A Twist On The RRSP vs. Mortgage Debate

It’s an age-old financial dilemma. Should you use your extra savings to pay down the mortgage or contribute to your RRSP? A simple answer is to compare the expected return from your investments to the interest rate on your mortgage. In today’s low rate environment,...

The 50-20-30 Approach To Budgeting

Someone who is just starting out in life, or a beginning budgeter, may wonder how they should be allocating their money. Here is a general rule of thumb to consider when budgeting. Where should my money be going? Begin by recording your net income and your expenses,...

Why My Thinking Changed Around Dividend Investing

It’s been almost two years since I made the switch from dividend investing to a passive, two-fund ETF solution. I sold a portfolio of 24 Canadian dividend-paying stocks and REITs and bought Vanguard ETFs VCN (Canadian stocks) and VXC (U.S. and International stocks). I...

Weekend Reading: Back To School Edition

Back-to-school season is doubly busy for me as our kids enter grade two and pre-school respectively while at my University day job we’re getting ready to welcome back thousands of students to campus this weekend. We all know the cost of post-secondary education...

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