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Helping Canadians with Personal Finance Since 2006

Posts by FT

How Do I Maximize RESP Withdrawals?

With my oldest child turning 11 this year, my mindset and strategy for our family RESP is starting to shift from accumulation and growth to a more balanced portfolio. This has many similarities to retirement planning but on a smaller scale. In your younger years, there is a focus on growth, but as retirement approaches,…

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Running out of HELOC Space with the Smith Manoeuvre

If you’ve been following the blog for a while, you may have heard about the Smith Manoeuvre. At a high level, it’s a long-term investment strategy for investors with high risk tolerance.  Essentially, it’s where an investor borrows against his home (using a HELOC) to invest in the stock market, business, and/or real estate.  The plan…

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Free Canadian Financial Summit tickets, Getting Retirement Ready, Living off Dividends and More!

Sponsored RBC InvestEase contacted me to help spread the word on a new educational initiative that they started to help beginner investors.  As they have launched a very competitive robo-advisory service that I positively reviewed, they are building an educational database of articles to help with your investing journey. Check out RBC InvestEase articles on…

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Financial Freedom Update (Q3) – September 2019 – Reaching the Cross Over Point ($53,400 in Dividend Income)!

Welcome to the Million Dollar Journey September 2019 (Q3) Financial Freedom Update – the third update of 2019!  If you would like to follow my latest financial journey, you can get my updates sent directly to your email, via Twitter or Facebook, and/or you can sign up for the monthly Million Dollar Journey Newsletter. For those of you new here, since achieving…

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Late Starting your RESP? Here’s how to Catch UP!

A friend of mine, Gary, recently asked me about registered education savings plans (RESPs) and if it’s too late to get started. Gary’s kids are 14 and 12, and while a bit late in the game, there is still time to take advantage of free government money. What is an RESP? An RESP stands for…

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