Covid, Inflation, Interest Rates…What’s happening with Real Estate?

The Montrealer, September 2023

Whether you’re a homeowner, a landlord, or a real estate investor, you’ve watched as tides have shifted in real estate. As a “hard asset” often referred to as “bricks and mortar”, real estate has always been considered a safe investment and wise diversifier for investors. Does that still hold true? And are there opportunities to consider?

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Identity Theft: Prevention & Preparedness

The Montrealer, August 2023

dentity theft and fraud have been steadily on the rise in Canada. I’ve written a previous article on ways to prevent identity theft and protect yourself from cybercrime. However, in our highly digitalized world, where technology is used for nearly everything, even the most vigilant can become victims. Scams, identity theft, and cybercrimes can happen to anyone, anywhere, at any time. 

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Money Mindset: Abundance & Scarcity

The Montrealer, July 2023

We attract and repel things based on our mindset and the attitudes we project out into the world. A complainer will always attract more things to complain about. Someone who practices gratitude will always find more things to be grateful for. Our mindset is incredibly powerful, and that applies to money as well. 

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Marriage & Money: Creating Financial Harmony

The Montrealer, June 2023

Love is in the air! As wedding season heads into full swing, brides and grooms excitedly – and maybe nervously – prepare to tie the knot, committing to spend the rest of their lives together. Most have spent countless hours discussing and negotiating wedding plans. The question is, how many hours have they spent discussing their personal finances, their spending habits, and their future financial goals?

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Don’t wait until it’s too late to start tax planning!

The Montrealer, May 2023

Four months are already gone…the clock is ticking. This is the time of year when many people are kicking themselves for not having looked at their tax planning early last year. If your accountant is giving you bad news about owing taxes, this may be a good time to start planning, so it doesn’t happen again next year. With four months already gone, don’t wait too much longer. There are, of course, many possible tax strategies. Let me share a few that I often see overlooked.

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The newest ‘Tax-Free Saving Account’ – How young adults (and even their parents) can take advantage

The Montrealer, April 2023

Many Canadians are anxiously awaiting the availability of the newest ‘Tax-Free Saving Account’, slated to be available in the coming months. The First-Home Savings Account (FHSA) was first proposed in the 2022 Federal Budget to support those trying to save for their first home. Who should consider this plan? How can parents help their children by using this plan? I’ll explain what it is, how it compares to other plans, and how it can best be used.

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Young adults and money – are they ready for the real world?

The Montrealer, March 2023

They make up about a third of the population. They’re often referred to as the social media generation. About two-thirds of them still live at home with their parents. Who are they? They’re the millennials and Gen-Z– ranging in age from 10 to 40 years old. They are mostly the children of Baby Boomers and Gen-Xers.  According to Forbes, they may be the first modern generations to have a future lifestyle less affluent than their parents.

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What to expect for 2023

The Montrealer, February 2023

Good riddance 2022! It may have been a good year in other ways, but from an investment perspective, it was horrible. 2022 was the worst outlier year since 1872 when we look at a combination of stocks and bonds. What can we expect in 2023? We’re not out of the woods yet, but we’re starting to see the light at the end of the tunnel.

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Welcome to 2023! – Start it off Right

The Montrealer, January 2023

 Undoubtedly, when most people set goals for the upcoming year, they are usually focused on improving health, finances, relationships, and lifestyle. When it comes to improving finances, this can simply mean “taking stock” and making sure all the boxes are checked and you’re dotting the i’s and crossing the t’s.

Below is a checklist to help you do a “check-up” on your finances to start the year right. 

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