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In your 20’s or early 30’s you may not think life insurance is something you need or want since you are young and most likely still at the prime of your health.   Good Health and youth translate to lower insurance costs, even if you have a condition medically, youth will keep your premiums as low… Continue reading Life Insurance: You tell me to buy young… Why?

A Ponzi scheme is a type of fraud that all investors need to be aware of. The basic premise of a Ponzi scheme is to attract investors and pay profits to earlier investors from the money invested by later investors. This cycle can continue for lengthy periods of time especially if investors are enticed to… Continue reading Detecting and Avoiding Ponzi Schemes

Even with excellent medical insurance, a single critical illness can be a tremendous financial burden to you and your family. Critical illness insurance provides a one-time, lump-sum payment that you can use any way you want if you experience one of the serious conditions as defined by your policy, such as cancer, heart attack, or… Continue reading Critical Illness Insurance: What is it? Do I need it?

In 2022, investors are seeing the traditional 60% stock / 40% bond portfolio suffering in a period of rising interest rates and soaring inflation. Stock markets globally have experienced lots of volatility. This type of market environment outlines the benefit of investing in real assets. These types of assets are uncorrelated with the equity and… Continue reading Investing in Farmland

One of your most important assets is the ability to earn income. Over your lifetime, your potential earnings can be worth far more than your car or house. While most people insure these types of assets, insurance for your income is often overlooked. Disability insurance is an insurance policy that provides you coverage (“replacement income”)… Continue reading Disability Insurance – 3 Things You Need to Know

The United States is known for producing some of the world’s largest technology companies—think Apple, Google, Facebook, and Amazon. Historically, Canada has not had the same success in the tech space, so when a new e-commerce software company started growing rapidly, investors got excited. Enter, Shopify. Shopify is an Ottawa based company that creates software… Continue reading Value Matters – The Rise and Fall of Shopify

A traditional 60/40 balanced portfolio of Canadian stocks and bonds is down 11% YTD in 2022 (as of June 21), being one of the worst starts to a year on record. Both the stock market and the bond market have fallen in unison, with the Canadian bond market on pace for its worst year in… Continue reading What to do (and not do) during a market sell off

By now, we’ve all noticed having to dig deeper into our pockets to buy groceries, fill up gas tanks, and book vacations. We are witnessing and experiencing significant inflation for the first time in decades. Over the past 6 months, inflation has spiked to levels not seen since the 1980’s, with the most recent Consumer… Continue reading 3 Ways to Get Your Investments Working Harder During Inflation

As inflation increases around the world due to the impacts of the pandemic and geopolitical events, governments in many countries are expected to increase interest rates. This is clearly demonstrated by the fact that the Bank of Canada recently raised interest rates by 0.25% and further increases are expected later this year. In the United… Continue reading How Your Portfolio Can Profit From Rising Interest Rates

Money can be a tricky topic, and talking about it with your partner can be challenging. Regardless, it is essential and ignoring it can lead to disastrous consequences. How do you navigate this complicated world of finance and love? Here are some suggestions: 1. SET UP A REGULAR TIME FOR THESE MEETINGS Find times that… Continue reading Talking to Your Partner About Money