators after guiding 30 lively Grade 8 students through the Junior Achievement Economics for Success program with Dana Mitchell for Advocis during Financial Literacy Month. Thanks to teacher Maureen Deeney and Pr…
    - 27 days ago 23 Nov 14, 6:00am -
    You won’t find the type of warnings on alcohol or tobacco applied to sugary drinks: cause of about 180,000 deaths a year globallycredit cards: 30% of customers don’t payoff their entire balance each month and 93% of the credit cards in Canada (…
    - 33 days ago 16 Nov 14, 4:27pm -

My University Money

  • Money Is Just a Tool
    I’ve been doing a lot of reading recently and I have been thinking about the concept of money and how different people look at it in different ways.  The main concept of these books is usually that rich people generally see money as a way to gain…
    - 12 days ago 7 Dec 14, 7:08pm -
  • The Lazy Miracle of Online Shopping
    I am most definitely not a candidate for the title of ‘shop-aholic.’  I am kind of representative of the classic male stereotype of being a reluctant shopper.  I hate lines, crowded aisles, and arrogant, consumer-driven people of all kinds.  I…
    - 19 days ago 1 Dec 14, 7:12am -
  • MMFBT 029: How to Pay Off $32,000 In Student Loans the Day After You Graduate
    Today on the MMFBT podcast we feature someone who paid off tens of thousands of dollars in student loan debt before he was charged a cent of interest.  His name is Daniel Dickin and you can view his full writing portfolio over at …
    - 26 days ago 23 Nov 14, 7:30pm -
  • Forming Groups In Class – Beneficial Even If They Aren’t Required
    While you’re in class at some point you’ll come to realise a few things: Class can be boring The coursework can be difficult Most of the time, the prof will not notice that you are even there These things can combine to limit attendance and parti…
    - 40 days ago 9 Nov 14, 9:00pm -
  • MMFBT 028 – The Advantages of Canada’s Small Schools w/ Rob Nettleton
    I introduced Rob Nettleton to our audience last week when we chatted about how to ignore the stigma of being a money-conscious young person and student lines of credit. After we wrapped up that podcast we decided to make Rob the first ever guest to r…
    - 47 days ago 2 Nov 14, 7:06pm -

Canadian Personal Finance

  • How to watch NHL hockey without cable?
    I am a big hockey fan (playing not watching) but many fellow Canucks love to watch the NHL. I wanted to share the various ways you can watch without an expensive cable subscription in Canada. 1. Try HockeyStreams and get all the games streamed live!…
    - 70 days ago 11 Oct 14, 11:43am -
  • Alternatives to Payday Advances
    Many consumers try to do everything possible to avoid having to take out a payday advance. This is because there are high fees and high interest rates associated with them. The loan is often close to the amount of an entire paycheck. When you’re al…
    - 93 days ago 17 Sep 14, 10:35pm -
  • Get $250 Cash for transferring to Questrade
    You’re in the market to build your assets. Kick start your portfolio with up to $250 in cold hard cash when you open a new account. $250 CASH in your account Fund a new account with a minimum of $100,000 $100 CAS in your account Fund a new account…
    - 23 Aug 14, 4:33pm -
  • What You Need to Consider When Buying Life Insurance
    Life insurance is an essential component of nearly all financial plans. Having this coverage in place can help to protect income, and to keep assets in place – where they belong – in case of the unexpected. Yet, prior to purchasing a policy, it i…
    - 15 Aug 14, 10:46pm -
  • Tips for Getting Out from Under a Payday Loan
    Once a payday loan is taken, most consumers get into a cycle of paying one off and getting another. In some cases, another payday loan is taken to pay a different one off. This is a vicious cycle that costs consumers a lot of money in administrative…
    - 14 Aug 14, 6:03pm -

Thirty Six Months

  • 5 Tips for a Productive At Home Office
    Working from home can be a blessing. Instead of spending your day commuting, you can focus on your projects from the comfort of your own house. To ensure you stay productive while at home, check out these tips for styling a functional home office. 1.…
    - 5 days ago 14 Dec 14, 11:26pm -
  • Get The Credit You Deserve for Your Education – Credit Union Student Lending
    Recently, I ran into my young cousin, who just started her final year of high school. As we spoke about the excitement of the home stretch of high school, my cousin and I began talking about university and the financial difficulties that she may face…
    - 16 days ago 3 Dec 14, 8:18pm -
  • Credit Unions and Cars – The Simple Purchase
    As of this December, the lease on my second car will be up. After eight years of leasing cars and enjoying two new vehicles in a row, I have taken it upon myself to figure out what will be better financially for my next set of wheels. To lease or to…
    - 22 days ago 27 Nov 14, 4:32pm -
  • Tips for Finding Funding for Your Start-Up
    Most people don’t know this, but I my day job involves working with VC firms and startups. I basically get to hear pitches every day all day. And while most people think that getting on Shark Tank or finding an investor will help them, the reality…
    - 23 days ago 27 Nov 14, 9:46am -
  • Looking for a Career Change?
    Ever wonder why we’re so trigger happy to switch jobs? In previous generations, it wasn’t uncommon for someone to stay with the same employer – and often the same role – for the majority of their working life. Nowadays that is almost unheard…
    - 23 days ago 26 Nov 14, 9:16pm -

How To Save Money

  • You Can Get Paid To Have A Massage!
    December 16, 2014 @ 8:00 am by Stephen WeymanBeing a dude, going to the spa for a massage just feels wrong! In fact, for years I completely avoided it. However, my wife started going for semi-regular massages and kept telling me just how wonderful th…
    - 4 days ago 16 Dec 14, 5:00am -
  • Investing In What You Buy
    December 09, 2014 @ 8:00 am by Christopher WarnerA lot of financial experts are fond of the phrase "Let your money work for you." A few years ago I found a way to take that thought one step further by investing in the companies whose products or serv…
    - 11 days ago 9 Dec 14, 5:00am -
  • Black Friday & Cyber Monday Deals You Can Actually Use
    November 27, 2014 @ 3:05 pm by Stephen WeymanThe Black Friday & Cyber Monday frenzy is building by the minute but most of the deals are on specific items you may or may not need or use. That's why I wanted to put together a quick list of deals that w…
    - 23 days ago 27 Nov 14, 12:05pm -
  • Get Paid To Take Online Surveys?
    November 25, 2014 @ 1:09 pm by Stephen WeymanMaking money online has always intrigued me and when I first took a stab at it, I tried all kinds of crazy things! I installed toolbars that were supposed to pay me to surf the web. I was selling my stuff…
    - 25 days ago 25 Nov 14, 10:09am -
  • $1000 Cash HUGE Christmas Giveaway!
    November 19, 2014 @ 3:35 pm by Stephen WeymanLast year I gave away $1000 of my own money for the first time while I was barely earning anything from this site. Back then I had a full time day job and worked on How To Save Money in the evenings - i…
    - 31 days ago 19 Nov 14, 12:35pm -

My Own Advisor

  • Weekend Reading – Podcasts, buy and hold, lessons learned, financial fitness and more
    Leading off this Weekend Reading edition, I want to thank Sheryl Smolkin for the recent interview with yours truly here.   Check out what I said about starting my blog, investing lessons learned and more. Enjoy the rest of these articles and see yo…
    - 1 day ago 18 Dec 14, 7:25pm -
  • The new savings rate is more than 10% folks
    I was inspired by this blogpost recently that argued we’ve been thinking about our savings rates all wrong. Cait argued: “What if, instead of telling us how much to save, we grew up hearing how much we should live off of instead? What if your par…
    - 4 days ago 16 Dec 14, 1:58pm -
  • 2014 Financial Goals December Update
    To keep me honest and focused I post my financial goals on My Own Advisor.  One thing I’ve learned over the years is I have a much better chance at realizing my goals if I keep tabs on them, and often. Here’s a recap of what we tried to accompli…
    - 6 days ago 14 Dec 14, 7:33am -
  • Weekend Reading – TFSA audits, Top 50 sites, DRIP myths and more
    2014 Weekend Reading material is winding down folks…hard to believe it’s mid-December… In case you missed it this week I boldly shared our financial progress here and I thought of some insurance everyone needs to consider. How’s the holiday…
    - 8 days ago 11 Dec 14, 6:16pm -
  • Insurance everyone needs to consider
    Let’s face it.  Life insurance and insurance is general while critical to financial planning is not exactly a sexy topic.  Now that I wrote the word “sexy” maybe I have your attention! Whether you’re young and single, young and married, you…
    - 11 days ago 9 Dec 14, 3:52pm -

Montreal Financial

  • 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…
    - 24 days ago 25 Nov 14, 9:03pm -
  • Guidelines For Deducting Conference and Training Expenses
    Attending conferences and investing in ongoing training can be a great way for small business owners to keep current on industry developments and improve their skills.  It also allows for networking opportunities and occasionally includes trips t…
    - 9 Jul 14, 2:36pm -
  • 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…
    - 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…
    - 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 -

Financial Uproar

  • Why Knowing Whether You’re An Entrepreneur, Manager, or Technician Matters
    Here’s Eddie, which kind of rhymes with steady. Does him writing here every week count as him and I going steady? Probably.  The E-Myth Revisited is a book written by business consultant and writer Michael E. Gerber.  He is a passionate spokesman…
    - 3 days ago 17 Dec 14, 7:00am -
  • Hudson’s Bay Company: A Potential 50-100% Upside Opportunity
    Hudson’s Bay Company (HBC:TSX) is Canada’s oldest company, incorporating in 1670 so the English could harvest Canada’s ample bounty of furs rape the wilderness of everything that wasn’t nailed down. King Charles II gave the company exclusive…
    - 5 days ago 15 Dec 14, 6:00am -
  • Sunday Morning Dump: Get Into The 21st Century, Target Canada
    Let me tell y’all a story about my days working in a grocery store. Gather round, children. When we moved from a smaller to a larger location, we expanded the number of areas in the store with shopping baskets from one to something like five. There…
    - 6 days ago 14 Dec 14, 6:00am -
  • It’s Yet Another Financial Uproar Mailbag
    Because, hey, we haven’t had one of these in a while. This might be fun. I’m looking to make money by selling some of my old things. Do you have any suggestions? Phil Look, I’m not opposed to people selling off their unused crap. Lord know tha…
    - 8 days ago 12 Dec 14, 6:00am -
  • Why Non-Traditional Investments Can Pay Off The Most
    It’s Eddie time, yo.  The primary purpose of last week’s Bezos and Skilling allegory is to advance the idea of not just investing in the long term, but to evaluate how you value your time and investments on a personal level.  For example, given…
    - 10 days ago 10 Dec 14, 8:28am -

Modest Money

  • newBeginners Guide to Penny Stock
    Many people are looking to figure out how to build a stock portfolio. Some of the best stocks are $100 or more per stock, which means that it can be very expensive to get started within the stock market. Many people don’t have $10,000 or …The po…
    - 21 hours ago 19 Dec 14, 7:15am -
  • 5 Things to Ask Your New Financial Advisor
    If you are someone who cares about money, you are likely to have many financial advisors in your life. Being broke is easy, but building wealth and security takes effort. A good advisor will provide guidance and perspective, alerting you to financial…
    - 2 days ago 18 Dec 14, 7:15am -
  • Meaningful Gifts on a Holiday Budget
    If you are like us at Modest Money, the holidays are approaching and you haven’t finished your shopping. Perhaps my family is the exception, but I find them incredibly difficult to buy for. I have found the following approach serves me well, making…
    - 3 days ago 17 Dec 14, 7:15am -
  • Santa Claus – The Ultimate Project Manager
    Santa Claus may be a Christmas character but he is the ultimate project manager! Think of it: He bridges the gap between the production team (i.e., the elves and their assistants at the North Pole) and the clients (i.e., children all over the world)…
    - 4 days ago 16 Dec 14, 7:15am -
  • Expanding Mobile Video Conferencing Solutions for Business
    We live in a world where boundaries are becoming more and more blurry. Every day, thousands of people communicate across distance, make friends that live in other countries and even tie relationships so strong that they eventually end up getting marr…
    - 4 days ago 15 Dec 14, 11:00pm -

Mo' Money Mo' Houses

  • newBack in Vancouver and It’s Sort of Weird
    I seriously cannot believe there’s only a week left until Christmas! Where did the time go? I remember planning my HB and I’s trip back to Vancouver for the holidays in September, and now we’ve already spent a week at my parents’ place! As I…
    - 18 hours ago 19 Dec 14, 10:30am -
  • 3 Year Blogiversary: How Money Has Shaped My Life
    So apparently today is my 3 year blogiversary and I totally forgot! It was a pretty busy week to be fair. I was out almost every night (or lunch break) hanging out with friends before my HB and I left for Vancouver today. And then, because it’s jus…
    - 7 days ago 13 Dec 14, 10:06am -
  • What I Learned About Money from Undercover Boss
    Well hello there! It’s been a few weeks since I last posted on a Monday, so I thought it was about time to get out of my writer’s block rut and just gosh darn write something! Although lots of big things are happening in my life, namely getting r…
    - 12 days ago 8 Dec 14, 4:00am -
  • Blog Love – Let the House Hunting Begin!
    Hey all, So as I mentioned on Wednesday, my HB and I had a meeting with our mortgage broker today. This was kind of the make it or break it moment for us. If we weren’t going to be approved for a big enough mortgage, we were going to wait a few mor…
    - 22 days ago 28 Nov 14, 3:13pm -
  • Wealthing Like Rabbits Winner Announced
    Just a short post today to announce the winner of a copy of Robert Brown’s Wealthing Like Rabbits book! Not only is it a great read, but I may even be mentioned in it (very cool!).   a Rafflecopter giveaway   Congratulations Mandy Hung! I’ll be…
    - 24 days ago 26 Nov 14, 6:14am -

The Loonie Bin

  • Giving Thanks 2014
    As most of us in Canada are sitting down to eat a giant feast with family and friends, I think it’s important to reflect on the thankful part of Thanksgiving that often gets over looked. We get too caught up in the rat-race as we hoard our pieces o…
    - 68 days ago 13 Oct 14, 3:34pm -
  • Dividend Income Update: September 2014
    Every year or so my brain tells me that I have a hankering for some deep fried chicken from the Colonel. So I indulged my craving and I went there for supper this week. It only takes one meal to remember why I never eat there but this trip was a litt…
    - 72 days ago 9 Oct 14, 3:14pm -
  • 2014 Financial Goals- Update
      Well 2014 has definitely been an interesting year for my financial goals. There wasn’t a whole heck of a lot of them and when it was all said and done I ended up getting rid of one completely! The only consistency in life is that there is no con…
    - 75 days ago 6 Oct 14, 2:16pm -
  • Market Chaos? It’s About Damn Time!
    Who in their right mind would be happy that the markets are getting hammered? This guy, that’s who! While everyone is panicking as their portfolio is shrinking, I’m rubbing my hands together with glee. When everyone else is selling their dividend…
    - 79 days ago 2 Oct 14, 2:17pm -

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 -


  • 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 …          
    - 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 …          
    - 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…
    - 11 Jun 13, 2:08pm -
  • The Importance of Insurance on Your Retirement

    - 14 May 13, 11:08am -

Canadian Accountant Tips

  • 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 -
  • 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 -

The Blunt Bean Counter

  • The Family Tax Cut - Should Joint Filing be Next?
    In late October, while I was vacationing in South Africa, details of the proposed Family Tax Cut were announced by Prime Minister Stephen Harper. Since the financial press was all over this, I will provide a quick recap below. Then for a fun (hey I a…
    - 5 days ago 15 Dec 14, 5:37am -
  • Personal Pension Plans
    The last time I wrote about Individual Pension Plans (“IPPs”) was in 2011; see my blog. Recently, I have received a few emails from my readers asking if I planned to update the discussion on this topic. As it happens, over the last year or so, I…
    - 12 days ago 8 Dec 14, 4:30am -
  • Tax Planning Strategies to Minimize the Old Age Security Clawback
    Question: How does an accountant enrage a sweet, mild mannered genteel grandmother? Answer: Tell her some or all of her Old Age Security (“OAS”) payments were clawed-back on her tax return. One lesson I have learned over the years is that whether…
    - 19 days ago 1 Dec 14, 4:30am -
  • Tax Loss Selling - 2014 Version
    For the fourth year in a row, I am posting a blog on tax loss selling. I am doing it again because the topic is very timely and every year around this time, people get busy with holiday shopping and forget to sell the “dogs” in their portfolio an…
    - 26 days ago 24 Nov 14, 5:00am -
  • Jet-Lagged
    You may (or may not) have noticed that I did not post my blog on Monday morning as per my usual routine. This is because I have just returned form a trip to South Africa and Botswana and I am recovering from an over 30 hour airport/travel day. The t…
    - 32 days ago 18 Nov 14, 2:37pm -

The Investment Blog

Recommended Broker

  • How I bought $1,300 worth of Starbucks coffee in less than a minute?
    A couple of months ago I got a strange phone call. “Mr. Delev, I am calling from the Fraud Prevention Center of Master Card. Did you just order $1,300 worth of Starbucks gift cards?” “No. I am not even a…Read more →
    - 7 Sep 14, 10:00am -
  • Familiar trend: Rich get richer
    The recent report of the Federal Reserve in the US confirmed onece again a well known trend – the rich get richer all the time and regardless of the economic environment. Median incomes, adjusted for inflation, for the top 10%…Read more →
    - 7 Sep 14, 9:06am -
  • Billionaire says we should all work 3 days a week but never retire
     People will have to work longer, to 70 or 75 years old, and only work three days a week. Carlos Slim, one of the world’s richest men, says instead of the current model of a 40-hour workweek and retirement in…Read more →
    - 11 Aug 14, 7:28am -
  • TFSA withdrawal rules: Not everybody pays attention…
    A tricky rule keeps tripping up thousands of Canadians who make withdrawals from their tax-free savings accounts, and replace the money too early. TFSA withdrawal rule keeps catching unwitting Canadians Related PostsBecoming a home owner: Step 1 The…
    - 11 Aug 14, 7:19am -
  • Why aren’t more people paying off their mortgages faster?
    Taking action to pay down your mortgage faster is one of those boilerplate suggestions that financial advisers love to make to their clients. So why isn’t everyone doing that? …only 35%t of Canadians with mortgages took some kind of action…Read…
    - 8 Aug 14, 9:43am -

Rewards Cards Canada

  • How I Cashed In On Credit Card Rewards This Year
    The key to maximizing your credit card rewards is choosing a card (or cards) that allows you to earn more points in the categories that you spend the most. Online calculators – like the one developed by MoneySense – can tell you in theory which c…
    - 6 days ago 14 Dec 14, 12:36pm -
  • WestJet RBC World Elite MasterCard: Should You Get This Card?
    Backed by a big advertising campaign and generous welcome bonus, the WestJet RBC World Elite MasterCard is making a push to become the nation’s top airline credit card. Should you “get this card”? WestJet made headlines this fall when the airli…
    - 16 days ago 3 Dec 14, 9:09pm -
  • Why Costco’s Executive Membership Is Worth The Fee
    More than six million Canadians fork over $55 per year for the privilege to shop at Costco, the popular wholesale club, and take advantage of bulk pricing and several products unique to the store.  Is it worth the money?  The company says nearly…
    - 18 days ago 1 Dec 14, 10:04pm -
  • How A Credit Inquiry Affects Your Credit Score
    One of the most common questions that readers want to know is how a credit inquiry affects your credit score. A juicy bonus points offer might tempt you to apply for a new credit card, but what should you do with your old one? Then there are travel…
    - 32 days ago 18 Nov 14, 11:00am -
  • Aeroplan “Rewards” More Expensive Than Cash Fare
    Aeroplan is the most popular loyalty program in Canada for a variety of reasons, including the fact that it’s tied to Air Canada – the largest airline in the country.  Many Elite and Super Elite Aeroplan collectors vouch for the program, swearin…
    - 34 days ago 16 Nov 14, 11:49am -

Canadian Mortgage Advisor

  • 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…
    - 99 days ago 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 -
  • Canadian Housing awe continues
    Recently, three institutions in three different occasions said the same thing – Canadian housing market is overvalued. OECD: IMF: Bank of Canada: All those reports point towards a housing related financial risk but how much of an actual risk exists…
    - 12 Jun 14, 11:04pm -
  • Interest rates may not wait for inflation to grow
    Interest rate and inflation are generally like two sides of a coin. When one moves one way then the other side follows it. Although it seems to be a general norm but it may not hold ground for long. In 2008 during the financial meltdown Canadian gove…
    - 11 Jun 14, 10:57pm -


  • Dec 2014 Net Worth Update +1.76%
    The TSX is being battered at the moment so I expect my numbers to drop significantly by the next update. Nothing else to report - just need to keep moving forward.TFSA - $40,058.15 +1.82%RRSP - $5,436.65 +2.00%Company stocks - $352.43 (stocks purcha…
    - 4 days ago 15 Dec 14, 11:47pm -
  • 2015 TFSA Limit = $5,500
    The CRA has announced that the annual TFSA contribution limit for 2015 will be $5,500. This makes the total possible contribution room since introduction a sizeable $36,500.2015: $5,5002014: $5,5002013: $5,5002012: $5,0002011: $5,0002010: $5,0002009:…
    - 24 days ago 25 Nov 14, 8:28pm -
  • Nov 2014 Net Worth Update +0.95%
    This last month was full of expenses so I am pleased to report that I have recovered most of the losses from the previous month and am now ready to begin saving again. As you can see I had to liquidate all of the shares I held in my employee share pu…
    - 43 days ago 7 Nov 14, 12:42am -
  • Oct 2014 Net Worth Update -1.01% - Red all over
    (I am posting this very late now - Nov 6, 2014)Market jitters, fresh expenses, and two unfortunate pay-dates came together in September to create the perfect storm and resulted in the red percentages you see below. However, seeing as this is my first…
    - 43 days ago 7 Nov 14, 12:02am -
  • Sep 2014 Net Worth Update +2.13%
    The gains that you see below are entirely the result of market fluctuations and have nothing to do with any new savings or improvements in my financial situation. Next month will also show little improvement as I've had to put on hold contributions t…
    - 6 Sep 14, 8:54pm -