My personal finance a-ha moments

I spend a lot of time using My Own Advisor to share what’s working with our financial plan and how incremental money management changes are moving us towards financial independence.  I’ve also shared some money management mistakes on this site. …
Mortgage Tips for Homeowners of All Ages

If you’ve applied for a mortgage or renewed your mortgage you already know these processes can be stressful, time consuming, daunting and fraught with lots of questions.  No doubt questions like:  “Did I think of everything?”, “Am I getting the…
October 2014 Dividend Income Update

Canadians have been urged to save more for retirement.  There are some good reasons for that.  On average we’re living longer and that longevity risk has the potential to derail our financial plans.  There are also other risks that need…
Retirement Perspectives

I’m not near “retirement age” yet but I think about it often.  I suppose for individuals in their 50s and 60s, they are forced to think about retirement and how to fund it more often than they care to admit. …
Cash Wedge and Opening the Investment Taps

Cash Wedge and Opening the Investment Taps The way I see it, most retirees will need to withdraw capital from their investment portfolios and take advantage of government programs like the Canada Pension Plan (CPP) and Old Age Security (OAS)…