As the 28th annual United Nations Climate Change Conference (COP28) came to a close in December 2023, I began to think of ways – that we as individuals – could make a difference. One question many clients have asked...
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Environmental responsibility is becoming increasingly important to the majority of Canadians. Many of us are realizing the importance of implementing net-zero policies. These policies aim to balance the amount of greenhouse gases being produced and the amount being removed...
On January 1, 2020 changes to Ontario Health Insurance Plan (OHIP) came into effect. This means that OHIP will no longer cover out-of-country inpatient services up to $400 per day for hospital service such as intensive care, as well...
The New Year is a great time for implementing resolutions that relate to your physical, mental and financial health. Below are some things you should be thinking about in January: Contributing to your TFSA The aggregate total for an...
Many of us have started our holiday shopping. According to a survey done on behalf of The Retail Council of Canada, Canadians plan to spend about $675 during this season. In fact, the average holiday spending estimate in Ontario...
Canadians often follow a similar school of thought when it comes to financial planning – spend as little as possible and save the rest. Along with this mindset comes the associated guilt when we decide to spend on ourselves....
In a 2018 survey, the Bank of America found that 1 in 6 millennials have $100,000 or more in savings. As impressive as this is, the survey also found that others had nothing saved at all. The...
As the deadline to submit our individual tax returns approaches, it may be a good time to look deeper into our financial security. Several studies assessing the economic climate in Canada indicate that many continue to struggle with high...
The new rules put in place by the Office of the Superintendent of Financial Institutions (OSFI) came into effect on January 1, 2018. Guideline B-20 – Residential Mortgage Underwriting Practices and Procedures applies to all federally regulated financial institutions. It...
Many of us are aware that where we live can influence our physical and mental health. There is strong evidence to suggest that a higher social and economic status is associated with greater overall health. In an effort to...