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From children’s sports activities and home renos to simply driving around, life is about to get more expensive in Ontario.
BY TINA TEHRANCHIAN
On July 1, the Ontario government will introduce the new Harmonized Sales Tax (HST). This means that certain purchases that were only subject to the 5% Goods and Services Tax (GST) before this date, will [...]
April 30th has come and gone. Tax filers across the country have gone through the annual ritual for assembling tax receipts to figure out how much we earned and how much tax we will have to pay as a result.
Tax preparation, therefore, is really the act of summarizing the historical events of the past [...]
Mutual fund fees continue to be scrutinized by the media. Many feel that the Management Expense Ratios (MERs) on mutual funds are too high especially given the fact that the last 10 years have been far from rewarding for investors.
So, are MERs really too high? Does a higher MER mean better returns or lower returns? [...]
I married a dietitian and together we often draw a lot of parallels to each others field of expertise. I find it quite fun to relate our personal health to financial health so here are some of my most memorable parallels:
1. Simple not easy – discipline, work, effort is the key. Like many people, I [...]
Financial education and literacy have become hot topics for the simple reason that many Canadians are not well equipped with the financial knowledge to make good decisions about money. In fact, this problem is not just isolated in Canada but it is an international concern.
Did you know . . .
o 55% of people are stressed [...]
In the medical industry, a pandemic is described as a widespread outbreak of an infectious disease over a wide geographical area. In the financial world, I think we have a serious pandemic that is causing people to have serious financial problems and stress. A lot of people are stressed and one of the biggest causes [...]
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Often people believe that preferred shares are relatively easy to understand and pretty straight forward. However, they are much more complicated than you may think.
Many investors are looking for a better yield that they can get right now with a GIC, and are considering purchasing preferred shares for the first time. If this [...]
If you are new to preferred shares or even if you are an experienced investor you should understand how Canadian preferred shares are rated.
There are two companies that rate preferred shares in Canada. Standard & Poors (S&P) and the Dominion Bond Rating Service (DBRS).
Preferred shares are rated on their credit quality to show the likelihood [...]
Recently I was researching the histories behind the creations of the RRSP and 401k for a presentation I was preparing for tax specialists in Southern California. It occurred to me how little decisions can make big differences in our end results and how we see and act in our worlds.
In essence, our intent and the [...]
SIX MISTAKES
RETIREES MAKE WITH THEIR FINANCES
And How to Avoid Them
For investors over age 55 who are planning to retire or have already retired and who want to avoid costly mistakes
TOPIC
A Retiree’s Biggest Mistake and How to Avoid It
Is Your Retirement Plan Protected from Market Meltdowns?
Two Ways to Potentially Get An Immediate Increase in Your [...]
Brian
I actually use Naviplan financial planning software for my clients. I also use customized spreadsheets to demonstrate certain ideas as ...
Hi Christian,
It's been two months now why not tell everybody what kind of software you use to help people? ...
Gerry
Your company does not have to make contributions to CPP anymore on your behalf under the current CPP rules.
All ...
Christian,
Do mean preferred shares? Your bank owned web site has daily comments about the market. How can ...
Doru
The service Canada reports assume that you will be working until age 65 and that you would be continuing to ...
Brian
I am all for proper financial planning and for use of insurance in a well-structured estate plan. I just ...
Inflation is only one part what about taxes?
"A good balanced portfolio of quality dividend paying equities, preferred shares ...
Brian
As I mentioned before, I am very familiar with GLWB products. I understand how they work, I am able to ...
Doru
The CPP is a contribution based system. If you stopped working you will stop contributing and it would normally affect ...
Doru
If both your spouse and you qualify for OAS you both get it individually. If you both qualify for $524 ...
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