Recent Articles

Asset or a Liability?

Do you have a separate recreational property or a rental property? If so this may apply to you:   Some years ago, Roy and Mary bought a cottage at the lake in their home province for about $50,000 and today it is worth about $750,000. Over the years, they have …

TFSA Designations Matter

The method that you use to name a successor, owner or beneficiary of a TFSA makes a big difference to your estate, not only for a TFSA to maintain its tax-exempt status but also to ensure that the assets are distributed to the intended recipients.   You can name your …

Spring Time!

We’ve had some beautiful weather to welcome in April this year and are excited to welcome in the Spring. Other than Income Tax due on April 30th, it’s a wonderful time of year! We’ve made good use of our porches already and have got the BBQ out a little too. …

Marc and Lorna just bought a house and, like most home buyers, they needed a mortgage. During the financing process, they were offered mortgage insurance by the lender. They wanted to know more before taking the coverage.   Do we control the policy? Because the coverage is usually a group …

While the Bank of Canada publicly muses about adopting negative interest rates on Government Bonds as a policy tool to stimulate economic growth, the Bank of Japan recently cut its benchmark interest rate below zero, joining several others including the European Central Bank in the negative interest rate club. According …

Upcoming Tax Season

With the RRSP Deadline now a couple weeks behind us, it’s time to focus on the upcoming Tax Season. The “T” slips for any Non-Registered Investments should be arriving soon if they haven’t already. You should have got all of your RRSP Contribution Receipts which will be very important for …

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