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  How to talk to your children about money
ROB CARRICK  

Tuesday, April 15, 2014

rcarrick@globeandmail.comKnow what your kids are up against before you start advising them about money.From post-secondary education to home ownership, we need to start rethinking our message to reflect the reality that what worked for us may work differently or not at all for our children. Teach your offspring about the world as it is today, not the one you remember when you were younger.
FULL STORY


Home as investment? I'm still not convinced
ROB CARRICK  

Saturday, April 12, 2014

rcarrick@globeandmail.com How to start an instant argument: Question whether homes are an investment.That's what last week's column did, and the response was intense. It shows how deeply people believe that, more than a place to live, a house is an investment that builds wealth. Further discussion is definitely required.
FULL STORY


Hold up your end of the security bargain
ROB CARRICK  

Thursday, April 10, 2014

rcarrick@globeandmail.comWe should all be a little more cautious about online banking.Let's be clear - the Heartbleed online security bug that made headlines globally appears not to be a risk to people who do their banking and investing online. ''The online banking applications of Canadian banks have not been affected by the Heartbleed bug,'' the Canadian Bankers Association (CBA) said in a news release. ''Canadians can continue to bank with confidence.''
FULL STORY


Shopping for higher yields among corporate bonds
ROB CARRICK  

Wednesday, April 09, 2014

rcarrick@globeandmail.com Not a figment of your imagination: Bond yields of 4 to 7.5 per cent.They're out there in the corporate bond world. To find them, keep an eye on the hot and cold stocks of the day. Two examples: Sherritt International Corp. on the hot side, and TransAlta Corp. on the cold.
FULL STORY


Why a joint bank account is a must for married couples
ROB CARRICK  

Tuesday, April 08, 2014

rcarrick@globeandmail.comMarriage advice from a personal finance columnist: have a joint bank account with your spouse.It's the easiest, most sensible way to manage day-to-day spending and saving, and it will save you trouble if your spouse dies before you.
FULL STORY


Cracks in the home-as-investment wisdom
ROB CARRICK  

Saturday, April 05, 2014

rcarrick@globeandmail.comHome-buying or investing - which will make you richer?Gen Y, this could be the defining question of your financial life. Don't make the mistake of passively accepting the line that housing is a great investment.
FULL STORY


Why it may be time to move away from dividend stocks
ROB CARRICK  

Friday, April 04, 2014

rcarrick@globeandmail.com King Dividend's benevolent rule over the stock markets is being challenged.Investors are in a more speculative mood so far in 2014, and that means dividend-paying stocks have slipped down the performance charts.
FULL STORY


Don't believe the hype of home ownership
ROB CARRICK  

Thursday, April 03, 2014

rcarrick@globeandmail.comThe housing boom of the past decade has given young adults a whole lot of debt and some pitiful gains in net worth.The twenty- and thirtysomethings of Generation Y who are entering the market today are in for worse treatment. A mindset for those who choose to buy a house: It's about lifestyle, not making an investment.
FULL STORY


Beware of banks bearing mortgage gifts
ROB CARRICK  

Tuesday, April 01, 2014

rcarrick@globeandmail.comHere are five things you need to know about the mortgage market as the spring home-buying season gets going:1. That 2.99 per cent Bank of Montreal five-year mortgage isn't quite as good as it sounds
FULL STORY


Building a diversified income portfolio
ROB CARRICK  

Saturday, March 29, 2014

rcarrick@globeandmail.comETF school is back in session.Over the past several months, this column presented a five-part ETF Buyer's Guide that examined individual funds in the Canadian, U.S. and international equity categories as well as dividend and income funds, and bond funds. The series has been collected into an e-book that is available for Globe Unlimited subscribers to download at no cost (tgam.ca/EAm2).
FULL STORY


The DIY approach to your mortgage
ROB CARRICK  

Thursday, March 27, 2014

rcarrick@globeandmail.comA hot housing market makes people do things outside their comfort zone.So a new do-it-yourself online mortgage operation called intelliMortgage should fit right in. The idea here is the same as using an online broker to choose your own investments. Do the work yourself and you pay less.
FULL STORY


How to prepare for a falling loonie
ROB CARRICK  

Tuesday, March 25, 2014

rcarrick@globeandmail.comYour latest financial worry: The global economy is starting to get back to normal.It means Canada's 15 minutes of fame as a model of economic fortitude to the world are done. The U.S. economy looks to have better growth prospects, and investment dollars are flowing there instead of to us. As a result, our dollar is no longer the darling it was during the financial crisis.
FULL STORY


Financial plan a vital map for life's journey
ROB CARRICK  

Saturday, March 22, 2014

rcarrick@globeandmail.com Thanks to our financial plan, my wife and I know we have enough money to last until age 90 and beyond.If you can't say the same, then consider getting yourself a plan. It's the can't-lose retirement investment.
FULL STORY


The middle-class squeeze: a case study
ROB CARRICK  

Thursday, March 20, 2014

rcarrick@globeandmail.com The recent $2,072.34 repair bill on Hamish Telford's 2005 Dodge Caravan hit him right where it hurts.In his savings, that is. ''I went in thinking it was going to be a fairly small tweak to the brakes and, lo and behold, I had this big bill,'' he said. ''It took a big whack out of my small amount of savings.''
FULL STORY


The real story of rising net worth
ROB CARRICK  

Tuesday, March 18, 2014

rcarrick@globeandmail.comYour net worth shot up in February if you're a homeowner in Calgary, Toronto, Vancouver, Saskatoon and some other cities.It was a good month for house price increases in February, and that means today's most misleading measure of wealth has also improved. Gaining net worth is like losing weight. It's great and all, but it's a momentary victory, not permanent.
FULL STORY


The financial sector: Are you overexposed?
ROB CARRICK  

Saturday, March 15, 2014

rcarrick@globeandmail.comThe past five years have eliminated a major diversification risk for Canadian investors and replaced it with another, more subtle problem.It's the dominance of financials, one of the top-performing segments of the Canadian market in the past five years. Your weekend investing assignment: Figure out how much of your portfolio is exposed to the financial sector.
FULL STORY


Ready to file? Don't jump the gun
ROB CARRICK  

Tuesday, March 11, 2014

rcarrick@globeandmail.comWe live in an age of instant information, except at tax time.If you own mutual funds, your investment firm typically has until the end of March to mail your T3 slip for the 2013 tax year. Your T5 slips, which document the kinds and amounts of investment income you received in the year just passed, must be mailed by the end of February. This is slow service, and it's causing tax-filing problems that are bound to get worse unless taxpayers understand what they're up against.
FULL STORY


ETF Buyer's Guide, Vol. 5: Bonds
ROB CARRICK  

Saturday, March 08, 2014

rcarrick@globeandmail.comNo matter what your interest rate outlook, there's a bond ETF for you.But just try and find it. With its manic slicing and dicing of the bond market and its copycat products, the exchange-traded fund industry is overwhelming investors who just want to pick a nice bond ETF or two for their portfolio.
FULL STORY


Investors should be wary about timing the bond market
ROB CARRICK  

Friday, March 07, 2014

rcarrick@globeandmail.comAs dumb investor tricks go, it's hard to beat the market timing with bond ETFs in the past year or so.Exchange-traded funds holding bonds were subjected to heavy net redemptions last year, which means more money flowed out than in. Take the iShares DEX Universe Bond Index Fund, for example. Data from the Canadian ETF Association show net redemptions for this fund of $416-million.
FULL STORY


Math makes mortgage management easy
ROB CARRICK  

Thursday, March 06, 2014

rcarrick@globeandmail.comSomeone ought to explain the facts of life to the nation's bankers.They're handing out mortgages to people without any apparent understanding that today's home-buying couple is tomorrow's family of three or four. A lot happens to one's ability to afford mortgage payments when kids come along, but you'd never know it by the way lenders qualify borrowers.
FULL STORY


Housing outlook clouded by Gen Y jitters
ROB CARRICK  

Tuesday, March 04, 2014

rcarrick@globeandmail.comHints of the housing market's undoing can be found in the questions being asked by a 26-year-old, recently graduated, money-saving virtuoso we'll call Steve.
FULL STORY


Rock steady stocks for retirement investing
ROB CARRICK  

Saturday, March 01, 2014

rcarrick@globeandmail.comTo build your retirement fund, invest for long-term growth without exposing your savings to unnecessary risks.To achieve this fine balance in the stock market, consider the Portfolio Strategy column's list of Rock Steady Stocks for Retirement Investing. Fifteen stocks made the cut based on factors chosen by Craig McGee, senior consultant at investment analysis firm Morningstar Canada.
FULL STORY


Don't let your TFSA land you in tax jail
ROB CARRICK  

Thursday, February 27, 2014

rcarrick@globeandmail.comTFSAs have been a lottery win worth more than $66-billion for the financial industry, courtesy of avid savers like you and me.So why are banks and investment firms letting us down so badly with the guidance they're providing on how to work these nifty but tricky savings vehicles?
FULL STORY


Checkup overdue on retirement health costs
ROB CARRICK  

Tuesday, February 25, 2014

rcarrick@globeandmail.comWe've living longer, but not healthier. Failing to recognize this could be a fatal error in your retirement planning.A bunch of different approaches have been used to get Canadians to save more for retirement, none of them wildly successful. Let's try this: To cover your health care bills.
FULL STORY


A calculated approach to retirement
ROB CARRICK  

Saturday, February 22, 2014

rcarrick@globeandmail.comCould you be persuaded to spend as much time planning your retirement as you did organizing your last vacation?In the hope that your answer is yes, the Portfolio Strategy column presents this Retirement Readiness Worksheet (find the interactive version to plug in your own numbers at tgam.ca/retirement-worksheet).
FULL STORY

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