Recently, I attended a reunion for my high school. Both my wife and I had a great time. There I saw friends I had not seen for over 25 years. Into the evening one friend approached me and shared his story. Tom was a great guy, he had attended law school, had been called [...]

Recently I was contacted by a Bottom Line reader who was a partner of a public accounting firm in Toronto. The reason for his call was he was getting prepared to perform his annual review meetings with all his clients for the 2009 tax year. He shared with me that the reason for his [...]

As a part of retirement planning annuity income can compliment other incomes you are receiving. There are two types of annuities – “life” and “term certain.” Both these types of annuities can be registered and non-registered. This article will outline the details of life annuities and suggest reasons why you may wish to consider [...]

Getting a mortgage after bankruptcy in Canada has changed since dramatically since Oct 2008. Sub prime lenders no longer exist, and no longer offer the “day after discharge” options, nor are most of them even operating at all!
To understand how to gain a mortgage after bankruptcy, you should follow a simple 6 step process which [...]

Perhaps the biggest retirement question we face is, “Will I have enough?” Most of us want to know
that we’ll have a steady base level of retirement income that won’t run out too soon. Traditional
investment vehicles such as bonds, T-bills, and term deposits are often popular choices to achieve the
retirement goals of income generation, safety and [...]