4 monthly expenses you didn’t realise you’re paying too much for

Reading Time: 4 mins It would be great if we didn’t have to pay monthly bills but, unfortunately, there’s no way around it. But most people are probably overpaying on one or more of their bills. Gas and electricity are ones that people always review and they can usually cut their spending quite considerably, but…

ETF sales grow, but mutual funds still rule

Canada’s exchange-traded fund industry reached quite the milestone last week, with net sales surpassing mutual fund sales for the first time in our country’s history. According to Strategic Insights, in the first 11 months of 2018, ETFs brought in $18.7 billion compared to $7.8 billion for mutual funds. That’s good news for the growing number…

I’ve been laid off. What should my severance be?

Q. How are severance packages generally determined? I was just laid off from my job of 10 years and want to know what I and some of my co-workers are entitled to. Should all employees receive the same severance package and what are my options if I feel I deserve more? — Connie Brent A….

The magic numbers for your findependence nest egg revealed

The latest RBC retirement poll came out today and the one thing I like about it is that they put the emphasis on my preferred term of Financial Independence, as opposed to plain old full-stop Retirement. After all, just because you’ve accumulated enough wealth to stop working full-time for an employer doesn’t mean you should…

Two simple and cheap portfolios for responsible investors

When I started my Sustainable Economist blog in 2012, there were only a small handful of socially responsible and green Exchange Traded Funds (ETFs). With so few options available, it was challenging to create model portfolios that were properly diversified. My, how times have changed! It feels like new sustainability ETFs are coming out all…

Are EU up to date on how Brexit will impact your finances?

Reading Time: 3 mins The political uncertainty surrounding Brexit is showing no signs of letting up and, whilst it’s providing plenty of drama for the media, it may be leaving the average person feeling a little concerned, particularly when it comes to any potential ramifications for their personal finances. MoneyMagpie asked Jane Clack, a money…

Is cashing in RRSPs now to maximize OAS and GIS a good idea?

Q. Does it make sense to cash in RRSPs to maximize Old Age Security (OAS) and Guaranteed Income Supplement (GIS)? A serious cancer illness in 2008 took our finances “off the rails.” We had to start over. I’m 63 (Bob) and my wife Laura is 61 and we’re from New Brunswick. I have $135,000 in RRSPs…

The cost of childcare across the UK revealed

Reading Time: 2 mins As a parent, the cost of raising children can be one of the most stressful parts of the job, especially if you didn’t fully understand how much services and goods for children cost. What may come as more of a surprise, is that the cost of bringing up a child varies…

Free Authentic Skincare Face Cream

Reading Time: 1 min Authentic Skincare have a fabulous freebie for you all to try! Click “Claim Now” to contact them for your FREE sample of their new moisturiser. This lovely brand has been working hard to get the formula just right, and now they need your help to test it out and see how…

Get free food at luxury restaurants

Reading Time: 1 min Some of the top restaurants and chains in the country and across the world work with mystery dining companies. And if you sign up to be a mystery diner, you will get free food at all of these places. Sometimes you might even get paid! It’s easy to sign up and…