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Could A Line Of Credit Impact My Mortgage Application?

By Jason Heath - October 6, 2022

The article “Could a line of credit impact my mortgage application?” was originally published in MoneySense on October 6, 2022. Photo by Sarandy Westfall on Unsplash. Line of credit payments and other non-mortgage debt are factored into mortgage affordability calculations. Here’s what you need to know before filing your mortgage…

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When Should You Withdraw Money From Your Corporation To Invest?

By Jason Heath - October 3, 2022

The article “When should you withdraw money from your corporation to invest?” was originally published in MoneySense on October 3, 2022. Photo by Felicity Tai from Pexels. Is taking money out of a corporation to invest in RRSPs, TFSAs and real estate a good decision? What happens when you retire…

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Gifting A Parent’s Assets Using A Power Of Attorney

By Jason Heath - September 26, 2022

The article “Gifting a parent’s assets using a power of attorney” was originally published in MoneySense on September 26, 2022. Photo by Andrea Piacquadio from Pexels. As power of attorney, does it make sense to divide up a parent’s assets before their death? “I am hoping that someone can give…

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Is A Vacation Home A Good Investment?

By Jason Heath - September 20, 2022

The article “Is a vacation home a good investment?” was originally published in MoneySense on September 20, 2022. Photo by Maria Orlova on Pexels. A cottage or other vacation property can provide a great way to unwind and spend time with family. But what are some of the financial implications?…

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Can A Non-Resident Open An Investment Account In Canada?

By Jason Heath - September 19, 2022

The article “Can a non-resident open an investment account in Canada?” was originally published in MoneySense on September 19, 2022. Photo by Vasily Kleymenov on Pexels. What are the options for investing as a non-resident of Canada? Which is better: an RRSP or a tax-sheltered account in another country? “I…

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Can You Gift A Farm To Your Kids To Avoid Taxes?

By Jason Heath - September 12, 2022

The article “Can you gift a farm to your kids to avoid taxes?” was originally published in MoneySense on September 12, 2022. Photo by Jake Heinemann on Pexels. The idea to gift property to a family member for a dollar to avoid tax is a common one. But can this…

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Should You Buy Real Estate Through A Corporation?

By Jason Heath - September 12, 2022

The article “Should you buy real estate through a corporation?” was originally published in MoneySense on September 12, 2022. Photo by Pixabay on Pexels. It can make sense to purchase rental or vacation properties through a corporation, but often it’s simpler—and less risky from a tax perspective—to own the real…

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Will You Make Money On Your Rental Property?

By Jason Heath - September 7, 2022

The article “Will you make money on your rental property?” was originally published in MoneySense on September 7, 2022. Photo by Timur Saglambilek on Pexels. Rental real estate has been a great investment for many Canadians. But how do you assess whether yours is likely to work out? After a…

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What Time Of Year Should You Retire?

By Jason Heath - September 6, 2022

The article “What time of year should you retire?” was originally published in MoneySense on September 6, 2022. Photo by Kampus Production from Pexels. When’s the best time to retire? The timing is not always up to you, but if you can choose, there may be an ideal date. “Is…

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How To Invest With Spousal Loans For Canadians—And How To Pay It Back

By Jason Heath - August 30, 2022

The article “How to invest with spousal loans for Canadians—and how to pay it back” was originally published in MoneySense on August 30, 2022. Photo by Antoni Shkraba on Pexels. There is plenty of advice on setting up a spousal loan for income splitting, but it’s important to know what…

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Do You Have To Split Your Estate Evenly Between Your Children?

By Jason Heath - August 23, 2022

The article “Do you have to split your estate evenly between your children?” was originally published in MoneySense on August 23, 2022. Photo by Askar Abayev from Pexels. Courts in some provinces can vary the distribution of an estate and override a last will and testament. Here’s how it could…

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How Capital Gains Tax On Property Is Divided In A Divorce

By Jason Heath - August 15, 2022

The article “How capital gains tax on property is divided in a divorce” was originally published in MoneySense on August 15, 2022. Photo by Andrea Piacquadio from Pexels. When a couple separates, how does owning, transferring and dividing multiple properties affect capital gains? My spouse and I separated in September…

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