January 27, 2023
#1 Stuff you already know about investing: spread out
What is diversification? Nick Murray once explained it this way: if you invest only in sunscreen, you may go bankrupt if there is a long period…
October 24, 2022
Why invest?
The world is full of investing advice. What you should invest in. When you should invest in it. Who should manage your investments. Even where in the world your money should be invested. It…
August 8, 2022
How can I spot cyber scams before it is too late?
Scam artists are getting smarter, and technology is making it easier and easier for them to reach you. It started with phone calls. But now, you…
June 20, 2022
Thoughts on crypto
For those interested in Crypto, I’ve done about 35 hours of research so far. I understand the draw of a decentralized currency that isn’t influenced by…
January 17, 2022
What COVID benefits are currently available?
To help you sort out the multitude of government programs that started and ended in the last couple of years, we have outlined them here.…
October 14, 2021
What is rebalancing?
In essence, it’s trying to bring your investments back to the original plan. The process of rebalancing involves moving money from funds that are over-weighted to…
October 14, 2021
What do I need to know about bitcoin?
What is it? Bitcoin is a cryptocurrency that runs on a technology called blockchain. The idea behind this technology is to create a currency that is…
October 14, 2021
Why is saving so hard?
Saving is not a rewarding activity. When you spend your money, there is instant (or slightly delayed) gratification. And in exchange, you have a physical product…
October 14, 2021
What are CPP and OAS?
CPP or Canada Pension Plan is a monthly retirement benefit. It is meant to replace part of your income when you retire and continues for the…
October 14, 2021
What is the Home Buyer’s Plan?
CRA offers a program to homebuyers that allows you to withdraw money from your RRSP penalty-free to buy your first home. You can withdraw up to…
October 14, 2021
How can I improve my credit score?
Borrowing institutions look at five things when considering to lend you money: character, capacity, credit, collateral, and capital. Character: Lenders want to borrow to honest and reliable…
October 14, 2021
I own shares in the company I work for through an ESPP. How much is a reasonable amount to invest to remain diversified? What should I do with my shares?
It seems like a good idea to bet on the company you work for. You have faith in the company and expect it to do well,…
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