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In his 1890 anthropological classic The Golden Bough , Sir James Frazer observed that magic rests on the mistaken belief that human ritual can compel nature to obey. That belief was part of my childhood since I was fascinated by magic tricks. As an adult, I still enjoy it. One of my sons took a […]
Carney is trying to trick all of us with some accounting sleight of hand Read More »
If the economy is stalling and jobs are being cut, it may be time for you to do some trimming of your own. No, this isn’t a column about body shaming, but let’s target the extra pounds of junk in your home, ultimately costing you money, even in a housing market that has seen prices
Here’s one way to increase the size of your house without moving Read More »
Losing your wallet can feel like a nightmare. Beyond the hassle of replacing cards and IDs, there’s the serious risk of fraud and identity theft. The faster you act, the more control you keep over… The post Lost or Stolen Wallet? 10 Urgent Steps to Protect Yourself appeared first on Crediful. https://www.crediful.com/what-to-do-if-wallet-is-lost-or-stolen/ #financialfreedom #money #entrepreneur
Lost or Stolen Wallet? 10 Urgent Steps to Protect Yourself Read More »
If your income has gone up but your bank balance hasn’t, you’re not the only one. This is a common trap known as lifestyle creep. It happens when your spending quietly rises each time your… The post How Lifestyle Creep Quietly Wrecks Your Finances appeared first on Crediful. https://www.crediful.com/what-is-lifestyle-creep/ #financialfreedom #money #entrepreneur #business #finance #investing
How Lifestyle Creep Quietly Wrecks Your Finances Read More »
Married nearly 30 years, Laurence* and Sandra are officially empty nesters. Their two adult children are independent and building their careers and the couple are ready to fully embrace their next chapter — if they have saved enough. Laurence is 58 and would like to retire by the end of this year. Sandra is 61,
Empty nesters wonder if they have saved enough to retire and when to take CPP and OAS Read More »
One of the things I enjoy is hanging out with tax geeks like me who have a similar passion to see Canada’s tax system improved. Last week, I attended the Canadian Tax Foundation’s Tax Policy Symposium in Toronto, which was attended by roughly 100 in-person tax practitioners, academics and government bureaucrats who work in the
Good tax policies go hand in hand with good economic policies — we need both Read More »
Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. The article Is AI Really Coming After Your Job? originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/-is-ai-taking-over-your-job #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 #generationalwealth
Is AI Really Coming After Your Job? Read More »
I recently came across a thought-provoking article by Chuck Woodbury from the travel website RV Travel that offered a metaphor which, frankly, was quite insightful. It explained the idea that life is like a roll of toilet paper ; the closer you get to the end, the faster it spins. It’s simple, yet it makes
If life gets shorter, like a roll of toilet paper, why do we work so long? Read More »
In an increasingly complex world, the Financial Post should be the first place you look for answers. Our FP Answers initiative puts readers in the driver’s seat: you submit questions and our reporters find answers not just for you, but for all our readers. Today, we answer a question from Samuel about whether a prenup
Does a prenup agreement trump a will at death? Read More »
Giving feels good, and whether you donate out of compassion, a sense of duty or a desire to support family, neighbours, community groups or local charities, your generosity makes a difference. But when giving is financed by credit cards , accompanied by your home equity line of credit or while skipping essentials for yourself, it
Mary Castillo: Don’t donate yourself into debt Read More »
Credit card fraud rose sharply in the first half of 2025, according to a trends report by Equifax Canada . Released Oct. 1, the Equifax report said third-party fraud now drives 83 per cent of all fraudulent credit card activity, with identity fraud accounting for 78 per cent of those cases. Middle-aged Canadians are increasingly
Credit card fraud rising sharply in Canada, Equifax says Read More »
Economist Jack Mintz recently suggested that if the federal government wants to cut public spending, it should put some focus on tax simplification and that tax complexity is an economic growth killer we could reverse if we put our minds to it. I wholeheartedly agree. In my ideal tax world, with the tax law and
Simpler tax laws and administration would help all of us, including the CRA Read More »
Anna Helhoski writes for NerdWallet. Email: [email protected]. Twitter: @AnnaHelhoski. Rick VanderKnyff writes for NerdWallet. Email: [email protected]. The article The U.S. Government Has Shut Down — What Now? originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/government-shuts-down-2025 #financialliteracy #financialfreedom #finance #financialindependence #personalfinance #money #financialeducation #investing #financialplanning #entrepreneur #debtfree #wealth #creditrepair #budgeting #investment #debtfreecommunity #credit #financialadvisor #creditscore #financetips #financialgoals #realestate #debtfreejourney
The U.S. Government Has Shut Down — What Now? Read More »
Saving money for the unexpected is one of the smartest financial moves you can make. But when you hear people talk about an emergency fund and a rainy day fund, it is easy to wonder… The post Emergency Fund vs. Rainy Day Fund: What’s the Difference? appeared first on Crediful. https://www.crediful.com/emergency-fund-vs-rainy-day-fund/ #financialfreedom #money #entrepreneur #business
Emergency Fund vs. Rainy Day Fund: What’s the Difference? Read More »
The share of seniors aged 65 and older has steadily increased over the past 20 years, rising from 13 per cent in 2005 to about 19 per cent in 2025. Statistics Canada modelling suggests that it could be as high as 32 per cent of the population in 50 years. This has some people wondering
Will CPP and Old Age Security last as Canada’s seniors population grows? Read More »
Q. I’m 72 years old and doing some estate planning and I’m looking for ways to reduce taxes on the estate I leave my four children. I have topped up my tax-free savings account (TFSA) already. I’m at the stage where I have to make yearly registered retirement income fund (RRIF) withdrawals which elevate my
How can I reduce taxes on my estate so my children inherit more? Read More »
The disability tax credit (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 is $1,521 but add the provincial tax savings and the combined annual value can be up to $3,243, depending on the value of the provincial
Court upholds CRA’s denial of taxpayer’s disability credit for sleep apnea Read More »
Do we need to take out a reverse mortgage to make sure our money outlasts us? That is the question married couple Grace,* 76, and Joe, 75, are trying to answer. Based in British Columbia , they are comfortably retired but concerned about the increasing cost of living . They attended an information session about
Do we need to take out a reverse mortgage to ensure our money outlasts us? Read More »
Marriage is a social and economic union. When a marriage ends, the financial consequences can be just as far-reaching as the emotional ones. People who are considering or concerned about a split may not know what this means for them long-term. No-fault divorce Canada’s Divorce Act does not consider the reason for a divorce .
When love goes sour and ends in divorce, who gets the RRSPs? Read More »
Kimberly Palmer writes for NerdWallet. Email: [email protected]. Twitter: @kimberlypalmer. The article What’s the Best Way to Recover From a Scam? originally appeared on NerdWallet. https://www.nerdwallet.com/article/finance/best-way-to-recover-from-scam #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
What’s the Best Way to Recover From a Scam? Read More »