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Financial independence and travel: Can you have both? Apr 24th
In February and early March, as is increasingly our custom, my wife Ruth and I spent five weeks in a sunny clime in order to avoid the tail end of Canada’s winter. On our return from Malta, regular guest blogger Devin Partida contributed a relevant article titled “Can you pursue financial indepe.... More »
Summer camp sticker shock is real—here’s how to stay on budget May 16th
By the time the end of the school year nears, many parents have already spent months planning where to stick their kids for the summer. “It really is January, February, when you have to start thinking about it,,” says Erin Bury, mom to a toddler and kindergartner in Wellington, Ont. “It’.... More »
The best GIC rates in Canada for 2026 May 4th
GIC comparison tool
Find the best and most up-to-date GIC rates in Canada using the comparison tool below. Plus, use the filters to assess your estimated rate of return based on the size of your balance.
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Do you need market-neutral ETFs in your portfolio? Apr 23rd
In August 2025, I wrote about a concept that started gaining traction among financial advisors: the 40-30-30 portfolio. This allocation emerged in the aftermath of the 2022 bear market, when rising inflation and aggressive interest-rate hikes caused both stocks and bonds to decline at the same .... More »
Tipping in tough times: How to tip without overspending
– moneysense.ca
With many Canadians facing greater financial constraints, sentiment around tipping culture is shifting. Over the past few years, customers have seen “suggested” tipping amounts rise, and with more people paying on debit and credit machines instead of cash, they are being asked to tip more often. Some say they are feeling annoyed at a time when they might be strapped for cash even before the bill arrives, but experts say there are ways to mitigate the issue.
Tipping pressure is rising—but you still have a choice
“People need to do a bit of soul checking,” said Stacy Yanchuk Oleksy, CEO of Money Mentors. “Just because someone asks for 30% on the machine, it doesn’t mean that’s what it warrants; it doesn’t mean that’s what you have to do. And I think we need to get around the culture of tipping, that it’s become this guilt-laden, ‘If you don’t tip, therefore somehow that says something about you,’” she said. “Sometimes it’s just, you can’t afford it, and that’s OK too…
