On $50,000 in annual earnings.
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Housing is Canadians' biggest asset and biggest debt.
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"Housing affordability has become a serious problem in our major cities."
When it comes to debt, what goes up must be paid down.
The Canadian Press/Nathan Denette
A good side hustle is a solid way to save money.
A "technical error" has left Atalah Haun with no rewards points and a big charge on his credit card.
“It’s clear that people are nowhere near prepared for a higher rate environment."
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Money talks. But how should couples talk about money?
It may be that Liberal cabinet members didn't notice this change at Canada Revenue.
Taxes are freelancers' kryptonite.
There are some things I would love to go back and tell my younger self.
Some employers may look at your credit score when applying for certain jobs.
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Those with the least saved are the most stoked about house price growth.
A commodity boom out west and struggling factories in central Canada changed how, and where, Canadians earn money.
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If you're getting offers for people with damaged credit, you may be in trouble.
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This is pretty big: graduating high school! It's a major accomplishment. Now, for the first time, you get to decide what your next steps will be. College? University? Both are exciting options, but there is one important question you need to answer.
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Self-employed Canadians, you are truly a (work) force to be reckoned with and, as such, should also be reminded that your tax return deadline is just around the corner, on June 15th. That means that if you carried on a business in 2016, you should file by that date to avoid a late-filing penalty.
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The first 100 days in a new country are often the most important. Getting acclimatized to your new surroundings, meeting new neighbours, and getting a better sense for how everything from health care to grocery shopping is done in your new home would enable an easier transition.
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Interest charges are part and parcel of using a credit card. For the privilege of fronting you cash, lenders tack on interest to the amount borrowed. Credit card interest is calculated daily, charged monthly, at a yearly rate -- typically 19.99% for most rewards credit cards in Canada.
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There have been government committees, discussions with the private sector and even a national strategy to teach Canadians basic personal finance. But when Statistics Canada data showed late last year that Canada's household debt is now larger than its GDP, it became painfully apparent that we're failing.
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As the end of April approaches, many of you have filed your taxes and experienced that moment of truth waiting for the system to calculate whether or not you'd get a refund. According to a recent TD survey, more than half of Canadians are expecting to receive a tax refund this year.
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The Ontario government just announced a pilot project to test a basic income for low-income earners in Hamilton, Brantford, Lindsay and Thunder Bay. Will the program be successful? I have no idea. The answer will, in large part, depend on what will be measured.
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The time and money spent on a long commute should give pause for thought.
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One of the short-term motivations to contribute to an RRSP is to lower your annual income tax. With a Fonds de solidarité FTQ RRSP, you get even more savings. What is not to like about that? For exam...
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Finance Minister Bill Morneau says a basic income is not something the federal government is looking at.
The Liberal Government has stated they want to build a strong middle class, but who comprises the middle class? Mr. Morneau in his 2017 budget speech stated, "All Canadians must pay their fair share of taxes," but what is a "fair share"? Let's do the math and find out.
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We've all been there: an email arrives in your inbox promising you thousands (if not millions!) of dollars' worth of prize money. You can't remember entering any contests, but oh well. There's just on...
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Over the last few weeks, there has been much press about how the banks have been accused of "upselling" clients and pressuring staff to market financial products to customers that they do not need. High-pressure sales tactics are not always that apparent. When one thinks of high-pressure sales tactics, it usually involves someone in your face trying to convince you to buy something you probably don't want. It is often a very uncomfortable situation, and all you can think about is trying to get away.
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Most business owners will agree that an employee benefit package is one of the best ways to attract and retain top talent. It not only instills an employee's trust in the company, it’s often an import...
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Speculation in Toronto real estate is "a sign of a market bubble,” Realosophy says.
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As a personal finance expert I know how important security is. You can spend years saving wisely, only to be duped by a savvy fraudster. Read about all of that in the Little Book of Scams provided by the government of Canada. It outlines all the latest ways fraudsters are trying to get their hands on your information.
Taxes can be complex and most people don't want to deal with them. But unlike some tax pros that try to imply that you need a super-computer to prepare your return correctly, many people have straightforward returns that can easily be prepared yourself using a free or affordable tax software program.