Ch…ch…changes …
When we retired, I thought we had an air tight income plan. After all, I had gave it quite a bit of thought (over-thought), and figured...
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A BLOG on Canadian DIY retirement planning, saving, and investing!
RETIREMENTCALM
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Feb 25 min
How insurance companies get your money….
I recently read a BLOG by a financial guy I follow, who pretty much nailed my opinion of insurance in Canada. Many Canadian blue-collared...
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Feb 25 min
Institutional vs Retail Investors; how far will the sky fall?
What is an institutional and a retail investor, and is this important? Institutional investors, in simple terms, are outfits that charge...
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Jan 257 min
How You Are Taxed Matters!
What are marginal and average tax rates, and how might you set up an income plan to get the best tax results? Well I’m no expert, but...
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Jan 196 min
FHSA vs TFSA vs RRSP vs RESP
It’s the time of year when Canadians are thinking about where they might put some money to work for them, as various...
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Jan 185 min
OMG!!! - Do people research their investments?
I look at the financial forums a bit, almost daily in fact. Initially I was looking to see if I could get any tips or insight into the...
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Jan 177 min
The only thing I know, is nobody knows (exactly) …..
Yesterday I sat in on an interesting one hour web presentation by a bank economist for their customers on the economy and inflation. It...
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Jan 165 min
Website Backstory and Disclaimer!
Back in early 2020 I started this retirement planning and financial BLOG on WIX called retirementcalm.com. When I started this website,...
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Jan 158 min
Where Is My Money Going & What Is It Doing?
When you invest in the stock market, whether you are buying shares in only one company or a diversified fund holding hundreds of shares,...
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Jan 147 min
Financial Health & Physical Health are Synonomous!
Wealth and health are synonomous. Wealth in the absence of health is going to be an undesirable detractor or derailer in your retirement...
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Jan 134 min
Learned Something New
So, in my last article I had mentioned that we have set up our registered retirement accounts (LIFs & RIFs) to pay tax all year. In, fact...
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Jan 413 min
A Change Is As Good As A Rest
It’s been very long while (again) since I published anything in here, even though I have a dozen or so outdated articles in draft dating...
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Jan 25, 20237 min
Recession; hard landing, soft landing, or neutral?
It’s been a long time since I’ve put my fingers to the keys on this website. I have my reasons. Firstly, as I mighta mentioned before, I...
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Jun 13, 20227 min
What’s been going on?
I haven’t written anything for awhile, for good reason. The wife and I just got back from a month long trip to the UK and Ireland, and it...
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Apr 9, 20227 min
The Ladder To Heaven
Earlier this year, I mentioned that my Mom (age 81) decided to make some big changes. She wanted to make important decisions now, to...
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Apr 7, 20224 min
Pigs With Lipstick
You know when the government increases taxes on corporations, they are really taxing you… right? You can put lipstick on this tax pig,...
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Mar 31, 20226 min
Another Word For Inflation
What is another word for inflation? Overspending! People spending too much causing demand shortages, production increases, overshoots on...
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Mar 22, 20229 min
Financial Groups, “we’re here to help?”
People who know me well know I harbour a tiny amount of animosity towards Financial Groups offering specialized, actively-managed,...
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Mar 15, 20225 min
Hey! .... Dip! .... Shit!?
Who has a crystal ball? Nobody! The 5-6% (if you're lucky?) drop in your portfolios in the last couple months is reminding everyone why...
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Mar 4, 20224 min
Mi Casa Es Su Casa
I had some misconceptions in my previous BLOG about disposing real estate in estate plans and had friends asking me questions after my...
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