Personal Finance

Join a Co-Op and Bulk Up for Cheap!

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Grocery prices got you down? Organic foods seem out of your budget? Join a co-op and buy your natural foods in bulk. Order ahead and...




  • This property in Ottawa is an example of one that was recently closed and will be used for a rent to own. (Innovalty Investments)

    Rent-to-Own as a Successful Real Estate Investment Strategy

    A popular type of real estate investment strategy is what is known as “rent-to-own” investing, or “lease option” investing. I will use the term “rent-to-own”... Read more

  • Investment properties in the U.S. can create additional tax filing requirements for Canadians depending on how the property is used. (Fotolia)

    Considerations for Canadians on Owning US Real Estate

    More and more Canadians are purchasing U.S. real estate for personal and/or rental use. It’s important to understand how different ownership options lead to different... Read more

  • Vacation homes can create difficult tax considerations when transferring to children or grandchildren. (AP Photo/Nick Ut)

    The 3 Hidden Financial Traps of Cottage Ownership

    If you already have a cottage in the family, there may be looming ownership, tax, and estate-planning problems if you’re thinking of selling or transferring... Read more

  • (Shutterstock*)

    Exploring the Nascent Future of Bitcoin (Videos)

    In terms of a life-cycle of technology, it is easy to see Bitcoin as being at the same developmental stage as babies going through the... Read more

  • Aerial view of Manhattan looking south over Central Park on July 1, 2007, in New York City. (Stan Honda/AFP/Getty Images)

    Selling Real Estate With Gadgets

    The real estate industry has long been a word-of-mouth driven hub of activity where brokers guarded all the information. The power of a referral is... Read more

  • Depending on the degree of distress, a home’s fix-up costs can be elevated, requiring additional skill in managing the renovations. (AP photo/Jim Mone)

    Estimating Costs Critical in Buy, Fix, and Flip Real Estate Investing

    In my last article, I talked about the two most popular real estate investment strategies. Last time we covered buy, rent, and hold; this article... Read more

  • Condos in Toronto are commonly bought and rented out as part of a popular real estate investment strategy. (The Canadian Press/Pawel Dwulit)

    Preparing for Your First Real Estate Investment

    Most people have heard of real estate investing as a profitable investment strategy, especially these days with the current state of the stock market. People... Read more

  • Three Ways To Cut Investment Costs

    Do fees matter? Of course they do!  It wasn’t always that way. When market performance is strong overall, fees don’t seem to matter (when your... Read more

  • Do You Really Need Mortgage Insurance?

    You’ve bought a new house, and you’re sitting with the bank’s loans officer ready to sign for that mortgage. Then she casually asks, “Would you... Read more

  • Low-rate mortgages may look good in the short run but owning a home is a long-term proposition. (Epoch Times)

    Investors Group Mortgage Deal Comes With Strings Attached

    If you’ve been shopping around for a mortgage, you’ve probably heard about Investors Group’s offering of a variable-rate mortgage for 1.99 percent for a three-year... Read more

  • best state for retirement

    Which Is the Best Retirement State?

    Florida and Arizona may be home to some of the country’s most popular retirement spots, but South Dakota is the best state for retirees. Bankrate.com... Read more

  • How Much to Save, What to Invest in for Retirement

    As the editor and publisher of Dave Paterson’s Top Funds Report, I get many investment-related questions. But there are two questions readers ask most often:... Read more

  • Stock traders work on the floor of the New York Stock Exchange on Oct. 1, 2013, in New York City. The new heights reached by stock markets in the U.S. in recent months have been tempting investors to use leverage to participate. (Spencer Platt/Getty Images)

    Understanding the Risks of Leverage

    Should you borrow to invest? Looking to add to their investment in a hot, new stock, or to get in on the latest investment fad,... Read more

  • Best money apps for budgeting (aol, Screenshot)

    Best Money Apps for Budgeting

    Managing your budget can get pretty tricky but these mobile apps will help you stay on top of your bills and spending habits.  …... Read more

  • An accountant prepares a client’s tax return. If you have an amount due, it must be paid by May 5 this year, rather than the normal April 30 deadline, in order to avoid interest. (Justin Sullivan/Getty Images)

    Tax Tips for Canadian Taxpayers

    With the extended tax-filing deadline of May 5 rapidly approaching, you still have time to make sure you’re taking advantage of every single tax break... Read more

  • Using the Home Buyers’ Plan to can be an effective way to tap into an existing RRSP for a home purchase. (Samira Bouaou/Epoch Times)

    How to Tap Into Your RRSP to Buy a House

    There’s a cardinal rule for making RRSP withdrawals before maturity: Don’t!  The tax hit on withdrawals has always been a huge obstacle to using your... Read more


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