After the cloudy days of preparing and filing your tax return, many Canadians look forward to the silver lining of a tax refund. Last year I wrote about The Problem with Tax Refunds, arguing that rather than a benefit, refunds represent an interest-free loan to...
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My dad’s birthday was September 2. He died a little over four years ago just short of age 89. Thanks to his thoughtful approach to financial matters and the careful executorship of my brother, Rob, we four siblings received our inheritances in a timely manner. What...
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An Introduction to Estate Planning – Part 4 I read about a well-off senior couple who had four children. They decided to “adopt a fifth child” for estate planning purposes. This meant that, in their will, instead of distributing their assets four ways equally among their...
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An Introduction to Retirement Planning – Part 4 Planning for retirement is not just about money. I think you could reasonably argue that money is almost the last thing to be considered. It is the tool that makes your plans for retirement executable. Mind you, it...
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An Introduction to Tax Planning – Part 5 The numbers of people who are applying for Employment Insurance (EI) and the Canada Emergency Response Benefit (CERB) and other supports that the government has rolled out in recent weeks are just staggering. Perhaps, like me, the figures...
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The More You Know About Cash Flow the More Empowered You Become What is Cash Flow? “Anyone who lives within their means suffers from a lack of imagination.” – Oscar Wilde Oscar Wilde may very well be the best exemplar of what to avoid in terms of personal...
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