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One of the most discouraging things about the current world is how hard it is to find a reliable expert. Knowing who you can trust has gotten harder even though we live in a world with more information. We are here to help. Here you can find the works of our favourite writers, a few of our thoughts and gain quick access to quality recommendations.
Featured image for “What COVID benefits are currently available?”
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.…
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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…
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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…
Featured image for “Why is saving so hard?”
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…
Featured image for “What are CPP and OAS?”
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…
Featured image for “What is the Home Buyer’s Plan?”
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…
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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…
Featured image for “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?”
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,…
Featured image for “Should I tap into my RRSP for opportunities now, for example to start a new business?”
October 14, 2021

Should I tap into my RRSP for opportunities now, for example to start a new business?

Short answer: no. Withdrawals from your RRSP are immediately subject to withholding tax and then the amount you withdrew is added to your income on your…
Featured image for “What should I look for in an advisor?”
October 14, 2021

What should I look for in an advisor?

Someone you can develop a trusted friendship with. Your advisor will be of little use to you if you don’t trust and respect them to help…
Featured image for “How do I stick to a budget?”
September 28, 2021

How do I stick to a budget?

A method that works for you matters more than which method you use. That’s why we encourage you not to get caught up in the details…
Featured image for “How do we prevent our biases from impacting our money decisions?”
September 28, 2021

How do we prevent our biases from impacting our money decisions?

Our biases have the unparalleled ability to stop us from getting the most out of our finances. After all, it is very easy for us to…

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