Personal Finance

In 1789, Benjamin Franklin wrote, “in this world, nothing can be said to be certain, except death and taxes.” I’m adding bills to his list of certainty. There are utilities, fees, phone, insurance charges, and the … Read More

Whole life insurance and universal life insurance are two both types of permanent insurance – but which is best? Here’s everything you need to know.

We interviewed The Globe and Mail’s Rob Carrick, one of Canada’s most trusted, and highly read, personal finance experts on Ratehub.ca’s brand-new podcast – Real Money Talk.   Rob has written, or co-written, five books on personal … Read More

Canadians love their subscriptions. According to a study conducted by the Convergence Research Group, Canadians spent over $872 million in recent years on what they term “over-the-top” subscriptions that include platforms like Netflix. This figure represents … Read More

The world has gone almost completely digital: We order our meals with a few clicks and they’re delivered right to our door, we communicate increasingly online, and banking can be done right from our phones. And … Read More

As we count down the seconds to a New Year, we often reminisce about the year that was; the good, the bad, and the ugly. And that’s just talking about our finances. Maybe you hit a … Read More

There are many rules of thumb when it comes to personal finance, such as saving 10% of your gross salary for retirement or making a 20% down payment on a home.  If you want budgeting to … Read More

We’ve finally crossed the finish line in the 10k that is Christmas. Congratulations! But there’s no time to catch your breath. As soon as you’re done chugging that bottle of Gatorade it will time to take … Read More

Almost everyone knows they should have an emergency fund in case something unexpected happens. Potential job loss, health problems that keep you from working, and unplanned home or car repairs are just a few of the … Read More

Personal finance can feel like an insider’s club. There’s also a lot of “rules,” often centred around frugality and fitting into a clearcut style of budgeting — even if it doesn’t necessarily fit your circumstances. When … Read More