Articles

Interest rates, the cost of borrowing or the return on savings, have undergone remarkable changes throughout history, influencing economies, financial decisions, and investment landscapes. From the distant past to the modern era, these fluctuations tell a story of economic shifts, policy interventions, and global events that have shaped the world of finance. In the early …

A Shifting Landscape: The Evolution of Interest Rates Over Time Read More »

When investing your money, most people’s primary goal is to grow their investments over time. However, they become discouraged when their assets are not doing as well as they hoped. Is it the stock market? Have I invested the wrong way? Did I get in at a bad time? When it comes to investing, hindsight …

Why Your Investments Aren’t Doing as Well as You Hoped Read More »

Investing wisely is not just about maximizing returns, but also about optimizing the after-tax returns. In Canada, taxes can significantly impact your investment outcomes. Fortunately, there are several strategies that can help you reduce your tax burden and enhance your overall investment success. One of the foundational principles of tax-efficient investing is utilizing tax-deferred accounts …

Maximizing Returns and Minimizing Taxes: Tax-Efficient Investment Strategies Read More »

Most Canadians are familiar with the term GIC – Guaranteed Investment Certificate. For those that are not, a GIC is a type of fixed-income investment provided by financial institutions. Typically offered in specific terms (1 – 5 years), a GIC guarantees interest payable and the return of principle at the end of the term. Like …

The Good, The Bad, The Ugly Read More »

The long-term rise in the prices of goods and services has significant consequences for Canadian consumers. It affects the cost of living, purchasing power, and overall health of the economy. In this article, we will examine the impact of inflation on Canadian Citizens and discuss how we can mitigate its impact. The most notable effect …

The Impact of Inflation on Canadian Consumers Read More »

Artificial Intelligence (AI) has become a popular topic over recent years, even more so in the last couple months. The main reason for this surge of interest in AI was the introduction of ChatGPT in 2022. ChatGPT is an AI chat that allows users to enter prompts. The AI can then respond or perform the …

ChatGPT Read More »

As a parent, a quality education is one of the greatest gifts you can give your child. However, the rising costs of tuition and expenses can make higher education seem financially daunting. That’s where the Registered Education Savings Plan (RESP) comes in. In Canada, the RESP is a government-sponsored investment vehicle designed to help parents …

Investing in Your Child’s Future: The Benefits of RESP for Canadians Read More »

Staying invested in the market is a concept that often gets overshadowed by short-term market fluctuations and sensational headlines, but its significance cannot be overstated. Time and again, history has shown us that those who remain committed to their investments tend to reap substantial rewards in the long run. To illustrate this point, let’s consider …

The Importance of Staying Invested in the Market: A Lesson in Missed Opportunities Read More »

I thought I would share with you some great advice for parents, grandparents, and families that I got from my boys’ school to help keep kids learning this Summer without realizing they are working on schoolwork. Number Count collections of objects found in nature or on a scavenger hunt Calculate rates and speed during running, …

Take Math Outdoors This Summer Read More »

The last 18 months has provided stock market investors with a very bumpy ride. There was the large drop from January 2022 to the end of September and then a recovery from September to February 2023. The market has been up and down since then. This volatility is not new to the stock market. It …

It’s Just About The Math Read More »