Using a HELOC Responsibly

Using a HELOC Responsibly sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 14, 2025

Saving

ETF Distributions 101

ETF Distributions 101 sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost, not…

ByJohn WilsonAugust 14, 2025

Saving

GIC Ladders

GIC Ladders sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost, not teaser…

ByJohn WilsonAugust 14, 2025

Banking Saving

Building an Emergency Fund

Building an Emergency Fund sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total cost,…

ByJohn WilsonAugust 13, 2025

Banking Saving

Intro Offers vs. Ongoing Value

Intro Offers vs. Ongoing Value sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through marketing. Focus on total…

ByJohn WilsonAugust 13, 2025

Banking Saving

How Credit Card Grace Periods Actually Work in Canada

How Credit Card Grace Periods Actually Work in Canada sounds simple until the fine print, tax rules, and bank policies collide. We explain how it works in Canada today, what to watch for at the big banks and direct players, and the practical steps that move real dollars without adding complexity. Key points Cut through…

ByJohn WilsonAugust 13, 2025

Mortgage

Fixed‑Rate Mortgage Prepayment Penalties in Canada: 3‑Months’ Interest vs. IRD

This in-depth guide explains the topic in plain language for Canadians, with concrete steps, decisions, and examples you can apply today. It focuses on clarity, accuracy, and the smallest set of actions that produce the biggest impact. What it is We start with a concise definition and the context that matters, including how banks, credit…

ByJohn WilsonAugust 12, 2025

someone paying with klarna on their iphone

Banking Budgeting Credit Cards Personal Finance

Klarna Canada Review

Klarna is a Swedish company that offers financial services, specifically buy now pay later financing. Klarna is available in 14 countries, including Canada. Buy now pay later is a type of financing that allows consumers to purchase items and take up to 12 months to pay for them, with no interest or fees. There are…

ByJohn WilsonDecember 5, 2022