Objective Financial Partners Blog
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Debt Repayment vs. RRSP Contribution
The article “Debt Repayment vs. RRSP Contribution” was originally published on MoneySense on February 2, 2015. There’s no rule of thumb when it comes to RRSP contributions versus mortgage repayment Q: My husband and I are close to paying off our mortgage early. Should we put the extra cash in our RRSPs…
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How to Cut Through the Noise of Financial Promotions in RRSP Season
The article “How to Cut Through the Noise of Financial Promotions in RRSP Season” was originally published on The Financial Post on January 30, 2015. During the first three months of the year, the financial industry battles for your attention. Plenty of promotions pop up, as new TFSA room becomes available, RRSP…
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Invest or Pay Off The Mortgage?
The article “Invest or Pay Off The Mortgage?” was originally published on MoneySense on January 27, 2015. Here’s what Martin should do with the money he is currently stuffing in his TFSA Q: I have an outstanding mortgage of $490,000 with a 3.34% fixed interest rate for another 4 years and I…
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The Lowdown on Long-Term Bonds
The article “The Lowdown on Long-Term Bonds” was originally published on MoneySense on January 20th, 2015. AJ has three long-term bonds in his RRIF. The yields are good, but he’s worried that these investments were a bad idea for this account. Q: We have three Registered Retirement Income Funds (RRIFs). One…
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How to Handle Your RRSP in a Second Marriage
The article “How to Handle Your RRSP in a Second Marriage” was originally published on The Financial Post on January 20th 2015. Second marriages make financial planning more complicated on several levels, including how to combine your existing finances and how to set mutual financial goals. Registered plans, including registered retirement savings plans,…
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RRIF Management: Going it Alone
The article “RRIF Management: Going it Alone” was originally published on MoneySense Magazine on January 13th 2015. Keep your retirement portfolio simple and above all else, have a plan Q: My questions are about my two RRIF accounts. I have too much money in the money market and GICs. I am also worried about the ETFs…
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Is Now The Time to Invest in Oil?
The article “Is Now the time to invest in oil” was originally published on MoneySense Magazine on January 6th 2015. Online Only. It’s TFSA and RRSP season and time to check on your exposure to crude oil Q: What are your thoughts on the price of oil? Should a person…
Read MoreThe kids are not all right
If young adults are overindulging, as a study this week suggests, it probably isn’t because they are flush with cash. Youth unemployment has remained stubbornly high for the last three years at around 14% while the average student debt has ballooned to an average of $27,000. Yet American Express suggests…
Read MoreSnapshot of Canadians’ finances
JASON HEATH | Special to the Financial Post | Published June 30, 2012 Who is the average Canadian — financially speaking? According to the Association for Canadian Studies, our median household income is $68,560 per year. Personal incomes are lowest in Prince Edward Island at $21,620 and highest in Alberta at $36,010.…
Read MoreAre you too late to plan your retirement?
JASON HEATH | Special to the Financial Post | Published June 26, 2012 Retirement planning is one of those things that’s probably better to start earlier rather than later. But how late is too late? It’s arguably never too late, as making small changes today can yield big returns in the future.…
Read MoreWill higher interest rates hit our spending – or our savings?
JASON HEATH | Special to the Financial Post | Published June 21, 2012 A report by Statistics Canada this week helped highlight the Catch 22 that consumers might find themselves in when interest rates rise to more normalized levels. In particular, when interest costs begin to increase, will people spend less or…
Read MoreOn 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…
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