Do you ever read the business news and find yourself wondering exactly what you should or shouldn’t believe? Do you find yourself thinking there is a “big picture” behind the story and you just don’t know what it is? And have you ever noticed that at almost any point in time there is an “apocalypse…

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Good morning! I received some reader mail and I’ve been asked to write about spousal RRSP’s. Here it goes.. What is a Spousal RRSP? A spousal RRSP is where one spouse makes an RRSP contribution but the other spouse (typically lower income spouse) owns the plan. Why would a married couple contribute to a spousal…

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I’ve written about top cash back credit cards in Canada before, and even modified my top pick. However, there are an abundance of other rewards based credit cards out there that deserve a look. My selections are based on the value of the rewards and the extra perks given. Also, all the cards chosen have…

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When I see tax returns for do-it-yourself investors, I am often struck by how much tax they pay on their investments. Many high net worth investors also pay a lot of tax on their investments in “Separately Managed Accounts” (SMAs), which are marketed as being tax-efficient. With an SMA, you hire a portfolio manager directly…

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