Many of you have signed up to receive our new articles by email, but did you know we also have an exclusive email newsletter (not published on the web)? This newsletter is sent out twice per month and features a 10-part series on how to improve your finances.
Every once in a while we get the opportunity to send out special, limited time offers to our email subscribers. We’ll only send out a deal if we think it offers real value to our readers, something we’d take advantage of ourselves.
One of those opportunities came along earlier this month.
Special offer for Boomer & Echo readers
The Globe and Mail put up a paywall on its website last October, offering readers up to 10 free articles per month before requiring a paid monthly subscription of $19.99 for unlimited access.
Boomer & Echo readers have been offered an all-access digital pass to the Globe and Mail for just 99 cents per month for 3 months.
I signed up earlier this month and have enjoyed having unlimited access to GlobeandMail.com content, including exclusive subscriber-only features like Streetwise and ROB Insight.
I highly recommend checking out Globe Unlimited. A three month trial at just 99 cents per month gives you plenty of time to decide if it’s worthwhile.
Here are my top 12 personal finance reads from around the web this month:
1. The hidden side of credit card rewards
July 24, 2013 · The Globe and Mail · At least for a while, we get to keep using our cards to earn points without any new surcharges applied at the cash register. But we’ve also been taught a lesson that there are no freebies in personal finance. Open this article
2. Why personal finance will never be cool in school
July 23, 2013 · My University Money · No one is a bigger proponent of trying to get more financial literacy taught in schools than yours truly, but I’m losing hope that an actual course that is focused exclusively on financial literacy will ever be offered in most Canadian schools. Open this article
3. You’re not as old as you think so stop that retirement talk
July 24, 2013 · Financial Post · Canadians seem to have gotten the message. A Sun Life Financial Canada poll in 2012 among those 30 to 65, found just 27% expect to be fully retired at 66. The percentage was down from 51% in 2008. Open this article
4. Downsizing isn’t just for retirees, empty-nesters
July 22, 2013 · Yahoo! Finance Canada · Sophie and Scott McDonald’s story about downsizing may at first glance sound familiar: the married couple were looking for some relief from the financial vise that accompanies living in Metro Vancouver, so they moved to a smaller townhouse. Open this article
5. How to outlive your retirement funds: The 4 per cent rule
July 21, 2013 · thestar.com · How much cash can retirees withdraw from investments each year and outlive their income? One rule of thumb is 4 per cent. Open this article
6. Canada’s invisible housing correction
July 17, 2013 · BrighterLife.ca · Fears that Canada’s residential real estate market is headed for a downturn appear to have subsided following a positive June sales report from the Canadian Real Estate Association (CREA). Open this article
7. The best discount brokerage for small index investors, and how much it’s going to cost you
July 16, 2013 · blog.springpersonalfinance.com · The point: If you’re starting out as an index investor, and are going to be regularly contributing in a self-directed brokerage account, the best discount brokerage for you is TD Direct Investing, but not for any of the reasons most reviewers list. Open this article
8. How to transition from group to self-directed RESPs
July 25, 2013 · www.advisor.ca · When the kids were born, a sales rep convinced them to enroll in a group RESP. For five years, they met the rigid monthly contribution schedule. But when the meltdown hit, William’s business suffered and they were unable to make contributions. Open this article
9. Enjoying your money is important too
July 16, 2013 · Retire Happy · Many people carry a certain amount of guilt when it comes to enjoying your money. Tales of “frivolous” spending on “things of no substance” such as vacations, shoes and amazing technical gadgets tend to also include some fervent justification on the part of the buyer. Open this article
10. A Breakdown of Our Monthly Expenses 2013
July 15, 2013 · Million Dollar Journey · Back in 2008, I wrote a post about our monthly expenses. Since a lot has happened over the past 5 years or so, I thought it would be a good idea to provide an update. Open this article
11. Buying Municipal Bonds: Do You Understand the Risk?
July 10, 2013 · Free From Broke · One of the more popular investment strategies during tough economic times is to turn to bonds. Bonds are considered relatively safe, when you invest in entities that are highly rated and stable. A type of bond that has seen an increase in popularity recently is the municipal bond. Open this article
12. Will Verizon Impact the Canadian Telecoms?
July 9, 2013 · The Passive Income Earner · If you own any of the top 3 wireless Canadian carriers, you are already aware that the rumours around Verizon entering Canadian soil had an impact on your stock. The big question is: “Can it have a long term impact?” Open this article
Have a great weekend, everyone!