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How To Strip, Clean, Stain, and Seal An Old Deck For Cheap

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Offer Details: In this 2-part series, I show how I stripped, cleaned, repaired, stained and sealed our old deck from start to finish for cheap! For Part 2 of the series, click here. When we bought our house in the Spring of 2016, the stain on the deck was already flaking off and I knew I would have to refinish it at some point. Fast forward a year (2017), and there are now rotting boards on the deck floor See more ...

What Happens to CPP and OAS Benefits After The Death of a

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Offer Details: Old Age Security Benefits for Survivor’s. The Old Age Security (OAS) is one of the main sources of income for seniors aged 65 and over in retirement. It is a monthly benefit that is based on how long you have lived in Canada in your adult years. To qualify for the full OAS pension, you must have lived in Canada for at least 40 years after your 18th birthday. See more ...

How To Apply for the $2K/month CERB Benefit

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Offer Details: Following the fallout from COVID-19 and an unprecedented increase in Employment Insurance (EI) benefit applications, the federal government recently introduced a new benefit - the Canada Emergency Response Benefit (CERB). The CERB will provide relief to workers whether they are eligible for EI or not if they have lost their jobs, are sick, quarantined, or are taking care of someone who is sick See more ...

How to Save on Taxes By Maximizing Your RRSP Contribution

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Offer Details: Updated for 2020 Tax season is again upon us and you can save on your tax bill and get a nice refund by maximizing your Registered Retirement Savings Plan (RRSP) contribution for the 2019 tax year. There is an extension of 60 days into a current year to make RRSP contributions that can be claimed as deductions in your tax returns for the previous tax year. See more ...

Borrowell vs. Credit Karma vs. Mogo: Free Credit Score and

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Link: https://www.savvynewcanadians.com/borrow

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Offer Details: The trio of Borrowell, Mogo, and Credit Karma offer Canadians access to free credit scores and reports. In addition to these two basic offerings, they also provide other services, including personal loans, credit cards, credit monitoring, identity protection, mortgages, and more. A few years ago, you could only obtain your credit score directly from the credit bureaus (TransUnion and Equifax See more ...

How To Apply For The $1,250/Month CESB Student Benefit

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Offer Details: Following the economic devastation caused by the COVID-19 pandemic, the federal government introduced the Canada Emergency Response Benefit (CERB) which offers $2,000 every month to eligible workers. As of last week, more than 7 million Canadians have applied for this emergency relief. Many students who are currently enrolled in a post-secondary program are unable to qualify for the CERB, and See more ...

An Overview of Provincial Government Benefits for Seniors

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Link: https://www.savvynewcanadians.com/provin

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Offer Details: Previously, I wrote about federal government retirement benefits available to seniors in Canada. In this follow-up article, I summarize the provincial retirement benefits (income) that seniors have access to on top of the federal programs like the Old Age Security (OAS), Guaranteed Income Supplement (GIS), Allowance, Allowance for the Survivor, and the Canada Pension Plan (CPP). See more ...

How To Pay Off Your Mortgage 10 Years Early and Save

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Offer Details: A mortgage is the single largest debt the average Canadian or American will ever have to pay off. How about paying off your mortgage in 5 yearsor 10 years? Well, that's a goal many a homeowner hasmostly in their dreams. The fact is that a majority of people with mortgages will still carry some level of mortgage debt into retirement, and the reason for this is not far-fetched. Average See more ...

10 Strategies To Minimize the Old Age Security (OAS) Clawback

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Offer Details: Consider selling off real estate like your rental property, cottage, land, stocks, etc., before age 65 or prior to collecting OAS in order to avoid triggering OAS clawbacks. 10. Leverage Your Investing. If you borrow to invest, the interest paid for the loan may be deductible and lower your overall taxable investment income. Note that See more ...

Best Low (0%) Balance Transfer Credit Cards in Canada

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Offer Details: If you are carrying a big chunk of credit card debt and are having difficulties paying it off, a 0% or low-rate balance transfer credit card can help you get back on your feet again. Credit card debt is tough to deal with. Each day that goes by signals an increase in your debt obligations as the interest fees continue to pile up and your minimum payments hardly touch the principal. See more ...

How To Withdraw Income From An RRSP in Retirement

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Offer Details: Registered Retirement Savings Plans (RRSPs) are a great tool for saving towards retirement. Whether you choose to retire early or plan to work until you are 65 years or older, at some point, you will want to start withdrawing income from your RRSP. As long as you have 'earned' income, you can continue to make contributions to an RRSP account up until age 71, when the government requires you to See more ...

Bank of Canada's Interest Rate Hike and What It Means To

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Offer Details: Pay off or pay down all high-interest debt first before accelerating or paying more on your mortgage – which often has an interest rate that is lower. With all the talk of further interest rate hikes (monetary tightening) in the U.S., it’s more likely that we are in an era of progressive rate hikes here in Canada as well. See more ...

10 Savvy Things You Can Do With Your 2017 Tax Refund

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Offer Details: Making additional one-off payments annually can significantly decrease the amortization period by several years and save you thousands of dollars in interest payments. For example, assuming a 25-year $400,000 3% interest mortgage loan, if you pay an extra $5,000 annually, it will reduce the amortization period by about 6 years and save approximately $46,000 in interest. See more ...

TransUnion vs. Equifax Credit Scores: Why The Difference

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Offer Details: If you routinely vet your credit report and track your credit scores from the two main credit bureaus (TransUnion and Equifax), you may have noticed that they can be a bit different. Credit scores are a measure of your creditworthiness and are used by lenders to determine how much of a risk you pose when they lend you money. If your credit score is poor, it means you are not good with other See more ...

Should I Take CPP Early at Age 60? – Savvy New Canadians

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Offer Details: Should I take CPP early at age 60, wait until the standard 65 years, or defer CPP benefits until I'm 70 years old? I get these questions a lot from my readers and while I certainly do not consider myself as an expert on retirement planning, I will share my thoughts on when to collect CPP in this post and in a second one that will cover reasons to take CPP at age 70. See more ...

Guaranteed Income Supplement, Allowance and Allowance for

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Offer Details: By the way, when is 50 cents taken off for every dollar? Service Canada also talks of $3500 being the level at which the GIS is clawed back.What does that mean? Does it mean that the senior stops getting the GIS altogether? What is so confusing is that the GIS is also clawed back when a person makes even $24! It is only $1 but it is still a clawback. Then there is the initial $3500 income See more ...

Buying vs. Leasing a New Car: What's The Better Option

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Link: https://www.savvynewcanadians.com/buying

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Offer Details: Canadians love new cars. With the prevailing low-interest rates, car dealerships had a record sale of 1.948 million vehicles in Canada in 2016, an increase of 2.7% compared to 2015. New data for 2019 shows that the average sales price for all types of vehicles in Canada is now $40,490, an increase of 2.3% year over year. With respect to buying vs. leasing a car, the average monthly car loan See more ...

Debt Consolidation: A Simple Breakdown – Savvy New Canadians

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Offer Details: A debt consolidation loan, however, does involve taking out another loan to pay off your debts. Now, instead of paying back various debts to multiple creditors, you make one payment on one large loan to the lending institution that gave you the loan. But to qualify for this loan, you must have good credit. Unfortunately, most people who want or need a debt consolidation loan don’t have good See more ...

The 10 Golden Rules of Investing - How To Succeed in the

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Offer Details: I have learned a few things from personal experience investing in the markets, and have also picked up many golden nuggets from others along the way. While I may not have these golden rules or 'commandments' of investing written on any piece of paper, they are well-drilled into my subconscious, and come to the fore every now and then when I have to make conscious decisions in regards to my See more ...

What Are Your Options as Mortgage Rates Rise?

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Offer Details: Mortgage rates are trending up in Canada, leaving many new home buyers and those looking to renew their mortgage worried. The newest shocker in the mortgage rates saga was TD Bank suddenly raising their posted rates, including their 5-year fixed rate to 5.59%. Although posted mortgage rates are higher than the discounted rates most borrowers eventually obtain, the higher rates are nonetheless See more ...

How To Dispute Errors On Your Credit Report in Canada

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Offer Details: Steps to Disputing Errors on Your Credit Report. Thankfully, there is recourse available to you if you find errors on your credit report. In Canada, credit bureaus are obligated to verify the accuracy of the information on a credit report if you dispute it, and they will do so free of charge. See more ...

Mortgage Broker vs. Big Bank: Who Should I Choose? – Savvy

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Offer Details: Mortgage Broker vs. Big Bank: Who Should I Choose? 4 Ways To Pay Off Your Mortgage Faster: Infographic. Updated Dec 8, 2017. RateHub.ca Review: Online Mortgage Rates Comparison. Updated Dec 20, 2019. 5 Ways To Save Up For Your Down Payment. Updated Jan 5, 2020. 1 Comment. MBI Mortgages on September 12, 2017 at 8:45 PM . Excellent information, truly helpful. thank you for sharing. Reply See more ...

Canadian Credit Cards With No Foreign Transaction Fees For

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Offer Details: Complimentary Avis Preferred Plus membership (5% to 25% off) The Scotiabank Passport is clearly a premium card that comes with premium benefits. It’s one downside is the $139 annual fee. However, this is not surprising given its many features. The initial bonus rewards of 30,000 points ($300 value) easily pay the annual fee for the first year. If you utilize the card and spend up to $40,000 See more ...

10 Best Personal Finance Books You Need To Master Your

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Offer Details: Do you want to improve your life and finances this year - pay off debt, save more money, become a savvy investor, make more money, live healthier, balance your priorities? No matter what your New Year's resolutions are, a good book can provide lots of valuable insight and tips that point you in the right direction. In the area of personal finances, this list of some of the best personal See more ...

Understanding the Canada Pension Plan - Savvy New Canadians

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Offer Details: Updated for 2020 The Canada Pension Plan (CPP) is a retirement pension benefit paid out by the Federal Government to eligible individuals or their families. The amount received is based on what you have contributed to the plan during your working years and for how long you made those contributions. The CPP was established in 1966 and has undergone several changes since then with more See more ...

Fixed vs Variable Rate Mortgage: Which is Better?

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Link: https://www.savvynewcanadians.com/consid

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Offer Details: The penalties incurred when you break a fixed-rate mortgage is usually much higher than for a variable rate mortgage. If you know that you may need to move or sell your home before the end of the common 5-year fixed mortgage term, you should consider a shorter fixed-rate term or go with a variable rate. In addition, you can choose a mortgage that has favourable portability options. See more ...

10 Stock Valuation Techniques For Evaluating Stocks

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Link: https://www.savvynewcanadians.com/perfor

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Offer Details: As a beginner investor, what performance indicators should you use to assess and value a stock (equity) before you buy it? I answer this question here as a part of my INVESTING 101 series. Investing in individual stocks and building a diversified portfolio may be a bit challenging for a new investor. I use the term “diversified” because you want to hold a basket of assets that includes a See more ...

20 Creative Ways To Save Money Around Your Home

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Offer Details: There are many easy ways to save money around your home - from small savings on your utility bills to big savings on your mortgage. These 20 smart money-saving strategies will help you improve your finances without drastically changing your lifestyle. 1. Cut Your Water Bill By reducing your water usage, you will save on your water bill as well as reduce your environmental footprint. See more ...

13 Car Maintenance Tasks You Can DIY To Save Money – Savvy

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Offer Details: Keeping a regular maintenance schedule for your car will go a long way to keep it in top condition, minimize your unexpected out-of-pocket costs, and prolong your car's overall useful life. Cars cost a lot to keep on the road! The average annual costs to own and operate a new car last year was $8,469 or $706 per year. With average costs this high, if you are a frugal car owner, you are looking See more ...

29 Creative Ways To Save Money on a Daily Basis – Savvy

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Offer Details: As soon as you drive a new car off the dealers’ lot, you lose 10% of its value! After the first year, you lose 20% and by the fifth year, you have lost about 60% of its value . On a $40,000 car, that is roughly $24,000 lost in 5 years! See more ...

Mylo Promo Code: Get a FREE $5 Cash Bonus With The Mylo App

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Offer Details: Meet Financial Goals: You can use the Mylo app to set specific financial or savings goals e.g. save for retirement, down payment on a home, pay off debt, save for an emergency fund, etc. The app allows you to multiply your roundups, or increase your contributions in order to reach your goals. See more ...

An Overview of Government Benefits For Retired Seniors in

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Offer Details: 3. Allowance and Allowance for the Survivor. Allowance: This is a monthly benefit under the OAS program that is paid to low-income seniors who are between 60 and 65 years of age and whose spouse or common-law partner is a recipient of the OAS and GIS. An Allowance payment is a stop-gap benefit until you turn 65 and become eligible for OAS. Your income and that of your spouse are considered in See more ...

Should I Take Out An RRSP Loan? – Savvy New Canadians

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Offer Details: Therefore, if you can’t afford to pay off the loan quickly (in a year or less), the bank may turn out to be the only winner! One strategy to ensure you pay interest on the loan for just a few weeks is to only borrow the amount you are expecting back as a tax refund. When not to take out an RRSP loan: 1. You are in a low tax bracket See more ...

A Review of TD e-Series Funds – Savvy New Canadians

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Offer Details: Continue investing in expensive mutual funds and take whatever returns you get. Enjoy the ease of having a 100% hands-off approach to your investment portfolio. Read more on Investment Fees for Mutual Funds here. 2. Invest with a robo-advisor using low-cost ETFs and a hands-off approach as well. Pay a lower MER than Option 1 at approximately 0 See more ...

What is a Mutual Fund? A Beginners Guide To Mutual Funds

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Offer Details: A mutual fund is a collection of investment assets such as bonds, stocks, ETFs, other mutual funds, cash, and other securities that are owned by a group of investors and managed by a professional fund manager. Mutual funds have been the most popular investment vehicle in North America for decades. However, since having to compete with ETFs which have seen increasing adoption and usage by See more ...

Closing Costs Associated With Selling A Home – Savvy New

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Offer Details: Just as with buying a home, there are closing costs associated with selling a home. I have previously discussed the closing costs that first-time home buyers should prepare for here. Let's talk about the costs associated with selling your house. 1. Realtor's Commissions The seller is usually responsible for paying the commissions to realtor's or real estate agents used by them and the buyer. See more ...

PolicyMe Review: Find The Best Life Insurance Companies in

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Offer Details: Life insurance is an important part of your overall financial planning strategy. Whether you are trying to protect your family and provide for their daily needs or you want to make it easy for them to pay off your mortgage in the event of your premature death, the right life insurance policy can come in handy. The cost of life insurance and the wide variations in premiums among the various See more ...

Furnace Maintenance Tips to Keep You Warm and Save Money

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Offer Details: Vacuum cold-air return registers at least once a year and make sure they are not totally closed off or blocked by other things. 5. Check the Intake and Exhaust Pipes. The air intake and exhaust pipes for your furnace can usually be found located outside your house. They may get plugged with ice, snow, leaves, critters, vegetation, or other See more ...

When You Should Prioritize TFSA Over RRSP

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Offer Details: Updated for 2020! We are lucky as Canadians to have access to a variety of tax-sheltered accounts (including RRSP and TFSA) that we can use to grow our retirement pots and/or save in general. Deciding between a TFSA vs. an RRSP can be a tricky decision to make. Both accounts work well for the general purposes they were intended for, but based on your specific circumstances, it may be in your See more ...

The Ultimate Strategy For Buying a Car Without Losing Money

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Offer Details: Print off this information or have them open on your phone as you will need them later. Websites that are useful for answering your questions include Auto123.com , Edmunds.com , Unhaggle.com, ConsumerReport.org, MotorTrend.com, and Wheels.ca. See more ...

Ontario Trillium Benefit Explained and Payment Dates 2020

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Offer Details: The Ontario Trillium Benefit (OTB) is a refundable tax credit available to low- and moderate-income residents. It combines the Ontario Sales Tax Credit, Ontario Energy and Property Tax Credit, and Northern Ontario Energy Credit into one single payment that is issued monthly or once a year. OTB payments are funded by the Ontario government and disbursed through the Canada Revenue Agency. See more ...

Mortgage Rates Comparison: Save Money With The Best

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Offer Details: Paying off your mortgage faster; Paying off other debt; Investing for your retirement; Paying off your kid’s college tuition or funding their RESP; Splurging like there’s no tomorrow, and more. Read on to find out how to compare the best mortgage rates and how much you can save over time. Finding The Best Mortgage Rates in Canada See more ...

How to Spring Clean Your Finances in 2020 - Savvy New

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Offer Details: Categorize your debt into high and low-interest and consider paying off high-interest debt (e.g. credit cards) first. If you have lots of credit card debt, spring is a good time to consider consolidating them and obtaining a much cheaper balance transfer credit card, line of credit, or personal loan. Not all debt is bad. See more ...

Mortgage Terminology Explained Canada – Savvy New Canadians

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Offer Details: This refers to the number of years it will take to pay off your mortgage loan in full while making your regular mortgage payments. 25-year amortization schedules are the most common in Canada. Longer amortization periods (up to 30 years) are available if your down payment is 20% or more of the purchase price. See more ...

15 Best Financial Apps to Automate Your Savings and Build

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Offer Details: Acorns is a great app for those starting out in investing or who want a hands-off easy approach. Your account is protected by Securities Investor Protection Corporation (SIPC) up to $500,000. Your account is protected by Securities Investor Protection Corporation (SIPC) up to $500,000. See more ...

RRIF or Annuity: Which Is Best For You - Savvy New

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Offer Details: This is a sponsored post by Sun Life Financial. All views and opinions expressed represent my own. The registered retirement income fund (RRIF) and annuity are two of the most popular vehicles that seniors use to generate retirement income from their registered investment accounts. At age 71, the government requires that you close your registered retirement savings plan (RRSP) and do one or a See more ...

How Much Can I Afford to Spend on a Home? – Savvy New

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Offer Details: When we started house hunting in 2015, one of the questions we had to find an answer to was: 'How much money could we afford to spend on buying a home?' This is a question first-time homebuyers need to ask themselves. The answer is not straightforward and many factors should be taken into consideration. How Much Mortgage Loan Will the Bank Approve? See more ...

12 Easy Ways To Cut Your Home Insurance Premium in Canada

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Offer Details: Potential savings can be anywhere from 5 to 15% off your annual premium. 7. Install a home security system. Making your home as secure as possible is generally good for you and for your insurance. A centrally monitored burglar alarm combined with smoke and carbon monoxide detectors can fetch you some pretty significant savings (as much as 20%) on your premium. 8. Stay claim-free. The longer See more ...

Mortgage Life Insurance vs. Mortgage Default Insurance

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Link: https://www.savvynewcanadians.com/mortga

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Offer Details: The idea behind this insurance is that it protects your ability to pay off your mortgage should you die or suffer a debilitating illness that prevents you from working and earning money. Theoretically, if any of these bad things happen to you, your mortgage gets paid off and you or your family will not have to worry about it. See more ...

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