![]() Modified: 10-02-2022 ~ Backup ~ 5 Minutes Reading For the ultimate in cheap investing, check out the Freedom.2023 Globe and Mail ETF buyer's guide part one: Canadian equity ETFs.□ Investing: Canada's top digital broker is TD Direct Investing, with an assist from the TD Easy Trade app.Borrowers and savers, here’s how to time the eventual rollback of interest rates.Our other real-estate problem – people have too much wealth tied up in houses.Property taxes are popping in some cities – how worried should you be about other tax hikes?.The good, the sad and the unaffordable: Saving for a home down payment in Canada’s big cities.Get your head straight about the reality of home ownership ✔️ The housing file: A house isn’t special.Is the middle class dead for millennials and Gen Z?.Recession-beating tips for the job market, housing, investing and the cost of life.Retirement might look different for Gen Z and millennials.You’re not bad at money – you’re suffering from money shame.Love in the time of inflation: How to manage rising costs when dating.Why more Canadians are choosing to be child-free or delay parenthood.Rising interest rates brought pain for new homeowners – and opportunity for house hunters. ![]() □ Catch up on Stress Test: Why millennials and Gen Z are Alberta-bound for a more affordable life.Millennial readers, join our Gen Y Money Facebook group. For more money stories, follow me on Instagram and Twitter, and join the discussion on my Facebook page. Subscribe to Stress Test on Apple podcasts or Spotify. Why dividend growth investors may want to pass on ETFs.CIBC walks back mishandled letter to clients holding GICs.Does owning a home give you a retirement advantage over lifetime renters?.The cost of being late for a meeting is bigger than you think. ![]() He’s American, but a lot of what he says is of wide interest. investing website as the top online influencer on investing and personal finance. The song was a 1967 hit for the Four Tops, but originally recorded by a band called The Left Banke. The court found that the investor should have been better informed about developments with the shares he owned.Ī calculator for comparing the cost of a vehicle loan versus a lease.Ĭheck out this cover of Walk Away Renee by folkie Jimmy LaFave. A DIY investing cautionary storyĪll about a court ruling against a DIY investor who unsuccessfully sued his online broker after selling more shares than he actually owned in his account. The first instalment highlights a hotel points program that offers strong value. The other 10 per cent for is for business- or first-class flights and top hotels. RewardsCanada has started a new Everyday Value series looking at how to use travel rewards for economy class flights, lower- to mid-level hotels, cashback and merchandise, which account for 90 per cent of points redemptions. Almost two thirds of tax filers are getting a refund this year. Rob’s personal finance reading list Do this with your tax refundįive good reasons to use your tax refund to pay down debt. Credit unions seem to get it on children’s accounts, at least more than banks do.Īre you reading this newsletter on the web or did someone forward the e-mail version to you? If so, you can sign up for Carrick on Money here. Two other names that came up a few times: Meridian Credit Union in Ontario and Steinbach Credit Union in Manitoba. Desjardins is a Quebec-based credit union that operates nationally. Readers also singled out Tangerine, which pays 1.1 per cent interest, and Desjardins, which offers a $10-a-year lump sum Youth Dividend to members aged 5 to 17 who meet eligibility criteria and make seven or more deposits to their account in a year. “Imagine – more money to print and send than a penny is worth.”Ī children’s account that looked reasonable to me was the one offered by the online bank Tangerine. “For a while, we got statements in the mail,” the mom whose son owns this account said in an e-mail. What I can tell you is that the Leo account shown above generated 12 cents in interest for all of last year, even as rates pusher higher and higher. Has RBC upped the interest rate? I spent some time mining the RBC website for details on how much interest the Leo account pays and came up empty. This statement is from 2022, when interest rates were lower than they are now.
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