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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…
And just like that, we’re into September. Kids are going back to school, the weather is starting to shift, and as much as you may miss the summer, right now is the perfect time to analyze your wealth and mitigate risk. One of the first questions I like to ask clients about their wealth is “what are you doing to…
Happy Belated Canada Day! I hope you’re finding some time to take off this summer, or at least getting a chance to enjoy the sun we’ve all been waiting for. This month’s topic is a little less fun to talk about, but is one of the most important things you can do when managing your wealth. I am, of course,…
I hope your June is going well. It’s been a long time coming, but we’re finally starting to get the summer weather we’ve been waiting for. Last month, we spent some time discussing some of the more “mainstream” asset classes. I refer to them as mainstream because stocks or bonds are accessible to almost everyone. Now, I’d like to go…
I hope this letter finds you in good health (physically and financially). Today I want to talk about public investments and how they can help you meet your goals. Your job isn’t to become an expert in investments (that’s why you hired me), but it helps to know the basic options you have in the public markets. Public investments are…
I’m often asked what makes Kismet different from other wealth managers. The fact is, most wealth management firms are only concerned with increasing their assets under management (AUM). They earn a percentage based on the funds they manage, and all the other services are just part of a long sales pitch to get you to trust them with your investments.…
Tax season is just around the corner, and as you gear up to write that cheque to the government, you’re probably realizing how much tax you owe on your investments. As your portfolio grows, you are going to find you have more than enough money to fill up both your TFSA and RRSP. At this point, you’ll need to start…