Tim Paziuk

Reduce the Forced RRIF Minimum Withdrawal

If the government doesn't like the idea of removing withdrawal minimums, they should at least peg minimum RRIF withdrawals to current government bond yields. Forcing someone at age 72 to take out 7.48 per cent when they're only earning 2.5 per cent is simply not fair.
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Don't Invest in Worries

If you're an average Canadian, you probably own a principal residence and have a few dollars invested or saved somewhere. If you have money invested in stocks, bonds or real estate, you may be concerned about losing your money. This is a reasonable thought; although, depending on what you're invested in, your concern (read: worry) is probably a waste of time.
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How to Think About Taxes

Unlike the average Canadian, I consider myself a tax nerd. It's front and centre in my thoughts for most of my waking hours. Now you might find that boring and weird, but it's people like me who are trying to help people like you. Here's a simple example of how my brain thinks about taxes.
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Are You a Zombie Investor?

Whenever I think about zombies, my mind immediately creates a picture of a group of blank face dead people walking around with no thoughts of their own. When you make an investment decision, are you basing that decision on facts gathered through a due-diligence process? Or are you mindlessly following the crowd?

Forced Selling: An Offer You Can't Refuse?

Many people are unaware that "coercive tied selling" is illegal in Canada. According to the Financial Consumer Agency of Canada, "This means that banks are not allowed to unduly pressure or coerce you into a product or service from their affiliates as a condition for obtaining another product or service from them."

Where Are Your Children Going to Go?

Where are your children going to go? I hope that everyone who has children has taken the time to get a will. If you do have a will I hope you've made arrangements for someone to be the guardian of yo...