Hi, and welcome to my site! It’s a blog about personal finance and careers, told through the lens of my search for happiness and mindfulness in life. Why those things? Well, because most people view them as a necessarily evil to use in their pursuit of happiness in life… and I think they can be more than that!

10Jan2025
Investing
January 10, 2025
If you’ve ever overheard a conversation about stock options and found yourself nodding along while secretly wondering what they really are, you’re not alone. Stock options are one of those financial topics that sound complicated but are actually pretty straightforward once you break it down. In this post, we’ll unpack the concept, explain how they work, and explore why they’re so popular—especially in the tech world.
14Nov2024
Uncategorized
November 14, 2024
When you invest, it’s not just about choosing the right stocks, bonds, or funds—it's about making sure your investments are safe, too. In Canada, the Canadian Investor Protection Fund (CIPF) is the safety net for your investments, stepping in to protect investors if their brokerage fails. But how exactly does this protection work, and what can you do to make the most of it?
18Oct2024
Taxes
October 18, 2024
For Canadian business owners, the Canada Small Business Capital Gains Exemption (CSBCGE for short - great acronym, I know) is one of the most valuable tax-saving opportunities. It allows small business owners to retain more of their hard-earned profits when they sell their businesses, which can significantly affect how much they walk away with after a sale. In this post, we'll break down how this exemption works, what qualifies, and how you can make the most of it.
13Sep2024
Careers
September 13, 2024
In a world where job security can sometimes feel like a thing of the past, Employment Insurance (EI) stands as a vital safety net for many Canadians. Whether you’re facing a temporary layoff, have experienced a job loss, or need time off for personal reasons, EI can be a lifeline. But what exactly is EI, and how does it work? Let’s break down the basics to help you navigate this crucial program with confidence.
9Aug2024
Personal Finance
August 9, 2024
Canadians looking to buy their first home now have more options when it comes to mortgages. Recent changes make it easier to take out a 30-year mortgage when buying your first home – but there are restrictions. Here’s a breakdown of the changes, and what to consider if you’re thinking about taking a 30-year mortgage to buy your first place.
19Jul2024
Budgeting, Personal Finance
July 19, 2024
Balancing saving and spending can feel like walking a tightrope. On one side, you have the allure of new gadgets, dining out, and spontaneous trips. On the other, there's the need for a secure future, a comfortable retirement, and financial peace of mind. It’s easy to swing too far in either direction, but finding that sweet spot is crucial for a happy, stress-free life. Here are five practical tips to help you balance saving and spending.
14Jun2024
Personal Finance
June 14, 2024
Unless you’ve been living under a rock for the past year, you’ve heard people talking about generative AI tools, like chatGPT. People in the business world have been speculating which industries and jobs will be most disrupted by it, with the theories ranging wildly depending on who you ask. As someone who is currently pursuing their Financial Planner designation, my mind naturally drifts to that industry. Can AI do the job better? Is there a role for humans in the future? I believe there is, and here’s why.
24May2024
Personal Finance, Taxes
May 24, 2024
If you’re a Canadian nearing retirement or already enjoying your golden years, you've probably heard a thing or two about the Canada Pension Plan (CPP). One topic that might seem a bit confusing at first is CPP pension splitting. What is it? Why do it? Today, we'll break it down in a way that’s easy to understand.
3May2024
Investing, Personal Finance, Taxes
May 3, 2024
Yeah, I know… talking tax is about as much fun as pulling teeth. But if you’re going to invest in dividend-paying companies, it’s important to understand the tax implications so that you can make the best choices around where to put your money. Today’s post talks about how dividends are taxed in Canada.
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