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Bull and Bear Markets

    The principles of financial planning will apply differently to each investor’s situation. Here is an example: It is often quoted in mainstream media that a TFSA is better than an RRSP. However, that statement is far too general to have any meaning....

Prudence or Imprudence?

Last week the Bank of Canada raised their overnight interest rate to 1.75%, an increase of .25%. Several of the big banks immediately followed suit. Borrowing costs will likely increase, for example on variable rate mortgages and lines of credit. What prompted me to...

Sugar Overload?

You may or may not have noticed that interest rates have been consistently in the news for quite a while. A client suggested I do a blog post on whether we should care about that topic. The answer is if you are a borrower, or a saver/investor interest rates will...

In Defence of Small Potatoes

Here are some quick afterthoughts from the tax season. Being well organized will ensure the task of doing your return is painless and quick. Another plus of being organized is that you will be able to take advantage of all of the claims you are allowed. Start...

Peer Pressure: Not Just For Teens

Sure go head and choose the trending colors on Pinterest or go to the latest blockbuster movie. Even check out the trendiest resto in town. But please don’t apply that popularity concept to your investments. Further to my last blog post let’s take a deeper dive into...

Painting the Tape

When you are as old as I am, the phrase been there done that takes on new meaning in all aspects of life. The stock market and the activity of its participants follow patterns that hold true no matter the decade. It just blows my mind at the similarity of people’s...