…your spouse’s age to calculate your minimum withdrawal amount If you have a spouse who is younger than you, you can use their age to calculate your minimum amount. This…
Here’s what we found on "How credit cards work and how to use credit "
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Privacy Policy
…consent or as permitted or required by law. Use of Personal Information. The OSC may use your personal information for the following purposes: to contact you to send information you have…
Work with a financial planner
…risk to meet your goals? Any money you earn and owe – do you earn a salary, rental income, business income? Do you have a mortgage, car loan, student loan, credit cards,…
What is an RRSP and how does it work
…about RRSPs and how they work. On this page you’ll find What is an RRSP? Why should you use an RRSP to save for retirement? How much can you contribute…
How to make a financial plan
…and investment statements, retirement savings and other pension papers. 2. Your debts – what you owe This includes student loans, mortgage, car loan, boat loan, credit cards and other bills. Your online banking may have…
Digital coin basics
…type of crypto asset (often called “cryptocurrencies”), and can be used in different ways. For example, some may be used as a way to purchase goods or conduct business online….
Mental accounting: How thinking about money affects the way you spend
…people feel different levels of ‘pain’ depending on the payment method. For example, you are more likely to overspend when you use a credit card instead of cash because cash…
Role of the executor
…and making a detailed inventory. Locating banks, trust companies or other financial institutions where the deceased may have had accounts or a safe deposit box. Cancelling credit cards. Writing to…
How to budget for charitable giving
…credit rate. As of 2023, you’ll receive: 15% federal tax credit for the first $200 of charitable donations. 29% federal tax credit for amounts over $200. Provincial tax credit. If you are…
Why should you work with a financial advisor?
…advisor may be right for you. Some investors choose to work with an investment advisor because they simply are not interested in managing their own investments. What are the different…