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The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on THE BEST SECURED CREDIT CARDS IN CANADA 2021 What is a secured credit card? But let’s start from the beginning – what exactly is a secured card? They’re cards that require you to make a down payment that matches the credit limit you want.So if you want to have $1,000 worth of spending power on your secured credit card, you’ll have to put down a $1,000 security deposit. 10 BEST DIVIDEND STOCKS IN CANADA 2021 SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES A segregated fund is a type of private investment sold in Canada by life insurance companies (like BMO, RBC, Sunlife or Manulife) thatcome
ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ETHEREUM REVIEW: IS IT BETTER THAN BITCOIN? Ethereum continues to be one of the most popular altcoins in the world and a favourite amongst day traders and long-term holders alike. As mentioned above, the main purpose of Ethereum is to help people develop decentralized apps with custom smart contracts. SCOTIABANK ETFS REVIEW: SOME SIMPLE ETFS FROM ONE OF Scotiabank offers a small collection of Exchange Traded Funds (ETFs) – bundles of securities that are listed on exchanges, which are traded just like regular stocks. Scotiabank has 8 ETFs available, and you can use them to diversify your investment portfolio.. ETFs are similar to mutual funds, in many ways, but their fee structures are different, with ETFs having lower expense ratios, by and THE CHEAPEST WAY TO GET YOUR COFFEE FIX: A COMPARISON OF How much are you spending on coffee everyday? A lot of Canadians depend on their caffeine intake, but since it only costs a little bit at a time, it can be hard to think of in terms of its financial impact. Find out what the most cost-effective (and best tasting) methods are between coffee beans, k cups, and morePlus some tips on making french press coffee. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on THE BEST SECURED CREDIT CARDS IN CANADA 2021 What is a secured credit card? But let’s start from the beginning – what exactly is a secured card? They’re cards that require you to make a down payment that matches the credit limit you want.So if you want to have $1,000 worth of spending power on your secured credit card, you’ll have to put down a $1,000 security deposit. 10 BEST DIVIDEND STOCKS IN CANADA 2021 SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES A segregated fund is a type of private investment sold in Canada by life insurance companies (like BMO, RBC, Sunlife or Manulife) thatcome
ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ETHEREUM REVIEW: IS IT BETTER THAN BITCOIN? Ethereum continues to be one of the most popular altcoins in the world and a favourite amongst day traders and long-term holders alike. As mentioned above, the main purpose of Ethereum is to help people develop decentralized apps with custom smart contracts. SCOTIABANK ETFS REVIEW: SOME SIMPLE ETFS FROM ONE OF Scotiabank offers a small collection of Exchange Traded Funds (ETFs) – bundles of securities that are listed on exchanges, which are traded just like regular stocks. Scotiabank has 8 ETFs available, and you can use them to diversify your investment portfolio.. ETFs are similar to mutual funds, in many ways, but their fee structures are different, with ETFs having lower expense ratios, by and THE CHEAPEST WAY TO GET YOUR COFFEE FIX: A COMPARISON OF How much are you spending on coffee everyday? A lot of Canadians depend on their caffeine intake, but since it only costs a little bit at a time, it can be hard to think of in terms of its financial impact. Find out what the most cost-effective (and best tasting) methods are between coffee beans, k cups, and morePlus some tips on making french press coffee. 10 BEST DIVIDEND STOCKS IN CANADA 2021 Please note: Due to the volatile nature of the stock market, the numbers above are likely to change from day-to-day.These are accurate as of March 5, 2021, but please check your investment tools for the most up-to-date information.. Want an easy way to buy and sell dividend stocks? Check out our reviews of Canada’s top onlinebrokers:
THE BEST SECURED CREDIT CARDS IN CANADA 2021 What is a secured credit card? But let’s start from the beginning – what exactly is a secured card? They’re cards that require you to make a down payment that matches the credit limit you want.So if you want to have $1,000 worth of spending power on your secured credit card, you’ll have to put down a $1,000 security deposit.COSTCO OFFER
Costco has a terrific grocery offer right now. Spend $350 online on groceries at Costco Canada, and get a $75 voucher. Here's how itworks.
A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA OAS payments are different from your pension and CPP. This is your guide to Old Age Security payments, including payment dates andamounts, how to
CDIC COVERAGE: WHAT EVERY CANADIAN SHOULD KNOW The CDIC is a Canadian government institution designed to protect Canadians who deposit money into Canadian banks. If your bank is a CDIC member, you automatically have coverage up to $100,000 on your eligible deposits. But since this limit is on a per-account basis, is it better to spread out your money to maximize your coverage? SCOTIABANK SAVINGS ACCELERATOR ACCOUNT REVIEW: A SAVINGS The Scotiabank Savings Accelerator Account makes an easy addition to your Scotiabank investment plans. Registered plans available. Unlike other Scotiabank savings accounts, you can choose to include the Scotiabank Savings Accelerator Account as part of a registered investment plan, such as a TFSA, RRSP, or RESP.You can then add more lucrative investments (like mutual funds or GICs) to your DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 BEWARE THE HIDDEN COSTS WHEN BUYING AND SELLING YOUR HOUSE As Canadians, we have been told from a young age that owning a home is the best financial move you can make. And while it may be the best move for some, others may be better off renting.. If you are considering buying a house or moving into a larger place, you’ll want to consider all of the costs involved – and there are a lot ofthem.
TIM HORTONS REWARDS: EVERYTHING YOU NEED TO KNOW ABOUT Tim Hortons Rewards have faced a lot of ups and downs since its launch in March 2019, but there are still plenty of Canadians trying to make the most of the coffee rewards program. So here's everything you need to know: from how to earn and redeem Tims Rewards, to how much a pointis worth.
ALTERNA HIGH INTEREST ESAVINGS ACCOUNT REVIEW: A SOLID If you’re looking for a good place to stash an emergency fund where it will earn a bit of interest while still being easily accessible, the Alterna High Interest eSavings Account might be just the ticket.. With a 1.2% interest rate and free, unlimited Interac e-Transfers, bill payments, debits, and other transactions, this high interest savings account has a lot going for it. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID IT The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID IT The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
15 BEST ONLINE SURVEY SITES AND APPS THAT PAY YOU REAL Caddle. Though more of an app than a site, Caddle does pay users for completing online surveys. You can also earn money by watching advertisement videos and uploading photos of your receipt in order to complete Caddle offers. Once you’ve reached $20 THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 PE Ratio: 14.4. Dividend Yield: 4.69%. BNS is the ticker for the Bank of Nova Scotia stock on the Toronto Stock Exchange. One of the Big 5 banks in Canada, the Bank of Nova Scotia – or, as it’s better known, Scotiabank – provides banking services to Canadians, as wellas internationally.
SALES TAX CANADA: THE DIFFERENCE BETWEEN GST, PST, AND HST Sales tax is a tax placed on nearly all purchases of goods and services. In Canada, the whole country is subject to 5% GST (Goods and Services Tax). Some provinces impose their own individual taxes as well, usually called PST (Provincial Sales Tax). Other provinces combine the 2 to create one higher rate that covers federal andprovincial
WHAT’S THE BEST BUSINESS BANK ACCOUNT IN CANADA? If you have a small business, one of the main things you’ll need to get under your belt is a good business bank account for managing your finances.. Get the best small business credit card in Canada – the American Express Business Edge Card.. All 5 big banks in Canada offer multiple business accounts, and there are a couple options offered by the smaller online banks. COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVESWHAT ARE SEGREGATED FUNDS?SEGREGATED FUNDS ARE AN INVESTMENT FUND SOLD BY INVESTMENT COMPANIES. THEY OFFER EXTRA INSURANCE BENEFITS, LIKE MATURITY AND DEATH BENEFITS, BUT AL...ARE SEGREGATED FUNDS DIFFERENT FROM MUTUAL FUNDS?YES, SEG FUNDS ARE SOLD SPECIFICALLY BY INSURANCE COMPANIES AND HAVE FIXED TERMS AND HIGHER FEES THAN MUTUAL FUNDS. THEY ALSO OFFER UNIQUE BENEFITS...WHAT ARE THE PROS AND CONS OF SEGREGATED FUNDS?THE PROS OF SEGREGATED FUNDS ARE THAT THEY OFTEN HAVE PRINCIPAL INVESTMENT GUARANTEES UP TO 100%, HAVE THE OPTION TO LOCK YOUR GAINS, OFFER CREDITO...HOW DO I INVEST IN A SEGREGATED FUND?YOU CAN INVEST IN A SEGREGATED FUND BY BUYING IT DIRECTLY FROM AN INSURANCE FIRM. YOU CAN ALSO GET HELP FROM YOUR FINANCIAL ADVISOR. LEARN MORE HERE.WHAT ARE THE SEGREGATED FUND ALTERNATIVES?TWO MAJOR ALTERNATIVES OF SEGREGATED FUNDS ARE MUTUAL FUNDS AND ETFS. LEARN MORE HERE. Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. SALES TAX CANADA: THE DIFFERENCE BETWEEN GST, PST, AND HSTAUTHOR:MELANIE PITMAN
Sales tax is a tax placed on nearly all purchases of goods and services. In Canada, the whole country is subject to 5% GST (Goods and Services Tax). Some provinces impose their own individual taxes as well, usually called PST (Provincial Sales Tax). Other provinces combine the 2 to create one higher rate that covers federal andprovincial
THE BEST COSTCO CREDIT CARDS IN CANADA 2021 3,000 Air Miles, first year free ( terms apply) Best cash back Costco credit card. Brim World Elite Mastercard. Up to $500 in first-time bonuses after your first purchases with select partners, first year free ( terms apply) Best airline miles Costco credit card. Alaska Airlines Platinum Plus Mastercard. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA Here are a few tips to help. 1. Defer your OAS payments. This is one of the easiest ways. Since you have to be making at least $77,580 in 2019 in order to even be worrying about OAS clawbacks, you may not even need your OAS payments in the first place. If WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. THE 7 BEST TRAVEL INSURANCE CREDIT CARDS FOR PEOPLE OVER Travel insurance can be really expensive, so taking advantage of a credit card with great travel insurance can be a lifesaver. But once you hit the age of 65, cards tend to be a lot more restrictive. We'll look at the top 7 best Canadian credit cards with travel insurance forseniors over 65.
5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVESWHAT ARE SEGREGATED FUNDS?SEGREGATED FUNDS ARE AN INVESTMENT FUND SOLD BY INVESTMENT COMPANIES. THEY OFFER EXTRA INSURANCE BENEFITS, LIKE MATURITY AND DEATH BENEFITS, BUT AL...ARE SEGREGATED FUNDS DIFFERENT FROM MUTUAL FUNDS?YES, SEG FUNDS ARE SOLD SPECIFICALLY BY INSURANCE COMPANIES AND HAVE FIXED TERMS AND HIGHER FEES THAN MUTUAL FUNDS. THEY ALSO OFFER UNIQUE BENEFITS...WHAT ARE THE PROS AND CONS OF SEGREGATED FUNDS?THE PROS OF SEGREGATED FUNDS ARE THAT THEY OFTEN HAVE PRINCIPAL INVESTMENT GUARANTEES UP TO 100%, HAVE THE OPTION TO LOCK YOUR GAINS, OFFER CREDITO...HOW DO I INVEST IN A SEGREGATED FUND?YOU CAN INVEST IN A SEGREGATED FUND BY BUYING IT DIRECTLY FROM AN INSURANCE FIRM. YOU CAN ALSO GET HELP FROM YOUR FINANCIAL ADVISOR. LEARN MORE HERE.WHAT ARE THE SEGREGATED FUND ALTERNATIVES?TWO MAJOR ALTERNATIVES OF SEGREGATED FUNDS ARE MUTUAL FUNDS AND ETFS. LEARN MORE HERE. Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. SALES TAX CANADA: THE DIFFERENCE BETWEEN GST, PST, AND HSTAUTHOR:MELANIE PITMAN
Sales tax is a tax placed on nearly all purchases of goods and services. In Canada, the whole country is subject to 5% GST (Goods and Services Tax). Some provinces impose their own individual taxes as well, usually called PST (Provincial Sales Tax). Other provinces combine the 2 to create one higher rate that covers federal andprovincial
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5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. THE BEST COSTCO CREDIT CARDS IN CANADA 2021 3,000 Air Miles, first year free ( terms apply) Best cash back Costco credit card. Brim World Elite Mastercard. Up to $500 in first-time bonuses after your first purchases with select partners, first year free ( terms apply) Best airline miles Costco credit card. Alaska Airlines Platinum Plus Mastercard. COMPARING THE 5 BEST PREMIUM BANK You’ll get: 4% cash back on recurring bills and grocery purchases, 2% on gas and daily transit, and; 1% on everything else. That 4% is actually the highest permanent bonus rate of any cash back card, so if you love free money – this is a great way to get it.. You’ll also get comprehensive coverage with 11 types of insurance, plus Visa Infinite perks like VIP access to concerts and events. A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA Here are a few tips to help. 1. Defer your OAS payments. This is one of the easiest ways. Since you have to be making at least $77,580 in 2019 in order to even be worrying about OAS clawbacks, you may not even need your OAS payments in the first place. If GST PAYMENT DATES 2021: A GUIDE TO YOUR TAX CREDIT GST payment dates come around every 3 months in Canada, but what are they? The GST/HST tax credit is designed to help low-income Canadian families get some financial relief. Here we discuss the GST tax credit maximum income thresholds, how much you can expect to get with the taxcredit, and more.
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5 BEST WAYS TO REDEEM YOUR AIR MILES 4) Redeem Air Miles for attractions ( 13.4 CPM) Attractions are also typically going to give you a higher value for your miles than Air Miles Cash – averaging about 13.4 CPM. Their value did fluctuate a bit though, coming in at a low of 10.1 cents all the way up to 19.2CPM.
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THE Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 PE Ratio: 14.4. Dividend Yield: 4.69%. BNS is the ticker for the Bank of Nova Scotia stock on the Toronto Stock Exchange. One of the Big 5 banks in Canada, the Bank of Nova Scotia – or, as it’s better known, Scotiabank – provides banking services to Canadians, as wellas internationally.
TD MUTUAL FUNDS REVIEW Like most big banks in Canada, TD offers a number of different investment products for its clients, including TD mutual funds.You can invest in TD's mutual funds through their DIY investment platform, TD Direct Investing, or through your TD Wealth financial advisor.With 142 different funds available, you'll be able to tune your investment portfolio to meet your own precise needs. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
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The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADAHOW DOES SCHOLARSHIP MONEY WORKHOW TO GET SCHOLARSHIP MONEYHOW TO GIVE SCHOLARSHIP MONEYHOW TO RECEIVE SCHOLARSHIP MONEYPHD SCHOLARSHIPS IN CANADA 2021 HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 PE Ratio: 14.4. Dividend Yield: 4.69%. BNS is the ticker for the Bank of Nova Scotia stock on the Toronto Stock Exchange. One of the Big 5 banks in Canada, the Bank of Nova Scotia – or, as it’s better known, Scotiabank – provides banking services to Canadians, as wellas internationally.
TD MUTUAL FUNDS REVIEW Like most big banks in Canada, TD offers a number of different investment products for its clients, including TD mutual funds.You can invest in TD's mutual funds through their DIY investment platform, TD Direct Investing, or through your TD Wealth financial advisor.With 142 different funds available, you'll be able to tune your investment portfolio to meet your own precise needs. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
VANGUARD CANADA ETFS REVIEW Vanguard Canada ETFs offer a simple way for Canadians to build a diversified portfolio, but have a few drawbacks to keep in mind. Also, if you're a socially conscious investor, you're not going to find any investment options for you here. A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA Here are a few tips to help. 1. Defer your OAS payments. This is one of the easiest ways. Since you have to be making at least $77,580 in 2019 in order to even be worrying about OAS clawbacks, you may not even need your OAS payments in the first place. If WHICH AEROPLAN CREDIT CARD IS BEST FOR 2021? Best Aeroplan credit card in Canada. American Express Gold Rewards Card. 25,000 Aeroplan points ( terms apply) Best Aeroplan credit card with Air Canada perks. TD® Aeroplan® Visa Infinite* Card. Up to 20,000 Aeroplan points and a bonus Buddy Pass ( terms apply) The Aeroplan credit card with the most perks. CDIC COVERAGE: WHAT EVERY CANADIAN SHOULD KNOW The Canada Deposit Insurance Corporation (CDIC) is a government corporation created to protect your eligible deposits in Canadian banks and savings institutions. If a member bank defaults, your deposits will be insured up to $100,000 per bank and per account type. This insurance is automatic and requires no opt-ins or sign-ups. DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADAHOW DOES SCHOLARSHIP MONEY WORKHOW TO GET SCHOLARSHIP MONEYHOW TO GIVE SCHOLARSHIP MONEYHOW TO RECEIVE SCHOLARSHIP MONEYPHD SCHOLARSHIPS IN CANADA 2021 HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADAHOW DOES SCHOLARSHIP MONEY WORKHOW TO GET SCHOLARSHIP MONEYHOW TO GIVE SCHOLARSHIP MONEYHOW TO RECEIVE SCHOLARSHIP MONEYPHD SCHOLARSHIPS IN CANADA 2021 HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 PE Ratio: 14.4. Dividend Yield: 4.69%. BNS is the ticker for the Bank of Nova Scotia stock on the Toronto Stock Exchange. One of the Big 5 banks in Canada, the Bank of Nova Scotia – or, as it’s better known, Scotiabank – provides banking services to Canadians, as wellas internationally.
TD MUTUAL FUNDS REVIEW Like most big banks in Canada, TD offers a number of different investment products for its clients, including TD mutual funds.You can invest in TD's mutual funds through their DIY investment platform, TD Direct Investing, or through your TD Wealth financial advisor.With 142 different funds available, you'll be able to tune your investment portfolio to meet your own precise needs. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
VANGUARD CANADA ETFS REVIEW Vanguard Canada ETFs offer a simple way for Canadians to build a diversified portfolio, but have a few drawbacks to keep in mind. Also, if you're a socially conscious investor, you're not going to find any investment options for you here. A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA Here are a few tips to help. 1. Defer your OAS payments. This is one of the easiest ways. Since you have to be making at least $77,580 in 2019 in order to even be worrying about OAS clawbacks, you may not even need your OAS payments in the first place. If WHICH AEROPLAN CREDIT CARD IS BEST FOR 2021? Best Aeroplan credit card in Canada. American Express Gold Rewards Card. 25,000 Aeroplan points ( terms apply) Best Aeroplan credit card with Air Canada perks. TD® Aeroplan® Visa Infinite* Card. Up to 20,000 Aeroplan points and a bonus Buddy Pass ( terms apply) The Aeroplan credit card with the most perks. CDIC COVERAGE: WHAT EVERY CANADIAN SHOULD KNOW The Canada Deposit Insurance Corporation (CDIC) is a government corporation created to protect your eligible deposits in Canadian banks and savings institutions. If a member bank defaults, your deposits will be insured up to $100,000 per bank and per account type. This insurance is automatic and requires no opt-ins or sign-ups. DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5 HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADAHOW DOES SCHOLARSHIP MONEY WORKHOW TO GET SCHOLARSHIP MONEYHOW TO GIVE SCHOLARSHIP MONEYHOW TO RECEIVE SCHOLARSHIP MONEYPHD SCHOLARSHIPS IN CANADA 2021 HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES Segregated funds are an interesting way to invest your money – with some special features you won’t get on most other investment products. 1. Your principal investment is up to 100% guaranteed. One of the best parts of segregated funds is the fact that you usually get a guarantee between 75% and 100% of your principal. 25 EASY SIDE HUSTLES EVERYONE CAN DO 14. Deliver food. If you like driving, but aren't keen on the idea of having strangers in your car, signing up for a delivery service like UberEATS or Door Dash can get you paid for driving food around. In big cities, you can even bike instead of drive – getting a great amountof
SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADAHOW DOES SCHOLARSHIP MONEY WORKHOW TO GET SCHOLARSHIP MONEYHOW TO GIVE SCHOLARSHIP MONEYHOW TO RECEIVE SCHOLARSHIP MONEYPHD SCHOLARSHIPS IN CANADA 2021 HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill THE BEST SECURED CREDIT CARDS IN CANADA 2021 What is a secured credit card? But let’s start from the beginning – what exactly is a secured card? They’re cards that require you to make a down payment that matches the credit limit you want.So if you want to have $1,000 worth of spending power on your secured credit card, you’ll have to put down a $1,000 security deposit. CAPITAL GAINS TAX CANADA: WHAT IT IS AND HOW TO AVOID ITWHAT ARE CAPITAL GAINS?CAPITAL GAINS ARE ANY ASSET WHICH YOU PURCHASED, ARE GIVEN, OR INHERITED THAT INCREASES IN VALUE FROM THE POINT OF ACQUISITION TO THE POINT OF SELL...HOW ARE CAPITAL GAINS TAXED IN CANADA?CAPITAL GAINS ARE TAXED AT YOUR NORMAL MARGINAL TAX RATE, BUT CANADA CURRENTLY HAS A 50% INCLUSION RATE. THAT MEANS ONLY HALF OF YOUR CAPITAL GAINS...DO I HAVE TO PAY TAXES ON CAPITAL GAINS WHEN I SELL MY HOUSE?NO, YOU DON'T HAVE TO PAY TAXES ON YOUR CAPITAL GAINS IF YOU SELL YOUR HOUSE FOR MORE THAN YOU BOUGHT IT FOR, AS LONG AS IT WAS YOUR PRIMARY RESIDE...HOW DO I AVOID CAPITAL GAINS TAX IN CANADA?ONE OF THE BEST WAYS TO AVOID OR DEFER CAPITAL GAINS TAX IS BY INVESTING IN A TAX-SHELTERED ACCOUNT, LIKE AN RRSP OR TFSA. YOU CAN ALSO OFFSETYOUR...
The Canadian capital gains tax can seem hard to understand at times. There are many rules around paying (and not paying) capital gains. If you’re feeling overwhelmed and uncertain if you need to pay capital gains or not, it’s best to discuss your particular situation with a credible accountant or financial advisor.. That said, it’s helpful for any investor to have a good foundation on SEGREGATED FUNDS CANADA: THE PROS, CONS, AND ALTERNATIVES A segregated fund is a type of private investment sold in Canada by life insurance companies (like BMO, RBC, Sunlife or Manulife) thatcome
25 EASY SIDE HUSTLES EVERYONE CAN DO When I was in high school, I was told that I'd have an average of 7 careers over my lifetime. Now that I’m an adult, I realize that it's actually more accurate for people to have several side hustles in their lifetime.. Even if you end up sticking with a primary 9 to 5 job, you'll likely end up doing something on the side outside of those hours to maximize your earnings and talents. SHOULD YOU FINANCE OR BUY YOUR CELL PHONE? A LOOK AT THEMASTERS IN FINANCE REDDITREDDIT FINANCE CAREERSREDDIT FINANCE PLAN Buying a new cell phone can be an exciting time – but it can also be really expensive. That is, if you decide to pay for it all at once. But with so many $0 down and 2-year financing deals, should you take the deal or pay the costs up front? We take a look at how much you pay for your phone by deferring the payment – and if buying your phone outright is really saving you money. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS Writing a will is an incredibly difficult and sobering task – but it's also incredibly important. No matter your age, it's a good idea to make sure the ones you love aren't burdened by uncertainty after you pass. We'll walk you through what things you'll need ELECTRIC VS. GAS CARS IN CANADA: THE PROS, CONS, AND Getting an electric car – or "going electric" – is a rising trend in Canada, and for good reason. With a dramatic decrease in environmental impact, plus some major gas savings year-to-year, electric vehicles may be the way of the future. Here's everything you need to know – price, range, how they work, and more. COMPARING CANADA’S 3 BEST SPORTS STREAMING SUBSCRIPTIONS How to stream sports is one of the biggest questions for Canadians who have cut out cable from their budgetIf you want reliable, high quality, and live sports streams, you'll have to pay for it. But with these 3 Canadian options – Sportsnet NOW, TSN Direct, and DAZN – you won't be breaking the bank for your favourite teams. WHAT’S THE BEST BANK ACCOUNT FOR KIDS IN CANADA? Getting your child a bank account is often an important step in teaching them about money. After all, giving them an allowance is one thing – teaching them to save and earn interest is another. We'll look at all the best bank accounts for kids in Canada so you know where to set your little one up. BEST INDEX FUNDS IN CANADA 2021 The best index funds in Canada either hold well-diversified ETFs or low-fee mutual funds. Though you can buy index funds from big banks (like RBC, TD, Scotia, and CIBC), there are also plenty of other fund managers out there you may want to consider. THE BEST SECURED CREDIT CARDS IN CANADA 2021 KOHO Prepaid Visa. 0.5% cash back without the credit check and get access to a unique credit building tool. At a glance. The KOHO Visa is a no fee prepaid card that lets you earn cash back rewards on all your purchases. Rating: Rewards rate: around 0.5%. HOWTOSAVEMONEY 2021 SCHOLARSHIP CANADA HowToSaveMoney.ca is proud to announce its 2nd annual scholarship for Canada’s future generation of movers and shakers. Dedicated to helping students achieve their dreams, we're offering a $2,000 to pursue their education – no matter what their field of study. Fill 10 BEST DIVIDEND STOCKS IN CANADA 2021 PE Ratio: 14.4. Dividend Yield: 4.69%. BNS is the ticker for the Bank of Nova Scotia stock on the Toronto Stock Exchange. One of the Big 5 banks in Canada, the Bank of Nova Scotia – or, as it’s better known, Scotiabank – provides banking services to Canadians, as wellas internationally.
TD MUTUAL FUNDS REVIEW Like most big banks in Canada, TD offers a number of different investment products for its clients, including TD mutual funds.You can invest in TD's mutual funds through their DIY investment platform, TD Direct Investing, or through your TD Wealth financial advisor.With 142 different funds available, you'll be able to tune your investment portfolio to meet your own precise needs. VANGUARD CANADA ETFS REVIEW Vanguard Canada ETFs offer a simple way for Canadians to build a diversified portfolio, but have a few drawbacks to keep in mind. Also, if you're a socially conscious investor, you're not going to find any investment options for you here. HOW TO WRITE A WILL: A GUIDE FOR CANADIANS How to write a will. First things first, there are 2 types of wills: A formal will is in writing, has your signature, and is signed in the presence of 2 witnesses – who will also sign the will in your presence. A holograph will is prepared in your own handwriting and signed by you. You also don’t need a lawyer to write a will, butit’s
A GUIDE TO OLD AGE SECURITY (OAS) CLAWBACK IN CANADA Here are a few tips to help. 1. Defer your OAS payments. This is one of the easiest ways. Since you have to be making at least $77,580 in 2019 in order to even be worrying about OAS clawbacks, you may not even need your OAS payments in the first place. If WHICH AEROPLAN CREDIT CARD IS BEST FOR 2021? Best Aeroplan credit card in Canada. American Express Gold Rewards Card. 25,000 Aeroplan points ( terms apply) Best Aeroplan credit card with Air Canada perks. TD® Aeroplan® Visa Infinite* Card. Up to 20,000 Aeroplan points and a bonus Buddy Pass ( terms apply) The Aeroplan credit card with the most perks. DECODING COSTCO’S 5 “SECRET” PRICE CODES We all know Costco is one of the best places to save money, but have you noticed they don't usually have a whole bunch of sale signs? They like to keep their discounts pretty low-key, but it's actually written in plain view – if you know where to look. We go over the 5____
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Relationship Money Mistakes: A Story Of Joint Bank Accounts, Legal Threats, And How It All Could Have Been Avoided* __Needs
* __August 27, 2019
* __HowToSaveMoney Team Breakups can be messy…but they can be even worse when there’s money involved. Are you ready to combine finances and open a joint bank account? Read th...Read More __
Best Student Bank Accounts In Canada: A Comparison Of The Big Five* __Student
* __August 26, 2019
* __HowToSaveMoney Team Student life can be an expensive time – but the best student bank accounts in Canada can alleviate a little bit of that financial burden. With unlimit...Read More __
Should You Get A Student Loan, Line Of Credit, Or Credit Card?* __Student
* __August 20, 2019
* __HowToSaveMoney Team Becoming a university or college student is the beginning of a life full of choices. Just one of the many choices you face will be howyou're going to...
Read More __
2019’s Best Student Laptops For Every Budget* __Student
* __August 19, 2019
* __HowToSaveMoney Team Being a student can be a stressful time financially. But now that it's basically a necessity to have a laptop, your budget just shot up byhundreds of...
Read More __
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