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The outbreak of Coronavirus has sent many people into a panic, wondering if the end is near and their financial well-being will be wiped out. It’s important to remember not to react emotionally, as it could lead to poor choices that will affect your long-term financial future. In reality, the Coronavirus outbreak is expected to taper off in the coming…
A large chunk of Canadians have a spending problem, and that’s bad for all of us. The job market is shifting dramatically as we progress further into the digital age, and that’s bound to have repercussions moving forward. If you’re concerned about your children’s financial future, you’ll first want to prepare them for financial responsibility. Here’s some great tips on…
Choosing the right personal financial advisor isn’t easy, especially within Canada where the industry is not particularly regulated province-to-province. Financial advisors vary both in training, experience and qualifications, while others may be registered with a regular to provide investment advice. So, how do you go about choosing the right personal financial advisor? Here’s a few things to consider. #6) Is…
Many folks tend to miss a key difference between a financial advisor, and a financial “adviser,” spelt with an “e.” Others may note the visual difference, but mistakenly believe that they mean the same thing, just with different spelling. In truth, there’s a lot of separation between an advisor and an adviser, and it pays to know how, before you…
If you’re over 60, chances are you recognize the importance of the Canada Pension Plan as a source of income for your retirement years. It’s equally important to recognize when you can start taking CPP payments, as there is some confusion regarding the issue. Today we’re going to examine when you should start taking CPP payments, or whether it’s a…
Everyone wants to retire worry-free, and that means you need to have the right amount of money saved up beforehand. Building wealth in time for retirement requires some foresight, a little guesswork and a dedication towards sticking to the goal. Let’s take a look at five tips you can put into effect right now to start building your wealth in…
Reducing bad debt is easier than it sounds, but it requires a lot of sacrifice, discipline and planning. When it comes to paying down existing debt, many become trapped in self-deceptive practices that do little to mitigate the problem, and instead prolong it. Here’s five examples of bad debt reduction habits that you can identify and take steps to avoid…
One of Kismet’s key roles as your wealth advisor is to help you make decisions better, and one of the biggest decisions you will make in your life is buying a home. Buying a home is a big deal for a whole host of reasons. Yes, it means you’re finally the owner of a place that is truly your own,…
Saving money is one thing, but building your inherent wealth is quite another. It requires short-term sacrifices for the sake of longer-term gain, which can affect everything from your retirement to your mortgage, and freedom to do the things you love most. Read on to learn about the 5 best ways to build your existing wealth, and how you can…
Hope you’ve enjoyed your summer and taken some time off to rest and recharge. As the summer nears its end, we are starting to enter “back to school” season. That means it’s time to discuss education planning for your child’s schooling. RESPs, or Registered Education Savings Plans, are extremely helpful in setting aside money for your children’s post-secondary education and…