Strategies to Pay Down Your Debt

Let’s suppose you are a married couple, Jessica and Michael. Both of you are thirty years old. Big purchases, on which you owe money, include a house, a car for each of you, student loans, furniture for the house, which you have put on your...

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What is a Stock Split?

A couple of months ago, Apple and Tesla, split their stock. Apple did a four-for-one split and Tesla split its stock five-for-one. This made big news, but it is not always clear to the general public what this means.   What is a Forward Stock Split? A stock...

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What’s in a Title?

Regulating the Use of Financial Planner or Financial Advisor If someone were to tell you that they were a financial planner or a financial advisor, what would be your first thought? Mutual fund salesperson? Or perhaps, life insurance salesperson? Before I became involved in financial services...

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Sequence of Returns Risk

Coping with the Uncertainty of Investment Returns Imagine that you have been putting away $10,000 at the beginning of each year from 2002 until 2019. For the sake of this example, taxes and commissions are excluded; you have been investing that money into the Canadian stock...

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