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Are Mutual Fund Fees Tax Deductible?
The article "Are mutual fund fees tax deductible?" was originally published in MoneySense on April 24, 2023. Photo by Centre for Ageing Better from Unsplash. Don’t go claiming a deduction for mutual fund fees on your tax return. Why? Because they’ve already been...
Can You Save Tax By Moving Into Your Rental Property?
The article "Can you save tax by moving into your rental property?" was originally published in MoneySense on April 18, 2023. Photo by Ketut Subiyanto from Pexels. Moving into a co-owned property has capital gains tax implications, but there are other financial...
What Is Considered Day Trading In A TFSA
The article "What is considered day trading in a TFSA" was originally published in MoneySense on April 17, 2023. Photo by AlphaTradeZone from Pexels. The recent Ahamed v. The King decision by the Tax Court of Canada highlights risks for investors who trade frequently...
Selling Stocks At A Loss In A TFSA: What It Means For Your Contribution Room
The article "Selling stocks at a loss in a TFSA: What it means for your contribution room" was originally published in MoneySense on April 10, 2023. Photo by Ketut Subiyanto from Pexels. Before holding speculative stocks in a TFSA, consider what reporting a capital...
Ottawa Is Offering a 25-year, High-Interest GIC: It’s Called The Canada Pension Plan
The article "Ottawa is offering a 25-year, high-interest GIC: It's called the Canada Pension Plan" was originally published in Financial Post on April 7, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. Decision on when to apply for CPP becomes clearer when you think of it as...
FP Answers: What Are The Pros And Cons When Borrowing Money To Invest?
The article "What are the pros and cons when borrowing money to invest?" was originally published in Financial Post on April 6, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. You need a high risk tolerance, low investment fees and a long time horizon to make it worth...
Canada’s Budget 2023: What It Means For You and Your Family
The article "Canada’s Budget 2023: What it means for you and your family" was originally published in MoneySense on March 31, 2023. Photo by Nabil Saleh from Unsplash. The federal government’s 2023 budget proposes a national dental care plan, a grocery rebate, changes...
Can Lucas and Shelby Afford To Give $100,000 To Each Of Their Kids For A First House?
The article "Can Lucas and Shelby afford to give $100,000 to each of their kids for a first house?" was originally published on the Globe and Mail on March 28th 2023 by Dianne Maley. Lucas and Shelby are both teachers, earning a combined $210,750 a year. They have...
For Canadians Living Abroad, Is It Worth Investing In Foreign ETFs?
The article "For Canadians living abroad, is it worth investing in foreign ETFs?" was originally published in MoneySense on March 27, 2023 .Photo by Lukas Hartmann from Pexels. Canadians with extra savings overseas may wish to invest in foreign ETFs. However, there...
Navigating Ontario Probate: Which Assets Require Probate and How to Minimize Costs
In this blog post, we will explore which assets require probate in Ontario and provide tips on how to minimize probate costs. Understanding the process and requirements are key for executors and beneficiaries to efficiently and accurately settle an estate.
Are Your Deposits At Canadian Financial Institutions Safe?
The article "Are your deposits at Canadian financial institutions safe?" was originally published in MoneySense on March 20, 2023 . Photo by Mizuno K from Pexels. The failure of Silicon Valley Bank has highlighted risks in the U.S. banking system. Should Canadians...
Can You Use The Home Buyers’ Plan To Buy A Foreign Property?
The article "Can you use the Home Buyers’ Plan to buy a foreign property?" was originally published in MoneySense on March 13, 2023 . Photo by Ryutaro Tsukata from Pexels. Find out if you can use the RRSP home-buying program to purchase foreign property and the tax...
FP Answers: How Do I Determine When To Claim My Rental Condo Repairs As An Expense?
The article "How do I determine when to claim my rental condo repairs as an expense?" was originally published in Financial Post on March 10, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. No general rule, but there are several factors to consider when timing a deduction...
The benefits and flexibility of family RESPs
The article "The benefits and flexibility of family RESPs" was originally published in MoneySense on March 10, 2023 . Photo by Pexels. Grants and growth can be allocated amongst any beneficiaries of the plan "Can you write an article on how family RESPs work once the...
How To Invest As A Teenager In Canada
The article "How to invest as a teenager in Canada" was originally published in MoneySense on March 10, 2023 . Photo by Creative Christians on Unsplash. Birthday money burning a hole? Read our "investing for teens" guide for where to invest, how to buy stocks, what...
How Do The RRSP Contribution Carry Forward Rules Work?
The article “How do the RRSP contribution carry forward rules work?" was originally published in MoneySense on March 10, 2023 . Photo by SHVETS production from Pexels. What are the rules about RRSP carry forwards? Should you ever contribute the full amount? "If I have...
Should You Withdraw From Non-Registered or TFSA Investments In Retirement?
The article “Should you withdraw from non-registered or TFSA investments in retirement?" was originally published in MoneySense on March 8, 2023 . Photo by Greta Hoffman from Pexels. When starting to draw down your investments in retirement, should you sell your...
FP Answers: What should an investor do if they own a lot of shares in one company?
The article "FP Answers: What should an investor do if they own a lot of shares in one company?" was originally published in Financial Post on May 5, 2023, By Julie Cazzin with Andrew Dobson. There is a significant amount of risk in having 50% of your investments in a...
Is Now The Time For Retirees To Sell Stocks And Buy GICs?
The article “Is now the time for retirees to sell stocks and buy GICs?" was originally published in MoneySense on March 3, 2023 . Photo by Mikhail Nilov from Pexels. Many people near or in retirement are worried about stock market volatility. Does it really make sense...
Triggering Losses By Transferring Investments To A TFSA
The article “Triggering losses by transferring investments to a TFSA" was originally published in MoneySense on March 1, 2023 . Photo by Jonas Leupe on Unsplash. Stavros is worried that contributing an investment in kind to his TFSA will trigger the “superficial loss...
A Strategy For Non-Registered And TFSA Accounts In Retirement
The article “A strategy for non-registered and TFSA accounts in retirement" was originally published in MoneySense on March 1, 2023 . Photo by Felicity Tai from Pexels. Between a TFSA and non-registered accounts, what is the most tax-effective way to withdraw to fund...
These Are The Adviser Fees, Hidden And Otherwise, That Investors Need To Be Wary Of
The article "These are the adviser fees, hidden and otherwise, that investors need to be wary of" was originally published in Financial Post on February 28, 2023. PHOTO BY GETTY IMAGES/ISTOCKPHOTO. Most consumers are still largely in the dark about how much they pay...
Should You Sell Investments At A Loss To Pay Off Debt?
The article “Should you sell investments at a loss to pay off debt?" was originally published in MoneySense on February 27, 2023 . Image by shurkin_son on Freepik. When paying a high interest rate on debt, does it make sense to sell investments that have fallen before...
FP Answers: When Is Capital Gains Tax Due On A Cottage Purchased In Joint Tenancy With Two Other People?
The article "When is capital gains tax due on a cottage purchased in joint tenancy with two other people?" was originally published in Financial Post on February 24, 2023. PHOTO BY JAMES MACDONALD/BLOOMBERG FILES. RRSP contributions are one way of reducing capital...
Who To Name As Executor When Family Members Aren’t An Option
The article “Who to name as executor when family members aren’t an option?" was originally published in MoneySense on February 21, 2023 . Photo by Cottonbro Studio from Pexels. It’s not always possible or beneficial to name a family member or close friend as executor...
What is the difference between an advice-only financial planner and a fee-based investment advisor?
The use of titles by financial professionals in Canada is not very well regulated. As a result, determining the difference between someone providing advice-only financial planning and fee-based investment services is difficult. But the differences are significant. In...
Are Spousal And Child Support Payments Taxable?
The article “Are spousal and child support payments taxable?" was originally published in MoneySense on February 13, 2023 . Photo by Cottonbro Studio from Pexels. Spousal and child support payments are taxed differently. And lump-sum payments may come with their own...
How Much To Take Out Of Your RRSP In Your 60s
The article “How much to take out of your RRSP in your 60s" was originally published in MoneySense on February 8, 2023 . Photo by Marcus Aurelius from Pexels. Although RRSP withdrawals can be deferred no later than age 72, it may be necessary or advisable to make...
How to Apply for Probate of an Ontario Estate
When someone dies in Ontario, their investments, real estate, personal belongings, other assets, and debts make up their estate. Assets that are not held jointly with right of survivorship or that do not pass directly to named beneficiaries may require an estate...
Can An Executor Borrow Money To Cover Probate Costs?
The article “Can an executor borrow money to cover probate costs?" was originally published in MoneySense on February 6, 2023 . Photo by Gary Barnes from Pexels. Executors have a few options when the estate has outstanding bills and no cash to cover probate fees. Find...
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