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Should You Accelerate Your Mortgage Payments—Or Invest?

By Jason Heath - June 12, 2023

The article “Should you accelerate your mortgage payments—or invest?” was originally published in MoneySense on June 12, 2023. Photo by Blue Bird from Pexels. Chantal wants to pay down debt, invest and buy a property down south but isn’t sure which to prioritize. “My husband and I are struggling with…

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FP Answers: Can opening a joint investment account with my teenager reduce my taxes?

By Andrew Dobson - June 6, 2023

The article “FP Answers: Can opening a joint investment account with my teenager reduce my taxes?” was originally published in Financial Post on June 9, 2023, By Julie Cazzin with Andrew Dobson. Photo by Joslyn Pickens from Pexels. Putting investments in his name just to save tax and then using the…

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What To Do With U.S. Dollar RRSPs In Retirement

By Jason Heath - June 5, 2023

The article “What to do with U.S. dollar RRSPs in retirement” was originally published in MoneySense on June 5, 2023. Photo by Gustavo Fring from Pexels. If you already have a Canadian dollar RRIF, should you roll the U.S. dollar RRSP into the RRIF, or open a U.S. dollar RRIF…

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Should This DIY Investor Go All In On This International ETF?

By Jason Heath - May 29, 2023

The article “Should this DIY investor go all in on this international ETF?” was originally published in MoneySense on May 29, 2023. Photo by Ketut Subiyanto from Pexels. You can exclusively hold international ETFs in any Canadian account, without paying a penalty. But there are taxes and diversification to consider,…

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These Are The Biggest Myths In Personal Finance — And They’ll Cost You If Followed Blindly

By Jason Heath - May 26, 2023

The article “These are the biggest myths in personal finance — and they’ll cost you if followed blindly” was originally published in Financial Post on May 26, 2023. Photo by by Kubra Cavus from Getty Images. Jason Heath: Beware of financial advice that is biased or even outright wrong There…

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Do Non-Residents Pay Tax On CPP? What If You Live In The U.S.?

By Jason Heath - May 23, 2023

The article “Do non-residents pay tax on CPP? What if you live in the U.S.?” was originally published in MoneySense on May 23, 2023. Photo by Mike Jones from Pexels. Withholding tax is generally the only Canadian tax a non-resident pays for their CPP pension, and the tax burden is…

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Should You Transfer Your DC Pension Plan To A Discount Brokerage?

By Jason Heath - May 8, 2023

The article “Should you transfer your DC pension plan to a discount brokerage?” was originally published in MoneySense on May 8, 2023. Photo by Ono Kosuki from Pexels. Can you transfer funds out of your registered pension plan (RPP) and invest them yourself to reduce investment fees? Find out. ”…

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FP Answers: What should an investor do if they own a lot of shares in one company?

By Andrew Dobson - May 5, 2023

The article “FP Answers: What should an investor do if they own a lot of shares in one company?” was originally published in Financial Post on May 05, 2023  •  Last updated Oct 05, 2023. By Julie Cazzin with Andrew Dobson. Photo by by Marcus Millo from Getty Images. There is a significant…

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FP Answers: What should I do if I’ve missed three years of repayments to my RRSP Home Buyers’ Plan?

By Brenda Hiscock - May 3, 2023

The article “FP Answers: What should I do if I’ve missed three years of repayments to my RRSP Home Buyers’ Plan?” was originally published in Financial Post on Published Jan 27, 2023  •  Last updated May 03, 2023, by Julie Cazzin and Brenda Hiscock. Photo by by Tony Ianiro from Getty Images.…

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Market-Linked GICs: The Pros And Cons For Investors

By Jason Heath - May 1, 2023

The article “Market-linked GICs: The pros and cons for investors” was originally published in MoneySense on May 1, 2023. Photo by Andrés Góngora from Pexels. These GICs track the markets, offering low risk and some upside potential to investors. Here’s how to know if market-tracked GICs are for you. “My…

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Are Mutual Fund Fees Tax Deductible?

By Jason Heath - April 24, 2023

The article “Are mutual fund fees tax deductible?” was originally published in MoneySense on April 24, 2023. Photo by by Artur from Getty Images. Don’t go claiming a deduction for mutual fund fees on your tax return. Why? Because they’ve already been indirectly deducted. “Are management fees within a mutual…

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Can You Save Tax By Moving Into Your Rental Property?

By Jason Heath - April 18, 2023

The article “Can you save tax by moving into your rental property?” was originally published in MoneySense on April 18, 2023. Photo by Ketut Subiyanto from Pexels. Moving into a co-owned property has capital gains tax implications, but there are other financial impacts to consider as well. “I have a…

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