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  Can an app solve restaurant staff shortages?
SAIRA PEESKER  

Monday, July 16, 2018

Staffing a dishwasher position at a restaurant is tricky. It's hard work that isn't well paid and there are lots of jobs available, so workers have options if they're not happy. But it's also a key role in a restaurant and has to be filled by someone, so cooks often get pulled off the line to wash dishes, affecting the quality and preparation time of the food.
FULL STORY


Use caution when advisers cut their fees
ROB CARRICK  

Saturday, July 14, 2018

The problem with seeking the lowest-cost investment advice is that you may end up with the lowest-quality advice as well.Savvy investors generally work on the principle that paying less is unquestionably a good thing.
FULL STORY


Should we buy a rental property?
ROB CARRICK  

Saturday, July 14, 2018

The smartest real estate investors are waiting for a big pullback in prices to start buying.The second-smartest are the people who are tempted to buy in now, but want to speak to someone to get some advice first. This group includes a reader who recently came into some extra cash and is considering a rental property. ''We are unsure who to consult with on whether this is a good decision for us versus our current investments,'' she wrote. ''Any ideas on how to make the comparison?
FULL STORY


Taking stock: Retirees' portfolio needs work
DIANNE MALEY  

Saturday, July 14, 2018

Dora and Donald have entered a new phase of their financial lives and are feeling their way around, uncertain.''We are newly retired and need a level of comfort that our investments, RRSPs and defined-benefit pension plans will provide an adequate income flow without burning through our capital for 30 years,'' Dora writes in an email. She is 63; her husband, Donald, is 62.
FULL STORY


A rising-rate guide to mortgages, HELOCs, GICs, savings and more
ROB CARRICK  

Thursday, July 12, 2018

The era of fantastically low interest rates ended Wednesday.The Bank of Canada increased its influential overnight rate by just 0.25 per cent, but the cumulative increase in the past 12 months is a full percentage point. Rates are still low, but they're no longer a gift to borrowers and a saver's nightmare. Adjust your finances to this new reality by taking these five steps.
FULL STORY


In cooling housing market, time to revisit active saving
ROB CARRICK  

Wednesday, July 11, 2018

A hot housing market feels awesome if you own a home, but there are side effects.You spend more when your home is rising in value, and you put less money away as savings.
FULL STORY


CPPIB buys 39-per-cent stake in sports-data firm
JEFFREY JONES  

Tuesday, July 10, 2018

Canada Pension Plan Investment Board has acquired a 39-per-cent interest in Sportradar, a sports data provider that counts basketball legend Michael Jordan, Dallas Mavericks owner Mark Cuban and Ted Leonsis, owner of the Stanley Cup champion Washington Capitals, as investors.
FULL STORY


How seniors get second-class treatment at some online brokers
ROB CARRICK  

Saturday, July 07, 2018

What looks like a subtle form of ageism can be found in how some online brokers treat clients who are seniors.A strong majority of brokers have for years offered U.S.-dollar registered retirement savings plans, which are a must-have for investors who invest in stocks listed on U.S. exchanges. But a small subset of these brokerage firms haven't extended this feature to registered retirement income funds. RRSPs must be converted into RRIFs by the end of the year in which you turn 71.
FULL STORY


Work-related stress sharpens focus on exit plan
DIANNE MALEY  

Saturday, July 07, 2018

Marvin and Melody have done well, earning professional degrees, paying off the mortgage on their Toronto home and paying for their sons' university education. They've also managed to save a tidy sum.
FULL STORY


It's not your fault it's so hard to understand investing
ROB CARRICK  

Friday, July 06, 2018

If investment-industry websites were books, the reviews would be brutal.''The problem with the copy that we're reading and analyzing is that it is turgid, dense and complex,'' said Fergal McGovern, chief executive of VisibleThread, a company that offers tools to analyze how well corporate websites communicate.
FULL STORY


Enbridge sells gas assets to Brookfield for $4.3-billion
JEFF LEWIS, JACQUELINE NELSON  

Thursday, July 05, 2018

Enbridge Inc. is shedding its Canadian natural gas gathering and processing business in a $4.3-billion sale to Brookfield Infrastructure Partners LP (BIP) and other investors as the pipeline giant seeks to cut debt and fund growth.
FULL STORY


As Al Monaco shrinks his to-do list, Enbridge is starting to look like its old self
JEFFREY JONES  

Thursday, July 05, 2018

Al Monaco is nothing if not methodical.It was just a few months ago that Enbridge's chief executive officer was up against a daunting list of tasks aimed at counteracting worries that had enveloped the pipeline company, which had long been a bulwark against market uncertainty.
FULL STORY


It's time to stop trash-talking RESPs
ROB CARRICK  

Wednesday, July 04, 2018

The most underused saving vehicle in Canada is the registered education savings plan.I'm starting to wonder if one of the reasons is the disinformation being spread about RESPs. ''I keep reading that RESPs aren't all they are cracked up to be and we run the risk of losing this money if the kids don't go to college or university,'' a reader wrote recently. ''Are RESPs outdated? Is there a better way to save for them so the money will be available for [our grandchildren's] education?'' The answers to these questions, respectively, are no and no.
FULL STORY


Mortgage renewals just got more complicated
ROB CARRICK  

Wednesday, July 04, 2018

New accounting rules adopted by the banks mean they're paying closer attention than ever before to your financial situation and your home's value when you renew a mortgage.
FULL STORY


Five tips for weathering a market correction
ROB CARRICK  

Saturday, June 30, 2018

The well-built investment portfolio is always prepared for a stock-market correction. That's the point of diversification and continuing portfolio maintenance. You don't have to make adjustments on the fly because you're set for all market conditions. If you're worried about a stock-market correction and are unsure about how ready you are, check out these five suggestions: 1. REBALANCE Rebalancing means buying and selling parts of your portfolio to get back to the mix of stocks and bonds you set initially to meet your investing goals. Benchmark returns over the past 36 months for major stock and bond indexes highlight the need to rebalance.
FULL STORY


Surplus-funds strategy key to early retirement plans
DIANNE MALEY  

Saturday, June 30, 2018

For many Canadians, 55 seems to be the magic number - the ideal age to retire. So it is with Vicky and Norm.''My wife and I are both 44 years old and we both are currently working in Toronto,'' Norm writes in an e-mail. Vicky is a salaried professional, Norm holds a middle management position. Together they bring in about $280,000, not including Norm's bonus. They have a 12-year-old son whom they'd like to help through university.
FULL STORY


New report makes case for delaying CPP till 75
ROB CARRICK  

Friday, June 29, 2018

Canadian minds are never more closed than when asked to consider delaying the start of CPP retirement benefits.So a new paper from the C.D. Howe Institute about the benefits of extending maximum deferral of the Canada and Quebec pension plans to age 75 from 70 likely won't get the attention it deserves. Considered on merit, this paper's argument should grab the attention of the federal government and people planning their retirement.
FULL STORY


Did you get faked out by soaring bond yields?
ROB CARRICK  

Friday, June 29, 2018

May 17 was a big day in investing for the year so far.That's when high-rate hysteria peaked. The five-year Government of Canada bond yield hit 2.33 per cent, compared with 0.91 per cent a year earlier. Bonds and bond funds were in full retreat at this point, and utility stocks, long an investor favourite, were being pushed steadily lower.
FULL STORY


Is it safe to have all your money at one bank?
ROB CARRICK  

Thursday, June 28, 2018

One of the lingering effects of the global financial crisis is a wisp of worry about whether money sitting in bank and brokerage accounts is safe.I see it from time to time in reader questions such as this one: ''Is it safe to have all your monies in one financial institution if the funds are all covered by the Canada Deposit Insurance Corp.? I have close to seven figures invested with [one of the big banks] and its affiliates for simplicity. If I pass away, my widow will have less to deal with. All my eggs are in one CDIC-insured basket.''
FULL STORY


Put kids' education before home ownership
ROB CARRICK  

Wednesday, June 27, 2018

The best financial support that parents can offer their children is a fully paid university or college education, not a house down payment.This needs to be said following the recent release of some research by Royal Bank of Canada on the cost of a postsecondary education. Some quick highlights: University tuition cost increases have outpaced inflation since 1982, and it now takes 505 hours of work at today's average minimum wage to pay the average university tuition, compared with 293 hours of minimum wage work back in 1990. Half of new undergraduates finish their schooling with some level of student debt, and more than 20 per cent of grads with a bachelor degree start out with $25,000 or more in debt.
FULL STORY


DIY investors: Swallow your pride and check out these mutual funds
ROB CARRICK  

Tuesday, June 26, 2018

The strong anti-mutual fund bias of the DIY investor sometimes goes too far.People often come to do-ityourself investing after a frustrating experience with mutual funds that they felt underperformed and overcharged in fees.
FULL STORY


Fix to mutual fund rules falls short of expectations
ROB CARRICK  

Friday, June 22, 2018

The dream of creating a standard of transparent, client-focused service in the investment industry died Thursday.Regulators bailed on two reforms that would have made a huge difference for both investors and an investment industry that refuses to change a business model in which too many bad actors are allowed to prosper.
FULL STORY


ETF firms take mutual funds to school on fee competition
ROB CARRICK  

Thursday, June 21, 2018

The country's second-largest player in exchange-traded funds issued a news release recently to announce it was cutting the fee on one of its ETFs by 0.01 of a percentage point.
FULL STORY


How lenders encouraged Canadians to pay off debts
ROB CARRICK  

Wednesday, June 20, 2018

Oh, Canada. Can we talk about your debt load?The past several years have been a marathon of nagging you to get control of your debts for personal finance writers. Just in time, you are finally showing some progress. Keep it up, kid.
FULL STORY


What CPP reforms mean for seniors
BONNIE-JEANNE MacDONALD  

Wednesday, June 20, 2018

PhD FSA, researcher at the National Institute on Ageing at Ryerson University, a fellow of the Society of Actuaries, Associate of the Canadian Institute of Actuaries, and resident scholar at Eckler Ltd.
FULL STORY

 

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