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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On occasion, I write covered calls to help boost the income of my portfolio. What is a covered call? At a high level, it’s allowing another investor (call buyer) the opportunity to purchase your shares (minimum 100 shares) at a certain price (strike price) and by a certain date (expiry). Why would a covered call…

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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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Opportunities Fund for Persons with Disabilities The Opportunities Fund for Persons with Disabilities (OFPD) is a program designed to help persons with disabilities to prepare for and obtain employment or self-employment in Canada. The program supports local, regional and national projects. The eligibility for local and regional projects differ by region and year contingent on…

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Back in 2008, I wrote a post about our monthly expenses. Since a lot has happened over the past 5 years or so, I thought it would be a good idea to provide an update. So what has happened since 2008?  To start, in 2008 we had our first child (expenses were not included in…

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Exclusive GlobeInvestor Offer If you are a personal finance enthusiast, you are likely a follower of GlobeInvestor.com.  Recently, they decided to install a pay wall to obtain paid subscribers for reading their articles (you still get 5 free articles a month).  It typically costs $0.99 for the first month, then $19.99 for every month after. …

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The Canadian government offers one of the most lucrative research & development (R&D) tax incentives in the world. It is known as the Scientific Research and Experimental Development (SR&ED) program. The SR&ED program has been an integral part of business growth across Canada because the program offers more than $3 billion dollars in tax credits…

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