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Canadian mortgage and property writer covering the stress test (B-20), CMHC mortgage insurance, the First Home Savings Account (FHSA), and interprovincial differences in land transfer tax.
Canada's 2024 budget increased the capital gains inclusion rate for higher earners and corporations. Learn how the new rules affect your investment strategy and tax planning.
Learn how the Home Buyers' Plan lets you withdraw up to $35,000 from your RRSP tax-free to purchase your first home, and what you need to know about repayment.
Compare how the Canada Pension Plan and Old Age Security work together to form the foundation of your retirement income, and learn which program suits your situation.
Learn how your credit card balances affect your credit score in Canada and discover practical strategies to optimize your credit utilization ratio.
Employer RRSP matching is free money that compounds tax-deferred for decades. Not maximizing your contribution means leaving guaranteed returns on the table.
A lump sum can accelerate your financial goals or disappear quickly. Learn how to prioritize debt, savings, and growth to make your windfall work for you.
A management expense ratio of just 2% can cost you over $100,000 in lost returns on a $100,000 portfolio over 20 years. Use this checklist to audit your investments and cut hidden fees.
Learn when to rebalance your investment portfolio and how often Canadian investors should review their asset allocation to stay on track.
Learn how sinking funds help Canadian households budget for irregular expenses like property tax, insurance, and seasonal costs without derailing monthly cash flow.
Learn how Canadian income tax is calculated across federal and provincial brackets, and how to estimate your total tax liability before filing.
Compare the FHSA to RRSP Home Buyers' Plan, TFSA, and regular savings to find the best registered account strategy for your first home purchase in Canada.
Canadian investors can hold many U.S. stocks in a TFSA, but dividends, currency conversion and contribution-room rules can change the real return. Here are the five practical issues to understand before buying.
CRA TFSA room can be missing or stale, especially early in the year. Use your own records before contributing so you do not accidentally over-contribute.
Cash-alternative ETFs can hold idle money inside a brokerage account, but they are not the same as a savings account or GIC. Compare HISA ETFs, T-bill ETFs, cash management ETFs, ultra-short bond ETFs, and money market ETFs before choosing.
Navigate mortgage renewals and pre-approvals in Canada's summer 2026 housing market with confidence. Learn the steps, timing, and strategies to secure the best rates and terms.
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