Finance & Practical Guides
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Buying Your First Home in Canada? You Don’t Have to Choose Between FHSA and RRSP
By Caduck | August 26, 2026 Canadian benefits and personal finance information editor Editorial Note: Caduck prepared this article after reviewing current Canada Revenue Agency (CRA) and Financial Consumer Agency of Canada (FCAC) guidance for the First Home Savings Account (FHSA), Registered Retirement Savings Plan (RRSP), Home Buyers’ Plan (HBP), mortgage qualification and down payments.…
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Retired in Canada? The Order You Withdraw Money Can Change Your Tax Bill
By Caduck | August 24, 2026 Canadian retirement, benefits and personal finance information editor Editorial Note: Caduck prepared this article after reviewing current Canada Revenue Agency (CRA) and Service Canada guidance on RRSPs, RRIFs, TFSAs, pension income splitting, Old Age Security and the Guaranteed Income Supplement. The examples below use simplified assumptions to explain retirement…
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Your Children Moved Abroad? Why Your Old Canadian Will May Need a Second Look
By Caduck | August 21, 2026 Editorial Note: Caduck prepared this article after reviewing current guidance from the Canada Revenue Agency, British Columbia legislation, and U.S. Internal Revenue Service resources relevant to cross-border inheritance. This article provides general information only and does not replace professional legal, tax, or financial advice. When Canadian parents write a…
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Can You Stay in Your Home and Get Cash From It? What Canadians 55+ Should Know
By Caduck | August 20, 2026 Editorial Note: Caduck prepared this article after reviewing current information from the Financial Consumer Agency of Canada and British Columbia legislation. This article provides general information and does not replace professional financial, tax or legal advice. Many Canadian retirees face an unusual financial problem. They may own a valuable…
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Canada’s Debt Crisis Is Getting Worse — Is a Consumer Proposal Better Than Bankruptcy?
Canada’s Debt Crisis Is Getting Worse — Is a Consumer Proposal Better Than Bankruptcy? By Caduck | August 19, 2026 Editorial Note: Caduck prepared this article after reviewing current information from the Office of the Superintendent of Bankruptcy, the Financial Consumer Agency of Canada and the Canadian Association of Insolvency and Restructuring Professionals. This article…
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Bank of Canada Holds Rates at 2.25% Again — But What Happens Next Could Matter More for Canadians
**By Caduck | August 18, 2026** Canada’s central bank has left interest rates untouched again. But for households already juggling mortgage payments, credit-card balances and stubborn living costs, the bigger question isn’t what happened on announcement day. It’s what happens to your money next. The Bank of Canada kept its policy interest rate at 2.25%…
