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Personal Finance

RRSP vs. TFSA for New Grads

RRSP vs. TFSA for New Grads: A Decision Framework touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn…

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Tangerine vs. EQ Bank

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Tangerine vs. EQ Bank: Which HISA Fits Daily Banking Best? touches everyday decisions Canadians make with their money. This guide explains the…

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Banking Joint Accounts

Banking Joint Accounts: Rights, Risks, and Record‑Keeping touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or…

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Pre‑Authorized Debits vs. Interac

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Pre‑Authorized Debits vs. Interac: Best Way to Pay Recurring Bills touches everyday decisions Canadians make with their money. This guide explains the…

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Using a HELOC Responsibly

Using a HELOC Responsibly: Rules to Avoid Debt Spiral touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn…

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ETF Distributions 101

ETF Distributions 101: Cash, DRIP, and Phantom Income touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on…

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GIC Ladders

GIC Ladders: Smoothing Rates Without Losing Liquidity touches everyday decisions Canadians make with their money. This guide explains the idea in plain language, highlights the trade‑offs, and gives you a simple path to action without jargon. The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or…

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Building an Emergency Fund

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Building an Emergency Fund: Where to Park the First $1,000 touches everyday decisions Canadians make with their money. This guide explains the…

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Intro Offers vs. Ongoing Value

The goal is to upgrade results without adding complexity. You’ll see when this matters, what to turn on or off at your bank or broker, and the small habits that compound over time. Intro Offers vs. Ongoing Value: Picking a Cashback Card That Lasts touches everyday decisions Canadians make with their money. This guide explains…

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