Personal Finance – Page 3 – How to Achieve Financial Freedom

‘Warflation’ Will Hit More Than Just Gas Prices

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article ‘Warflation’ Will Hit More Than Just Gas Prices originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/war-inflation #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances […]

‘Warflation’ Will Hit More Than Just Gas Prices Read More »

Canadian pension plans are so healthy that employers are taking a contribution ‘holiday,’ says Mercer

Canadian pension plans are so healthy that employers are taking contribution holidays, but the good times may not last, says human resources consultant Mercer (Canada) Ltd. “Surpluses have been increasing over the past couple of years and when the surpluses get large enough, some clients actually find themselves in a position where a contribution holiday

Canadian pension plans are so healthy that employers are taking a contribution ‘holiday,’ says Mercer Read More »

Garry Marr: With housing prices flat, the high cost of moving has never been more clear

The spring housing market is here, and with it a temptation to move, but before you pull the trigger on a purchase, it is worth stepping back and considering a long-range plan for how many times you will buy and sell homes in your lifetime. Downsizing, upsizing, buying for the first time … it doesn’t

Garry Marr: With housing prices flat, the high cost of moving has never been more clear Read More »

CRA denied taxpayer with multiple health issues the disability tax credit

Of the numerous non-refundable credits on the 2025 tax return, one of the most valuable ones is the disability tax credit (DTC). The DTC is a non-refundable tax credit that is intended to recognize the impact of various non-itemizable, disability-related costs. For 2025, the value of the federal credit was 14.5 per cent of $10,138,

CRA denied taxpayer with multiple health issues the disability tax credit Read More »

Looser Banking Rules Could Mean Cheaper Loans For You. What Could Go Wrong?

Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article Looser Banking Rules Could Mean Cheaper Loans For You. What Could Go Wrong? originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/basel-III-endgame #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest

Looser Banking Rules Could Mean Cheaper Loans For You. What Could Go Wrong? Read More »

Old Age Security reform is a good idea; arbitrary clawbacks are not

My Shih Tzu bichon, Enzo, loves to wander. He’ll find any opportunity to take off, requiring me to chase after him. We’ve even had to install a GPS-enabled wireless fence., which keeps Enzo in but not because he wants to. Many governments are increasingly taking a similar approach to their tax systems. In a world

Old Age Security reform is a good idea; arbitrary clawbacks are not Read More »

Dad won’t talk about estate planning. How can I avoid being blindsided?

Q. I am an only child but my dad is very quiet on estate planning . I am unsure what to do at this point. I’m 40 years old and my dad is 67 years old. He owns a home, a boat, three cars and a cat. He is still working as a labour foreman

Dad won’t talk about estate planning. How can I avoid being blindsided? Read More »

When helping a young adult out with the rent can do more harm than good

By their mid-twenties, many young adults are eager for independence, but the realities of an uncertain job market, high housing costs, daily expenses and student debt mean the transition to full financial independence is taking longer than it once did. For parents, this stage often brings a mix of pride, concern and practical questions. Still,

When helping a young adult out with the rent can do more harm than good Read More »

If the USPS Runs Out of Money, Will You Still Get Mail?

Kate Ashford, WMS™ writes for NerdWallet. Email: [email protected]. Twitter: @kateashford. The article If the USPS Runs Out of Money, Will You Still Get Mail? originally appeared on NerdWallet. https://www.nerdwallet.com/finance/learn/usps-out-of-money #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest

If the USPS Runs Out of Money, Will You Still Get Mail? Read More »

How can an Ontario couple ensure their disabled son is taken care of after they die?

Anthony*, 62, and Chelsea, 61, have been enjoying retirement in Ontario for the past decade or so. Their biggest concern is ensuring the financial stability of their youngest child after they are gone. He has a developmental disability and is not able to manage his own finances. To this end, their child receives Ontario disability

How can an Ontario couple ensure their disabled son is taken care of after they die? Read More »

From retirement to rewirement: Why working past the age of 65 is becoming normal

In my early days as an adviser , I worked with a client who had spent more than four decades in a demanding professional role, often working long weeks. His financial plan worked exactly as expected when he finally retired, but what surprised him was everything else. Without meetings, deadlines or colleagues, his days suddenly

From retirement to rewirement: Why working past the age of 65 is becoming normal Read More »

Despite growing financial pressures, Canadians are still reliably paying their mortgages

Despite a trade war and other geopolitical tensions, as well as the ongoing mortgage renewal wave, the majority of Canadian homeowners are still meeting their monthly mortgage payments, according to a new poll. About 83 per cent of Canadian homeowners say they have never missed a mortgage payment, according to a survey from brokerage True

Despite growing financial pressures, Canadians are still reliably paying their mortgages Read More »

Live Updates: Amazon’s Big Spring Sale 2026 Deals

Courtney Neidel writes for NerdWallet. Email: [email protected]. Twitter: @CourtneyNerd. The article Live Updates: Amazon’s Big Spring Sale 2026 Deals originally appeared on NerdWallet. https://www.nerdwallet.com/finance/news/amazon-big-spring-sale #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney #moneymanagement #creditrestoration #invest #wealthbuilding #creditrepairservices #moneytips #passiveincome #finances

Live Updates: Amazon’s Big Spring Sale 2026 Deals Read More »

Garry Marr: Why it could be the right time to walk away from your real estate

There is a time to throw in the towel on any investment and that moment may be coming for some homeowners and condo investors. Bankruptcy is still an ugly word in our society, and many will fight tooth and nail to avoid it, but it is becoming a viable financial option today if your real

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Most Canadians have yet to file taxes, CRA data show. Here are five tips to get you going

Tax filing season officially began just over three weeks ago, and according to the latest individual income tax return statistics for the 2026 tax-filing season, as of March 15 the Canada Revenue Agency has received 5.5 million returns , nearly all of which (96 per cent) were filed electronically. Of the returns processed by the

Most Canadians have yet to file taxes, CRA data show. Here are five tips to get you going Read More »

Beware of airline trickery on oversold flight credits as you can’t always get what you want

Let me tell you a story about a bad airline experience . Maybe you can relate directly as, unfortunately, I think many of you can. I won’t name the airline , but a few months ago, I was going on a four-day trip to Mexico with my son. As we approached the gates for a

Beware of airline trickery on oversold flight credits as you can’t always get what you want Read More »

Are GICs enough to keep Silvia’s nest egg going?

Q. I am a single 61-year-old and my concern for my nest egg is simply maintaining the capital. I’m not optimistic about the world economies and wonder if Treasury bills or guaranteed investment certificates (GICs) are enough of an investment to simply keep my principal intact over the next few years. I make about $60,000

Are GICs enough to keep Silvia’s nest egg going? Read More »

CRA refused to cancel TFSA overcontribution tax

Canadians continue to run into trouble with their tax-free savings accounts ( TFSAs ), as evidenced by the steady flow of e-mails I get from readers complaining about being charged overcontribution tax by the Canada Revenue Agency for situations often beyond their control. For example, just this week, a reader wrote to me about the

CRA refused to cancel TFSA overcontribution tax Read More »

Should couple in their 50s who want to retire tap into RRSPs or apply for CPP?

Now that both of their children have started their careers, are married and purchased their first homes, Timothy,* 57, and Margaret, 53, are ready to retire. Ideally, they both want to leave the workforce in two years when Timothy can retire with his full defined-benefit pension after 30 years of work. “We’ve helped the kids

Should couple in their 50s who want to retire tap into RRSPs or apply for CPP? Read More »

Just like a Dad tax, government taxation can inspire behaviour changes — both good and bad

I used to impose what my kids jokingly called the “Dad tax” when they were younger. If we went out for dinner and they ordered something that looked particularly appealing, I would demand a small sample as my tax for paying the bill. Over time, they figured out how to avoid the tax by ordering

Just like a Dad tax, government taxation can inspire behaviour changes — both good and bad Read More »