It is a common perception that Canada has one of the highest wireless fees in the world. As a result, wireless penetration rate in Canada is only 62%, which is one of lowest in developed countries. Contrary to this common perception, Canadians enjoy one of the lowest wireless fees in the world through wireless retention [...]
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As I discussed previously on a post about our Canon 200sx camera, our only camera up until about a year ago was an aging Canon PowerShot – a great camera in the day but now it was very slow and took very average shots unless the lighting was really good. Three years ago, our first [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Over the weekend I watched, and enjoyed, “Sunshine Cleaning“. It’s a new movie by the producers of “Little Miss Sunshine” (and also staring Alan Arkin, the heroin snorting grandfather from “Little Miss”). It touches on a number of personal finances issues, such as entrepreneurship, career satisfaction and the impact of money within a family. Like [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Welcome to the August 28, 2009 Edition #104 of the Carnival of Financial Planning. The Carnival of Financial Planning takes a long-term view of personal financial planning for individuals and families. We focus on efficient and sustainable personal financial planning practices that can lead to lifetime financial security. This edition is arranged by subject heading, [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Light Usage 7-Eleven SpeakOut Wireless is one of the best pay as you go deals available in Canada. You pay $100 + tax and it is 20 cents a minute and 4 cents a text message incoming and outgoing. The airtime expires in 365 days. Here is the catch: they charge you 79 cent a [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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I’m a big fan of inline skating – or “roller blading” as I like to call it. I got my first pair of skates which were the original Rollerblades back in the mid-80s. Rollerblade was the original inline skate company and I had to order them from somewhere in Quebec. It wasn’t until probably the [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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During tough economic times, you might hope that scammers would lay low. Since people are having hard times, they might have a more suspicious attitude (and scammers would do something worthwhile with their time). Sadly, the scam artists are hurting just like the rest of us and hustling to take advantage of the desperation of [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Everyone loves a nice vacation – whether it involves driving a short distance to visit family for a couple of days or flying to the other side of the globe to go snowboarding. The big problem with vacations however is the cost – most of us have budgets that are limited in some way and [...]
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Some time ago Mike’s post on the Toronto Garbage Strike struke a cord with readers and generated 85 comments. A large amount of the discussion focused on unions (from a philosophical perspective more than that specific union or strike). One comment that had a particularly interesting part to it (from semi-frequent commenter Brendan) focused on [...]
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As I mentioned recently, I got my 1% rebate from RBC and want to come crawling back transfer my money back to my favorite broker – Questrade. There is one huge reason why I’m such a fan of Questrade and that is money – their $5 trades are the cheapest in the business and that [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Manulife Financial cut its dividend by a whopping 50%. They still made $1.8 billion in Q2 so if anything it’s probably a good buy since the stock dipped 15% today. The company hasn’t done a good job managing the risk of its variable-annuity products over the last few years so this move was made to [...]
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Please note that this post is very Toronto-centric, very rant-like and also contains a fair bit of fantasy. Your challenge will be to determine what is truth and what is fiction. I read in the Star today that apparently one of the negotiated items in the City of Toronto outside workers strike (aka “The Garbage [...]
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Well, the garbage (and others) strike is over here in Toronto – I have to say that I thought Miller caved in the end. My only question is – couldn’t he have gotten this crappy deal a lot sooner? Most Torontonians weren’t inconvenienced by the strike very much but a lot of businesses were as [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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This post ventures into legal and philosophical territory that is far beyond my areas of expertise. If I get something grossly wrong, please correct me in the comments (and any readers, please be careful if you use any of this information, it’s even more questionable than my posts usually are). I’ve often found the notion [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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A common financial strategy for someone who is trying to pay off their debts is to allocate some of their savings into a different account which might be used for some sort of fun. The idea is that while you want to focus on paying off debts – ie have some gazelle intensity, you should [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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I recently picked up a new digital (what else?) point and shoot camera. I’ve been the happy owner of a Canon Digital Elph from 2002 (2.1 megapixels) but in the last few years it started to fade. The battery doesn’t work as well and the speed of the shots, particularly inside photos was very slow [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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Part of most job interviews is where they ask you about your current salary or salary history. This is obviously valuable information for the other side of the negotiation to know, as it tells them exactly what amount of money you were willing to work for. At it’s core, while useful for them to know, [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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[Edit from Mike: Please note this post has no affiliate links and no compensation was received for this post from MNBA or anyone else - Henry just really likes the card] I was pleasantly surprised when I first read about MBNA Smart Cash Credit Card on redflagdeals.com. 3% cashback on groceries and gas up to [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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I’ve written about begging before. As long term readers can probably guess, I’m fairly opposed to it (heck, I’ll even tell people off for begging in “World of Warcraft”). Aggressive panhandlers are one thing, but at least their actions are usually motivated by a personal and immediate need. Others have actually chosen begging as a [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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I received notice in the mail recently that the RBC 1% rebate has been paid out in all our 4 accounts that I moved their last year to take advantage of their 1% rebate deal. Basically the offer was that if you transferred any money from other brokerages to RBC they would pay you 1% [...]
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The RESP Book: The Simple Guide to Registered Education Savings Plans
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