The Globe And Mail

Financial Post

Rob Carrick

Million Dollar Journey

  • Laser Eye Surgery: Is it Worth It?
    This year marks my fifth year anniversary since getting laser eye surgery. CBC Marketplace recently aired a segment on Lasik MD, the leading provider of laser vision correction in Canada, so I thought this would be the perfect time to write about my…
    - 2 days ago 8 Jan 15, 5:30am -
  • Financial Checklist to Start the Year (2015)
    Similar to the end of the year tax tips, there are certain financial to-do items to start off the year on a strong note.  Here is the checklist that I use at the beginning of the year. 1. Contribute to your TFSA Investors rejoice!  For 2015, TFSA…
    - 5 days ago 5 Jan 15, 5:30am -
  • The Best of Million Dollar Journey – 2014 Year in Review
    It’s been a while since I’ve written an update about my personal finances so lets dive into an annual update. What a year 2014 has been – we’ve achieved a major milestone, sold a significant private business asset, all while facing decreased…
    - 19 days ago 22 Dec 14, 5:30am -
  • Net Worth Update December 2014 – Karl the Real Estate Agent
    Welcome to the Million Dollar Journey December 2014 Net Worth Update – Team MDJ edition. A select group of readers were selected to be part of Team MDJ which was conceived after the million dollar net worth milestone was achieved in June 2014. Karl…
    - 26 days ago 15 Dec 14, 5:30am -
  • Year End Tax Tips: 2014
    This article originally was published a few years ago but I decided to pull it out of the archives (with a few modifications) due to its relevance for this year. I was watching the tax segment on BNN last night and they highlighted some year end tax…
    - 33 days ago 8 Dec 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

  • Reduce Your Taxes with Business-Use-Of-Home Expenses
    If you have a home business, it makes sense to ensure that you get the best possible tax result. The CRA allows for you to deduct certain expenses from your business income so that the burden of the costs of making money don’t cause you financial p…
    - 5 days ago 5 Jan 15, 3:00am -
  • Could You Benefit from Questrade’s Portfolio IQ?
    For many middle class Canadians, getting advice when it comes to managing an investment portfolio has been difficult. Many of the major firms won’t manage your portfolio unless you have at least $100,000 in assets. For many, that means that it is n…
    - 19 days ago 22 Dec 14, 3:00am -
  • Average Tax Rate: How Much Tax Are You Really Paying?
    The amount of tax you pay can be expressed in two different ways, marginal tax rate and average tax rate. While marginal tax rate is the tax rate paid on the last dollar you earn, your average tax rate is simply calculated as your total income tax d…
    - 26 days ago 15 Dec 14, 3:00am -
  • What Is Marginal Tax Rate and How Does It Work?
    We hear a lot about tax rates. Often, what we pay in taxes is expressed as a percentage of income. However, it’s important to understand that the tax rate you pay doesn’t apply to your entire income. Instead, you will pay taxes based on a formul…
    - 33 days ago 8 Dec 14, 3:00am -
  • PC Financial Online Banking: Why I Chose President’s Choice Financial
    Choosing a bank is one of the most important decisions you can make for your finances. Personally, I use PC Financial online banking for the no-fee account, but there are plenty of other banking options available with PC Financial online as well. Whe…
    - 40 days ago 1 Dec 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

  • Who Is Affected by the Ontario Retirement Pension Plan?
    With the Ontario Retirement Pension Plan taking shape, the provincial government is giving Ontarians the chance to weigh in on the proposed provincial pension plan. The Ontario Liberals released a consultation paper on “key design questions” of t…
    - 2 days ago 8 Jan 15, 12:30am -
  • Two big surprises about retirement in Canada
    I have been perplexed and caught off guard by what I have been reading about retirement in Canada lately.  Two conundrums have been puzzling me.  The Luxembourg Income Study Database claims the Canadian middle class is the richest along with Britai…
    - 4 days ago 6 Jan 15, 1:54pm -
  • How to achieve more by doing less
    “We cannot become what we want to be by remaining what we are” – Max De Pree As the new year is here, many people are busy making resolutions and thinking about what they can do differently in 2015. If you’ve read my posts before, you’ve pr…
    - 4 days ago 5 Jan 15, 11:12pm -
  • Implementing your Financial goals
    Happy New Year! As we put the past year behind us and look to the future, it’s a typical time for people to start the year with some financial resolutions. For some their focus will be on getting rid of debt. Others will have savings goals. Some pe…
    - 5 days ago 5 Jan 15, 12:12am -
  • 3 Investment options for Passive Investors
    “Don’t reinvent the wheel, just realign it.” – Anthony J. D’Angelo Over the past few months, I’ve had lots of conversations with employees who are filling out application forms for their group retirement plan. The one section of these for…
    - 19 days ago 22 Dec 14, 12:21am -

Squawkfox

Financial Highway

  • Getting the most from your charitable donations
    Canadians are known to be generous when it comes to charity, 84% gave last year according to a recent BMO poll. Giving means you are helping a worthy cause and you can receive a tax receipt for your donation for tax savings. Though recent studies sho…
    - 40 days ago 1 Dec 14, 3:00am -
  • How I Used Credit Cards and Loyalty Rewards to Save More than 50% on My Last Vacation
    I’m not much of a penny pincher. When it comes to the grand scheme of things, I’m more interested in enjoying myself, and getting the best bang for my buck than in getting something as cheaply as possible. But that doesn’t mean I don’t go for…
    - 68 days ago 3 Nov 14, 3:00am -
  • 5 Tips for Discussing Money with Your Life Partner
    We’re always told that money should be something that is regarded without emotion. When we make decisions about money, we are supposed to be rational so that we don’t make poor choices. Unfortunately, money stirs strong emotions in us. It’s ver…
    - 75 days ago 27 Oct 14, 4:00am -
  • 5 Tips for Improving Your Credit After Making a Big Mistake
    Most of us have made mistakes with our money. But what happens when you make a big, credit-destroying mistake? And it doesn’t even have to be a massive mistake like those that result in foreclosure or bankruptcy. Simply overlooking a utility bill w…
    - 82 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…
    - 87 days ago 15 Oct 14, 5:00am -

The Financial Blogger

  • Gone… Reading…
    It’s been quite a while since I wrote something on TFB. I was gone… reading the Why Café, a great book that I devoured in a single day. I won’t talk about the book, I’ll let you find it and read it. You will understand a little better after…
    - 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

  • newMoney Tweets of the Week
    I used to do this more often let us see where this leads, now that I have figured out how to easily include a Tweet, a Facebook entry or any other stuff in my articles. Very topical and useful tweet from the Money Media Maven himself Preet Whiteboard…
    - 2 hours ago 10 Jan 15, 6:48am -
  • Frigid Temps, Plunging Oil, Paris and #BestThisWeek
    The Winter has come to Ottawa, with frigid temperatures, that remind us that the concept of Global Warming is a bit of a misnomer, but climate change might be nice (a little warmer in January please). When your wheels freeze squared you know it is a…
    - 1 day ago 9 Jan 15, 6:17am -
  • Financial Jargon Overload
    One of the more interesting tasks I have is, when reading a bunch of articles on financial topics (yes, I really do that, I don’t just make this all up myself) is the constant use of financial jargon (which a lot of folk (including me) are not ev…
    - 3 days ago 7 Jan 15, 5:27am -
  • Happy Financial New Year
    Yes, another year has already begun and there is a raft of financial stuff you should be thinking about (right now), for the coming year (in this case 2015). What kind of things? You know my great love for lists, so let’s start the year with one: Y…
    - 5 days ago 5 Jan 15, 5:26am -
  • Favorite Financial Tweets from MMXIV (2014)
    Given Twitter is one of the major Social Media sites that drives traffic to my humble Personal Finance Site, I figured I’d show some “love” to them as well. These are some good financial tweets from the past few months, from some folks who are…
    - 7 days ago 3 Jan 15, 9:39am -

Where Does All My Money Go

Group Benefits Online

  • New Financial Planning Data for 2015
    A new year means new limits and data.  Here’s a list of new financial planning data for 2015 (In case you want to compare this to past years, I’ve included old data as well). Pension and RRSP contribution limits The new limit for RRSPs for 2015…
    - 2 days ago 8 Jan 15, 12:27am -
  • Protecting Your Drug Plan from Rising Costs
    A major concern for employers looking to control their costs is health and dental benefits. One of the fastest rising health care costs for employers is drug plans. With the advances in medicine, there seems to be new drugs every other month. Employe…
    - 30 days ago 10 Dec 14, 10:17pm -
  • Dealing with Pension Plan Longevity Risk
    Retirees aren’t the only ones who need to worry about outliving their money. Longevity risk is a major concern for defined benefit pension plan sponsors as well. While longevity risk largely remains with workers for defined contribution pension pla…
    - 52 days ago 19 Nov 14, 7:11pm -
  • Flexible Pension Plan: Enhancing Your Defined Benefit Plan
    With many private sector pension plans reaching fully funded status, a growing number of plan sponsors are considering de-risking strategies. De-risking can take many forms from plan redesign to plan consolidation. The purpose of de-risking is to red…
    - 94 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…
    - 24 Sep 14, 6:33pm -

Canadian Couch Potato

  • Couch Potato Portfolio Returns for 2014
    Here are the 2014 returns for my Model Portfolios.The data below are from the funds’ websites whenever available: otherwise I used Morningstar. All ETF returns are based on net asset value rather than market price. Performance of US-listed funds i…
    - 1 day ago 9 Jan 15, 6:00am -
  • The Folly of Forecasts
    The new year has arrived, which means hangovers, doomed resolutions to lose weight, and a host of forecasts from the gurus in the financial media. I’m not sure which will cause more suffering.The attention investors give to market forecasts remain…
    - 9 days ago 1 Jan 15, 6:00am -
  • Understanding ECN Fees
    The promise of commission-free ETFs has steered many index investors toward independent brokerages such as Questrade and Virtual Brokers. These deep discounters have a lot to offer, but before you sign on, make sure you understand the details of thei…
    - 23 days ago 18 Dec 14, 10:22am -
  • The Limits of Limit Orders
    For some time now I’ve been suggesting that ETF investors use limit orders—never market orders—when placing trades in their accounts. A market order will be filled (usually immediately and in full) at the best available price. A limit order all…
    - 26 days ago 15 Dec 14, 6:18am -
  • Decoding International Equity ETF Returns
    How have international equities performed over the last year? If you research the returns of index funds in this asset class, you may wind up with more questions than answers.I recently received an email from David, a reader who wanted to know why t…
    - 36 days ago 5 Dec 14, 6:13am -

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,…
    - 15 Sep 14, 2:00am -
  • Banking on Your Mobile Phone
    Whether you are running your business or personal finances, you can now handle all of your banking needs directly on your mobile phone. While the advancement of technology in smartphones has made nearly every aspect of life easier, banking needs have…
    - 11 Sep 14, 8:00am -
  • What You Need To Know About Online Trading Platforms
    When using online trading platforms, first things first: understanding how they can benefit you and your pocket book. The online version of trading (often called discount brokers for their reduced trading fees) is very different from a traditional br…
    - 29 Aug 14, 3:00am -
  • 3 Ways to Change Your Lifestyle to Save Money
    Many of us, in these tough times, are looking for ways to save money. You might be surprised, however, to discover that you don’t have to make huge changes to get ahead financially. Many of the things that you have ingrained as part of your lifesty…
    - 15 Apr 14, 4:00am -
  • 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

  • newWeekend Reading: Finally Switched To Indexing Edition
    For a while now I’ve dithered over when to sell my portfolio of dividend stocks and implement my two-fund ETF solution.  The tanking stock market didn’t help – particularly with oil and gas stocks plummeting and a few of my holdings underwater…
    - 16 mins ago 10 Jan 15, 9:00am -
  • Managing Proceeds From Rental Property Sale: A Boomer & Echo Financial Makeover
    After the birth of their daughter, the Mitchell’s financial priorities have changed.  How can this couple use the sale proceeds from their rental property to kick-start their new financial goals? Family Profile Frank and Tara Mitchell are enjoying…
    - 2 days ago 8 Jan 15, 12:48pm -
  • The Ins and Outs of ETFs
    The first Canadian ETF was created in 1989 and called the TIP-35, which tracked the TSE 35.  Since then, the ETF market has expanded considerably.  Currently, according to BlackRock, there are over 3,000 different ETFs available globally. ETFs sta…
    - 4 days ago 6 Jan 15, 4:06pm -
  • What Will It Take For You To Save More This Year?
    I know it’s tough to save money. It’s even more difficult to up the ante and save more year-after-year. But saving is necessary to meet both our short-and-long term financial goals. Without any savings, and living paycheque-to-paycheque every mon…
    - 5 days ago 4 Jan 15, 10:18pm -
  • Weekend Reading: Holiday’s Over Edition
    I’ve been on holidays since December 12th and the break has been fantastic, giving me a chance to relax with family and recharge my batteries.  Unfortunately, the holiday has come to an end and it’s back to work on Monday.  I hope you all enj…
    - 7 days ago 3 Jan 15, 9:00am -

Young and Thrifty

  • January 2015 net worth update: $346, 825 (+0.6%)
    We've Moved! Update your Reader Now. This feed has moved to: http://feeds.youngandthrifty.ca/young Update your reader now with this changed subscription address to get your latest updates from us.
    - 3 days ago 7 Jan 15, 9:02pm -
  • How to Survive Post Holiday Financial Slump
    We've Moved! Update your Reader Now. This feed has moved to: http://feeds.youngandthrifty.ca/young Update your reader now with this changed subscription address to get your latest updates from us.
    - 5 days ago 5 Jan 15, 9:07am -
  • 2014 Personal Finance Resolutions Review
    We've Moved! Update your Reader Now. This feed has moved to: http://feeds.youngandthrifty.ca/young Update your reader now with this changed subscription address to get your latest updates from us.
    - 12 days ago 28 Dec 14, 10:12pm -
  • Book Review – The Value of Simple
    We've Moved! Update your Reader Now. This feed has moved to: http://feeds.youngandthrifty.ca/young Update your reader now with this changed subscription address to get your latest updates from us.
    - 19 days ago 22 Dec 14, 10:45am -
  • Amsterdam on a Budget
    We've Moved! Update your Reader Now. This feed has moved to: http://feeds.youngandthrifty.ca/young Update your reader now with this changed subscription address to get your latest updates from us.
    - 24 days ago 17 Dec 14, 9:12am -

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…
    - 32 days ago 9 Dec 14, 9:51am -
  • Year-End Tax Planning For 2013
    Although the end of 2013 is still several weeks away, many income tax planning opportunities for individuals and businesses must be taken care of before the end of the calendar year. This newsletter contains a number of tax planning opportunities tha…
    - 9 Nov 13, 6:00am -
  • Common GST & HST Filing Errors
    As a small business owner, the collection of HST may be seen as a nuisance and for some it may feel as if you are acting as a tax collector. Like it or not, we all have to comply, file and remit the HST we have collected. Whether you complete your HS…
    - 7 Nov 13, 6:00am -
  • Top Bookkeeping Mistakes
    Over my career, I’ve seen a lot of journal entries and I’ve seen what can happen to someone’s livelihood when bookkeeping mistakes are made. The fact is, that one of the most common reasons a business fails is due to poor financial management.…
    - 5 Nov 13, 6:00am -
  • Your Part-Time CFO
    Within any business, the financial controller or chief financial officer’s (CFO) is the top finance role within any organization. Their function is to understand your business’s numbers and provide you with a financial analysis of your business r…
    - 4 Nov 13, 11:28am -

Thicken My Wallet

  • Farewell and thank you for reading
    Today is the 735th, and last, post on this blog. It has been an eventful 5 years for the world and I was privileged to blog about it during such interesting times. I wanted to take this opportunity to thank you, the reader, first and foremost. I once…
    - 30 Apr 12, 3:00am -
  • A 5 year retrospective: a conversation with Canadian Capitalist and Preet Banerjee
    I am pleased to be joined by Preet from 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

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

Today's Economy Blog

  • The four best quotes of 2014
    American coattails, emerging optimism and stubborn unemployment: For Canadians, it was another year of life in the not-so-fast lane.
    - 3 days ago 7 Jan 15, 1:09pm -
  • Dear Grace: The three secrets of Christmas
    A note to my six-year-old daughter, on three ways to make the holidays brighter.
    - 24 days ago 17 Dec 14, 8:43am -
  • Four questions before you join that start-up
    Joining a brand-new company isn’t for everyone. But if you are comfortable with the opportunity and the people involved, the upside can be huge.
    - 38 days ago 3 Dec 14, 8:35am -
  • What’s so bad about Black Friday?
    Compartmentalization is a defence mechanism that helps us deal with conflicting ideas. But it can cost us a ton of money during the holidays.
    - 52 days ago 19 Nov 14, 6:00am -
  • Four estate planning questions
    Hearing that you ought to update your will is little bit like being told to take up jogging. But here are four reasons why it's really important.
    - 66 days ago 5 Nov 14, 5:30am -

Canadian Dream: Free at 45

  • Freedom 40 in 40 – Part III
    I find it rather odd that in my early life I never did much volunteering, I was perhaps too self absorbed or thoughtless to realize that I like giving back to others.  Not so much in just donations of money, but rather time and skills to support cau…
    - 3 days ago 7 Jan 15, 5:46am -
  • Freedom 40 in 40 – Part II
    To get things started for Freedom 40 in 40 I wanted to discuss my social supports or family and friends.  Perhaps a little background is in order here to show you my analysis of the situation.  You see regardless if you know it or not, work tends t…
    - 5 days ago 5 Jan 15, 5:24am -
  • Freedom 40 in 40 – Part I
    In just over 40 months I will be turning 40 years old and while I started this blog with the idea of leaving my day job at 45, I’m revising that down to 40th birthday.  Hence the title Freedom 40 in 40. Yet on this path to financial freedom I’ve…
    - 8 days ago 2 Jan 15, 10:22am -
  • Dec 2014 – Investment Update
    The following is an update of Tim’s plan to retire early.  Please note we are mortgage free, and the house equity isn’t part of the retirement plan. To track my progress I’ve decided to track both my expenses and my investment gains.  So once…
    - 9 days ago 1 Jan 15, 1:58pm -
  • A Change in Venue (For Me)
    It was over 5 years ago that Tim requested applications for guest writers on this site (my very first post is here). At that time, I had been reading this blog for over a year or so and thought that maybe people would like to read about my story. Now…
    - 11 days ago 30 Dec 14, 6:00am -

Sustainable Personal Finance

  • How to grow herbs inside your home
    Recently, I moved across the country. Instead of living in a home with a large backyard (complete with herb-filled raised garden bed), I live in a spacious third-floor apartment. While I have a small balcony, there really isn’t ample room out there…
    - 12 days ago 29 Dec 14, 6:48am -
  • Is a spending money fast the right move for you?
    If there’s a time of year that makes you feel that you’ve definitely been overspending, it’s the holiday season. Even when you try to be frugal, and keep the materialism to a minimum, spending still manages to creep. From the gift exchange you…
    - 23 days ago 18 Dec 14, 6:16am -
  • You’re Nuts To Buy a Vacation Home
    For many Canadians, the dream goes a little something like this.On Friday afternoon, after dealing with Carl from accounting for approximately the 400th time, it’s finally quittin’ time. You elbow past everyone else to the lobby, desperate to get…
    - 28 days ago 13 Dec 14, 4:28am -
  • Alternative Ways to Invest with ETFs
    When I have a little extra money to invest, I like the idea of trying something a little different. While most of my investments are very boring (think index ETFs and dividend aristocrats), I do have a few somewhat alternative investments in my portf…
    - 44 days ago 27 Nov 14, 5:04am -
  • Should You Take Investment Advice from People You Know?
    It always seems as though someone you know has a friend who got rich off an investment opportunity. Or what about the guy at the office who is always talking about how well his portfolio is doing? When you look at your own investments, it might be te…
    - 54 days ago 17 Nov 14, 4:46am -

The Passive Income Earner

  • Year End RESP Trades
    Every now and again, I sit down and review my accounts in details. My spreadsheet is setup to continuously show me my diversification across sector along with the performance of my different stock but I don’t dive deep all too often. I do a pass on…
    - 7 days ago 3 Jan 15, 9:25am -
  • Dividend Income – December 2014
    2014 is coming to an end and I have my last dividend income report for the year. I have to admit that in the dividend income world, there are rarely negative results. It usually requires a catastrophic event or a major change in competitive abilities…
    - 22 days ago 19 Dec 14, 7:11pm -
  • The Importance of Diversification
    Over the last 4 months, there has been some disruptions in the markets which can cause fluctuations in a portfolio. If you are not confident in your investments and strategy, you may be susceptible to making harsh investing decisions. It’s importan…
    - 28 days ago 13 Dec 14, 5:55pm -
  • Is It A Good Time To Consider A Gold IRA?
    Making decisions with regard to how to invest for retirement can be though. While the stock market seems like a good place to be now, there are several dangers that could spark an investor sell off. If this was to happen, gold could act as a great he…
    - 31 days ago 9 Dec 14, 10:31pm -
  • Understanding Investing for Retirement
    Over the past few years of blogging, I have been discovering many views on investing regarding its purpose for investors. Most people invest for retirement and some invest for other reasons but what is consistent amongst all goals is that the more t…
    - 32 days ago 8 Dec 14, 9:59pm -

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 www.canadianmoneysaver.ca 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 www.technicalspeculator.com.As 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 www.aafsinsurance.com.Introduction 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

  • Short Takes: Useless Forecasts, Stock Picking Risk, and more
    Here are my posts for this week:Security Analysis My Investment Record to 2014 The Dumbest Argument for Dividend Paying Stocks Here are some short takes and some weekend reading:Canadian Couch Potato explains just how useless and dangerous financial…
    - 1 day ago 9 Jan 15, 4:30am -
  • The Dumbest Argument for Dividend Paying Stocks
    This article’s title is a play on the title of a recent article at Dividend Growth Investor, “The dumbest argument against dividend paying stocks.” In it the writer uses a straw man argument to misrepresent criticisms of dividend investors who…
    - 2 days ago 8 Jan 15, 4:30am -
  • My Investment Record to 2014
    Each year I calculate my portfolio’s overall investment return. This used to be more important when I was actively picking individual stocks because it’s easy to delude yourself into thinking you’re doing well when you aren’t. Now that my p…
    - 3 days ago 7 Jan 15, 4:30am -
  • Security Analysis
    Even among stock pickers, few investors will read Benjamin Graham and David L. Dodd’s book Security Analysis cover to cover. It contains many useful insights into investing but is not an easy read. Originally written in 1934, this classic is now…
    - 5 days ago 5 Jan 15, 4:30am -
  • Short Takes: False Performance Advertising, First-time Donor’s Super Credit, and more
    I wrote one post this Christmas week laying out my somewhat fuzzy financial goals:My 2015 Financial Goals Here are some short takes and some weekend reading:Canadian money manager AGF Investments Inc. is sticking with U.S. fund manager F-Squared Inve…
    - 15 days ago 26 Dec 14, 4:30am -

Canadian Mortgage Trends

  • Mortgage Career: Radius Financial
    Company: Radius Financial Position: Regional Vice President, BC Region Location: British Columbia Advertise your mortgage job opening today! Click here to post. Or browse CMT’s Mortgage Jobs Database. Regional Vice President, BC Region Radius Fi…
    - 2 days ago 8 Jan 15, 12:01am -
  • Broker News Flashes
    Today saw two notable announcements in the mortgage broker industry. #1) Mortgage Alliance/Multi-Prêts Was Bought Out A group led by Luc Bernard acquired all shares of Multi-Prêts/Mortgage Alliance Group, one of the country’s leading mortgage bro…
    - 4 days ago 6 Jan 15, 8:17pm -
  • CMT’s Top 25 of 2014
    Mortgage news is never-ending. There’s always something happening to affect peoples’ biggest debt. Last year saw a host of memorable mortgage stories ranging from CMHC hiking insurance premiums, to 1.99% mortgage rates, to the passing of Finance…
    - 7 days ago 3 Jan 15, 7:54pm -
  • Shedding Light on OSFI’s BFS Document Guidelines
    OSFI’s final B-20 and B-21 underwriting guidelines left some unanswered questions, especially on validating income for self-employed (a.k.a. business for self, or BFS) borrowers.  For enlightenment, we connected with OSFI to clarify three spec…
    - 10 days ago 31 Dec 14, 4:58pm -
  • Lender Share Among Brokers – Q3 2014
    Since mid-2013, Scotiabank and First National have been locked in a horse-race for the title of “top broker channel lender.” In our last report, First National had snatched that crown from long-time front-runner Scotiabank . And now, the latest…
    - 11 days ago 30 Dec 14, 5:07pm -

Before You Invest

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

    - 3 Jun 14, 7:21am -

Give Me Back My Five Bucks!

  • 2015 Annual Goals
    Happy New Year! I hope that you all had a great holiday season. :) I’m coming off of a horrible battle with food poisoning, and I still don’t feel very good. But I’m happy to be getting back into some sort of routine. 2014 was an interesting ye…
    - 5 days ago 5 Jan 15, 12:50pm -
  • Are you getting a holiday bonus?
    Do you get a year-end bonus from work around the holidays? I haven’t worked for a company that has given out annual bonuses for a while, but now I am, I’m faced with the problem of how I’m going to spend the money. A good problem to have. :) A…
    - 25 days ago 16 Dec 14, 2:18pm -
  • Oh, hello December!
    I’m still here! It has been a crazy few weeks. It’s already December and I’ve realized this blog has been neglected for a month. And for that, I’m sorry. :( Work was starting to get insanely busy at the end of October, and all of sudden, I fo…
    - 39 days ago 2 Dec 14, 1:05pm -
  • October 2014 Goals: Recap
    As you can tell, I stopped posting my weekly spending recaps. I started doing them just as a reminder for myself, and since you guys seem pretty divided about them, I thought I’d just stop posting them altogether. :) This was a decent month. I went…
    - 66 days ago 5 Nov 14, 11:00am -
  • Looking at surgery
    Earlier this year, I mentioned how I wanted to put big travel plans on hold because I could have upcoming medical expenses that could cost me thousands. Well, now that I know a little bit more about the cost, I can share with you. :) You probably kno…
    - 68 days ago 3 Nov 14, 1:07pm -

Invest It Wisely

  • Don’t Be Emotional When It Comes to Your Mortgage
    For most people, a home is the biggest single purchase that they will ever make. When you are in the early days of home ownership, and you are simply excited to have your name on the deed, paying the mortgage each month doesn’t feel like a burden.…
    - 19 days ago 22 Dec 14, 5:05am -
  • Understanding Why You Buy Can Prevent Overspending
    Certain purchases in life are inevitable. Without food, shelter, clothing, and other necessities, life gets rather unpleasant rather quickly. However, just because we need certain items and services doesn’t mean we have to overspend on them. And wh…
    - 21 days ago 20 Dec 14, 4:59am -
  • How to Get Money When You Have Bad Credit
    Even when you have bad credit, there are ways to obtain the funds that you need. For most of these options you do need a steady job and a valid checking account. The interest rates on these types of loans are typically higher due to the increased ris…
    - 33 days ago 8 Dec 14, 2:32pm -
  • Dream Condo Found? 5 Mortgage Tips to Remember
    Are you thinking of buying a Condo? It’s a big commitment, one that shouldn’t be taken lightly. Getting your mortgage approved may well seem like the most difficult step on the road to your dream home, but amidst finding the best mortgage rates…
    - 47 days ago 24 Nov 14, 8:33am -
  • Figuring Out Auto Insurance
    Auto insurance is a necessary expense whether you own or lease a car.  In Canada, in order to drive a vehicle the law requires you to have valid car insurance. It provides you and others with financial protection against traffic accidents and any re…
    - 51 days ago 20 Nov 14, 5:31pm -

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

Riscario Insider

  • 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…
    - 20 days ago 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…
    - 27 days ago 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…
    - 34 days ago 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…
    - 41 days ago 30 Nov 14, 5:09pm -
  • CAREER ADVICE FOR GRADE 8 STUDENTS
    I’ve got a newfound respect for educators after guiding 30 lively Grade 8 students through the Junior Achievement Economics for Success program with Dana Mitchell for Advocis during Financial Literacy Month. Thanks to teacher Maureen Deeney and Pr…
    - 48 days ago 23 Nov 14, 6:00am -

My University Money

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

Canadian Personal Finance

  • How to watch NHL hockey without cable?
    I am a big hockey fan (playing not watching) but many fellow Canucks love to watch the NHL. I wanted to share the various ways you can watch without an expensive cable subscription in Canada. 1. Try HockeyStreams and get all the games streamed live!…
    - 91 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…
    - 17 Sep 14, 10:35pm -
  • Get $250 Cash for transferring to Questrade
    You’re in the market to build your assets. Kick start your portfolio with up to $250 in cold hard cash when you open a new account. $250 CASH in your account Fund a new account with a minimum of $100,000 $100 CAS in your account Fund a new account…
    - 23 Aug 14, 4:33pm -
  • What You Need to Consider When Buying Life Insurance
    Life insurance is an essential component of nearly all financial plans. Having this coverage in place can help to protect income, and to keep assets in place – where they belong – in case of the unexpected. Yet, prior to purchasing a policy, it i…
    - 15 Aug 14, 10:46pm -
  • Tips for Getting Out from Under a Payday Loan
    Once a payday loan is taken, most consumers get into a cycle of paying one off and getting another. In some cases, another payday loan is taken to pay a different one off. This is a vicious cycle that costs consumers a lot of money in administrative…
    - 14 Aug 14, 6:03pm -

Thirty Six Months

  • 5 Stock Picking Secrets Revealed
    It’s easy to get tangled in the buzz of hot stocks every day, but picking a winner requires some serious work. When picking stocks, things like luck and coincidence can only take you to a bridge, not help you cross it. The real success lies in unde…
    - 12 days ago 29 Dec 14, 12:10am -
  • 5 Tips for a Productive At Home Office
    Working from home can be a blessing. Instead of spending your day commuting, you can focus on your projects from the comfort of your own house. To ensure you stay productive while at home, check out these tips for styling a functional home office. 1.…
    - 26 days ago 14 Dec 14, 11:26pm -
  • Get The Credit You Deserve for Your Education – Credit Union Student Lending
    Recently, I ran into my young cousin, who just started her final year of high school. As we spoke about the excitement of the home stretch of high school, my cousin and I began talking about university and the financial difficulties that she may face…
    - 38 days ago 3 Dec 14, 8:18pm -
  • Credit Unions and Cars – The Simple Purchase
    As of this December, the lease on my second car will be up. After eight years of leasing cars and enjoying two new vehicles in a row, I have taken it upon myself to figure out what will be better financially for my next set of wheels. To lease or to…
    - 44 days ago 27 Nov 14, 4:32pm -
  • Tips for Finding Funding for Your Start-Up
    Most people don’t know this, but I my day job involves working with VC firms and startups. I basically get to hear pitches every day all day. And while most people think that getting on Shark Tank or finding an investor will help them, the reality…
    - 44 days ago 27 Nov 14, 9:46am -

How To Save Money

  • Which Rust Proofing Service Is Best?
    January 06, 2015 @ 8:00 am by Stephen WeymanIf you visit the southern USA, you will see all kinds of late model vehicles on the streets that look like they were just driven off the lot. Unless you garage your vehicle in the winter and only drive it d…
    - 4 days ago 6 Jan 15, 5:00am -
  • Cycle To Work And Save $10K A Year
    December 30, 2014 @ 8:00 am by GuestIf you’re like a lot of people, you probably consider your car a necessity. While a car is a convenient way to travel from Point A to Point B, you might reconsider how often you drive your car if you knew how exp…
    - 11 days ago 30 Dec 14, 5:00am -
  • 2014 $1000 Cash HUGE Christmas Giveaway Winners!
    December 22, 2014 @ 3:46 pm by Stephen WeymanI want to personally thank all my readers new and old for helping to make my Christmas Giveaway a HUGE success again this year! Without your ongoing support I wouldn't be able to keep this site going. Ever…
    - 19 days ago 22 Dec 14, 12:46pm -
  • How To Make Your New Car Last Forever
    December 22, 2014 @ 12:05 pm by Stephen WeymanUp here in the frozen north, the land of salt and snow, it is hard to keep a vehicle on the road for more than 10 years before it becomes a bucket of useless rust and a fountain of endless repair bills!I…
    - 19 days ago 22 Dec 14, 9:05am -
  • You Can Get Paid To Have A Massage!
    December 16, 2014 @ 8:00 am by Stephen WeymanBeing a dude, going to the spa for a massage just feels wrong! In fact, for years I completely avoided it. However, my wife started going for semi-regular massages and kept telling me just how wonderful th…
    - 25 days ago 16 Dec 14, 5:00am -

My Own Advisor

  • Weekend Reading – Portfolios, what will it take, dividends, goals and more
    Learn, save, invest and prosper by subscribing to My Own Advisor.Welcome to some Weekend Reading, offering the best in personal finance and investing reading for the week that was. This week was busy for yours truly so in case you missed it, here we…
    - 2 days ago 8 Jan 15, 3:01pm -
  • What you really need to know about permanent insurance
    Learn, save, invest and prosper by subscribing to My Own Advisor.As noted in a previous article there are two families of life insurance available in Canada; Term Life Insurance and Permanent Life Insurance.  The most misunderstood of those two typ…
    - 3 days ago 7 Jan 15, 3:43pm -
  • 2015 Financial Goals
    Learn, save, invest and prosper by subscribing to My Own Advisor.Over the last couple of years I’ve posted our financial goals on My Own Advisor.  Some fellow bloggers have noted this might be a bold move but I don’t consider it too daring.  O…
    - 5 days ago 5 Jan 15, 4:23pm -
  • 2014 Financial Predictions Final Update
    Learn, save, invest and prosper by subscribing to My Own Advisor.Earlier this year, just for fun I shared some financial predictions for 2014.  Here’s a recap of what I predicted and where things are at year-end. The Dow Jones Industrial Average…
    - 6 days ago 4 Jan 15, 7:29am -
  • Weekend Reading – What the markets did, rewards, goals galore and more
    Learn, save, invest and prosper by subscribing to My Own Advisor.Happy New Year friends and welcome to some holiday weekend reading! Over the holidays I posted this milestone about my site, 500,000 pageviews in 2014 and after daydreaming I wrote a…
    - 8 days ago 2 Jan 15, 7:38am -

Montreal Financial

  • Prevent Cash Flow Crises with these Ten Tips:
    One of the most pervasive problems that face small business owners, particularly in the initial and growth stage of their enterprise, is maintaining sufficient cash flow.  Many businesses with great potential have suffered an untimely demise due…
    - 46 days ago 25 Nov 14, 9:03pm -
  • Guidelines For Deducting Conference and Training Expenses
    Attending conferences and investing in ongoing training can be a great way for small business owners to keep current on industry developments and improve their skills.  It also allows for networking opportunities and occasionally includes trips t…
    - 9 Jul 14, 2:36pm -
  • 5 Income Tax Tips from the Trenches
    It is the time of year when many accountants and tax preparers live, breathe, eat and sleep taxes (leaving very little time to write about them!).  And while much of it is routine, there are numerous issues that arise, the treatment for which is…
    - 13 Apr 14, 7:05pm -
  • What Small Business Owners need to know about Tax Filing Deadlines for 2014
    One of the responsibilities of being a small business owner requires having to submit a variety of tax declarations by specific deadlines or face consequences that involve penalties, interest and if left long enough, aggressive letters from Revenu…
    - 5 Feb 14, 4:30pm -
  • 9 Year End Tax Planning Tips for Small Business Owners
    As the end of the year draws nigh, it is time for business owners everywhere to start contemplating some end of year tax planning tips to not only ensure that they can maximize their tax deductions and reduce taxes payable, but to streamline the t…
    - 27 Nov 13, 3:56pm -

Financial Uproar

  • The Uproar Fund End of 2014 Update (Plus, a New Stock Pick)
    Oh hey, it’s the Financial Uproar fund of FUN. Are you all literally grinning like this guy right now? Okay, maybe not. When we last visited the Uproar Fund, the value of it had declined approximately 1%, on account of it only having three position…
    - 2 days ago 8 Jan 15, 6:00am -
  • The 2015 Stock Picking Contest Begins
    For the last 4 years, I’ve hosted some of the best personal finance/investing blogs (and Financial Uproar) for a little stock picking contest. I once promised chips to the winner, but like that ever happened. So instead they get a ridiculously terr…
    - 5 days ago 5 Jan 15, 5:00am -
  • 2014 Stock Picking Contest Final Results
    If you still want to enter the 2015 version of the contest, send me an email or scroll up to the ‘contact me’ link on the toolbar. There’s still time. Open to anyone who wants in. Back in January, I asked some of the finest personal finance and…
    - 8 days ago 2 Jan 15, 6:00am -
  • Why The Entrepreneur Mindset Is Important
    It’s New Year’s Eve Eddie, which is exactly the same as regular Eddie.  Last week (sort of) we were introduced to the three distinct personalities within a small business owner: the Technician, Manager, and Entrepreneur. This was based on Micha…
    - 10 days ago 31 Dec 14, 6:00am -
  • Why Most 2015 Predictions Will Be Pretty Much Useless
    Because those of us who write a lot of stuff are inevitably lazy, you’re likely seeing a lot of 2015 predictions come forth. “Why X stock will be ZOMG in 2015!” “Why oil will continue to be weak in 2015!” “Why Y stock will continue to suc…
    - 12 days ago 29 Dec 14, 6:00am -

Modest Money

  • Why You Need to Start Saving for Retirement Now
    When is the last time saving for retirement crossed your mind? Do you have your savings on auto-pilot, or are you waiting until you’re “older” to start investing? You shouldn’t be putting off saving for retirement, especially if you’re in y…
    - 1 day ago 9 Jan 15, 7:15am -
  • Why To Buy And Hold
    Looking to invest in property or buy a home? Never had any experience with home ownership before? You are going to need to get familiar with a whole heap of new people and titles in order to get started on your journey. After all, building …The po…
    - 2 days ago 8 Jan 15, 7:15am -
  • How to Refinance Your Student Loans and Save Money
    This is for all you overachievers who graduated and have a job but are still paying off your student loans. Awesome things you have figured out: College? Check. Career? Check. High interest rate student loans? Nope. There is much to be thankful for a…
    - 3 days ago 7 Jan 15, 7:15am -
  • Home Buying Made Easy
    The dream to own your own home is instilled in us from a very young age. We’re spruiked glossy magazines and images on the TV and in newspapers proclaiming that the great Australian dream is to own your own home. But what happens when the …The p…
    - 4 days ago 6 Jan 15, 7:15am -
  • What Kind of Equipment Can I Finance and How Can I Do It?
    One of the most important decisions you will need to make as a business owner is how you will acquire the equipment you need to run your business. This is especially true for traditional businesses in the transportation, industrial and construction f…
    - 5 days ago 5 Jan 15, 7:15am -

Mo' Money Mo' Houses

  • Week in Review: Flight Delay, the CRA Wants My Money and My Financial Planner is MIA
    Thank god it’s Friday! All I want to do is bundle up in a blanket and sleep forever. And not just because I’m still a bit jet lagged from my flight or mentally exhausted from this week, but because it’s basically -40c outside. Honestly, I’m…
    - 1 day ago 9 Jan 15, 4:00am -
  • 5 Ways to Keep Motivated After New Years
    The time is almost up on my HB and I’s Christmas/New Years trip to Vancouver. We’ve been here for almost 3 weeks and it’s been amazing to have this much time to spend with friends and family. Although I’ve got mixed feelings about leaving, I…
    - 5 days ago 5 Jan 15, 1:37pm -
  • 2015 Life and Financial Goals
    Well, it’s officially 2015. I hope everyone had a great New Year’s celebration (and recovery yesterday). My HB and I hung out with some friends, went to a comedy show, then did a bit of bar-hopping. I think the last time I bar-hopped or stayed ou…
    - 8 days ago 2 Jan 15, 12:05pm -
  • A Look Back on 2014
    I can’t believe it’s almost 2015. I can still remember vividly being in middle school and getting ready to celebrate the millennium. I even held onto this candle shaped like “2000” for a good 7 years because I thought it would be worth someth…
    - 11 days ago 30 Dec 14, 12:52pm -
  • Merry Christmas from Mo’ Money Mo’ Houses
    Merry Christmas everyone! Wishing everyone a wonderful day full of laughter, food and community. I am personally so thankful that I get to spend the holidays this year with my amazing husband, my family and all of my friends from Vancouver. This has…
    - 16 days ago 25 Dec 14, 10:48am -

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…
    - 89 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…
    - 93 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…
    - 96 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…
    - 100 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

  • Inspiring Intentional Living
    Happy Friday, friends! Or should I say TGIF? I’ll admit, it felt strange to type something other than those four letters at the top of this post, after doing it for so long… but in a good way. Something about “TGIF” itself had started to feel…
    - 1 day ago 9 Jan 15, 5:00am -
  • It Costs Nothing to Be a Better Person
    Last year, one of my goals was to live by a mantra: do good, feel good. As you know, I eventually changed it to do better, feel better, which was intended to be a new mindset for improving my physical health, as I got back into a regular workout rou…
    - 3 days ago 7 Jan 15, 5:00am -
  • Why I’m Turning My TV Off for 31 Days
    When I was a kid, my mom and I only had 3 television channels: 2, 5 and 13. Channel 2 was, and always will be, CBC. Channel 5 aired the news and other evening programming I wasn’t allowed to watch. And Channel 13 was where I could find cartoons, b…
    - 5 days ago 5 Jan 15, 5:00am -
  • January Budget & Goals for 2015
    Happy New Year, friends! I can’t begin to explain how fired up I am right now. I’ve honestly never felt like this at the beginning of a new year before. Last year, it took me almost two weeks to write a list of goals, and even after I published…
    - 8 days ago 2 Jan 15, 5:00am -
  • Update: December Budget + How Much I Spent in 2014
    We’re in the final hours of 2014, and I have to admit: I’m very much looking forward to a new year. It feels cliche to say that December was the most stressful month for my finances this year, but it’s true. From travelling for 22 days of the…
    - 10 days ago 31 Dec 14, 5:00am -

DoNotWait!

  • 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

  • newImportant 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…
    - 17 hours ago 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

  • Mark & Lori’s Excellent African Adventure – Part Two
    On Monday, you read about my special safari experience at the Kwetsani Camp. Today, you will be a part of my unforgettable encounter with Wild Dogs at the Savuti Camp, located in northern Botswana.  Heads up; this blog has a graphic picture at the e…
    - 3 days ago 7 Jan 15, 4:30am -
  • Mark and Lori's Excellent African Adventure
    A few years ago, after watching the movie The Bucket List my wife Lori and I created our own Bucket Lists. We had three adventures in common: going on Safari, watching polar bears in Churchill Manitoba and visiting the Galapagos Islands. In late Oct…
    - 5 days ago 5 Jan 15, 4:30am -
  • Year-end Financial Cleanup
    In 2015, would you like to improve your money management, minimize taxes and ensure your loved ones have a financial road map? Then this holiday season, in between your family gatherings and watching the 2015 IIHF World Junior Championships consider…
    - 13 days ago 28 Dec 14, 8:49am -
  • The Family Tax Cut - Should Joint Filing be Next?
    In late October, while I was vacationing in South Africa, details of the proposed Family Tax Cut were announced by Prime Minister Stephen Harper. Since the financial press was all over this, I will provide a quick recap below. Then for a fun (hey I a…
    - 26 days ago 15 Dec 14, 5:37am -
  • Personal Pension Plans
    The last time I wrote about Individual Pension Plans (“IPPs”) was in 2011; see my blog. Recently, I have received a few emails from my readers asking if I planned to update the discussion on this topic. As it happens, over the last year or so, I…
    - 33 days ago 8 Dec 14, 4:30am -

The Investment Blog

Recommended Broker

  • Switzerland will start charging for depositing large sum of money
    Switzerland made its main interest rate negative on Thursday, a rare occurrence designed to discourage investment by foreign money that has poured into the country in part to escape the plunging Russian ruble. The Swiss central bank will start chargi…
    - 19 days ago 22 Dec 14, 8:11am -
  • How I bought $1,300 worth of Starbucks coffee in less than a minute?
    A couple of months ago I got a strange phone call. “Mr. Delev, I am calling from the Fraud Prevention Center of Master Card. Did you just order $1,300 worth of Starbucks gift cards?” “No. I am not even a…Read more →
    - 7 Sep 14, 10:00am -
  • Familiar trend: Rich get richer
    The recent report of the Federal Reserve in the US confirmed onece again a well known trend – the rich get richer all the time and regardless of the economic environment. Median incomes, adjusted for inflation, for the top 10%…Read more →
    - 7 Sep 14, 9:06am -
  • Billionaire says we should all work 3 days a week but never retire
     People will have to work longer, to 70 or 75 years old, and only work three days a week. Carlos Slim, one of the world’s richest men, says instead of the current model of a 40-hour workweek and retirement in…Read more →
    - 11 Aug 14, 7:28am -
  • TFSA withdrawal rules: Not everybody pays attention…
    A tricky rule keeps tripping up thousands of Canadians who make withdrawals from their tax-free savings accounts, and replace the money too early. TFSA withdrawal rule keeps catching unwitting Canadians Related PostsBecoming a home owner: Step 1 The…
    - 11 Aug 14, 7:19am -

Rewards Cards Canada

  • Do you pay off your credit card immediately or wait until the balance is due?
    Consumers who are a little uneasy about credit card debt might want to pay off their balance immediately following a trip to the mall or grocery store. You don’t even have to leave the store these days – just make a payment using a mobile bankin…
    - 4 days ago 5 Jan 15, 10:46pm -
  • Top Rewards Card and Loyalty Program Stories of 2014
    As expected, this year brought considerable change to the credit card industry, particularly when it comes to rewards cards and loyalty programs. Here’s what made headlines in 2014: TD launches Aeroplan credit cards January 1st marked the beginning…
    - 11 days ago 29 Dec 14, 9:44pm -
  • How I Cashed In On Credit Card Rewards This Year
    The key to maximizing your credit card rewards is choosing a card (or cards) that allows you to earn more points in the categories that you spend the most. Online calculators – like the one developed by MoneySense – can tell you in theory which c…
    - 27 days ago 14 Dec 14, 12:36pm -
  • WestJet RBC World Elite MasterCard: Should You Get This Card?
    Backed by a big advertising campaign and generous welcome bonus, the WestJet RBC World Elite MasterCard is making a push to become the nation’s top airline credit card. Should you “get this card”? WestJet made headlines this fall when the airli…
    - 38 days ago 3 Dec 14, 9:09pm -
  • Why Costco’s Executive Membership Is Worth The Fee
    More than six million Canadians fork over $55 per year for the privilege to shop at Costco, the popular wholesale club, and take advantage of bulk pricing and several products unique to the store.  Is it worth the money?  The company says nearly…
    - 39 days ago 1 Dec 14, 10:04pm -

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…
    - 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 -

Miiockm

  • Jan 2015 Net Worth Update +0.44%
    The TSX took a beating mid-month but recovered slightly by the end and so I've avoided the dip in net worth that I was expecting. I'm not overly thrilled with any of the numbers, but I don't have a lot to complain about either seeing as things are st…
    - 7 days ago 3 Jan 15, 5:49pm -
  • Dec 2014 Net Worth Update +1.76%
    The TSX is being battered at the moment so I expect my numbers to drop significantly by the next update. Nothing else to report - just need to keep moving forward.TFSA - $40,058.15 +1.82%RRSP - $5,436.65 +2.00%Company stocks - $352.43 (stocks purcha…
    - 25 days ago 15 Dec 14, 11:47pm -
  • 2015 TFSA Limit = $5,500
    The CRA has announced that the annual TFSA contribution limit for 2015 will be $5,500. This makes the total possible contribution room since introduction a sizeable $36,500.2015: $5,5002014: $5,5002013: $5,5002012: $5,0002011: $5,0002010: $5,0002009:…
    - 46 days ago 25 Nov 14, 8:28pm -
  • Nov 2014 Net Worth Update +0.95%
    This last month was full of expenses so I am pleased to report that I have recovered most of the losses from the previous month and am now ready to begin saving again. As you can see I had to liquidate all of the shares I held in my employee share pu…
    - 64 days ago 7 Nov 14, 12:42am -
  • Oct 2014 Net Worth Update -1.01% - Red all over
    (I am posting this very late now - Nov 6, 2014)Market jitters, fresh expenses, and two unfortunate pay-dates came together in September to create the perfect storm and resulted in the red percentages you see below. However, seeing as this is my first…
    - 64 days ago 7 Nov 14, 12:02am -