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Paul has Shed Despair – Should He Now Get Rid of His Adviser?
The article “Paul has shed despair – should he now get rid of his adviser?” was originally published on the Globe and Mail on September 25th, 2013 by Gail Johnson. There’s a big difference between depression and the blues. Paul can attest to the toll that ongoing feelings of despair…
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Debt burden crimps young couple
The article “Debt burden crimps young couple” was originally published on the Globe and Mail on June 28th 2013 by Dianne Maley. Britney and Kevin have a problem that will be familiar to many Canadians – too much debt and not enough income. They are 30 with two young children,…
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…
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.…
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