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Nick

Nick

🧑‍💻20 something software engineer who’s favorite things include TFSAs 💰, retirement planning 👴, and long walks on the beach 🏝

Self-directed Investing in 5 steps

DIY is one of the best ways to save money, changing your own oil, bagged lunches, mowing your lawn, shoveling your laneway; but self directed investing will save more than pretty much any of these things combined. A few hours of work can result in hundreds of thousands of dollars

Lifecycle Investing: Leveraged Passive Investing

As I was researching how you could use leverage with a passive investing strategy I found the book "Lifecycle Investing" by Ian Aryes and Barry Nalebuff. It details how using leverage can actually reduce your portfolio risk while improving your chance of retiring successfully. I read through it

Avoid minimum balances

Most big banks have fees but the reality is that many will waive those fees if you keep a minimum balance in the account, while this sounds like a deal you may be better off paying the fee! For a free $20 sign-up bonus and the best HISA in Cananda

Get your tax refund early

Getting a big tax refund means you paid too much money to the government, these funds could have been in your investment account growing but weren’t. Big refunds can cost you 10's of thousands in the long run but thankfully there is a simple way you can

Reduce fees on index funds

"All-in-one" index funds (AIO) have become extremely popular recently as they make it dead simple to have a globally diversified portfolio that matches your needs for an affordable price. But for those interested in working a little bit you can save thousands or even tens of thousands of

What is the First Time Home Buyers Incentive

The "First time home buyers incentive" (FTHBI) is often confused with the "Home Buyers Plan" (HBP) but they could not be more different. To find out about the HBP check out this. What is the Home Buyers PlanThere is alot of confusion on what incentives are

What is the Home Buyers Plan

There is alot of confusion on what incentives are available to home buyers. One of the most powerful tools for Canadians is the "Home Buyers Plan" (HBP). What is it? The HBP allows eligible Canadians who are buying a home the option to loan yourself up to $35,