Index vs. Smart Beta

Index vs. Smart Beta 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 17, 2025

Travel Insurance from Credit Cards

Travel Insurance from Credit Cards 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 15, 2025

Banking Saving

Banking Joint Accounts

Banking Joint Accounts 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 15, 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

Personal Finance

Canadian Tuition Tax Credit (CTTC) Explained

The Canadian Tuition Tax Credit (CTTC) is a tax credit available to Canadian residents who have paid tuition fees for post-secondary education. This credit can help alleviate the financial burden of tuition for students and their families, and it is an important aspect of the Canadian tax system for those pursuing higher education. Who Can…

ByJohn WilsonJanuary 28, 2023

Personal Finance

Ontario Student Assistance Program (OSAP) Explained

As a financially savvy Canadian, you may be aware of the various government-funded assistance programs available to students. These programs help students who can’t live off their student job in Canada. The Ontario Student Assistance Program (OSAP) is a valuable resource for those looking to further their education without incurring an overwhelming amount of debt.…

ByJohn WilsonJanuary 27, 2023

man jumping over a stack of money he got from a tax credit

Resources

Canada Training Credit Limit Amount

As a Canadian, there's no denying that we have a lot to be proud of when it comes to our country's world-class education system. From the coveted degrees offered at our top universities, to the comprehensive training programs available to workers in a variety of fields, Canada truly has something for everyone when it comes…

ByJohn WilsonJanuary 17, 2023