Articles
Written answers to the questions that actually get asked.
No market commentary, no predictions, no performance claims. Every figure is sourced to a primary government page and carries the date it was checked.
6 articles
- Newcomers
- Protection
- Savings
- Visitors
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Protection
Bank mortgage insurance versus a term life policy
Two products that sound the same. One pays the bank, shrinks as you pay down the mortgage, and is underwritten after you die rather than before.
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Protection
Own occupation versus any occupation, and why it decides claims
One clause separates a paid disability claim from a declined one. For a tradesperson or a surgeon, the difference is the entire value of the policy.
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Savings
What starting an RESP late actually costs
The education grant is capped at $500 a year and stops at 17. You can only catch up one year at a time, which is why late starters lose money permanently.
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Visitors
What "stable" actually means in a Super Visa insurance policy
The pre-existing condition clause decides more Super Visa claims than the coverage amount does. A dosage change before departure can cost you the cover.
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Newcomers
How much TFSA room do you have if you just moved to Canada?
TFSA room starts the year you became a resident of Canada for tax purposes — not 2009. Getting this wrong costs 1% per month, quietly, for years.
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Savings
Successor holder or beneficiary? One line on a TFSA form
Naming your spouse successor holder instead of beneficiary keeps a TFSA whole and tax-free. Most people are never asked which one they want.
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