Objective Financial Partners Blog
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…
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…
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…
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,…
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…
How to Make Your 2014 Financial Resolutions Stick
The article “How to Make Your 2014 Financial Resolutions Stick” was originally published on Yahoo Finance Canada on Dec 30th 2013 by Gail Johnson. After getting into better shape, becoming financially fit is the next top priority among Canadians making New Year’s resolutions this year. That’s according to a recent…
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…
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,…
The 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…
Snapshot 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.…
Are 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.…
Will 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…
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