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On track to be a millionaire by age 50
By Julie Cazzin | MoneySense | June, 2012 The goal: Recent graduate James Fisher’s goal is to be worth $1 million by age 50. The current situation: When 24-year-old James Fisher graduated with a degree in business administration three years ago, he started working towards his lifelong goal of having…
Read MoreWhy no Canadian is safe from interest rate increases
JASON HEATH | Special to the Financial Post | Published June 14, 2012 Whether you’re a high-net-worth investor or a heavily indebted young family, the commentary issued by the Bank of Canada and its highlights are noteworthy. The bi-annual Financial System Review reflects “widespread doubts” about the capacity and resolve of European…
Read MoreReduce your tax bite to sweeten your returns
By Bruce Sellery | MoneySense | June 13, 2012 Question Everyone talks about the importance of asset allocation, which is critical to ensure you have the right mix of equities, bonds and cash in your portfolio. But very few commentators talk about the best way to divide the asset allocation…
Read MoreRetirement saving: Middle years case study
By Sarah Barmak | Canadian Business | June 8, 2012 THE DILEMMA: The financial worries that keep Chris and Sue-Ann Cooke up at night are the same ones discussed in the bedrooms of middle-class families across the country. Is it best to pay down debt or save for retirement? Should…
Read MoreHow Europe is hurting your retirement plans
JASON HEATH | Special to the Financial Post | Published May 30, 2012 Bond yields are hitting both record lows and record highs all over the world and creating risks for retirees long accustomed to treating fixed income as the risk-free component of their portfolios. Interest rates in many European countries are…
Read MoreHot condo market in big cities a product of demographics
JASON HEATH | Special to the Financial Post | Published May 9, 2012 On average, a home in Canada costs 84% more than in the United States right now. The national averages are $372,762 at home versus $203,100 south of the 49th parallel. One might argue that something has got to give.…
Read MoreWhat Warren Buffet’s cancer diagnosis can teach investors
JASON HEATH | Special to the Financial Post | Published May 5, 2012 This week, Warren Buffett released an open letter to Berkshire Hathaway Inc. shareholders revealing that he has been diagnosed with prostate cancer. The billionaire is a posterboy for so many aspects of personal finance. Most notably, he is one…
Read MoreWant to buy a cottage? Weigh the costs versus the rewards
JASON HEATH | Special to the Financial Post | Published May 5, 2012 May marks a time of change for those who own or who wish to own a vacation property. The snowbirds are returning from the sunny south and the Victoria Day holiday has historically been “opening weekend” for many cottagers.…
Read MoreWho will manage my portfolio if i develop dementia?
By John Heinzl | The Globe and Mail | April 26, 2012 I am an 82-year-old woman and currently work with a broker on a commission basis. If I develop dementia, should I transfer to a portfolio manager who would have discretion over my account? What other advice do you…
Read MoreHow to save money without cutting spending
JASON HEATH | Special to the Financial Post | Published April 18, 2012 One premise of conventional financial planning is cash flow management, a fancy term for plain old budgeting. If we could all just spend less and save more, financial independence would be a breeze. But the fact of the matter…
Read MoreThe homebuyers plan dilemma
By Bruce Sellery | MoneySense | April 18, 2012 Question My husband and I are both in our 30s and we withdrew from our RRSPs under the first-time Home Buyers’ Plan (HBP). Our question is whether it is worth it for us to pay off the HBP loan, which is…
Read MoreHow to use your line of credit the right way
JASON HEATH | Special to the Financial Post | Published April 13, 2012 When used responsibly, home equity lines of credit can help facilitate investments, improve tax-efficiency and provide liquidity. But when credit lines are used for household appliances, vacations, new cars and dinners on the town, the advantages quickly disappear. A report…
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