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Every human has their time, and with that realization comes an attached reality – you need to plan out your will. Many Canadians are simply unprepared for this eventual, irreversible scenario. An Angus Reid Institute poll from 2018 showed that 51% of Canadians haven’t bothered to create a will, while 35% haven’t maintained or updated their existing one. This should…
The big question on many people’s minds going into 2021 will be whether to focus investing in an RRSP, or a TFSA account. Recent events have made the waters even murkier, with unforeseeable financial paths emerging as the world economy starts back up again. And start up, they have. While strategic lockdowns with specific criteria are popping up, most of…
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. It’s important to understand what a Financial Advisor actually does, before going about choosing one. Typically, Advisors help people manage…
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…
COVID-19 continues to represent a worldwide threat, despite the number of cases and deaths beginning to drop. With an economic restart now in full swing in many parts of the world, the question on everyone’s mind will undoubtedly be whether the virus makes a resurgence going into the fall. Needless to say, Coronavirus is still on everyone’s mind, and that…
With COVID-19 lockdowns coming to an end in America, the rest of the world is soon to follow, and that includes Canada. Ontario will remain in lockdown longer than other provinces, but all indicators point to a re-opening of business and a restart of the economy, with some social distancing practices still in effect. This is good news, especially at…
The Coronavirus pandemic has wreaked havoc on global markets in a way that no other phenomenon has in human history. From the very beginning, stocks crashed and soared on nearly a daily basis as the market tried to find its bottom. As the pandemic took root in North America, a mixture of government-mandated lockdowns and the closing of non-essential businesses…
At some point in the near future, the Coronavirus pandemic will officially be declared over. We are already seeing massive drops in the number of new worldwide cases and deaths. While the threat of a possible second wave remains imminent, the arrival of a vaccine before the end of the year should be enough to prepare us for a brighter,…
Citizens living in the United States have been able to take advantage of a tax benefit which allows them to deduct mortgage interest on their home when they file their taxes. Unfortunately, this deduction is not available in Canada, unless you implement what economists refer to as the “Smith Manoeuvre.” This legal method allows Canadians to take advantage of roughly…
Due to the outbreak of Covid-19 around the globe, the government of Canada took initial steps to guard against a severe economic fallout by crafting a federal aid package designed to help Canadians who would be affected by strict mandated lockdowns. This effectively sidelined most Canadians from their jobs, forcing them to stay at home in an effort to flatten…