21Apr2023
Personal Finance
April 21, 2023
With the First Home Savings Account (FHSA) newly launched in Canada, the dream of homeownership has once against started to feel within reach for many. When the time comes to actually pull the trigger to purchase your first home though, you’ll want to avoid letting excitement cloud your judgment. Here are 9 of the most common mistakes first-time homebuyers make, no matter where you live.
10Mar2023
Investing
March 10, 2023
The financial markets are all over the map these days. One week they’re soaring upward because something dropped in the news about inflation numbers, and the next they’re crashing through the floor because, well, inflation numbers. Amid all of this, it can be tempting to try and time the market – that is, to buy when you think the market is low, and sell when you think it’s high. That’s super-risky. Here’s what you should do instead.
24Feb2023
Personal Finance
February 24, 2023
If you work in a Canadian workplace that offers a pension plan, then come tax time when you receive your tax slips, you probably see a number greater than zero beside a field called “pension adjustment.” So what is this field, and why does it matter?
27Jan2023
Personal Finance
January 27, 2023
Gen Z has had it rough when it comes to the dream of homeownership. Between the run-up in prices over the past few years, alongside the rapid rise in interest rates, most young Canadians are feeling pretty hopeless about homeownership right now… especially Gen Z. But is homeownership completely out of the question for them? I think there’s hope. Here’s why you should never say never.
13Jan2023
Budgeting
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January 13, 2023
It’s no secret that vacationing in Hawaii can be expensive. It’s a remote set of islands, after all, and it’s not cheap to transport goods all the way to the middle of the pacific. My wife and I found out just how expensive it can be when arrived in Oahu, one of the most popular islands for tourism in Hawaii. We had done our research on how to keep costs low, but there were definitely some things that caught us by surprise. If you’re looking to visit Oahu for your next trip, here are 10 tips that will help keep you under-budget.
16Dec2022
Personal Finance
December 16, 2022
It can be gut-wrenching to be an investor in the time frame before and during a recession. The markets can seem to go completely haywire, leading many to swear off of investing completely, at least for a while. But don’t be so quick to hit the eject button and pull the ripcord on your parachute! If you do, you could be doing yourself a massive disservice. Here’s why.
2Dec2022
Investing, Personal Finance
December 2, 2022
Once upon a time, Financial Advisors played a very specific role for their clients. Their job was to understand your financial situation, explore investment options, and then make a recommendation back to you as to how best to invest your money to meet your goals. That role is changing, though. Let’s take a look at the forces at play, shall we?
7Oct2022
Investing, Personal Finance
October 7, 2022
I was looking at some research from the Co-Operators recently that highlighted something that has always been rampant among Canadian culture: we place a lot of pressure on ourselves to appear financially savvy. And I have a feeling that’s not just a Canadian thing, either. Everyone knows that personal finance is important, but we do such a bad job as a society of making access to knowledge on the topic available that it feels like our only choice is to pretend like we know what we’re talking about.
30Sep2022
Personal Finance
September 30, 2022
Today is National Day for Truth and Reconciliation here in Canada. It’s important that we all take the opportunity to research and learn more about all the work we have left to do in order to undo the generations of damage caused by the residential school system. As someone who writes about personal finance, one lens I’ve not explored yet is how to close the gap in financial literacy between indigenous and non-indigenous communities.
16Sep2022
Investing
September 16, 2022
Dollar-cost averaging is a term that was made popular by David Chilton in his most famous book, The Wealthy Barber (which by the way, I recommend to anyone who asks me what they should read for their first personal finance book). It can be tricky to grasp at first, but the benefits are clear once you wrap your head around it. So what is dollar-cost averaging, and why should you do it?
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