The Globe And Mail

Financial Post

Rob Carrick

Million Dollar Journey

  • newStock Market Momentum, Market Volatility, Investing with Conscience, Emotional Side of Retirement and more!
    Reminder, this free promo will expire at the end of this month! For a limited time, Market Club is offering a free 2-week trial on their stock trading tools (reg $8.95/trial then $59/month). What makes it even better is that no payment information is…
    - 18 hours ago 24 Oct 14, 5:30am -
  • Getting Exposure to the Canadian Energy Industry
    With oil prices falling to 52 week lows,  energy company stock prices are following suit with their own aggressive decline.  These low prices are bound to attract value investors like a number of readers that have recently contacted me. The main th…
    - 5 days ago 20 Oct 14, 5:30am -
  • Starting or Growing a Business? Take Advantage of Business Support Organizations
    In previous posts, we looked at different business models and how to write a business plan to aid entrepreneurs. In addition, having a helping hand during the initial start-up phase and subsequent operational stage of a business will go a long distan…
    - 9 days ago 16 Oct 14, 5:30am -
  • How To Survive On Only $100 a Month in Groceries
    In my recent article in the Globe and Mail, I’m on track to be mortgage-free by 31, the most common question I received was how I could possibly survive on only $100 a month in groceries. If your family is like most, groceries are your second highl…
    - 11 days ago 14 Oct 14, 5:30am -
  • High-yield Stocks, Middle Class, Spousal RRSPs, Forex Trading and more!
    For you stock traders out there, for a limited time, Market Club is offering a free 2-week trial on their stock trading tools (reg $8.95/trial then $59/month). What makes it even better is that no payment information is required, so no need to cancel…
    - 15 days ago 10 Oct 14, 5:30am -

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

  • Overview of CPP Disability Benefits: Are You Eligible?
    One of the scariest situations is becoming disabled and unable to work. You might want to provide for your family, but your disability can stop you from being able to perform your job. No one likes the idea of being unable to do what he or she used t…
    - 5 days ago 20 Oct 14, 3:00am -
  • Make the Most of Your Money: Investing Your Charitable Donations Credit
    When you make charitable contributions, you receive benefits that are both financial and emotional. First of all, you know that you are likely to feel good about your charitable contribution. The feelings that accompany generosity are worth it in and…
    - 11 days ago 14 Oct 14, 3:00am -
  • How Much Money Do I Need to Retire?
    We’re all looking for a way to secure a future. It’s common to have dreams of a good retirement, with plenty of money to enjoy life. However, you can’t expect to just have enough money to live on if you want to be comfortable. You have to plan…
    - 19 days ago 6 Oct 14, 3:00am -
  • The Basics of the Smith Manoeuvre
    In the United States, mortgage interest is tax deductible if you meet certain qualifications. However, mortgage interest isn’t tax deductible here in Canada. That doesn’t mean that there aren’t a few cool tricks that you can use to improve your…
    - 26 days ago 29 Sep 14, 3:00am -
  • A Look At Canadian Personal Finances
    Years ago, when Mint launched in Canada, they decided to run a poll to see how Canadians handle their finances. It’s interesting to get an idea of the personal finance trends that dominate our culture, especially since you can compare your misstep…
    - 33 days ago 22 Sep 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

  • Strategies to deal with market volatility
    Last week, I wrote about the 5 realities of the stock market.  From these points, it is easy to see that short term irrational behavior can be the biggest mistake made by any investor.  This week the markets continue to jump around so I thought is…
    - 3 days ago 22 Oct 14, 12:32am -
  • What to do when the Markets Are Falling
    “I will tell you how to become rich. Close the doors. Be fearful when others are greedy. Be greedy when others are fearful.” – Warren Buffett The past few weeks have seen some turbulence in the stock markets that has ignited the flame of fear a…
    - 5 days ago 20 Oct 14, 12:45am -
  • The Five Realities of the Stock Market
    The stock market is often misunderstood especially during periods of high volatility.  What we believe should be reality is sometimes not.  Back in 2001, I wrote a special report called Peace of Mind in Uncertain Times after the beginning of the te…
    - 9 days ago 16 Oct 14, 12:44am -
  • Financial tips when getting re-married
    The most recent information I could find on the divorce rate in Canada comes from the Employment and Social Development Canada web page and it was dated 2008. According to this source, 41% of marriages will end in divorce but the national average flu…
    - 10 days ago 14 Oct 14, 1:41pm -
  • Account Value vs Account Balance
    “Success is found on the other side of fear.” – Unknown Over the past few weeks I’ve had a number of individual meetings with people whose level of confidence and experience when it came to investing was quite low. I found it interesting that…
    - 12 days ago 13 Oct 14, 12:38am -


Financial Highway

  • 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…
    - 5 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…
    - 10 days ago 15 Oct 14, 5:00am -
  • 5 Tips for Writing a Winning Cover Letter
    The job market is tough right now, and that makes it all the more important for you to stand out when applying for a job. One of the best ways to stand out is to write a cover letter that highlights your qualifications, and catches the positive atten…
    - 11 days ago 14 Oct 14, 5:00am -
  • Seven New Websites We’re Excited About
    No matter what your background, making a great income, saving money, and managing personal finance are important. With this in mind, we’ve discovered seven websites that can help you become an even more effective money manager. Some are brand new,…
    - 33 days ago 22 Sep 14, 4:00am -
  • 10 Great Ways to Be Generous on a Budget
    Love to be generous with your friends and family? Tired of having the gift giving and “chipping in” budget be out of control when you are scrimping and saving in every other area? It can be hard to have finally carved out the time and money to go…
    - 61 days ago 25 Aug 14, 5:04am -

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…
    - 43 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

  • newOttawa We Shall Remember, Bank of Canada and #BestThisWeek
    The week was going along just fine until the events of the 22nd showed that no matter how wonderful a place you live, there are always lunatics, and zealots who want to ruin it all. My thoughts and prayers go out to the families of the two brave youn…
    - 18 hours ago 24 Oct 14, 5:11am -
  • Redux: Real World Example: Kids Allowances
    Back in 2005 just when I was starting to blog, I never really knew what I was going to write about (nothing much has changed), so I wrote about the system I put in place to make sure that my kids got their allowances. I still do use these accounts to…
    - 2 days ago 23 Oct 14, 6:07am -
  • Tales of Financial Persistence
    Yesterday I was relentless in reaching my goal of erasing from my monthly bills one of the most embarrassing charges I could have, as a High Tech Financial Blogger, and that is paying for America On Line services. It all started in 1993 when I first…
    - 4 days ago 21 Oct 14, 6:16am -
  • Reversing Mutual Fund Purchases
    TD’s Mutual Fund group proved yet again why I really don’t like dealing with them. Some might ask, “Why do I have so many TD Mutual Fund accounts?”. Surprisingly because I had a group of CT Mutual Fund Accounts, that changed over to TD Mutual…
    - 5 days ago 20 Oct 14, 6:05am -
  • Crashing Markets, Ebola, Low Loonie, Cheap Gas and #BestThisWeek
    As predicted a market correction is happening (where predicted means, 8 out of the last 2 market corrections have been correctly predicted), and the world is excited. We have the crazed old sages saying, “See I told you!“, others saying, “Nothi…
    - 8 days ago 17 Oct 14, 5:01am -

Where Does All My Money Go

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

Group Benefits Online

  • 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…
    - 17 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…
    - 30 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…
    - 30 days ago 24 Sep 14, 6:26pm -
  • Alberta’s new pension legislation effective September 1
    It’s finally come . . . Alberta’s new pension legislation will be effective September 1, 2014 The Alberta Employment Pension Plans Act received Royal Assent in December 2012. The proclamation was delayed pending the drafting and approval of the…
    - 68 days ago 18 Aug 14, 10:47am -
  • Basics of Emergency Travel Insurance
    When you’re travelling across Canada or to another country you could face an unexpected medical emergency. Emergency Travel Insurance is part of most group benefit plans and is designed to make your business or pleasure travel worry free. Many pla…
    - 20 Jun 14, 7:56am -

Canadian Couch Potato

  • newDo You Have the Advisor Six-Pack?
    When people criticize the financial industry in Canada, the target of their wrath is usually high fees and underperformance. These are huge issues and, of course, they go hand-in-hand. But the more I work with new clients who arrive after using other…
    - 17 hours ago 24 Oct 14, 6:00am -
  • Three Reasons to Ignore Market Downturns
    “Long-term investors shouldn’t worry about daily or weekly blips in the markets.” How many times have you heard that? It’s true of course, but most investors don’t heed the advice. And to be fair, it’s hard to ignore the financial markets…
    - 5 days ago 20 Oct 14, 6:00am -
  • An Interview With Wealthsimple: Part 2
    Earlier this week I published an excerpt from my interview with David Nugent, portfolio manager of the online investment service Wealthsimple. In this second part of our interview, Nugent goes into more detail about the firm’s investment strategies…
    - 9 days ago 16 Oct 14, 3:30am -
  • An Interview With Wealthsimple: Part 1
    Wealthsimple is one of several online investment firms that have launched in Canada this year. They’ve often been referred to as robo-advisors, though they reject that name, and with good reason. While some parts of the process are automated, clien…
    - 11 days ago 14 Oct 14, 6:00am -
  • Vanguard Makes Its Move
    You knew it was coming: Vanguard Canada has dramatically reduced the fees on 11 of its ETFs. The announcement came this week, and it affects some of the most popular funds in the Vanguard lineup:ETFTickerOld feeNew feeVanguard FTSE Canada…
    - 15 days ago 10 Oct 14, 9:59am -

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,…
    - 40 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…
    - 44 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…
    - 57 days ago 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

  • Budgets, Cash Flow Plans, and Spending. Yawn.
    I know, I know. Budgets just sound like Remedial Personal Finance, don’t they? Everyone knows you’re supposed to budget, so what’s the point of another 800 words or so on the topic, right? There’s even a vague feeling that once you reach a ce…
    - 1 day ago 23 Oct 14, 3:57pm -
  • Retirement Planning For Late Starters
    We’re always hearing dire warnings about how woefully unprepared boomers are for retirement.  An Ipsos-Reid survey done for CGA-Canada reports that 25% of their respondents have never made a savings contribution and 29% said they had no money left…
    - 3 days ago 21 Oct 14, 4:17pm -
  • The Benefit Of Cash Back Rewards
    I’ve been a fan of cash back rewards for many years, and here’s why: With cash back, you’ll know exactly how much your points are worth, plus redeeming your rewards is easy. Most cash back credit cards offer you the choice of a statement credit…
    - 5 days ago 19 Oct 14, 8:42pm -
  • What Are You Doing With This Stock Market Pullback?
    The current stock market turmoil has prompted many investors to re-think their investment approach.  Should I buy on this dip, or wait for the bottom to hit?  Is this a good time to sell and take profits?  What about the long-term economic outlook…
    - 8 days ago 16 Oct 14, 2:00pm -
  • Why We Are Secretive About Our Money
    “Money is a dangerous subject.  Polite conversation avoids it.  You may talk about economics, but not raw money.”  – Max Plowman (1883 – 1941) People are generally quite gregarious.  We interact all the time and continually seek out the…
    - 10 days ago 14 Oct 14, 2:00pm -

Young and Thrifty

  • Book Review: 7 Habits of Highly Effective People by Stephen Covey
    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 22 Oct 14, 7:30am -
  • 4 Reasons Why You Might Not Want to Pay Down Your Mortgage ASAP
    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 19 Oct 14, 8:18pm -
  • Can You Trust Your Financial Adviser?
    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 12 Oct 14, 7:30pm -
  • October 2014 networth update: $339,830 (-0.5%)
    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 8 Oct 14, 1:03pm -
  • Jumping from Sole Proprietorship/Partnership to Corporation in Canada
    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.
    - 19 days ago 5 Oct 14, 7:00pm -

Canadian Tax Resource

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

Thicken My Wallet

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

Bank Nerd

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

Investing Thesis

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

Canadian Financial DIY

  • WaterFurnace Renewable Energy - All's well that ends well
    WaterFurnace (TSX: WFI) is being acquired by a Swedish company in the same business, bringing to an end the four-year holding that I posted about in 2010 when I first bought shares in WFI. Though WFI's price took a big jump up from recent $25 or so t…
    - 25 Jun 14, 4:28am -
  • Sustainability and Executive Pay in S&P 500 Companies compared to Canadian Large Caps
    Pensions and Investments reports on a study by GMI Ratings research firm that found the majority (58%) of S&P 500 linked executive pay to performance on sustainability (aka environmental social and governance) factors. That's perhaps impressive news…
    - 8 May 14, 1:34pm -
  • Book Review: Stocks for the Long Run (5th ed) by Jeremy Siegel
    SfLR is a classic, a book that every self-directed investor should read. Primarily history, but with a good dose of explanation, and primarily about the USA, it's the best overview of the equity side of investing one can find. It's a book about stock…
    - 6 May 14, 4:30am -
  • Good new, bad news: Living even longer than previously expected
    Back in February a Canadian Institute of Actuaries press release told us that as a result of compiling data specifically on Canadians (previously, they had always apparently relied on US data), they discovered that we can all expect to live a couple…
    - 23 Apr 14, 8:46am -
  • How long in advance to buy air tickets: USA data
    Interesting post on on the best time to buy a US domestic air ticket - but warns answer is different for international flights. Need this stuff for Canada! Their advice - check early and often.
    - 17 Apr 14, 4:39pm -

Today's Economy Blog

Canadian Dream: Free at 45

  • Winter Activities
    As I’ve written previously, my wife and I basically hibernate in the winter – spending most of our time holed up in our house and staying as warm as possible. Last winter, we noticed that we barely socialized at all. Although we’re mostly okay…
    - 4 days ago 21 Oct 14, 6:30am -
  • Now on Sale
    I was recently out of town for work and I happen to look up at TV in the lobby the other day and saw the headline “Stock market Plunges” with a big red number and a negative sign in front of it.  I typically don’ t follow the market day to day…
    - 8 days ago 17 Oct 14, 7:02am -
  • Using the Information
    I was talking to a couple of guys at work over the past week – they knew that my wife and I had paid off our mortgage earlier this year and had a lot of questions about spending. Both guys seem to be living paycheque to paycheque, and have trouble…
    - 11 days ago 14 Oct 14, 6:30am -
  • Escape Everything
     The following is a guest post from Robert Wringham from the wonderful publication of New Escapologist. Hello. My name’s Robert. At the astonishingly impudent age of 26 I decided that the conventional world of work, mortgages and pension plans was…
    - 12 days ago 13 Oct 14, 6:30am -
  • Ensuring Stability
    Dave is also looking to retire no later than 45, but unlike Tim has no kids and doesn’t want any. Dave is from Ontario and is working towards his CGA certification. I am generally a pessimist. I almost constantly assume that the worst is going to h…
    - 18 days ago 7 Oct 14, 6:30am -

Sustainable Personal Finance

  • Do You Ever Invest With Your Conscience?
    When it comes to making money through investing, it’s hard to take a step back and ask if what we’re doing is harmful to the things we hold dear. It’s much easier, with the things we see every day, to make choices that lead to more sustainable…
    - 9 days ago 16 Oct 14, 7:41am -
  • Common Ways to Put Aside Money for Life Insurance
    Purchasing a life insurance policy is a wise idea for many people. For instance, the breadwinner of a large family may purchase a life insurance policy in order to provide for family members in case he or she dies. With the insurance money, the famil…
    - 9 days ago 16 Oct 14, 7:35am -
  • 10 Ways to Sell Your House for More Money
    Have you recently thought about selling your house, but were afraid that it would not earn much more than you currently owe on the mortgage? Many people have this fear, but with just a few fixes, almost any house will be able to fetch far more than w…
    - 22 days ago 2 Oct 14, 6:26pm -
  • One Simple Step To Save Money On Nearly Everything
    We all like saving money, right?I know I do. Love it, in fact. You know how people like to debate whether things are frugal or cheap? I don’t even bother. I know I’m cheap. I embrace it with all the enthusiasm of Eminem and swear words. Or…some…
    - 26 days ago 29 Sep 14, 5:44am -
  • How to Reduce the Cost of Your Kids’ Extracurricular Activities
    Now that school is back in, you’re probably trying to adjust to the new schedule — and the costs associated with attending school. Among the costs of attending school are those related to extracurricular activities.If your children are involved i…
    - 30 days ago 25 Sep 14, 5:02am -

The Passive Income Earner

  • Dividend Income – October 2014
    The markets have been quite tumultuous these past weeks not to mentioned the price of oil impacting the energy sector. These are the moments where you want to have rules in place and follow through with your strategy regardless of where you are in yo…
    - 6 days ago 19 Oct 14, 10:28am -
  • My 7 Investing Rules
    Having investing rules is important as it is what keeps you from following the flock and making questionable moves. How often do you resist buying a hot stock? With some investing rules, you can avoid falling for hot tips or becoming emotional. I wil…
    - 13 days ago 11 Oct 14, 3:02pm -
  • Dividend Income – September 2014
    By the time you reach September, your annual dividend income is probably locked in. It just happens that dividends are mostly-pre-determined. If you have monthly dividend income, they don’t tend to increase regularly. The nature of business from th…
    - 33 days ago 21 Sep 14, 9:53pm -
  • Differences Between Canadian & US Stock Markets
    Aside from the obvious currency difference, do you really understand the strength of each stock markets? From a population perspective, the USA is nearly 10 times bigger than Canada, you would expect the stock markets to be somewhat bigger by the s…
    - 41 days ago 14 Sep 14, 10:52am -
  • Can A Dividend Aristocrat Really Give You a 2,400% Return Over 25 Years?
    When most people think of dividend stocks they imagine stodgy slow growing companies that are past their peaks.  Dividend stocks have a reputation as being ‘conservative’, and suitable for those with low risk tolerances.  This is even more the…
    - 43 days ago 11 Sep 14, 9:55pm -

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: PRPPs, Sticking with a Plan, and more
    Here are my posts for this week:Stock Market Momentum The 4-Hour Workweek Here are some short takes and some weekend reading:Preet Banerjee explains why he thinks that PRPPs don’t offer enough to make them attractive compared to TFSAs, RRSPs, and g…
    - 19 hours ago 24 Oct 14, 4:30am -
  • The 4-Hour Workweek
    I had heard so many different things about Timothy Ferriss’s book, The 4-Hour Workweek, that I thought it couldn’t possibly cover all the subject areas. But I was wrong. Ferriss gives step-by-step instructions for changing many different aspect…
    - 3 days ago 22 Oct 14, 7:03am -
  • Stock Market Momentum
    People tend to think of the stock market as something that moves up and down like an airplane. There are problems with this way of thinking that cause investors to make poor choices.If the stock market really were like an airplane, it would have mom…
    - 5 days ago 20 Oct 14, 4:30am -
  • Short Takes: Lessons for Bill Gates, Robo-Advisors, and more
    I wrote one post this week reviewing a book that solidified my view that I won’t pay any attention to market predictions:Clash of the Financial Pundits Here are some short takes and some weekend reading:Bill Gates discusses three things he’s lear…
    - 8 days ago 17 Oct 14, 4:30am -
  • Clash of the Financial Pundits
    The book Clash of the Financial Pundits by Joshua M. Brown and Jeff Macke promises to tell readers “how the media influences your investment decisions.” For the most part the authors deliver on this promise. In the end this book solidified my v…
    - 11 days ago 14 Oct 14, 4:30am -

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…
    - 56 days ago 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…
    - 65 days ago 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…
    - 76 days ago 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!

  • 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…
    - 7 days ago 17 Oct 14, 11:07am -
  • Building up my savings
    Now that summer is over, I really want to focus on building up my non-retirement savings. Next year will likely be an expensive year for me, because I’d like to travel (already have a few places in mind), and I’d also like to put some money into…
    - 15 days ago 10 Oct 14, 3:33am -
  • Spending Recap: Sept. 29-Oct 5, 2014
    Monday 29th No Spend Day! Tuesday 30th + $600 freelance income $13.67 groceries Wednesday 1st $5.25 lunch Thursday 2nd $10.35 groceries Friday 3rd $12.50 lunch $21.85 drinks Saturday 4th No Spend Day! Sunday 5th $20.53 Longtail Kitchen $6 parking Fre…
    - 16 days ago 9 Oct 14, 11:00am -
  • October 2014 Goals
    It’s October already, and it’s my favourite month of the year. :) Usually I would go home for the Thanksgiving long weekend, but this time I’m staying in Vancouver. It’ll be nice to actually spend a long weekend in the city, and because the w…
    - 16 days ago 8 Oct 14, 11:30am -
  • Spending Recap: September 22-28, 2014
    Monday 22nd – Kauai, Hawaii $119.90 luau $14.18 groceries $13.54 alcohol Tuesday 23rd – Kauai, Hawaii $5.23 coffee $21.78 lunch $11 dinner Wednesday 24th – Kauai, Hawaii $19.08 groceries $5.79 snacks Thursday 25th – Kauai, Hawaii $18.42 lunch…
    - 18 days ago 7 Oct 14, 11:00am -

Invest It Wisely

  • 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…
    - 23 days ago 2 Oct 14, 8:06am -
  • If You’re Living Overseas What Happens with your Health Insurance when you Return?
    While you’re living outside of the country there’s no requirement for you to have US health insurance. Once you return this changes. You may be thinking about how you can avoid waiting periods and pre-existing ailment restrictions, when you apply…
    - 66 days ago 19 Aug 14, 11:23am -
  • Where to Invest?
    Investing is an important way to build savings for the future. Investing is not always simple. There are many things to consider when trying to maximize returns and reduce risk like an international money transfer while oversees. Several tips will he…
    - 68 days ago 18 Aug 14, 6:00am -
  • A Straightforward Guide to Online Trading
    Many people invest their money online. They do this because it is easy and it is a safe way to grow your retirement savings. There are many online trading sites that are trustworthy. These online sites are also designed for the average investor. You…
    - 4 Jul 14, 12:28pm -
  • Why Investing in VCTs Makes Financial Sense
    Times are hard for savers and investors at the moment. Interest rates have been incredibly low for some time now, and people are being punished for looking after their money. However, instead of leaving your capital at the mercy of high street saving…
    - 9 Apr 14, 2:45pm -

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

  • The Global Expatriate’s Guide To Investing Has Just Been Released On Kindle
        My new book, The Global Expatriate’s Guide To Investing is available for download now on Kindle. I hope you enjoy it… and find it helpful! Cheers, Andrew The Global Expatriate’s Guide To Investing – Kindle Edition P.S. Don’t forget to…
    - 8 days ago 16 Oct 14, 6:38pm -
  • Can Amazon Keep Defying Warren Buffett’s Mantra?
    Amazon has beaten or knocked out nearly every heavyweight retail contender.  Those still in the bookstore business (R.I.P. Borders) keep getting uppercuts to the chin. Investors in Amazon’s stock have made a fortune.  In the past 10 years, shareh…
    - 11 days ago 13 Oct 14, 8:11pm -
  • World’s Most Adventurous Couple Show Keys To Success
      “Do you guys want tea?” Julie asked, while holding her three-month old son, Oliver. Her husband, Colin, was showing me designs he creates and sells for custom rowboats.  I got off the floor and followed the couple into their living room. …
    - 18 days ago 6 Oct 14, 8:52pm -
  • A look inside Canada’s hottest ETFs
    Quick question: Which are Canada’s hottest index funds? Considering the stampede into Vanguard Canada’s ETFs since their 2011 debut, many would give them the nod. In fewer than two years, their assets under management exceeded $1-billion. But the…
    - 23 days ago 1 Oct 14, 8:22pm -
  • Is Your International School’s Retirement Package As Strong As You Think?
    Janette accepts a job at an international school in China. She’s thrilled by the school’s retirement package. They match what she invests, up to an amount equaling 10 percent of her annual salary. In other words, if she were paid $50,000 per year…
    - 24 days ago 30 Sep 14, 5:46pm -

Riscario Insider

    The very first blog post was published over 20 years ago. Newspapers, magazines, books, radio and television started even earlier. The personal finance educators tend to use those media. Yet financial literacy remains a serious problem. Maybe the aud…
    - 5 days ago 20 Oct 14, 5:00am -
    How can you lose by learning to invest better?Steadyhand Investment Funds sells no-load low-fee mutual funds directly to investors.They've prepared an easy-to-read report called Five Essential Elements To Being A Better Investor (PDF). The focus is o…
    - 14 days ago 11 Oct 14, 7:00am -
    No matter which computer you buy, or how carefully you take care of it, you can’t prevent technical problems. Over the years, I've had machines from ALR, Compaq, Dell, IBM, Lenovo, NEC, Toshiba.  In addition, I've had high performance computers cu…
    - 33 days ago 21 Sep 14, 1:56pm -
    When you’re looking for insurance on your home or vehicle, you may be tempted to pick the lowest price or buy from a convenient place. More important is whether your claim will be paid.When disaster strikes, you find out how good your car or home i…
    - 60 days ago 25 Aug 14, 11:20am -

    - 68 days ago 17 Aug 14, 6:49pm -

My University Money

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!…
    - 13 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…
    - 37 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…
    - 62 days ago 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…
    - 70 days ago 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…
    - 71 days ago 14 Aug 14, 6:03pm -

Thirty Six Months

  • You should always seek value  
    To get yourself financially free, to make good investments and to get through life in a calm and relaxed manner – you should always seek value. This applies equally to picking out your groceries at the supermarket, to buying a car, buying a house o…
    - 25 days ago 30 Sep 14, 3:50am -
  • Why You Should Invest In Property Before Age 30
    I know it’s not something that we think when we’re tackling our student loans out of University or have to think about finding that perfect job that lets us grow and feel accomplished, but hear me out. Purchasing an investment property is the bes…
    - 47 days ago 8 Sep 14, 6:25am -
  • A Budgetary Workout for Your Business
    Trying to budget is a lot like exercising – while we all know that we should do it, avoiding it and being a slob seems a heck of a lot easier. And when we get round to it every once in a while, the strain really shows. But if you’re running a bus…
    - 50 days ago 4 Sep 14, 10:22pm -
  • Five things to remember when writing your professional resume
    The job market out there is tough. Hundreds of applicants are applying to fill one position. Your job is to stand out from the crowd. How are you going to make your application look different from the hundreds of applications being considered? Here a…
    - 59 days ago 26 Aug 14, 9:24pm -
  • 4 Neighborhoods to Stay in When You Visit San Francisco 
    San Francisco welcomes nearly 17 million travelers every year, making it one of the most popular tourist destinations in the United States. The City by the Bay has some beautiful neighborhoods, but which one is right for your vacation?     1. Fishe…
    - 61 days ago 24 Aug 14, 9:34pm -

How To Save Money

  • Best Credit Cards For Gas Discounts
    Last week I told you all the ways you can save money on gas that don't involve buying a Tesla or a Smart car. This week I'm going to fill you in on which credit cards give you the best discounts when you buy gas.This is a great way to ease the h…
    - 4 days ago 21 Oct 14, 6:00am -
  • Don't Pump All Your Money Away: Ways To Save On Gas
    How does this sound?You've just finished fueling up your car and you're tallying all the savings you've managed to achieve on your $80 gas purchase. First, you saved $16 through paying for your gas with 20% discounted gift cards. Then, you saved…
    - 11 days ago 14 Oct 14, 7:54am -
  • I'm Giving Away $50: Win-Win-Win #2
    There was 104 entries spread across 36 people in last month's $50 giveaway, so thank you to everyone that did enter and share articles - very much appreciated!Unfortunately, I was a little disappointed by the participation level overall. $50 in…
    - 18 days ago 6 Oct 14, 1:29pm -
  • The Best Way To Use Your Save On More Rewards Points
    Ever wonder just what's the best way to redeem those More Rewards Points offered by Save on Foods, Pricesmart, Overwaitea Food Group, and Urban Fare? Or are you like most people who think they'll never add up to much anyway and just spend them when…
    - 25 days ago 30 Sep 14, 3:00am -
  • Travel In Heaven Instead Of Hell
    The act of traveling abroad, particularly by air, can be a grating experience. Long lines, delayed flights, customs forms, expensive food, small uncomfortable seats, endless waiting at airports, getting almost naked to clear security, lack of affor…
    - 31 days ago 24 Sep 14, 8:49am -

My Own Advisor

  • Weekend Reading – Ottawa shooting, dumb surcharges and more
    On Wednesday this past week, Michael Zehaf-Bibeau, committed a horrific crime. To use our Prime Minister’s words, it was a “brutal and violent attack”.  The armed attacker shot and left Canadian Forces member, Cpl. Nathan Cirillo, 24, to die…
    - 1 day ago 23 Oct 14, 4:09pm -
  • How to survive today’s volatile markets
    Is this the end of a multi-year bull market? Is this the beginning of another bear market? Is this a market correction or a market crash? Let’s face it folks, for the last 5-years the stock market have been pretty darn good.  If you don’t feel t…
    - 3 days ago 21 Oct 14, 2:23pm -
  • Pooled Registered Pension Plans (PRPPs) – Questionable help on the way?
    The following article is a guest post by Sean Cooper who blogs about personal finance at Sean Cooper Writer. Are you struggling to save for retirement?  You’re definitely not alone.  With only 1/3 of Canadians with a workplace pension plan, the b…
    - 5 days ago 19 Oct 14, 12:24pm -
  • Weekend Reading – Encore careers, retirement, cash back and more
    Welcome to my latest Weekend Reading edition where I showcase some of the best articles and blogposts from the personal finance and investing blogopshere.  Before the list of articles though, I want to thank Rob Carrick for highlighting my interview…
    - 8 days ago 16 Oct 14, 5:46pm -
  • Catching up with Derek Foster “Canada’s Youngest Retiree”
    A few years ago, I got a chance to sit down and chat with Derek Foster, “Canada’s Youngest Retiree”.  Back then Derek shared his thoughts on the stock market, his investment strategy and much more.  I recently caught up with Derek and for th…
    - 10 days ago 14 Oct 14, 6:57pm -

Montreal Financial

  • 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 -
  • What to Do When your Tax Obligations are Overdue
    Small business owners have the added responsibility of ensuring that they are aware of, and comply with, a variety of tax obligations.  For some, this can be somewhat overwhelming, resulting in an accumulation of government notices, assessments,…
    - 4 Sep 13, 11:23am -

Financial Uproar

  • Banks Are Not Out to Steal Your Money
    It’s Thursday, which means it’s Eddie. He He promised this week’s edition is “particularly mean”. I’ll let you be the judge of that. If my count is correct, this is personal finance groupthink assassination number 6. If I had…
    - 2 days ago 23 Oct 14, 9:00am -
  • How Coin Flip Investing Can Lead to Great Returns
    Let’s start things off with a hypothetical situation. (I wrote something similar for Motley Fool last week, in the interest of full disclosure) Say you and I were hanging out. FINALLY, A FRIEND FOR NELSON! TAKE THAT, DAD. I offer you a deal. You pu…
    - 4 days ago 21 Oct 14, 6:00am -
  • Credit Card Hacking: Not All It’s Hacked Up To Be
    When I first heard about the concept, I thought credit card hacking was kind of cool. I could make hundreds of dollars just by getting credit cards and buying stuff that I would normally buy anyway? That doesn’t sound so bad. But, like usual, my la…
    - 5 days ago 20 Oct 14, 6:00am -
  • How $1 Million Isn’t Quite $1 Million
    It’s Thursday, AKA Nelson’s slack off day. Take it away, Eddie.  I believe this will be PF groupthink assassination post number 5. My post this week focuses on a rather technical detail in a recent Moneysense article.  I happen to read Dan Bort…
    - 9 days ago 16 Oct 14, 6:00am -
  • FP Newspapers: It’s Cheap, But Not Cheap Enough
    After talking about popular companies for the last couple days, I’ve had enough. I hate things that are popular. It’s like grade 9 all over again. Instead, let’s talk about another unloved Canadian small-cap, FP Newspapers Ltd. (TSX:FP), which…
    - 10 days ago 15 Oct 14, 6:00am -

Mother Miser

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

Modest Money

  • newCredit One Bank® Visa® Platinum Review
    This Visa Platinum from Credit One Bank is a card that can be useful, but should be handled with extreme caution. Do I have your attention? Let’s proceed. First of all, this is a card focused on folks with miserable credit. The card is marketed ……
    - 16 hours ago 24 Oct 14, 7:15am -
  • 5 Things I Learned From Buying My First Home
    If you would have told me one year ago that I was going to be a homeowner by now, I would have rolled my eyes and told you to stop putting pressure on me. I’m doing just fine the way things are, thank you! But …The post 5 Things I Learned From B…
    - 2 days ago 23 Oct 14, 7:15am -
  • How Many Mortgage Payments Can Be Missed Before Foreclosure

    - 3 days ago 22 Oct 14, 7:15am -
  • Five Things to Consider Before Taking Out a Guarantor Loan
    Five Things to Consider Before Taking Out a Guarantor Loan Loans have never been more difficult to get in the UK, with new regulations forcing banks to be much more selective in whom they loan money to. Even those with reasonably good credit can and…
    - 4 days ago 21 Oct 14, 7:15am -
  • House vs. Apartment: Which is Better for Investment?
    Investing in property is a great way to secure a steady extra stream of income for yourself in the future. However, it’s also a path that has many forks, with many choices to make. One of the most fundamental decisions you have to face when …The…
    - 5 days ago 20 Oct 14, 7:15am -

Mo' Money Mo' Houses

  • newBlog Love – Getting Ready for a Lot of Me Time
    So, tomorrow my HB leaves for Vancouver and I’ve definitely got some mixed feelings right now. I’m really excited for him, but 20 days is a lot of me time! I can’t even remember the last time I was home in the apartment alone besides those few…
    - 18 hours ago 24 Oct 14, 5:00am -
  • Moving Away from Your Hometown: What You’ll Gain and What You’ll Forfeit
    I know I’ve written about the pros and cons of moving away from your hometown before, but it’s just something that’s been on my mind a lot lately, especially since my HB and I have been living in Toronto for 1.25 years now! Although my experien…
    - 3 days ago 22 Oct 14, 5:00am -
  • Finding Focus to Improve Your Finances
    Lately, I’ve been thinking a lot of about how to keep focused. There are so many things I want to experience and accomplish in my lifetime, especially financially, but most of the time I just get distracted with something unimportant and unproducti…
    - 5 days ago 20 Oct 14, 5:00am -
  • Blog Love – Fall, Graduation and a Separation
    I’m gonna keep this post short and sweet today considering I’m writing this at 1am on Friday morning having just come home from a concert. I know, I know, I really do need to get into the habit of scheduling posts in advance! I’ll try to do so…
    - 8 days ago 17 Oct 14, 5:00am -
  • 5 Things I’m Thankful for on Thanksgiving
    Since it’s Thanksgiving and I haven’t written a Things I’m Thankful for post this year yet, I thought I’d take this opportunity to list the 5 things I’m thankful for in 2014. Ok, here we go… 1. My current financial situation I know that m…
    - 12 days ago 13 Oct 14, 5:00am -

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…
    - 11 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…
    - 15 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…
    - 18 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…
    - 22 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 -

Blonde on a Budget

  • newThe End of TGIF As We Know It (For Now)
    My head has been all over the place this week. One thing I do know for certain is that this will be the last TGIF post (in this format) for the next 5 weeks, because I'm going to host a giveaway every Friday throughout the month of November!
    - 18 hours ago 24 Oct 14, 5:00am -
  • How Much Weddings Cost in 2014
    It has been a busy year of weddings for me. And 4 of the 6 I attended took place in the past 6 weeks. Now that the last one is over, I decided to add up the numbers and see how much money weddings cost me in 2014. Are you ready for this...?
    - 5 days ago 20 Oct 14, 5:00am -
  • TGIF: From Denver With Love (and Tears)
    Despite the temporarily "lost" luggage and the fact that I couldn't make it home on Monday, I had an amazing weekend in Denver. I'd been to the city once before, and I'd happily go again any day...
    - 8 days ago 17 Oct 14, 5:00am -
  • TGIF: Denver Bound + 7 Things About Me
    In the past few weeks, Jess, Jordann, and The Money Pincher have all nominated me for the Versatile Blogger Award. To accept the award, I now have to write a post that reveals 7 secret/unknown facts about myself...
    - 15 days ago 10 Oct 14, 5:00am -
  • Post-Declutter: How Does My Condo Look Now?
    In July, I opened every closet, drawer and box in my apartment, took everything out and decided what I wanted to keep/donate/toss. In the end, I removed a total of 377 items from my home. Is my condo still clutter-free? Take a look...
    - 17 days ago 8 Oct 14, 5:00am -


  • Everything You Need To Know about Credit Card Balance Transfers
    A credit card balance transfer is the relocation of money owed from one credit card account to another. Credit card companies offer balance transfers as a way to entice new clients. Used appropriately by consumers, balance transfers can provide a ……
    - 22 Oct 13, 1:42pm -
  • Do Stay at Home Moms Need Life Insurance?
      A Homemaker might not receive an income but is nearly irreplaceable. Think of all the things a Stay-at-home Mom does; you can’t even hire a nanny to work seven days a week! A Stay-at-home Mom is much more than …          
    - 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

  • In Ontario, You Are Rich If You Make $220,000!
    I think most people would agree, that those of us who make the most money ("the rich") should be taxed at higher marginal tax rates. However, what we may not all agree upon is what level of salary/income makes you “rich” and what the highest marg…
    - 5 days ago 20 Oct 14, 4:00am -
  • The Emotional Side of Retirement for Entrepreneurs
    Last week, I featured a guest blog by Betty Hansen of Crossroads Planning Group Inc. on the emotional side of retirement. That post titled Retirement or Refirement can be found here as a complement to my six-part series titled How Much Money do I Ne…
    - 12 days ago 13 Oct 14, 4:30am -
  • The $800,000 Capital Gains Exemption
    A couple of weeks ago I wrote a blog post on how the $800,000 Capital Gains Exemption ("CGE") Isn't a Gimme for Corporate Small Business Owners and how many private small business owners incorrectly assume they will automatically be entitled to the C…
    - 17 days ago 8 Oct 14, 10:48am -
  • Retirement or Refirement?
    In February, I wrote a six-part series titled "How Much Money do I Need to Retire? Heck if I Know or Anyone Else Does!" The series focused on how much money you really need to retire, and the various economic factors that can impact your retirement n…
    - 18 days ago 6 Oct 14, 1:10pm -
  • Best Tax Blog! It's Bean Four Years in the Making
    On September 20th, I was honoured to win the 5th Annual Plutus Award for the Best Tax Blog (after being a nominee the last two years). This is a prestigious American-based award ceremony celebrating the best in the personal finance blogosphere; winni…
    - 26 days ago 29 Sep 14, 4:30am -

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 →
    - 48 days ago 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 →
    - 48 days ago 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 →
    - 75 days ago 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…
    - 75 days ago 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…
    - 78 days ago 8 Aug 14, 9:43am -

Rewards Cards Canada

  • Cash Discount Or Credit Card Rewards: Which Do You Prefer?
    The Canadian Federation of Independent Business (CFIB) believes that credit cards cost consumers and small businesses more in the long run.  Since the credit card companies charge 2-3% every time a credit card is swiped, merchants mark up their pric…
    - 17 days ago 7 Oct 14, 9:13pm -
  • What’s More Important Than Earning Rewards?
    With a blog dedicated to finding the best loyalty programs and rewards cards, you might think rewards are the most important thing in the world to me.  But that couldn’t be further from the truth. Here’s what matters more to me than earning and…
    - 25 days ago 29 Sep 14, 8:58pm -
  • Sneak Peek At New Costco Capital One Platinum MasterCard
    Costco members are getting a sneak preview of the new Capital One Platinum MasterCard.  The co-branded card is set to replace the TrueEarnings Card once the Costco and American Express agreement expires at the end of the year.  Card applications…
    - 27 days ago 27 Sep 14, 10:17pm -
  • Capital One To Offer Co-Branded Costco Credit Card
    That didn’t take long.  Just hours after Costco officially announced that its partnership with American Express will come to an end this year, Capital One and MasterCard have stepped in to fill the void. Capital One, Costco Strike a Deal Capital O…
    - 36 days ago 18 Sep 14, 3:18pm -
  • It’s Official: Costco and American Express Part Ways
    Earlier this summer we discovered that the TrueEarnings Card, a co-branded rewards card from Costco and American Express, would no longer be available to new applicants.  The speculation was that Costco and American Express would end their long sta…
    - 37 days ago 18 Sep 14, 10:39am -

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…
    - 43 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 -


  • 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…
    - 48 days ago 6 Sep 14, 8:54pm -
  • Aug 2014 Net Worth Update +0.85% - Despair sets in
    I am finding it increasingly difficult now to get by every month on my meagre salary. This month was especially close as I struggled to pay everything off and at one point my chequing account had a balance of $0.01 before the next paycheque went in.…
    - 82 days ago 3 Aug 14, 11:32pm -
  • July 2014 Net Worth Update +1.15%
    "de·spair1. loss of hope; hopelessness.2. someone or something that causes hopelessness3. to lose, give up, or be without hopeSynonyms 1. gloom, disheartenment. Despair, desperation, despondency, discouragement, hopelessness refer to a state of mind…
    - 90 days ago 26 Jul 14, 11:29pm -
  • June 2014 Net Worth Update +1.87%
    TFSA - $36,132.21 +2.81%RRSP - $5,173.30 +0.56%Company stocks - $2,280.55 +31.2%(stocks purchased this month = $447.96)Chequing - -$431.26Total: $43,154.80Gain: 1.87% or +$792.10
    - 1 Jul 14, 8:52pm -
  • Fear

    - 19 May 14, 6:24pm -