The Globe And Mail

Financial Post

Rob Carrick

Million Dollar Journey

  • Save Money with USD to CAD Foreign Exchange using Norbert’s Gambit
    With the U.S Dollar (USD) gaining strength in the global currency game, it has resulted in the Canadian Dollar (CAD) losing some ground.  While this means that shopping in USD is more expensive for Canadians, it’s great news for those who have som…
    - 6 days ago 17 Nov 14, 5:30am -
  • Gas Rewards Programs Compared
    Almost everyone needs to buy gas and I suspect most Canadians have participated in a rewards program affiliated with their favourite brand. But, are these rewards actually worthwhile? Are you getting a half decent return on your spending and, more im…
    - 13 days ago 10 Nov 14, 5:30am -
  • Aeroplan Promo, Estate Planning, Saving on Travel, Lessons from Elders and more!
    For Aeroplan fans, TD Infinite Visa has an enticing limited time promotion (expires December 19, 2014): Current offer: Welcome Bonus of 15,000 Aeroplan Miles with your first purchase and an additional 10,000 miles when you spend $1,000 on your Card w…
    - 16 days ago 7 Nov 14, 5:30am -
  • Net Worth Update November 2014 – Sean Cooper (+5.21%)
    Welcome to the Million Dollar Journey November 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. Sean…
    - 20 days ago 3 Nov 14, 5:30am -
  • How Much Does Electricity Usage Cost?
    Winter is approaching which means the refreshing crispness in the air will lead to higher heating costs.   For the most part, modern houses built in Newfoundland use electricity for heat, whereas places like Toronto, use natural gas.  Even if you d…
    - 27 days ago 27 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

  • How Canadians Can Take Advantage of Black Friday and Cyber Monday
    Shopping in the United States is elevated almost to a contact sport. Sales and discounts abound on a predictable schedule. Here in Canada, it’s true that we get Boxing Day on December 26th. However, in the States they also end up with “after Ch…
    - 6 days ago 17 Nov 14, 3:00am -
  • How to Reach Financial Independence at Age 31
    What does financial freedom mean to you? To me it means “findependence,” a term short for “financial independence”, coined by veteran personal finance columnist Jonathan Chevreau. I really enjoyed Chevreau’s book, Findependence Day: How to…
    - 13 days ago 10 Nov 14, 3:00am -
  • What Should You Do With Your Tax Free Savings Account?
    One of the good things about our government is the fact that it is interested in encouraging the population to save… at least to some degree. To this end, Canada’s government offers special savings accounts that come with tax benefits. One of t…
    - 20 days ago 3 Nov 14, 3:00am -
  • How Much Mortgage Can I Afford?
    Due to the economic crisis and mortgage crisis that swept the United States, not to mention the fact that many people have been concerned about a housing bubble bursting here in Canada. One of the policies that came out of the situation was that the…
    - 27 days ago 27 Oct 14, 3:00am -
  • 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…
    - 34 days ago 20 Oct 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

  • Year End Checklist
    This is the time of year that we are reminded that time flies incredibly fast. The Christmas season has already started and it won’t be long before we will wrap up another year. While many of our investment portfolios have taken setbacks, keep foc…
    - 3 days ago 21 Nov 14, 12:24am -
  • Be mindful of holiday spending faux pas
    For me a financial holiday faux pas is when your actions in December have negative financial consequences in the future.  Here’s some financial faux pas to think about as you continue your holiday spending. Stop being overly emotional with your sp…
    - 5 days ago 19 Nov 14, 12:05am -
  • 5 Ways to Spend Less This Holiday Season
    “Christmas is the season when you buy this year’s gifts with next year’s money.” – Author Unknown Any happy illusions I had about the Holiday season still being a distant, snow-covered dream were shattered when I made the mistake of wanderi…
    - 7 days ago 17 Nov 14, 12:24am -
  • How receiving a partial OAS pension affects GIS amounts
    As you may be aware, seniors who have limited income aside from their OAS pension may be eligible for the Guaranteed Income Supplement (GIS), which is part of the Old Age Security (OAS) program. If you have ever looked at the GIS rate tables on Servi…
    - 11 days ago 12 Nov 14, 3:04pm -
  • Seniors, Retirement and Debt
    “This idea that a mortgage is forever is a bad plan; this idea that debt is forever is a really bad plan. Debt will only steal your golden years away from you.” – Dave Ramsey With the oldest of the baby boomers now in their late 60s, it’s har…
    - 13 days ago 11 Nov 14, 12:17am -


  • 5 Budget-friendly tactics for surviving Black Friday
    5 Budget-friendly tactics for surviving Black Friday: Ditch the tent, lose the lineups, and leave your pepper spray at home. I'll help you stay on budget and save money in preparation for Black Friday.
    - 4 days ago 19 Nov 14, 8:28pm -
  • How to make a sandwich
    How to make a sandwich: When a fancy cooking program showed me how to make a simple sandwich, I got snarky and calculated the cost of lunch.
    - 7 days ago 16 Nov 14, 6:11pm -
  • Are you frugal or cheap?
    Are you frugal or cheap?: Take the frugality test by answering these cheapness questions to see for yourself.
    - 17 days ago 6 Nov 14, 7:15pm -
  • Is Dollarama’s $3 HDTV antenna worth it?
    Is Dollarama's $3 HDTV antenna worth it?: I bought a three dollar TV antenna from the dollar store. This is what happened.
    - 24 Jun 14, 6:51pm -
  • Daddy plays. Mommy cries.
    Daddy plays. Mommy cries.: My two-year-old daughter noticed something was wrong. My depression was back.
    - 1 Jun 14, 11:05am -

Financial Highway

  • 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…
    - 20 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…
    - 27 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…
    - 34 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…
    - 39 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…
    - 40 days ago 14 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…
    - 72 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

  • newFinancial Tweets of the Week
    No not financial twits of the week, given my propensity to pontificate on Twitter, I figured I’d add my considerable skill at finding useful information by compiling a few of my favorite tweets of the week (what is the tongue in cheek font?). The P…
    - 3 hours ago 23 Nov 14, 9:43am -
  • Lake Effect Snow, Web Cameras, Travel Insurance and #BestThisWeek
    We got to see what Lake Effect Snow actually means with some vivid photos of Buffalo getting buried by 7 feet of snow. They are getting more snow today evidently, this is why I am happy that Ottawa only has a river running through it. The worst part…
    - 2 days ago 21 Nov 14, 5:10am -
  • Great Possible Financial Book Titles
    After a long discussion with my publisher (BCM Publishing) about my upcoming book, we got stuck on what the title should be, so here are some of the best possible titles that we can think of for this soon to be best-seller.  Remember the title is w…
    - 4 days ago 19 Nov 14, 5:03am -
  • What is Financial Literacy (2014 Edition)
    A few years back I wrote about financial literacy, and you may not know, that November is Financial Literacy month in Canada, although, financial literacy should be an all year round kind of thing. Just like Movember (which I am actively participati…
    - 6 days ago 17 Nov 14, 4:14am -
  • Asteroids, Tax Cuts, Lemurs and #BestThisWeek
    We have finally landed on an asteroid, isn’t that great news? It is interesting that is for sure, they are having some glitches with the part that is supposed to make sure it stays attached, but pretty amazing stuff, given the Asteroid isn’t that…
    - 9 days ago 14 Nov 14, 5:09am -

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

  • 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…
    - 4 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…
    - 46 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…
    - 60 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…
    - 60 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…
    - 97 days ago 18 Aug 14, 10:47am -

Canadian Couch Potato

  • Ask the Spud: Bond ETFs in Taxable Accounts
    Q: Can you share your thoughts about the BMO Discount Bond (ZDB) and the Horizons Canadian Select Universe Bond (HBB) as long-term holdings in a taxable account? – D. F.Earlier this year BMO and Horizons both launched bond ETFs specifically design…
    - 4 days ago 19 Nov 14, 6:28am -
  • Tax Loss Harvesting Revisited
    No one likes to see their investments plummet in value, but it’s going to happen many times over your lifetime. If you’ve got a strategy for tax loss selling, you can make the best of the situation by harvesting capital losses that can be used to…
    - 20 days ago 3 Nov 14, 6:00am -
  • Do 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…
    - 30 days 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…
    - 34 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…
    - 38 days ago 16 Oct 14, 3:30am -

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,…
    - 70 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…
    - 73 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…
    - 86 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

  • Weekend Reading: Findependence Edition
    Jonathan Chevreau has launched an ambitious project with the unveiling of, a portal dedicated to all things related to financial independence.  In addition to articles from Chevreau himself, you’ll also find blogs from promine…
    - 3 days ago 20 Nov 14, 9:34pm -
  • Converting An RRSP To A RRIF: What You Need To Know
    You’ve spent years saving for your retirement. Now it’s time to enjoy the benefits of these savings. One option is to convert your savings to a RRIF. What is a RRIF? A RRIF is an extension of an RRSP. While your RRSP was used to save for your ret…
    - 5 days ago 18 Nov 14, 3:00pm -
  • How To Hack Gift Cards For Big Discounts
    Gift cards are big business! Gift card sales were $110 Billion in the USA for 2012 and that figure is expected to rise to $150 Billion by 2015. In Canada, 1.5% of the value all retail sales are paid for using gift cards, which is crazy when you think…
    - 7 days ago 16 Nov 14, 9:19am -
  • Should Banks Have A Hand In Promoting Financial Literacy?
    The financial industry takes a keen interest in promoting financial literacy as a do-good service to Canadians. November is Financial Literacy month, and the big banks and their PR machine have pushed out survey after survey explaining why Canadians…
    - 10 days ago 13 Nov 14, 3:00pm -
  • How To Become A Successful Investor: Prepare An Investment Policy Statement
    To be a successful investor you need to control your emotions and commit to a disciplined investment plan. If you have an investment advisor or manager, he or she should have prepared a written investment policy statement (IPS) for you. This goes bey…
    - 12 days ago 11 Nov 14, 1:00pm -

Young and Thrifty

  • November networth update: $343,130 (+0.9%)
    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.
    - 6 days ago 17 Nov 14, 9:51pm -
  • 4 Ways to Pay your Mortgage Off Faster
    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.
    - 11 days ago 12 Nov 14, 7:25am -
  • Dating and Relationships
    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.
    - 14 days ago 9 Nov 14, 9:54pm -
  • Your Health is Your #1 Asset: Take Care of It
    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.
    - 18 days ago 5 Nov 14, 7:00am -
  • Don’t Buy Too Much Home
    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.
    - 21 days ago 2 Nov 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

  • Why I still like Low Volatility ETFs
    The recent equity market air pocket turbulence has added a bit more comfort and confidence to my decision to devote a substantial part of my Canadian equity allocation to BMO's low volatility ETF (TSX symbol: ZLB). The Google Finance chart says it al…
    - 27 days ago 27 Oct 14, 8:22am -
  • 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 -

Today's Economy Blog

  • 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.
    - 4 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.
    - 18 days ago 5 Nov 14, 5:30am -
  • Your retirement date will probably be a surprise
    Seven in 10 retired Canadians did not exit the workforce on the date they planned. That’s according to the 2014 Sun Life Canadian Health Index.
    - 33 days ago 21 Oct 14, 6:20am -
  • Seven questions to ask yourself before you retire
    Now that you have your financial plan in shape, you’re almost ready for retirement. Question is: What on earth are you going to do?
    - 46 days ago 8 Oct 14, 5:30am -
  • Should you consider an annuity?
    An annuity’s promise of guaranteed income is attractive in volatile markets. Product features matter though -- here’s a primer.
    - 60 days ago 24 Sep 14, 8:55am -

Canadian Dream: Free at 45

  • Not Something to Procrastinate Over
    I will freely admit I am a procrastinator. When I was taking accounting courses, it took me more than a few nights of little sleep and some dopey days at work before I finally talked myself into getting things done at least two days before the deadli…
    - 5 days ago 18 Nov 14, 5:45am -
  • You Might Be Saving Too Much
    Despite the fact a large amount of people aren’t saving enough for retirement there also tends to be a minority that save too much.  In some cases, it really is on purpose but for others I would wager that they don’t understand some of core assu…
    - 9 days ago 14 Nov 14, 8:26am -
  • The Passion Career
    I’ve told this story a few times before, but perhaps a short recap would be useful. Once upon a time there was a young boy who dreamed of being a writer for living, but upon getting to high school and learning how little that could pay (in fact the…
    - 11 days ago 12 Nov 14, 5:45am -
  • What to “Sacrifice”?
    The basic premise of any retirement plan, whether it’s at 70 years or 35 years is to abstain from spending today, so there is money left at some future date. The difference between early and a more “advanced” retirement is the level of savings…
    - 12 days ago 11 Nov 14, 6:37am -
  • Novel Writing
    Dear reader, Yes I’m ignoring you.  It isn’t your fault, but rather my decision to try out being part of National Novel Writing Month.  The goal of the month is to finish 50,000 words of a novel from Nov 1 to Nov 30. So I’m writing a lot of m…
    - 17 days ago 6 Nov 14, 9:37am -

Sustainable Personal Finance

  • 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…
    - 6 days ago 17 Nov 14, 4:46am -
  • The Great Thanksgiving Charity Giveaway!!!
    A few bloggers both north and south of the border have decided to host a pre and post Thanksgiving Charity giveaway!The contest will run from November 5th, 7am EST to November 27th, 11:59pm EST.We’re starting at $125 for the winner and $125 for cha…
    - 18 days ago 5 Nov 14, 5:15am -
  • 5 Easy Ways To Save Money While Traveling
    I bet you like to travel. I know I do.In all my years, I’ve really only met one person who doesn’t legitimately enjoy getting away from it all for a few days — and that’s my dad. He really hates sleeping in a strange place. In fact, he gets s…
    - 19 days ago 4 Nov 14, 4:29am -
  • How to Start Dividend Investing When You Have Little Cash
    If you want to build long-term wealth, investing is one of the best options. To really super-charge your efforts, though, dividend investing can be a great option. With dividend investing, you have the chance to reinvest what you receive in payouts,…
    - 25 days ago 29 Oct 14, 5:26am -
  • 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…
    - 38 days ago 16 Oct 14, 7:41am -

The Passive Income Earner

  • Dividend Income – November 2014
    The year is almost done from a dividend income perspective and I am starting to look at where I will deploy some savings early in the new year. I nearly have my full TFSA contribution of $5,500 ready to go once January 1st comes around the corner. I…
    - 7 days ago 16 Nov 14, 6:48am -
  • Is Wal-Mart King of Consumer Goods Retailers?
    The consumer goods sector is an interesting sector as you have brands and retailers of brands. In the retailers’ corner you  have Costco (COST), Wal-Mart (WMT) or Target (TGT) selling brands from Johnson & Jonshon (JNJ), Coca-Cola (KO) or General…
    - 10 days ago 13 Nov 14, 12:08pm -
  • Revealing the PIE Score
    The PIE score is my proprietary formula for assessing the purchase timing of a stock. It’s a great technical indicator to see if a stock is ripe for purchase compare with others in its sector or my list. It’s not a score that identifies the long…
    - 22 days ago 1 Nov 14, 9:16pm -
  • The Case For Buying AAPL
    As an investor, you always want to keep your options open. Your stock watch list should be an ever changing list where companies are added and companies are removed from the list. For the longest time, I did not have APPL on my watch list as it was n…
    - 28 days ago 26 Oct 14, 1:08pm -
  • TFSA Performance After 5 Years
    The Money Sense magazine is doing their 2nd annual TFSA Race by sharing reader’s portfolio performances. What I find nice about the TFSA account aside from the tax free aspect is that everyone is on the same playing field. It doesn’t matter if yo…
    - 33 days ago 21 Oct 14, 11:49pm -

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

  • Untitled
    Short Takes: Lottery Fictions, Recovering Madoff Losses, and moreHere are my posts for this week:Evaluating Reasons to Avoid Index Funds Dividends vs. Capital Gains in Retirement Core and Explore Here are some short takes and some weekend reading:Joh…
    - 2 days ago 21 Nov 14, 4:30am -
  • Core and Explore
    The idea of “core and explore” investing is that you commit the bulk of your portfolio to a sensible “core” strategy, and use a small percentage to “explore” some of your own stock picks. Much has been written about the merits of this in…
    - 3 days ago 20 Nov 14, 4:30am -
  • Dividends vs. Capital Gains in Retirement

    - 5 days ago 18 Nov 14, 4:30am -
  • Evaluating Reasons to Avoid Index Funds
    It’s important to read books and articles that make arguments that are at odds with your current thinking once in a while. Understanding counter-arguments is a good way to make sure your reasoning is sound. After all, I would never have stopped s…
    - 6 days ago 17 Nov 14, 4:30am -
  • Short Takes: Cognitive Biases, Happiness Letters, and more
    I wrote one post this week answering a reader question about why index portfolios don’t all use dividend ETFs:Why don’t couch potato portfolios use dividend ETFs? Here are some short takes and some weekend reading:A Wealth of Common Sense explain…
    - 9 days ago 14 Nov 14, 4:30am -

Canadian Mortgage Trends

  • newBroker Coalition Causes a Stir
    Upwards of 70% of mortgage agents in Canada work at one of the top 10 brokerages or broker networks. And then, there are the rest. Mostly independent, these agents faithfully serve their clients under their own flag. But it’s getting harder to mai…
    - 21 hours ago 22 Nov 14, 4:13pm -
  • CFF Doubles its Retail Network
    Canadian First Financial Group has accelerated its national expansion. The company, which partners with mortgage brokers to market banking products, has doubled its national footprint in just two months. In September, for example, the company had 11…
    - 2 days ago 21 Nov 14, 8:30pm -
  • Mortgage Career: Dreyer Group Mortgages
    Company: Dreyer Group Mortgages Position: Junior Underwriter/Admin/Client Care Position Location: South Surrey, British Columbia (Morgan Creek Office) Advertise your mortgage job opening today! Click here to post. Or browse CMT’s Mortgage Jobs Data…
    - 4 days ago 20 Nov 14, 12:01am -
  • Highlights from CAAMP’s Fall Mortgage Report
    Mortgage analysts look forward to this day each and every year — that is, the date CAAMP releases its annual mortgage market research. This year’s edition has a slew of new mortgage findings. We’ve highlighted the items that are eye-catching.…
    - 5 days ago 18 Nov 14, 8:01pm -
  • Q&A with CanWise Financial’s James Laird
    After spending six years as the Chief Operating Officer (COO) of Canada’s largest independent mortgage brokerage, James Laird set up his own mortgage company, CanWise Financial, earlier this fall. Laird’s success has in large part been due to a…
    - 6 days ago 17 Nov 14, 4:25pm -

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…
    - 86 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…
    - 95 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…
    - 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!

  • 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…
    - 18 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…
    - 20 days ago 3 Nov 14, 1:07pm -
  • It’s time to go back to school
    It was my birthday earlier this week, and have spent a lot of time reflecting on what I’ve done so far in life. When I was younger, I always thought I’d be married with kids, and have a beautiful house as well as a flourishing career by the time…
    - 37 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…
    - 44 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…
    - 45 days ago 9 Oct 14, 11:00am -

Invest It Wisely

  • 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…
    - 3 days ago 20 Nov 14, 5:31pm -
  • How to Get the Most Out of Black Friday—the Right Way
    The biggest shopping weekend of the year is creeping closer by the day. While Consumer Reports recommends signing up to receive special offers and alerts by email from your favorite retailers, that alone won’t get you everything you want this holid…
    - 9 days ago 14 Nov 14, 10:54am -
  • How To Pick a Forex Broker
    Choosing a forex broker that best suits your needs as a trader is not that difficult if you take a few tips in consideration. These tips represent a number of questions you need to answer in order to narrow down your choices before you make that deci…
    - 52 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…
    - 96 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…
    - 97 days ago 18 Aug 14, 6:00am -

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

  • What To Do If Zurich International Holds Your Money Ransom
      Recently, I received an email from a British couple. They had invested in a Zurich International Vista plan. These are extraordinarily profitable for a salesperson to flog. As such, they have spread like pandemics among global expatriates. British…
    - 6 days ago 17 Nov 14, 7:13pm -
  • Experts Say Stocks Are Going To Crash — So What Are You Going To Do About IT?
    Last week, my friend Simon emailed me in a panic. “I just read that stocks are going to crash,” he wrote. “Should I trade my stocks for bonds or cash?” He linked to a November 6, 2014 article in MoneyNews,Warning: Stocks Will Collapse By 50 P…
    - 6 days ago 17 Nov 14, 6:43pm -
  • Malaysians Building Low Cost Global Portfolios
    YOU’RE settling into a task at work. The phone suddenly rings. On the other end, is a smooth talking gentleman, offering you an investment opportunity in an offshore pension. Think twice before agreeing to a free consultation. Malaysians and expats…
    - 6 days ago 17 Nov 14, 5:55pm -
  • How You Could Benefit From A Foreign Affair
    The grass really is greener on the other side of the fence.  At least, that’s what more than 7 million Americans must think.  Many packed their bags with kids in tow. They jumped on planes, trains or automobiles and left the United States. You…
    - 12 days ago 11 Nov 14, 3:59am -
  • The World’s Best Investment Strategy That Nobody Seems To Like
      Let me show you an investment strategy that has had only four losing years since 1971.  Its ugliest drop was in 1981 when it fell just 4.1 percent.  In 2008, when stocks dropped about 37 percent, it lost less than 1 percent. This portfolio makes…
    - 16 days ago 7 Nov 14, 5:56am -

Riscario Insider

    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…
    - 7 hours ago 23 Nov 14, 6:00am -
    You won’t find the type of warnings on alcohol or tobacco applied to sugary drinks: cause of about 180,000 deaths a year globallycredit cards: 30% of customers don’t payoff their entire balance each month and 93% of the credit cards in Canada (…
    - 7 days ago 16 Nov 14, 4:27pm -
    If insurance were free (and there were no catches), how much would you get? You mighttop up your current coverage (e.g., more life insurance)protect against risks you’ve neglected (e.g., critical illness insurance)explore types you don’t know muc…
    - 15 days ago 8 Nov 14, 11:09am -
    November is Financial Literacy Month in Canada. Getting attention during the busy period between Halloween, Black Friday, Boxing Day and New Years Day isn’t easy. According to Google Trends, interest in financial literacy has been growing. That’s…
    - 22 days ago 1 Nov 14, 3:27pm -
    Life keeps breaking bad. Floods. Plane crashes. Shootings. Bombings. Diseases. Power outages. Forest fires. Computer viruses. Sometimes bad happens to strangers in a distant continent. Sometimes to people we know or places we’ve been. Good happens…
    - 29 days ago 25 Oct 14, 11:44am -

My University Money

  • 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…
    - 14 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…
    - 21 days ago 2 Nov 14, 7:06pm -
  • MMFBT 027 – The Undeserved Stigma of Being “Cheap” w/ Rob Nettleton
    Today’s guest came to my attention when I was reading the Globe and Mail one morning.  Suffice to say, when you read a headline such as, “He’s 26 with $32,000 in savings. Here’s how he did it,” you think to yourself that there might be…
    - 35 days ago 19 Oct 14, 8:52pm -
  • How to Stand Out in the Scholarship Process
    Like many other aspects of the transition from high school to university, applying for scholarships is another way it can be easy for students to become overwhelmed and easily discouraged. Unfortunately, many of us have the tendency to ignore anythin…
    - 42 days ago 12 Oct 14, 7:46pm -
  • MMFBT 026 – How To Own a Half-Million Dollar Home by the Time You’re 31 – With No Mortgage!
    Another episode of the More Money for Beer and Textbooks Podcast and another cool guest to share some unique insights. Sean Cooper is a professional freelance financial writer and blogger with 5 years’ experience in the financial industry. His area…
    - 49 days ago 5 Oct 14, 7:30pm -

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!…
    - 43 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…
    - 67 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…
    - 92 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…
    - 100 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…
    - 14 Aug 14, 6:03pm -

Thirty Six Months

  • Credit History: More is less and Less is more!
    More payments, less (spending on) credit cards and more time, less interest. Does this sound confusing? Not if you look at it against the background of improving your credit history… Building up a good credit history takes time, and if it’s been…
    - 4 days ago 19 Nov 14, 6:02pm -
  • Free Things That Will Take Your Jamaican Vacation To The Next Level
    Let’s talk about Jamaica, shall we? It is one of the most beautiful places on the planet, and has the culture to boot. I’m ashamed to say that for someone who loves warm weather,  this year was the first time that I had the pleasure of visiting…
    - 5 days ago 19 Nov 14, 12:31am -
  • How to Save Money on Food While Travelling
    I am a traveller by nature. I crave the thrill of the unknown and am planning to take a 5 month sabbatical to wander through South America to discover things that I haven’t even thought of yet. Travelling, however, is not a cheap hobby. In fact,…
    - 25 days ago 29 Oct 14, 5:37am -
  • Why Going To Conferences Is Worth The Money
    Conferences are way more than the speakers on stage, they are a lifeline to others just like you- others who are passionate about the same topics, and are quite possibly in the same stage of their career or entrepreneurship journey. Why Conferences?…
    - 27 days ago 27 Oct 14, 5:56am -
  • 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…
    - 54 days ago 30 Sep 14, 3:50am -

How To Save Money

  • $1000 Cash HUGE Christmas Giveaway!
    Last year I gave away $1000 of my own money for the first time while I was barely earning anything from this site. Back then I had a full time day job and worked on How To Save Money in the evenings - it was still hard to part with that much mone…
    - 4 days ago 19 Nov 14, 12:35pm -
  • How To Maximize My Starbucks Rewards
    Starbucks seems like the last place you’d want to go to save money and I definitely wouldn’t suggest people take up a daily latte habit if they don’t want to drink all their money away!However, the fact remains that Starbucks is an immensely p…
    - 12 days ago 11 Nov 14, 9:41am -
  • New Way To Share & $50 Giveaway: Win-Win-Win #3
    Great news - sharing articles just got a whole lot easier!You'll now notice a fancy new floating share bar on the left hand side of the site when viewing any article. It allows you to instantly share the article you are viewing via Facebook, Twitter…
    - 19 days ago 4 Nov 14, 7:07am -
  • Repair Broken Electronics To Save Money And Reduce Waste
    If it ain't broke, don't fix it. But, when it comes to electronics and all their intricate parts, they will break one way or another. Unfortunately, the age old idiom doesn't mention what to do when things do break!When my electronics stop working,…
    - 26 days ago 28 Oct 14, 6:00am -
  • 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 heavy…
    - 33 days ago 21 Oct 14, 6:00am -

My Own Advisor

  • newUsing Capital Losses to offset Capital Gains – My Case Study
    Some investors planning for retirement using exclusively registered accounts such as RRSPs and TFSAs, and/or contributing to a generous workplace pension plan (if they are lucky enough to have one) may not need to worry about managing capital gains…
    - 2 hours ago 23 Nov 14, 10:37am -
  • Weekend Reading – Hacking gift cards, cutting fees, brain foods and more
    It was a busy week on My Own Advisor! In case you missed it: This was the latest dividend income update on our journey to retirement. I shared this financial freedom story from Phil, a reader of this site who happily retired on his 39th birthday.  I…
    - 3 days ago 20 Nov 14, 7:51pm -
  • Mortgage Tips for Homeowners of All Ages
    If you’ve applied for a mortgage or renewed your mortgage you already know these processes can be stressful, time consuming, daunting and fraught with lots of questions.  No doubt questions like:  “Did I think of everything?”, “Am I getting…
    - 4 days ago 19 Nov 14, 5:05pm -
  • Smart Saving and Investing Advice: My Story
    Who am I? Just a guy that met my lady in university with a dream to live happily ever after… Here’s my story about smart saving and investing that allowed me to step away from the working world, earlier than most. Just Like You – Starting Out F…
    - 6 days ago 17 Nov 14, 4:43pm -
  • October 2014 Dividend Income Update
    Canadians have been urged to save more for retirement.  There are some good reasons for that.  On average we’re living longer and that longevity risk has the potential to derail our financial plans.  There are also other risks that need to be co…
    - 7 days ago 16 Nov 14, 6:52am -

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

  • Book Review and Giveaway: The Value of Simple
    (Plus links. Stay tuned for them at the bottom.) Friend of the blog John Robertson (author at Holy Potato, AKA one of the blogs I link to every week) wrote a small little e-book a couple of years ago, called Potato’s  I reviewed it here. It was a…
    - 2 days ago 21 Nov 14, 8:48am -
  • Introduction to Sunk Cost Fallacy — How It Affects Your Choices
    It’s Eddie, and it’s more interesting than last week. Last week I gave what was likely a boring example of a solution to sunk cost fallacy using the example of developing an oil & gas property.  This was based upon a previous post explaining the…
    - 3 days ago 20 Nov 14, 8:33am -
  • How To Invest In BlackBerry At 56% Off… Sort Of
    We’ve all concluded that BlackBerry is the best, right? Everyone hold up your Passport phones and wave them around like you just don’t care!!! You all don’t have Passport phones? What in the actual hell is wrong with you? They’re the best. Th…
    - 6 days ago 17 Nov 14, 5:00am -
  • Solutions to Sunk Cost Fallacy

    - 10 days ago 13 Nov 14, 8:19am -
  • Stocks, Accounting Scandals, and the Double Standard of It All
    Like our buddy Bill’s “problem” back in 1998, most accounting problems aren’t so bad. People huff and puff for a while, stuff looks like it’s about to get real, and then things go back to being normal again. We can look at accounting scanda…
    - 11 days ago 12 Nov 14, 5:00am -

Modest Money

  • A Review of The Intelligent Investor by Benjamin Graham
    The Intelligent Investor is the famous book written by Warren Buffet’s mentor, Benjamin Graham. This is one of the must read books for both average investors and Wall St. Brokers. In this book, Graham lays out his philosophy of investing and some k…
    - 2 days ago 21 Nov 14, 7:15am -
  • Bankruptcy and Business: What You Need to Know
    Struggling with finances is something that many businesses have dealt with throughout the company’s life, but sometimes debts pile up to the point where a company may have to file for bankruptcy. If your company is struggling with your finances and…
    - 3 days ago 20 Nov 14, 11:45am -
  • Find the Best Finance Education in Manchester
    It’s almost the end of 2014 and students everywhere are finally turning their minds away from high school and looking forward to what’s to come at college. If you’re one of those students that has settled on doing a business degree, then your n…
    - 4 days ago 19 Nov 14, 7:15am -
  • Top Reasons You Should Get a Business Appraisal
    Every business owner wants to be successful, and some make the mistake of assuming that the bottom line in their accounting software is all the proof they need to determine just how well the company is doing and how much it’s worth. But this isn’…
    - 5 days ago 18 Nov 14, 7:15am -
  • The Business of Coffee: 10 Surprising Financial Facts
    The global industry of the coffee trade is quite large. Coffee is more popular than ever, no other beverage is more revered or respected than our trusty cup of joe. Coffee is a $60 billion dollar industry, produced by third world nations and consumed…
    - 6 days ago 17 Nov 14, 7:15am -

Mo' Money Mo' Houses

  • Blog Love – House Hunting Reality Check
    Happy Friday everyone! It is full on wintertime here in Toronto. And you know what, I’m still alive. Sure, I’ve been having a few not so good flashbacks from last year’s Polar Vortex, but I don’t have the same “WTF?” reaction that I did o…
    - 2 days ago 21 Nov 14, 4:00am -
  • Blog Love – My Reasoning for Buying a House

    - 8 days ago 15 Nov 14, 8:43am -
  • How a Windfall Can Accelerate Your Future
    I’m pretty open about my finances on this blog. Within reason of course. I am a public blogger and thus never plan on disclosing my salary or specifics about my monthly budget or job. I also try to protect my HB’s anonymity as much as possible,…
    - 13 days ago 10 Nov 14, 4:00am -
  • My Spending Ban and How I Utterly Failed
    I’ve officially completed my October spending ban and the results are in! As I mentioned in my previous post about trying out my first spending ban, I wanted to see if I could cut back on my spending in October because I was starting to see a trend…
    - 18 days ago 5 Nov 14, 4:00am -
  • Wealthing Like Rabbits Book Review
    This past month I was lucky enough to snag an advance copy of Robert Brown’s personal finance book Wealthing Like Rabbits and it did not disappoint. I may have actually gotten a copy from Rob back in September, but it took me a little while to fi…
    - 20 days ago 3 Nov 14, 4:00am -

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…
    - 41 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…
    - 45 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…
    - 48 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…
    - 52 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

  • Freebie Friday: $50 Amazon Gift Card
    Truth be told, I love giving gifts. The only downside to being a thoughtful gift giver is that your budget can't always keep up with your heart. That's where this week's giveaway comes in!
    - 2 days ago 21 Nov 14, 5:00am -
  • I’m Going to Die One Day! Better Plan Now
    While I may be healthy today, there's nothing saying I won't get sick or die at a young (or younger than I'd like) age. To prepare for what may come, I decided to finally research and get the right insurance policies in place. Here's what I bought...
    - 4 days ago 19 Nov 14, 5:00am -
  • Freebie Friday: Tuft & Needle Mattress
    The idea for Tuft & Needle was born when two software engineers in California were talking about the terrible experiences they'd had buying beds in the past. The two co-founders ended up creating a mattress that could be sold at a fraction of the cos…
    - 9 days ago 14 Nov 14, 5:00am -
  • I’m Finally on the Rewards Credit Card Train
    After being credit card debt-free for a full year, I still didn't trust myself to use them responsibly. Now I can see it's not so much that I didn't trust myself; it was that responsible credit card usage had never been part of my budgeting strategy.…
    - 11 days ago 12 Nov 14, 5:00am -
  • 2014 Summed Up: My Annual Credit Check
    Since I started this blog, I've tried to make it an annual tradition to check my credit score and credit report around the end of the year. I like to review both, so I can get a clear picture of how future creditors will see me...
    - 13 days ago 10 Nov 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

  • Jet-Lagged
    You may (or may not) have noticed that I did not post my blog on Monday morning as per my usual routine. This is because I have just returned form a trip to South Africa and Botswana and I am recovering from an over 30 hour airport/travel day. The t…
    - 5 days ago 18 Nov 14, 2:37pm -
  • Cottage Trusts
    Last week Katy Basi wrote a blog post on the various estate planning challenges in passing on your cottage to your family. Today, in part 2 of her series, Katy discusses the use of cottage trusts to facilitate the transfer of your cottage. I thank Ka…
    - 13 days ago 10 Nov 14, 4:30am -
  • Inheriting the Cottage/Cabin/Chalet –The Great Estate Planning Challenge
    My life is a bit crazy currently, so I have asked my most popular guest poster, Katy Basi to step in for the next two weeks. Katy has guest posted such BBC favourites as Qualifying Spousal Trusts - What are They and Why do we Care? and a three part s…
    - 20 days ago 3 Nov 14, 4:30am -
  • Crowdfunding – What is it? Are there Income Tax Implications?
    Over the past couple years, crowdfunding has become a popular way to raise money online. As I only have a passing understanding of this concept, I have done a little research to enhance my own knowledge and for those of you not familiar with crowdfun…
    - 27 days ago 27 Oct 14, 4:30am -
  • 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…
    - 34 days ago 20 Oct 14, 4:00am -

The Investment Blog

Recommended Broker

  • How I bought $1,300 worth of Starbucks coffee in less than a minute?
    A couple of months ago I got a strange phone call. “Mr. Delev, I am calling from the Fraud Prevention Center of Master Card. Did you just order $1,300 worth of Starbucks gift cards?” “No. I am not even a…Read more →
    - 77 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 →
    - 77 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 →
    - 11 Aug 14, 7:28am -
  • TFSA withdrawal rules: Not everybody pays attention…
    A tricky rule keeps tripping up thousands of Canadians who make withdrawals from their tax-free savings accounts, and replace the money too early. TFSA withdrawal rule keeps catching unwitting Canadians Related PostsBecoming a home owner: Step 1 The…
    - 11 Aug 14, 7:19am -
  • Why aren’t more people paying off their mortgages faster?
    Taking action to pay down your mortgage faster is one of those boilerplate suggestions that financial advisers love to make to their clients. So why isn’t everyone doing that? …only 35%t of Canadians with mortgages took some kind of action…Read…
    - 8 Aug 14, 9:43am -

Rewards Cards Canada

  • How A Credit Inquiry Affects Your Credit Score
    One of the most common questions that readers want to know is how a credit inquiry affects your credit score. A juicy bonus points offer might tempt you to apply for a new credit card, but what should you do with your old one? Then there are travel…
    - 5 days ago 18 Nov 14, 11:00am -
  • Aeroplan “Rewards” More Expensive Than Cash Fare
    Aeroplan is the most popular loyalty program in Canada for a variety of reasons, including the fact that it’s tied to Air Canada – the largest airline in the country.  Many Elite and Super Elite Aeroplan collectors vouch for the program, swearin…
    - 7 days ago 16 Nov 14, 11:49am -
  • Cash Back Credit Cards, Ranked
    A cash back credit card is great for consumers who prefer to earn rewards without the hassle of trying to redeem them for travel or merchandise.  With a cash back card you’ll earn points for every dollar you spend, and can easily redeem those poin…
    - 19 days ago 4 Nov 14, 2:02pm -
  • 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…
    - 47 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…
    - 55 days ago 29 Sep 14, 8:58pm -

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…
    - 73 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 -


  • 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…
    - 17 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…
    - 17 days ago 7 Nov 14, 12:02am -
  • Sep 2014 Net Worth Update +2.13%
    The gains that you see below are entirely the result of market fluctuations and have nothing to do with any new savings or improvements in my financial situation. Next month will also show little improvement as I've had to put on hold contributions t…
    - 78 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.…
    - 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…
    - 26 Jul 14, 11:29pm -