House in hands, mortgage, home insurance

A different kind of home insurance

If an accident or illness, a disability or even death claimed one of the unique and irreplaceable people in your life, what would you do? There are some financial consequences that you could alleviate with the right insurance coverage.

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Water skiing cottage

Financing your fun

There are things you need to pay for like your home and car and there are things you may want to pay for like a cottage or boat,

Tropical vacation

Margaritas in moderation

Travel, fun, new experiences in new places, a few days in paradise.  Is that your definition of the perfect vacation?  Whatever your vacation dream might be, there’s one

Piggy Bank

Reclaim debt control – save time and money, too

If you are carrying various forms of debt and making multiple, sometimes high-interest, payments each month debt consolidation could be the best way to manage your money, your

Value of Loonie Canadian Dollar vs. American Dollar

A loonie-powered portfolio

Over the past year, the Canadian dollar – the Loonie - is doing well relative to the U.S. dollar and many other major global currencies. But for Canadians

RDSP Retirement Disability Savings Plan

Understanding the Registered Disability Savings Plan

The Registered Disability Savings Plan (RDSP), which became available to Canadians in 2008, can be a very good way to accumulate tax-deferred savings (and obtain ‘free’ matching grants/bonds)

Tax Return Canada Revenue Agency

Be an early bird and keep more of what you earn

It’s a little late to practice early tax preparation this year – but make it your practice for next year and you will keep more of what you

House in hands, mortgage, home insurance

Mortgage vs. RRSP: What makes most sense?

It’s a question many people ask themselves as tax season approaches: Pay down the mortgage or top up the RRSP? Both are investments in the future — with mortgage

Seven ways to slash your spending this year

According to a recent Manulife Financial poll, a record number of us are focused on tackling our debts. Nearly 30 per cent of Canadians say their top priority

Are you ‘average’? Definitely not!

Here’s one dictionary definition of average:  Lacking any extraordinary, untypical, or exceptional characteristic.  Does that describe you?  Of course not – you are unique.  Yet, many Canadians will

Tax Return Canada Revenue Agency

7 tax credits people overlook

Having trouble telling your tax deductions from your credits? Personal income tax software does most of the work for tax-filers these days, but experts say that opportunities for

When it makes sense to borrow for your RRSP

Loans are a part of life for most Canadians.  We take out loans to pay for our cars and our homes, for vacations, furniture and TVs.  And, at

Planning for later retirement

Planning to live longer

An old saying remarks “what a difference a day makes”. But how about ten years or even twenty?  What kind of difference would that make to your retirement

Piggy Bank

Cycling your way to a lifetime of financial fitness

Regularly riding a stationary or road cycle is a great way to stay fit.  Taking a life cycle approach to investing is also one of the best ways

Time for a portfolio check-up

Your personal health is important to you. That’s why you have periodic check-ups, follow your doctor’s recommendations on diet and exercise, and take your medications. Your financial life

Piggy Bank

A great way to save – it’s almost TFSA time again

Unless you know you’re going to win the lottery, there’s no other way around it: To achieve your retirement and other financial goals, you will have to be

Filling the caregiving gap

They cared for you and soon you may be asked to care for them. As the Boomer generation ages, many Canadians are facing the challenges of elder care

Fixed income fixation

Conservative investors typically gravitate toward ‘safe’ investments, usually fixed-income investments. But with interest rates still hovering at historic lows, conservative investors may be concerned about whether their fixed-income

Know your credit rating – it’s important

You apply for a credit card and are turned down – not because your credit is bad but because your credit report inaccurately says it is. It can

Financial planning pays off

Value – according to a pair of long-term, in depth studies by two of the country’s leading professional standards and investment organizations, that’s exactly what Canadians get when

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