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Helping Canadians with Personal Finance Since 2006

Archive for July 2013

How to Read and Understand Business News

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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How to Roll a Covered Call Position

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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Job Programs for Persons with Disabilities (or considered disadvantaged)

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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A Breakdown of Our Monthly Expenses 2013

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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GlobeInvestor Special Offer and Weekend Reading!

Exclusive GlobeInvestor Offer If you are a personal finance enthusiast, you are likely a follower of  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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Performing R&D in your Business? SR&ED Changes Coming in 2014

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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