Posts by Barry Choi
Canadian Student Loan Options
The cost of a post-secondary education seems to be increasing every year; fortunately getting a Canadian student loan is a pretty straight forward process through the Government of Canada. The federal government essentially offers 2 Canadian student loan programs to help with your education costs. They of course don’t just give loans away, you need to…
Read MoreSticking To Your Financial Goals
Setting financial goals is easy, sticking to them however can be incredibly difficult. I imagine many of us who made financial New Year’s resolutions are already on track to break them. Making generic resolutions is just silly, we need to pick goals that are actually attainable. Here are some common financial goals and tips to help…
Read MoreCheap Repositioning Cruises: Should you take one?
Cruising is a very popular trend and it’s getting more competitive within the industry all the time, especially in the mass-market area of giant ships. Therefore, empty cabins means reduced revenue, and that’s not something to make cruise operators smile; maximizing the dollar, pound, euro, or whatever currency you have, is their priority. Repositioning cruise deals…
Read MoreWealthing Like Rabbits Book Review
It’s been a surprisingly good year for personal finance books this year. The year started off with two great books; Preet Banerjee’s Stop Over-Thinking Your Money!, and Bruce Sellery’s Moolala Guide to Rockin’ Your RRSP. Dropping today is Robert R. Brown’s Wealthing Like Rabbits. https://www.youtube.com/watch?v=1sR9fko5KeE&feature=youtu.be&t=17s Who? Okay like Star Lord you may have never have heard…
Read More7 Ways To Pay Off Your Mortgage Faster
Yikes, fewer Canadians are paying off their mortgages faster according to a poll done by CIBC. Only 55% of us with mortgages plan to make extra payments compared to 68% polled last year. Okay, I suppose it’s possible that homeowners are taking advantage of the low interest rates and we’re investing their extra money instead…
Read MoreHow Much Debt Is Too Much Debt?
How much debt is too much debt? Well if you’re a fan of Gail Vaz-Oxlade then you should know that any kind of consumer debt is bad. Not surprising, yet still disappointing it appears that our household debt has risen 6% according to the annual debt report conducted by BMO Financial Group. According to the…
Read MoreFree Toronto Attractions
Whenever I travel I always look for free attractions first because nothing is better than free. Any money I can save on attractions means I can spend it somewhere else during my trip like a nice meal. Here’s my picks of the top free Toronto Attractions. Nathan Philips Square Toronto’s City Hall is the main…
Read MoreHow I Got My Deferred Sales Charges Waived
A while back I wrote Signs your advisor doesn’t know anything. This was a controversial post as some of the things I brought up didn’t sit well for some readers, but I will say this; the same points that I brought up is ultimately what helped me avoid paying deferred sales charges (DSC). This is not…
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