The Globe And Mail

Financial Post

Rob Carrick

Gail Vaz-Oxlade

  • So Long, And Thanks for All the Fish
    Hello all. This is my final post for a while. I’m taking some time off. It’s been a very busy first quarter and it’s time to do some reassessing about life, the universe and everything. There’s lots of info on this site and I’m past wantin…
    - 1 Apr 16, 1:37am -
  • This & That: Money Management Edition
    M Wrote: Your book Debt Free Forever completely changed my thinking and attitude towards money. For the first time in my 28 years, I know the worth of a dollar, and how to make my money work for ME, not the other way around. I have a question about i…
    - 31 Mar 16, 2:14am -
  • The Poetry of David Whyte  
    David Whyte was born in November, 1955 and grew up among the hills and valleys of his father’s Yorkshire. He now makes his home in the Pacific Northwest of the United States, but his Irish mother imaginative influence is still at play among his wor…
    - 30 Mar 16, 2:09am -
  • Are Microwaves Save?
    I’m a big-batch cooker. From time to time I put to and make a mess of food, putting it in individual containers in the freezer. This saves me time when I don’t want to have to start from scratch. And since I’m the best mama ever, I end up stuff…
    - 29 Mar 16, 2:07am -
  • Buying a Home
    A single mom wrote to me recently asking for some advice about buying a home. She wants to know how much she should put down, and how much she can reasonably afford to spend. While she’s been pre-approved for a mortgage – a good first step – sh…
    - 28 Mar 16, 2:06am -

Million Dollar Journey

  • Dividend Kings List – Companies with Annual Dividend Increases for Over 50 Years!
    Dividend growth investing may not be for everyone, but I am a fan.  I like the idea of receiving tax efficient payments from long established companies with an established track record of annually increasing their payments to shareholders.  While I…
    - 4 days ago 25 Jul 16, 5:30am -
  • Net Worth Update July 2016 – Nobleea the Oil and Gas Engineer (+8.38%)
    Welcome to the Million Dollar Journey February 2016 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. Nobl…
    - 11 days ago 18 Jul 16, 5:30am -
  • Annuities, Student Loans, Automatic Withdrawals, Pursuing Happiness and more!
    Freebie of the week The last freebie was receiving $50 by signing up for a no annual fee PC Financial World Elite Card (3% cash back towards Loblaws purchases). This time around is $100 cash to sign up for the 2% cash back MBNA World Elite MasterCa…
    - 15 days ago 14 Jul 16, 5:30am -
  • Smith Manoeuvre Questions – Capitalizing the Interest and Tax Deductibility
    It’s been a while since I’ve written about the Canadian version of a tax deductible mortgage, also known as The Smith Manoeuvre. Yes, you read right, a tax deductible mortgage for Canadians, but it’s probably not exactly as you imagine. I’ve…
    - 18 days ago 11 Jul 16, 5:30am -
  • My Favorite Personal Finance Apps
    I reader recently asked me a question that I’ve never considered writing about before – “FT, what apps do you use?” At first, it threw me off guard as it’s almost a personal question in a strange kind of way. But I can see how some may be c…
    - 25 days ago 4 Jul 16, 5:30am -

Canadian Capitalist

Canadian Finance Blog

  • Teaching Kids the Joy of Giving
    In today’s society there is a big focus on self-indulgence. Whether it’s clothes, cosmetics, vacations, vehicles or the latest electronic device, marketing departments everywhere are constantly reinforcing the idea that “we’re worth it”. Th…
    - 4 days ago 25 Jul 16, 6:00am -
  • What is Your Effective Tax Rate?
    One of the sources of confusion for many Canadians is the way that taxes are described. We hear about tax brackets and tax rates, but it can be difficult to conceive of how much of our income is actually taxed. If you want a better idea of how much y…
    - 11 days ago 18 Jul 16, 6:00am -
  • The Best Aeroplan Credit Cards of 2016
    Over the years, Aeroplan has evolved into a broad rewards coalition, although it is still mainly associated with travel miles. Aeroplan credit cards allow you to find ways to earn rewards on a number of items, from food to hardware to travel. Most pe…
    - 18 days ago 11 Jul 16, 6:00am -
  • Why You Need to Talk About Money With Your Children
    I grew up in a household with two parents who were excellent money managers. Unfortunately they grew up in a generation which considered it rude to talk about money which meant that their financial lessons to their kids mostly consisted of the same m…
    - 25 days ago 4 Jul 16, 6:00am -
  • Should You Invest in Group RESPs?
    One of the best things you can do for your child’s future is to open a Registered Education Savings Plan for them. A good RESP can help you build up money for your child to attend university and get an education that will benefit him or her for the…
    - 32 days ago 27 Jun 16, 6:00am -

Money Smarts Blog

  • Cutting the Cord – Living Without Cable TV
    After a multi-year hiatus, Mr. Cheap has returned to blogging at http://moneytimeblog.com. 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…
    - 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

  • Lessons from a millionaire teacher
    My apology to all of the teachers who have been in my life over the years. My wife is a retired teacher and there have been many teachers in our family and circle of friends. Our school system does a poor job of teaching children about money – spen…
    - 11 days ago 18 Jul 16, 12:36pm -
  • 3 Ways to Maximize Your Group RRSP
    “Nothing is more expensive than a missed opportunity.” H. Jackson Brown Jr. Approximately 40% of Canadian companies offer some form of group retirement savings plan for their employees. Whether it’s a pension plan or a group RRSP, if you happen…
    - 18 days ago 11 Jul 16, 6:59am -
  • Three reasons people retire broke
    According to a recent study, roughly 40 per cent of Canadians would be unable to pay for an unexpected $200 expense without going into debt. I’ve spent over 20 years working with people and their money and reading all kinds of financial material an…
    - 45 days ago 14 Jun 16, 1:18pm -
  • What are your family financial values?
    My wife and I talk about money a lot.  While some studies suggest that money issues can be a significant catalyst for marital problems, I think having open lines of communication about money is extremely healthy.  I also think talking openly about…
    - 47 days ago 13 Jun 16, 12:17am -
  • Tax Freedom Day 2016
    Every year at this time, we start to prepare for summer and get ready to celebrate Canada Day.  Maybe there’s another day to celebrate this time of year.  Tax Freedom Day happened on June 7th this year. The Fraser Institute in Canada calculates…
    - 50 days ago 9 Jun 16, 7:50am -

Squawkfox

  • The Marilyn Denis Show: The Best Ways to Sell Your Stuff Online
    The Marilyn Denis Show: The Best Ways to Sell Your Stuff Online: I went on the The Marilyn Denis Show and got a huge hug from Marilyn. The audience got a few laughs over my knickers, and I shared my thoughts on The Best Ways to Sell Your Stuff Online…
    - 92 days ago 28 Apr 16, 7:20pm -
  • CBC The Exchange: Last minute tax breaks for late filers!
    CBC The Exchange: Last minute tax breaks for late filers! : I sat down with host Dianne Buckner on CBC's The Exchange to share a few untaxing tax tips that could help you cut a smaller cheque to the CRA before the April 30th, 2016 deadline. Get filin…
    - 93 days ago 27 Apr 16, 7:29pm -
  • TFSAs vs. RRSPs: Where’s the biggest bang for your buck?
    TFSAs vs. RRSPs: Where’s the biggest bang for your buck?: I was invited on CBC's The Exchange to squawk about RRSPs and TFSAs. The best savings plan depends on you. I share some tips and rules to help you make the best choice for you.
    - 27 Feb 16, 8:11pm -
  • Gimme Gimme More: How to tame the ‘Gimmes’ and set gift expectations
    Gimme Gimme More: How to tame the 'Gimmes' and set gift expectations: Holidays and birthdays can create a case of the gimmes, but a general desire for stuff can happen at any time of the year. I talk about taming gift expectations for kids with host…
    - 16 Feb 16, 6:41pm -
  • The Olive Rule: Track your spending to prevent the pits
    The Olive Rule: Track your spending to prevent the pits: A simple spending tally was all it took to see I'd been spending $75 per month on olives. Seeing where your money is spent can be an eye-opening (and jaw-dropping) experience.
    - 15 Nov 15, 8:28pm -

Financial Highway

  • Investing 101: Start Small and Be Consistent

    - 27 Oct 15, 2:27am -
  • Do You Feel Prepared for Your Financial Future?
    This is a sponsored post that contains affiliate links. Many of us get so caught up in the now that we forget about the importance of preparing for the future. Unfortunately, according to a survey from John Hancock, many of us don’t feel ready for…
    - 14 Sep 15, 11:35am -
  • 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 -

The Financial Blogger

  • How You, Too, Can Capitalize Off Of Brexit
    How You, Too, Can Capitalize Off Of Brexit Despite the fact that some time before the British referendum to leave the European Union, four out of five European hedge funds had bravely put their money on the UK remaining in the EU, a certain number of…
    - 16 days ago 13 Jul 16, 4:07pm -
  • 5 First Steps to Building a Successful Budget
      Formal budgeting is often seen as a cumbersome exercise, yielding more tedium than tangible financial gains. Record keeping aside, the process does furnish valuable insight for those committed to tracking expenses and accounting for household cost…
    - 23 days ago 6 Jul 16, 12:02pm -
  • The 3 Greatest Moments in Stockbroking History
      Stockbroking has been around for centuries. The stock market was initiated on wanting to invest on a business and from that make profit off of its performance. This still remains the same today. Stock markets are very important today for they also…
    - 24 days ago 5 Jul 16, 12:51pm -
  • 4 Things You Need to Know about a Revolving Line of Credit
        Small business owners have several options when it comes to raising working capital – they can get a traditional small business loan with fixed payments, raise money from investors by selling shares of equity in the company, run up balances o…
    - 29 days ago 30 Jun 16, 12:35pm -
  • Stuck in a Payday Loan Trap? Here Are Some Ways Out 
      Payday loans can lead to cyclical dependence on a particular amount of money if you aren’t careful. This is the case with any loan product out there. Unfortunately, many lenders like banks, credit unions and payday loan companies restrict giving…
    - 45 days ago 14 Jun 16, 8:32pm -

Canajun Finances

  • The Business of University Fees
    For those of us who have kids about to return to University we are about to see the onslaught of fees that are charged by all Universities (in Canada). There are many fees being charged, but the two that caught my eye (on my daughter’s tuition bill…
    - 1 day ago 28 Jul 16, 6:53am -
  • Zap! Electricity Prices Pushes Inflation in June
    Stats Canada announced on Friday their monthly CPI report for June 2016, with the following two points: The Consumer Price Index (CPI) rose 1.5% in the 12 months to June, matching the gain in May. Excluding gasoline, the CPI was up 1.9% year over…
    - 4 days ago 25 Jul 16, 6:40am -
  • More Pensions, New CTC, and #MoneyTalk
    According to our friends at Stats Canada more Canadians are in Pensions (up by almost 1.2%), which really surprised me. This would suggest all this palaver and gum-flapping about Canadians not having enough money to retire was just Media over-reactio…
    - 7 days ago 22 Jul 16, 7:14am -
  • What is Couch Potato Investing?
    Happy Couch Potato Investors I had a friend ask me this question, What is Couch Potato Investing, and for those starting out, it may not be obvious what I mean when I talk about this variant of an investing concept. I present to you a simplistic prim…
    - 10 days ago 19 Jul 16, 7:06am -
  • Brexit Hurts, Loose Money, Postal Strikes, Recounts and #Moneytalks
    The Bank of Canada’s opinion is that Brexit is going to hurt the Canadian Economy (and its possible recovery) this year, which isn’t really news, but it is an interesting observation. This and a bunch of other information was reported by the Bank…
    - 14 days ago 15 Jul 16, 6:43am -

Where Does All My Money Go

Group Benefits Online

  • Lessons from a millionaire teacher
    My apology to all of the teachers who have been in my life over the years. My wife is a retired teacher and there have been many teachers in our family and circle of friends. Our school system does a poor job of teaching children about money – spen…
    - 11 days ago 18 Jul 16, 12:36pm -
  • 3 Ways to Maximize Your Group RRSP
    “Nothing is more expensive than a missed opportunity.” H. Jackson Brown Jr. Approximately 40% of Canadian companies offer some form of group retirement savings plan for their employees. Whether it’s a pension plan or a group RRSP, if you happen…
    - 18 days ago 11 Jul 16, 6:59am -
  • Three reasons people retire broke
    According to a recent study, roughly 40 per cent of Canadians would be unable to pay for an unexpected $200 expense without going into debt. I’ve spent over 20 years working with people and their money and reading all kinds of financial material an…
    - 45 days ago 14 Jun 16, 1:18pm -
  • What are your family financial values?
    My wife and I talk about money a lot.  While some studies suggest that money issues can be a significant catalyst for marital problems, I think having open lines of communication about money is extremely healthy.  I also think talking openly about…
    - 47 days ago 13 Jun 16, 12:17am -
  • Tax Freedom Day 2016
    Every year at this time, we start to prepare for summer and get ready to celebrate Canada Day.  Maybe there’s another day to celebrate this time of year.  Tax Freedom Day happened on June 7th this year. The Fraser Institute in Canada calculates…
    - 50 days ago 9 Jun 16, 7:50am -

Canadian Couch Potato

  • How Foreign Withholding Taxes Affect Returns
    In our newly revised white paper, Justin Bender and I explain the hidden cost of foreign withholding taxes on US and international equity ETFs. I gave an overview of the most important points in my previous blog post. Now let’s look at one of the m…
    - 11 days ago 18 Jul 16, 5:50am -
  • Foreign Withholding Taxes Revisited
    It might be the most eagerly anticipated sequel since The Force Awakens. Justin Bender and I have just completed the second edition of our popular white paper, Foreign Withholding Taxes: How to estimate the hidden tax drag on US and international equ…
    - 18 days ago 11 Jul 16, 5:14am -
  • Cost Versus Convenience in “ex Canada” ETFs
    I used to own one of those one-piece cutlery tools designed for hiking and camping—the kind with a knife, fork and spoon that all fold into a single unit. It was hardly ideal for eating, especially if you needed the fork and knife at the same time.…
    - 39 days ago 20 Jun 16, 8:03am -
  • The Real Problem With Inflation-Protected Bonds
    When I announced my stripped-down model portfolios at the beginning of last year, one of the asset classes I dropped was real-return bonds (RRBs). Part of the reason was simplicity: it’s easier to manage a portfolio of three or four funds compared…
    - 60 days ago 30 May 16, 5:24am -
  • Ask the Spud: Switching From e-Series Funds to ETFs
    Q: “I currently have $30,000 invested in the TD e-Series funds. When the time comes to move to ETFs, what is the best way to do this while still making automatic contributions? Should I put my biweekly contributions into a money market fund and the…
    - 88 days ago 2 May 16, 6:00am -

Balance Junkie

  • Teaching Kids the Joy of Giving
    In today’s society there is a big focus on self-indulgence. Whether it’s clothes, cosmetics, vacations, vehicles or the latest electronic device, marketing departments everywhere are constantly reinforcing the idea that “we’re worth it”. Th…
    - 4 days ago 25 Jul 16, 6:00am -
  • What is Your Effective Tax Rate?
    One of the sources of confusion for many Canadians is the way that taxes are described. We hear about tax brackets and tax rates, but it can be difficult to conceive of how much of our income is actually taxed. If you want a better idea of how much y…
    - 11 days ago 18 Jul 16, 6:00am -
  • The Best Aeroplan Credit Cards of 2016
    Over the years, Aeroplan has evolved into a broad rewards coalition, although it is still mainly associated with travel miles. Aeroplan credit cards allow you to find ways to earn rewards on a number of items, from food to hardware to travel. Most pe…
    - 18 days ago 11 Jul 16, 6:00am -
  • Why You Need to Talk About Money With Your Children
    I grew up in a household with two parents who were excellent money managers. Unfortunately they grew up in a generation which considered it rude to talk about money which meant that their financial lessons to their kids mostly consisted of the same m…
    - 25 days ago 4 Jul 16, 6:00am -
  • Should You Invest in Group RESPs?
    One of the best things you can do for your child’s future is to open a Registered Education Savings Plan for them. A good RESP can help you build up money for your child to attend university and get an education that will benefit him or her for the…
    - 32 days ago 27 Jun 16, 6:00am -

Boomer & Echo

  • newCreating Retirement Income: A Fixed Payment Strategy
    Once you stop working you may want to simplify your investment strategy. Your objective shifts from growing your investment portfolio to generating income. Flat and unpredictable markets, combined with historically low interest rates, can make this a…
    - 16 hours ago 28 Jul 16, 11:47pm -
  • Financial Planning For Couples: Buying A Home
    Buying a home will probably be the most expensive one-time purchase you’ll ever make. It can also be one of your best investments (housing values have historically increased over the long run) as long as you choose wisely and pick a house you can a…
    - 3 days ago 26 Jul 16, 5:23pm -
  • My TFSA Dilemma and Solution
    I embraced the tax free savings account with open arms when it was first introduced back in 2009. I made the maximum $5,000 contribution in 2009 and again in 2010. My TFSA game was strong, indeed, as I invested those funds in Canadian dividend paying…
    - 5 days ago 25 Jul 16, 12:15am -
  • Weekend Reading: Manufacturing A Raise Edition

    - 6 days ago 23 Jul 16, 11:00am -
  • Financing A Vehicle? Here Are Some Pitfalls To Avoid
    Information asymmetry occurs when one party in a transaction has more or better information than the other. I can’t think of a situation where this imbalance of power is more often on display than when it comes to buying a car. Think about it. The…
    - 8 days ago 21 Jul 16, 10:12pm -

Young and Thrifty

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 www.wheredoesallmymoneygo.com and Ram from www.canadiancapitalist.com 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

  • Fraser Institute Trying to Damn the CPP with Faint Praise
    The Canada Pension Plan will generate only a 2.1% real rate of return for Canadian workers starting out today, concludes Rates of Return for the Canada Pension Plan (May 2016) by Jason Clemens and Joel Emes of the Fraser Institute. Therefore, we Cana…
    - 70 days ago 20 May 16, 6:45pm -
  • Canadian Securities Administrators Ignore Rule #1 about Rules
    What's rule #1? A rule is not a rule unless it's enforced. Any two year old knows that if the parents say to do or not do something, unless there is a sanction that is actually applied, you can behave as you want. And that's what kids do. The rule do…
    - 89 days ago 1 May 16, 5:06am -
  • Visitors to Canada Beware - You might need a "not-a-visa" eTA
    Formerly, Brits, like my wife, travelling to Canada for a visit needed only their passport and no visa. That has changed, as from March 15, 2016 (with an interim grace period till the fall of this year) she and other foreign nationals, except US citi…
    - 7 Apr 16, 8:23am -
  • Yikes! Federal Budget Revives Support for Toxic Labour-Sponsored Funds
    It was a shock to see the recent Canadian Federal Budget measure to restore the 15% tax credit to encourage retail investors to buy into a proven loser investment vehicle, Labour-Sponsored Venture Capital Corporation funds. I, like almost every other…
    - 26 Mar 16, 10:43am -
  • BMO's SmartFolio Robo Investing Service Offers Convenience but Needs Improvement
    BMO's SmartFolio was officially launched Monday January 18th. Thus, one of Canada's major banks has finally entered the automated ETF portfolio investing space but its offering, while slick and convenient, needs improvements on costs, portfolio const…
    - 29 Jan 16, 5:42am -

Canadian Dream: Free at 45

  • Canada Child Benefit – Update
    As you may recall I have a long history of taking any government issued money for my kids and putting it into their RESP account.  Yet as we started to make more income over the years and the kids got older, we slowly got less money and I just decid…
    - 4 days ago 25 Jul 16, 6:46am -
  • What I’m Going to Do With All That Time
    Oddly, I’ve noticed that number one question I get from someone when I mention my early retirement plan is: what are you going to do with all that time? Which I find odd, since I would likely ask: how do you make that work?  But anyway, I thought…
    - 7 days ago 22 Jul 16, 1:23pm -
  • Educating Your Kids About Money
    Warning: This isn’t a post telling you how to raise your kids, the following is purely what we have chosen to do. I expect that most people would assume that my personal finance obsession would lead me to have children who can write a financial pla…
    - 14 days ago 15 Jul 16, 6:15am -
  • What Do You Tell The Kids?
    Dee asked a few questions the other day with respect to kids and early retirement. How old will your kids be when you retire? I remember my mom retired for my last year of high school and I had to get myself up and to school while she slept in. She d…
    - 17 days ago 12 Jul 16, 5:56am -
  • Alternative Realities
    So deegee asked an interesting set of questions the other day: What would your “number” be if you and your wife were to fully retire and generate zero income (instead of the combined annual $12k) for the next ~5 years? And what would your “numb…
    - 21 days ago 8 Jul 16, 6:38am -

Sustainable Personal Finance

  • Stock Arbitrage: Tread Carefully and There Are Profits to be Made
    When people think of Warren Buffett, the greatest investor of all time, they often focus on his knack for picking cheap stocks, or the extra free leverage gained by his massive insurance operations, or even Berkshire Hathaway’s new focus of buying…
    - 22 days ago 7 Jul 16, 6:36am -
  • Financial Reminders for New Parents
    New parents have a lot going on between the sleepless nights, dirty diapers and piles of laundry. This isn’t all that new parents must consider either, as financial considerations necessarily change as soon as a new child is brought home.  Bringin…
    - 27 days ago 2 Jul 16, 6:12am -
  • Answers to the Most Frequently Asked Questions About online trading
    Online trading has become very popular because it is a way of making money. Despite its popularity, there is still a lot that people don’t know about forex trading. CMC Markets would like to help you make wise decisions when it comes to matters of…
    - 30 days ago 29 Jun 16, 5:37pm -
  • Fixed vs. Variable: Which Mortgage Should You Get in 2016?
    With home prices in Toronto and Vancouver seemingly going up thousands of dollars per month, many Canadian buyers are desperately seeking to buy houses, worried the market will zoom by and they’ll be stuck renting forever.Meanwhile, millions of cur…
    - 35 days ago 24 Jun 16, 6:14am -
  • Will a Dividend Capturing Strategy Yield Free Money?
    We all like free money, right?I know I sure do, which is why I immediately became interested in a strategy called dividend capturing. It works something like this.You find a stock that pays a very generous dividend. Right before that dividend gets pa…
    - 50 days ago 9 Jun 16, 6:00am -

Dividend Ninja

  • How To Set and Achieve Dividend Retirement Goals
    This is a guest contribution by Ben Reynolds at Sure Dividend.  Sure Dividend uses The 8 Rules of Dividend Investing to find high quality dividend growth stocks suitable for long-term holding.The ‘holy grail’ of a dividend investing is when di…
    - 42 days ago 17 Jun 16, 5:00pm -
  • Tips For Investing For Your Retirement
    Gone are the days when you could work for the same company for your entire career, then retire and receive a nice pension in your golden years. Now, you must exercise the discipline to save money for your own retirement. One of the most important thi…
    - 29 Feb 16, 8:21am -
  • 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 www.canadianmoneysaver.ca Although dividend investing can seem overwhelming and complicated, it really does…
    - 14 May 14, 11:00am -

Michael James on Money

  • newShort Takes: Hedge Fund Red Flags, ETF Pairs for Tax-Loss Selling, and more
    Here are my posts for the past two weeks:Aren’t the Banks the Investing Experts? Temporarily Losing Money on Stocks is Inevitable Here are some short takes and some weekend reading:A Wealth of Common Sense takes a look at a hedge fund claiming mira…
    - 11 hours ago 29 Jul 16, 4:30am -
  • Temporarily Losing Money on Stocks is Inevitable
    A common theme among investors who get poor returns over the long run is that they change their investment approach whenever stocks drop sharply. This applies to those who pick their own stocks, ETFs, or mutual funds, but I see it more often with th…
    - 1 day ago 28 Jul 16, 4:30am -
  • Aren’t the Banks the Investing Experts?
    I listened to a few young people discuss where to go for help investing some savings and one asked whether the banks are the right experts. After all, they handle all the money. Wouldn’t they know more about investing than anyone else? It has ta…
    - 2 days ago 27 Jul 16, 4:30am -
  • Short Takes: Trailing Commissions, Spooking Index Investors, and more
    I’m losing track of the days while on vacation, so I’m a day late with my short takes. Here are my posts for the past two weeks:Possible Ban on Trailing Commissions No Fear: Tales of a Change Agent Home-Buying Dreams Here are some short takes and…
    - 13 days ago 16 Jul 16, 4:30am -
  • Home-Buying Dreams
    I’ve written several times about the benefits of renting in Canada’s high-priced housing market (see here, here, and here). What I hear back from many young people is some version of the following:But owning a home is one of my dreams. I want t…
    - 15 days ago 14 Jul 16, 4:30am -

Canadian Mortgage Trends

  • newTop Performers: Christine Xu
    By Vanessa Chris, Special to CMT Some brokers have crowded trophy cases. Christine Xu is one of them. Xu has appeared on the CMP Top 75 four times, landed on the CMP Hot List twice, been recognized as one of Canada’s top 10 commercial brokers, rec…
    - 17 hours ago 28 Jul 16, 10:53pm -
  • B.C.’s Isolationist Tax
    The B.C. government’s “blame non-resident homeowners” campaign is now officially out of control. Provincial leaders have just molested international homebuyers with a savage 15% land transfer tax. Worse, and incomprehensibly, they’ve applie…
    - 2 days ago 27 Jul 16, 10:46pm -
  • BFG and RMA Join Forces
    Broker Financial Group (BFG) and Real Mortgage Associates Inc. (RMA) announced today that they plan to unite. The two brokerage companies say they’ll enter a joint share purchase agreement and take ownership in the other. The reported benefits of t…
    - 4 days ago 25 Jul 16, 2:58pm -
  • Mortgage Career: intelliMortgage
    Company: intelliMortgage Position: Mortgage Fulfillment Specialist Location: Mississauga, ON Send resume to: info@intellimortgage.com Mortgage Fulfillment Specialist This is your opportunity to join one of Canada’s most exciting mortgage teams. int…
    - 4 days ago 25 Jul 16, 9:14am -
  • Badass Brokering: Proven Keys to Sales Success
    By Mike Cameron, Special to CMT This article is the first of a four-part series adapted from Mike Cameron’s presentation “Badass Brokering: Proven Keys to Sales Success.” Mike has delivered these talks across the country, including at the Mort…
    - 7 days ago 22 Jul 16, 2:36pm -

Before You Invest

  • 5 Things You Need To Know Before You Invest In Commercial Real Estate
    Simply performing basic commercial property research is rarely sufficient to ensure novice investors are able to learn enough to avoid the most common and costly mistakes. Taking advantage of the assistance and guidance offered by commercial property…
    - 77 days ago 13 May 16, 11:15am -
  • Signs You’re Ready to Invest in Your First Condo or House
    How do you know you’re ready to buy your first condo or house? Here’s a checklist of seven key things that every first-time homebuyer should have in place before buying a new home – no matter which way the housing market is headed. Toronto Cond…
    - 90 days ago 30 Apr 16, 7:09am -
  • What Do I Need to Qualify for a Loan?
    A lender may require that you use a co-signer if he or she does not believe that you have the ability to repay the loan. This means that you will need to find someone who has a good credit score and history to act as a co-signer. In the event that yo…
    - 28 Jan 16, 6:15am -
  • 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 -

Give Me Back My Five Bucks!

  • 2016 Annual Goals: Q2 Review
    I know I’ve said this more than once this year, but 2016 is flying by. I can’t believe the year is more than half over, I can’t believe RD and I are about to celebrate our one-year anniversary, and I can’t believe I’ve already been at my jo…
    - 15 days ago 14 Jul 16, 6:00am -
  • July 2016 Goals
    It’s full-on summer now, and I can’t wait to spend as much time as possible outside over the next two months. :) This month is going to be a low more low-key than June, with most of the month spent in the city. But city life = more entertainment…
    - 21 days ago 8 Jul 16, 6:00am -
  • June 2016 Goals: Recap
    This was such a fun month because it’s finally summer here in Vancouver, and that means hiking season! This month I tackled Elk & Thurston Mountain, the Sea to Summit trail, Skyline Ridge, and then RD and I went and hiked 3 days of the Sunshine Co…
    - 24 days ago 5 Jul 16, 6:00am -
  • Why I don’t want to be self-employed
    I was 29 when I quit working in a cubicle and became self-employed. It was a huge step, and I was excited to experience the freedom of setting my own schedule, working wherever and whenever I wanted, and creating a lifestyle that I had always dream…
    - 39 days ago 20 Jun 16, 6:00am -
  • You know you’re in financial trouble when…
    When I was in college, we had to do a mandatory 4-month co-op during the summer between our first and second year. I wanted to do something in marketing or event coordination, but couldn’t find anything in Victoria. I did, however, find a position…
    - 44 days ago 15 Jun 16, 6:00am -

Invest It Wisely

  • London: Is It Too Expensive For New Businesses?
    The allure of London is strong for anyone who’s grown up in the sticks, those places where a cover band in the local pub is about as close to cosmopolitanism as they’ll ever get. To a lot of people  outside of major cities, London is a capital f…
    - 20 days ago 9 Jul 16, 5:09am -
  • Top Reasons Small to Medium Enterprises Should Invest in Software
    Software isn’t just for large organisations; as technology becomes the critical path through which most financial and strategic decisions are made, investing in software can help to accelerate growth and promote good performance. SMEs may not have…
    - 21 days ago 8 Jul 16, 7:00am -
  • Find Success in the Markets by Understanding Currency Pairs
    Currency pairs are a subject that definitely get the most questions, according to Forex experts. Those new to the world of Forex trading may be often confused by all of the talk about indicators, candlesticks or technical analysis when really, they n…
    - 22 days ago 7 Jul 16, 3:01pm -
  • Data Breaches in 2016 Will Probably Break the Record
    Even though 2015 is still the record year for data breaches, it seems 2016 may surpass 2015’s numbers. In 2015, there were exactly 3,930 data breaches reported. In the first quarter of 2016, data breaches were 6% higher than in the previous year du…
    - 46 days ago 13 Jun 16, 1:05pm -
  • How to Maximise Your Investments and Acquire Greater Benefits with Forex and CFDs
    There’s no need to tell you that saving money is a good idea, but investing is much, much better. Why not put your money in income-producing assets? Why not make your money work for you? However, investing can be risky and you need to know what you…
    - 64 days ago 26 May 16, 12:22pm -

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

Riscario Insider

  • WHY DO I NEED INSURANCE? | QanA #1
    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 -
  • GET/GIVE TONY ROBBINS NEW BOOK “MONEY: MASTER THE GAME”
    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 -
  • UNDERSTANDING THE INGREDIENTS OF LIFE INSURANCE (TERM AND PERM)
    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 -
  • HOW CAR BRANDS CAN IMPROVE THE SHOPPING PROCESS
    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 -
  • KEEPING PROMISES: CORPORATE GOVERNANCE 2014 IN CANADA
    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

  • Win $1,000 Cash & Snag Our Top Rated Student Credit Card
    Is $1,000 falling from the heavens a blessing or a curse? When I think of the trouble I might have gotten into as a freshmen after winning RateHub.ca’s Student Budget Refresh Contest – well, I get a bit of a smile on my face and a shiver down my…
    - 18 Jan 16, 10:00pm -
  • 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…
    - 19 Jul 15, 9:53pm -
  • 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 -

Thirty Six Months

  • 5 Ways That Smartphones Have Changed Businesses
    Over the years, smartphones have developed massively and, in turn, this has impacted on the business world for the better. And we’re not just talking about communication and using the calendar app to set up a meeting – quite simply, a plethora of…
    - 25 Feb 16, 9:25am -
  • Time is running out! Prep your Xmas outfit now!
    You’re running out of time! You’re counting down the days and pulling out your hair and watching your blood pressure rise in line with your panicked face. Your predicament? You’ve only got a few weeks to choose you Christmas outfit for the work…
    - 23 Nov 15, 10:21pm -
  • Stress Factor: Learn How to Deal it For Good
    Stress is the ultimate silent killer. Better than any apex predator, stress can strike you down when you least expect it. The success rate of stress relies on its ability to exist unseen, and the cumulative effects of its presence are usually fatal.…
    - 31 Oct 15, 6:05pm -
  • How to Shop Online Like a Pro. Pajamas are Optional
    These days, everything seems to revolve online. Email, social media, cloud computing – the world is getting so digital, you’d be hard pressed to find anything that’s not connected online or has a hashtag following it around like a Vampire’s f…
    - 29 Oct 15, 6:03pm -
  • 7 Simple Reasons to Take a Hike
    Take a hike! It’s literally awesome for your mind, body and soul. Hiking is probably one of the most underrated exercises out there because people tend to think it’s easy and you won’t burn as much calories to stay in shape due to all of the wa…
    - 27 Oct 15, 6:01pm -

How To Save Money

  • Do You Really Need Car Rental Insurance?
    July 28, 2016 @ 8:00 am by Stephen WeymanThis article was written in partnership with LowestRates.Car rental insurance is ridiculously expensive…… taking both the liability insurance and car damage or replacement coverage can easily double th…
    - 1 day ago 28 Jul 16, 5:00am -
  • You Only Live Once, So Don’t Blow It!
    July 26, 2016 @ 8:00 am by Maria WeymanTo save or to yolo? That’s the question.Can the battle between frugality and “living life” cease to exist? And if so...How do you strike that elusive balance?Let’s examine “balance”, shall we?…
    - 3 days ago 26 Jul 16, 5:00am -
  • 5 Best Ways to Redeem Your Expiring Air Miles
    July 18, 2016 @ 10:07 pm by Stephen WeymanYou know those Air Miles you’ve been collecting for what seems like an eternity?Well, they’re about to start expiring!The fact is that any individual mile you’ve had for more than 5 years will exp…
    - 11 days ago 18 Jul 16, 7:07pm -
  • 11 Signs Your Financial Advisor Is Robbing You Blind (And How To Stop It!)
    July 12, 2016 @ 9:00 am by Stephen WeymanInvesting your money is complicated at best. And downright scary at worst.With seemingly unlimited investment options available and no formal training on how financial markets work, you naturally turn to a…
    - 17 days ago 12 Jul 16, 6:00am -
  • Robo Advisors: What They Are and why You (and I) Might Need One
    July 07, 2016 @ 8:00 am by Stephen WeymanThis article was sponsored by ModernAdvisor.Even smart people can make stupid money mistakes.Take me for instance.Not to blow your socks off, but...I’m a reasonably smart guy.I worked hard and di…
    - 22 days ago 7 Jul 16, 5:00am -

My Own Advisor

  • newWeekend Reading – Bad products, financial goals, $3.5 million and $2 cars, and more
    Learn, save, invest and prosper with My Own Advisor.Welcome to some Weekend Reading – some August Long Weekend Reading at that.  Here are the articles I shared this week: Balancing YOLO (You Only Live Once) and Saving for Tomorrow An overview of…
    - 11 hours ago 29 Jul 16, 5:05am -
  • Canada Child Benefit (CCB) 101
    Learn, save, invest and prosper with My Own Advisor.This month, the new Canada Child Benefit (CCB) replaced the old Canada Child Tax Benefit, including the National Child Benefit Supplement and the Universal Child Care Benefit.  Today’s post will…
    - 2 days ago 27 Jul 16, 4:51pm -
  • Balancing YOLO and Saving for Tomorrow
    Learn, save, invest and prosper with My Own Advisor.What the heck is YOLO?  Is that a typo for Yo-Yo? No. It’s what the kids say these days:  You Only Live Once. True enough kids. But what does that mean when it comes to saving for tomorrow? Wha…
    - 4 days ago 25 Jul 16, 5:24pm -
  • Weekend Reading – DIY investing, Smith Manoeuvre, Canadians not saving and more
    Learn, save, invest and prosper with My Own Advisor.Welcome to some fine Weekend Reading friends.  The blog was busy this week – I managed to post three articles: This one about our 2016 financial goals This post about starting our journey out of…
    - 7 days ago 22 Jul 16, 4:16am -
  • CRM2 or in the plain language – investor sticker shock
    Learn, save, invest and prosper with My Own Advisor.You wouldn’t overpay for pizza or beers on a Friday night would you?  That’s because you know what you want and exactly what you’re paying for. The same cannot be said for millions of Canadi…
    - 9 days ago 20 Jul 16, 4:35pm -

Montreal Financial

Financial Uproar

  • The Canadian Guide To Whether You Should Incorporate
    It all started about a year ago. Actually, probably longer ago than that, most likely. I’m not good at using calendars. I still think it’s 1952. In an effort to save taxes, I started looking into the benefits of incorporating my small business. I…
    - 1 day ago 28 Jul 16, 4:20am -
  • How Minimalism Can Be Dangerous To Your Financial Health
    The post How Minimalism Can Be Dangerous To Your Financial Health appeared first on Financial Uproar.
    - 4 days ago 25 Jul 16, 4:20am -
  • It’s Never Been Easier To Put Money Away in RESPs
    You guys might think us here at the Financial Uproar machine (138 HORSES OF PURE POWER, BABY!) are somewhat anti-child. After all, I penned a piece back in the day saying you’ll probably end up richer if you don’t have kids. Saying that, there ar…
    - 8 days ago 21 Jul 16, 8:00am -
  • Why Are You Morons Still Living in Vancouver or Toronto?
    Let me tell you a story about the teachers in my small town in Alberta. I promise, there’s a point to it that isn’t just me shaking my fist about how they all get two months of vacation. Oh, sorry. I mean “deserved time off”, obvs. Related:…
    - 11 days ago 18 Jul 16, 4:20am -
  • How I Made $30,000 Last Week
    …And no, the answer isn’t by selling drugs. C’mon, man. Y’all might remember back in the day when the wife and I were thinking of buying a house. This didn’t go so well for a few different reasons, the main one being that we had a price ran…
    - 15 days ago 14 Jul 16, 4:20am -

Modest Money

  • newAre You Getting Married? Smart Investment Moves Before You Say “I Do”
    Marriage is an exciting time in a couple’s life. But meshing the two lives together can sometimes be tricky to do, especially when it comes to money. If you haven’t…The post Are You Getting Married? Smart Investment Moves Before You Say “I D…
    - 1 hour ago 29 Jul 16, 2:10pm -
  • newBetterment Review – Insider Investing Scoop
    Betterment in a Nutshell Betterment is all the rage for new investors, and for good reason. Betterment allows normal people to start investing in a proven portfolio of stocks and…The post Betterment Review – Insider Investing Scoop appeared firs…
    - 7 hours ago 29 Jul 16, 8:47am -
  • newAnalysts Upgrade Apple (AAPL). Here’s Why
    Tech giant Apple (AAPL) has released its highly anticipated quarterly results earlier this week. Analysts as well as investors have weighed in on the company that makes the popular iPhone,…The post Analysts Upgrade Apple (AAPL). Here’s Why appea…
    - 15 hours ago 29 Jul 16, 12:46am -
  • Cliffs Natural Resources (CLF) Gains on Strong Earnings
    Cliffs Natural Resources Inc (NYSE: CLF) Cliffs Natural Resources is having a strong day in the market today, and for good reason. The company released earnings for the most recent…The post Cliffs Natural Resources (CLF) Gains on Strong Earnings a…
    - 1 day ago 28 Jul 16, 2:13pm -
  • What Are Penny Stocks and Are They Worth Your Time?
    Penny Stocks – everybody’s heard of them, few have ever bought or sold them, and most people don’t quite know what they are. For the greenest of green investors, Penny…The post What Are Penny Stocks and Are They Worth Your Time? appeared fir…
    - 1 day ago 28 Jul 16, 7:00am -

Mo' Money Mo' Houses

  • 20 Personal Finance Blogs & Podcasts You Need to Check Out This Year
    The other week, I finally got around to crossing one of the big things off my to-do list. I’ve been meaning to revamp my blogroll (or recommendations list) since I rebranded back in January, but I didn’t want to just put up a regular list with li…
    - 12 days ago 18 Jul 16, 3:00am -
  • 4 Women Who Will Inspire You to Crush Your Debt
    4 readers share their debt-payoff stories to inspire and motivate others to crush their debt too and never give up!The post 4 Women Who Will Inspire You to Crush Your Debt appeared first on .
    - 26 days ago 4 Jul 16, 3:00am -
  • Top 5 Things You Need to Know About Money After Graduation
    I hope you were able to watch my first ever Facebook livestream with my sister Sarah on how to navigate life and money after graduation. If not, I’ve posted it on YouTube so you can check it out (or just click below). I’ve also made it into a s…
    - 33 days ago 27 Jun 16, 3:00am -
  • One Week in Paris: How to See It All on a Budget
    My one week in Paris trip was definitely an adventure! I was hoping for a nice, relaxing week of bread-eating and gallery-hopping, but instead it was 7 days of strikes, floods and colds. But still, I had an amazing time in the City of Lights and I…
    - 47 days ago 13 Jun 16, 3:00am -
  • Top 10 Places You Should Visit this Summer if You’ve Got a Tight Travel Budget
    This post is sponsored by KAYAK. All opinions and thoughts are my own. I’m going to be travelling quite a bit this summer, starting with a girls trip to Portland, a week in Paris for my 30th birthday, a few days in Vancouver for a wedding and who c…
    - 52 days ago 8 Jun 16, 3:00am -

Earth and Money

  • What is The Most Effective Home Remedy for Dandruff?
    The most effective home remedy for dandruff is, ‘keep your hair clean’. Women miss this out to pace up with their restless schedule. Dirty hair is the root to dandruff. If you want to free your scalp of dandruff, just focus on keeping your scalp…
    - 20 days ago 9 Jul 16, 5:19am -
  • Blackhead Removal – Can Blackheads Be Effectively Treated?
    Yes, there are effective blackhead removal treatments, and you can begin the steps towards having clearer skin starting now! Truth is, any form of acne, especially blackheads, can be unsightly and the source of self-consciousness and embarrassment. F…
    - 24 days ago 5 Jul 16, 2:47pm -
  • Fast And Natural Approach to Ringworm Treatments
    Ringworm is one of the most embarrassing skin infections that one can get. The clear ringlike formations are easily noticed by others. Ringworm is a fungal infection. There are some regularly used choices to get rid of the ringworm fungus. While ther…
    - 28 days ago 1 Jul 16, 10:37am -
  • Get Rid Of Constipation Fast
    Most of us would rather not have constipation, but when we do, we want to get rid of it quickly. Have you ever wanted to know how to get rid of constipation fast? Well in this article, I going to give you some information that can help quickly get ri…
    - 32 days ago 27 Jun 16, 9:07am -
  • A Basic Blackhead Removal Regimen Anyone Can Follow
    To win the war against blackheads, you need a solid blackhead removal gameplan. And this gameplan is to ultimately keep your skin as clean and clear of oil/debris as much as possible. Finding the right skin care regimen can be particularly challengin…
    - 34 days ago 25 Jun 16, 8:11pm -

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

Money Pincher

  • Child Prams- The best way to pick the best one for yourself
    For a long time, creators of children equipment have come up with many exclusive designs of accessories for babies, designed to make our everyday life much easier. Certainly, one of the best examples of those are the child pushchairs. Presently, the…
    - 14 days ago 15 Jul 16, 10:19am -
  • Precisely, What Are 3 in 1 Travel System
    If you are a totally new mother or father, chances are that you might not know of Travel Systems. This is understandable simply because they’re even now a relatively new notion. What they may be is fundamentally the fusion of a stroller in conjunct…
    - 24 days ago 5 Jul 16, 12:00pm -
  • Various Types of Pram And Pushchair
    A baby pram is one of the most significant buys you will have to make after a baby is born. Although, because you’ll find a great number of pushchairs available to purchase, it is very important that you look for a pram that is both comfortably and…
    - 35 days ago 24 Jun 16, 4:48am -

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 hotel.com, priceline.com or booking.com, 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

The Investment Blog

  • Q&A: I’m Interested In Investing, What Should I Do With My Money?
    Reader Question: I’m a highschool student and I am very interested in investing and economics. I am wondering what is the best thing to do with the money I have save so far. I suppose that one major question that answers mine is what do I wish to a…
    - 67 days ago 23 May 16, 10:06pm -
  • Some Perspective For The Volatile Energy Sector & MLPs
    2015 has been an interesting year with lots of volatility.  In particular, was the decline of energy sector stocks and MLPs.  Most of these have seen their prices plummet across the board, sending investors panicking towards the exit en masse. Time…
    - 28 Dec 15, 6:20pm -
  • 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. ...read 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: http://www.sec.gov/Archives/edgar/data/1067983/00009501…
    - 28 Feb 15, 11:14pm -

Recommended Broker

  • A PhD degree will not make you filthy rich. Then what?
    Education is important, it is even essential to succeed in our overly competitive world. However, achieving the highest possible level of specialization has never been a goal to those, who make the list of the wealthiest people in the world.… Read…
    - 10 Jan 16, 2:22pm -
  • Toronto, Vancouver – Cities of Millionaires?
    Regardless of what the balance of your saving account is, if you live in a single family detached home in Toronto or Vancouver, you can claim to be a millionaire.The price of housing in these two cities is relentlessly… Read the rest
    - 9 Nov 15, 9:30am -
  • Mansions at 50% off
    The magic power of oil is amazing. When prices of crude are on the way up, housing prices start flirting with the sky, Bentley dealerships start popping up, and pricey restaurants are busier than ever. When the wind starts blowing… Read the rest
    - 5 Nov 15, 9:19am -
  • Debt free – is it worth it?
    It is an adage dilemma – should I avoid debt, or if I already have one (mortgage, for example) should I try to pay it off as soon as possible. Some people really hate having debt, some don’t care that… Read the rest
    - 4 Nov 15, 9:01am -
  • 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 … Read the rest
    - 1 Aug 15, 2:09pm -

Rewards Cards Canada

  • How Would You Spend 52,436 Aeroplan Miles?
    What’s the best way to spend 52,436 Aeroplan miles? This oddly specific question from an Aeroplan collector found its way into my inbox recently. There are several ways to spend that many Aeroplan miles depending on where you live, if you’re s…
    - 30 days ago 29 Jun 16, 10:23pm -
  • Walmart Canada To Stop Accepting Visa Cards This Summer
    Walmart Canada raised eyebrows this weekend when the retail giant announced it will no longer accept Visa cards after failing to reach an agreement with Visa Canada over credit card fees. Walmart, which has more than 400 locations across Canada, wi…
    - 47 days ago 12 Jun 16, 8:35pm -
  • Scotia Adds Grocery Rewards To Its Credit Card Lineup
    I’ve said before that Scotiabank offers the best overall suite of credit cards on the market. This week Scotia teamed up with the Overwaitea Food Group to launch its first grocery rewards card with the introduction of the new Scotiabank More Rewar…
    - 58 days ago 1 Jun 16, 12:07pm -
  • Busting Aeroplan Myths
    I’ve taken my share of swings at the Aeroplan loyalty program, sharing stories of outrageous fees on flight redemptions, trouble transferring points when a spouse dies, and how Aeroplan flight rewards can be more expensive than cash fares. The bot…
    - 80 days ago 10 May 16, 12:35pm -
  • How Loyal Are You To Your Loyalty Rewards Program?
    I’m a big fan of using a rewards credit card for my everyday spending to collect points and earn cash back. Even better if I can pair up my purchase with a loyalty program to earn freebies and perks at the places where I shop the most. With hundred…
    - 87 days ago 3 May 16, 11:01am -

Canadian Mortgage Advisor

  • Rate forecast – indicators
    If the bond yield curve did not improve – rather went down – would the rates improve in short term? What do you think?    The post Rate forecast – indicators appeared first on Canadian Mortgage Advisor.
    - 80 days ago 10 May 16, 9:41pm -
  • Ontario mortgage brokers – How many are there?
    The post Ontario mortgage brokers – How many are there? appeared first on Canadian Mortgage Advisor.
    - 80 days ago 10 May 16, 9:36pm -
  • 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…
    - 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 -

Miiockm

  • July 2016 Net Worth Update -0.68% Goodbye RRSP's
    I've now liquidated the last of my RRSP's in anticipation of a big life change coming up. The tax implications of the withdrawal will be negligible because I did not claim the full deduction amount previously. The only reason I  contributed to…
    - 21 days ago 9 Jul 16, 12:07am -
  • May/June 2016 Net Worth Update +1.18%
    I missed reporting my May 2016 net worth and I'm disappointed with myself for it.I was travelling in Asia again at the beginning of May and was distracted with a lot of things, but that really isn't an excuse. The truth is that I haven't given much t…
    - 55 days ago 4 Jun 16, 8:47pm -
  • April 2016 Net Worth Update +4.99%
    April 1, 2016TFSA - $45,052.79 +6.49%RRSP - $3,853.17 +3.09%Stocks - $0(purchased this month = $0)Chequing - $790.90Total: $49,696.86Gain:  +4.99% or +$2,363.31
    - 12 Apr 16, 7:26pm -
  • Feb/March 2016 Net Worth Updates - Tough times and Reflection
    It's been exactly a year since I broke through the $50k barrier and yet here I am today almost three thousand dollars below that mark. At the time I was still struggling with my daily expenses and cash flow, but overall my numbers were still going up…
    - 1 Mar 16, 10:45pm -
  • 2016 TFSA Limit = $5,500
    The CRA has announced that the annual TFSA contribution limit for 2016 will be $5,500. This makes the total possible contribution room since introduction a sizeable $46,500. 2016: $5,5002015: $10,0002014: $5,5002013: $5,5002012: $5,0002011: $5,000…
    - 1 Jan 16, 11:55pm -