…company borrows money a lot, it may need more money again in the future. What financial metrics can you use to evaluate companies? Whether you are working with an advisor…
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Preparing for financial emergencies
…your emergency fund be separate from the account you use for day-to-day transactions because it may also be too easy to withdraw money and spend it on non-emergencies. It’s a…
When to review your plan
…retirement lifestyle Early retirement years You may want to work less and pursue interests like travel, volunteer work or part-time work. Starting a new business Turning your retirement savings and…
How to know when it’s time to change your financial advisor
…why your current advisor relationship isn’t working out. Consider if this is something that you’ve been thinking about for a while, or due to something more sudden. For example, you…
8 questions to ask an advisor
…clients like me? How long have you worked with most of your clients? What results have you achieved for clients like me? May I contact a few clients you’ve worked…
Investing in the exempt market
…prospectus exemptions. The exempt market allows you to invest in prospectus exempt securities. Prospectus exemptions can help businesses because it lets them raise money without the time and expense of…
How fraudsters take advantage of behavioural biases to promote their scams
Every year, thousands of Canadians experience a financial fraud or scam. In fact, 2024 saw $638 million lost in frauds reported to the Canadian Anti-Fraud Centre. Fraudsters use clever tricks…
How to monitor mutual fund performance
…Facts This is a user-friendly guide that provides key information about your mutual fund including fees and performance. Beginning May 30, 2016, mutual fund companies are required to give investors…
Investing as we age
…use: nearly seven-in-ten (69%) women use a financial advisor, slightly more than the six-in-ten men who do (62%). Almost twice as many men as women currently use an online discount…
Long-haul scammers: Fraudsters who invest time to take your money
…go on for weeks or months before the topic of money comes up. The scammer could use what they know about the victim’s life — their financial dreams, hopes and…