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Crypto

What is a smart contract?

Smart contracts are a core part of the crypto economy, and their applications are growing rapidly. Here’s why.

What is a smart contract?

Mortgages

What is an open mortgage?

In Canada, home buyers can choose from several types of mortgages, including open mortgages. Find out how open...

What is an open mortgage?

Mortgages

What is a prepayment privilege?

Using a prepayment privilege could save you a lot of money over the life of your mortgage. Find out...

What is a prepayment privilege?

Debt

What is a debt-to-income ratio?

Learn what debt-to-income ratio means and how to calculate it, as your DTI ratio can affect how much money...

What is a debt-to-income ratio?
Three seniors are sitting at a table posing for a selfie photo as they play poker together. it's a symbolic photo representing how tontines work.

Retired Money

Tontines in Canada: Moving from theory to practice as a solution to our retirement crisis

You may be hearing about new products that sound like tontines, even if they’re not called tontines. Here’s why....

Tontines in Canada: Moving from theory to practice as a solution to our retirement crisis
An adult man, acting as power of attorney, hugs his senior mom. He's wondering about gifting her assets while she's in a home.

Ask a Planner

Gifting a parent’s assets using a power of attorney

As power of attorney, does it make sense to divide up a parent’s assets before their death?

Gifting a parent’s assets using a power of attorney
The exterior view of a bungalow that will serve as the buyer's vacation home

Real Estate

Can I afford to buy a second home?

A second home can serve many purposes, from a vacation destination to student housing for your children. Here’s how...

Can I afford to buy a second home?

Mortgages

What is a prepayment penalty?

Before you pay off your mortgage earlier than originally planned, find out what a prepayment penalty means for you.

What is a prepayment penalty?

Taxes

What is a deemed disposition?

Find out what deemed disposition means and in what situations you may have to pay tax as a result.

What is a deemed disposition?