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Be Prepared, Because Life Happens

An emergency fund is an essential part of your personal finances. Its importance is stressed in almost every personal finance book and budgeting blog, and yet 27% of Canadians have one month or less of expenses in their emergency fund. If an emergency fund is, in fact, so important, then why is it so easy to procrastinate on emergency fund saving? Read more

When to choose a TFSA over an RESP for an Education Savings plan

If you’ve been following us on Facebook, you may already know that there are a few other options beyond an RESP for educational savings. For many parents or grandparents, an RESP could be the most bang for your buck due to the government grant associated (the government contributes 20 % up to $2,500) but there are always a few concerns to go with it. Read more

The Substance of Leadership

What are the qualities that make a great leader? This is a good question for young professionals to ask, and the staffing pros at Robert Half Technology are polling IT professionals to get the answers. Read more

Students and Parents Have Different Ideas about Back-to-School Budgeting

It’s that time of year again for students and parents to plan back-to-college shopping. Read more

Are you happy with your Money?

If the answer is no, the first thing to do is make sure you are happy with your financial relationship. I’m not talking about the one with your bank account or significant other, but the one with your personal banker. Read more

City versus Country: Where do you want to be?

Often our ideal fantasies are just that: Fantasies. However, it’s fun to think about. When I think of living in the country vs the city, that old show “Green Acres” and the song at the beginning of the show comes to mind; Tractors and Clean Air, and Times Square… Read more

Is it raining bad luck?

Do you ever have one of those days, weeks, months, even years where nothing seems to go quite the way you planned? After a quick Google search, it looks like bad luck is a curse, and some enterprising individuals are offering to rid you of this curse for a low fee. Maybe I should have taken them up on it, because I have found the last month to be quite challenging, let me tell you. Read more

Credit Union 101

Why belong to a credit union?
Ever had one of those dreams where you’re trying to get somewhere but stay stuck in one place? Banking at a traditional financial institution can feel just like that. Big plans and best intentions tend to count for little if you don’t have deep pockets, even if you have a responsible track record. That’s because banks are in the business of making a profit for their shareholders, while credit unions are focused on the financial security of their members. Read more

Card Skimming

Card skimming continues to rise in spite of the security efforts adopted in Canada. Skimming affects everyone, costing Canadians over 400 million dollars annually. Read more

Am I annoying you at the grocery store?

We’ve all been there. Standing. Waiting. Shifting our weight from our left to our right and then back again. Sighing. Checking our watch. What’s the hold up? Lineups at the grocery store can be the worst can’t they? It’s so annoying to be stuck in a line where someone is arguing the cost of an item and you’re waiting for an employee to go check the price on ice cream at the back of the store because someone wants to save fifty cents. Lady, I’ll give you fifty cents so we can get this line moving and I can go home.

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