Should Mark invest his tax refund or put it to his mortgage?

Q. I’m confused as to what to do with my tax refund—pay off the mortgage, or contribute to an RRSP or TFSA. I’m 39 years old, and in 2018 I expect to earn about $200,000 in Alberta, so my tax bracket is high. I’ll probably earn about $125,000 to $150,000 in 2019. I have a…

Free Aperol Spritz

Mmmm, fancy a nice April Spritz? It’s the perfect drink this time of year, in fact it’s the perfect drink at any time of year. Even better, you can get one for free from any Browns Bar! All you have to do to get yours is to book a table for when you want to…

Free Gucci Bloom

Capturing the spirit of the contemporary, diverse and authentic women of Gucci, Bloom is creative director Alessandro Michele’s first fragrance for the House. Envisioned as a thriving garden of flowers, Bloom is created to unfold like its name. Notes of natural tuberose and Jasmine leave an unexpectedly rich white floral scent on the skin. Rangoon…

Free Flight to New York

To help the nation get into the festive spirit of giving, Virgin Atlantic is giving away the ultimate gift this Christmas, by offering the chance to earn up to 25,000 Flying Club miles. That’s enough for a round trip to New York! Families in the UK spend an average of £2,200 per month, and an…

Deal of the Week: Silver Knot Mesh Bangle Bracelet 60p

This stunning piece of jewellery is sold on amazon for 60p + FREE delivery. It’s a gorgeous and cheap accessory, perfect as a last minute Christmas present. At that price, you simply cannot go wrong. Description Ideal Gift For Any Woman, Fits most wrists. Sterling Silver 925 Plated Perfect for Birthdays, Bridesmaids, Christmas, Valentines Designer…

Can you transfer your full pension into an RRSP?

Q: I would like to know if you can transfer all your pension funds into an RRSP upon retirement, without losing any of it? —Margaret A: You may be able to transfer some or all of your pension to a Registered Retirement Savings Plan (RRSP) upon retiring, Margaret. If it’s a Defined Contribution (DC) pension…

Can we gift cash or property to our kids tax-free?

Q. Can we gift cash to our children tax-free? What is the limit on this? And secondly, can we gift property (our home and an investment condo) to our children tax-free? Please let us know. — Ray and Sabina A: Hi Ray and Sabina. The good news is you can gift cash to your children with…

Win 1 of 5 Cocktail Shaker Bundles

This week we’re giving you the chance to win 1 of 5 Cocktail Shaker Bundles.   Prize Funkin Cocktails exist to shake up the ordinary, making great tasting cocktails available to all. Simply add spirit and ice and make it shake to create four delicious cocktails. Available in a range of classic flavours including Mojito, Pina Colada and Espresso Martini-  https://www.funkincocktails.co.uk/mixed-cocktail-bundle-party-pack/…

Everything you need to know about inverted yields

There’s no shortage of odd-sounding terms in the investment industry—smart-beta anyone?—but one of the more confusing ones has found its way back into regular conversation after a 13-year hiatus. Say hello to the dreaded inverted yield curve, something many people are pointing at for last week’s market losses. When people think of yields, they think…

Planes, trains and automobiles – Critical winter travel advice!

Now that the dark nights have taken hold and the cold has arrived, travel conditions have become more difficult to handle which is why we have compiled our best advice for getting on the move this winter, however you do it. The most important aspect of winter travel, is ensuring your safety as well as…

Canadian stocks look cheap, and 4 other chart insights for 2019

For the fifth year in a row Maclean’s asked dozens of economists, analysts and money managers to each pick a chart they believe will be important in the year ahead, and to explain why. You can see the full collection of important charts for 2019 here. We’ve selected five charts of particular importance to investors, about stock…