Invest in Real Estate or the Stock Market

Many of my friends, colleagues, and family asked me and encountered this discussion many times in personal finance forums: Which investment is better: Real Estate or the Stock market? Allow me to address the key differences between the two and will try to be objective as much as I can….

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Buying Our Home with No Money Down

This Covid-19 global pandemic has spoiled a lot of people’s long term goals. While I was ready to go on a semi-retirement stint and do more traveling yet remain working part time or in a casual position – the world has come to a standstill.  Prior to this pandemic, we…

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Biggest Mistakes in Buying our Home

In 2011, two years after migrating to Canada we decided that it’s time to buy our own home. It’s not our first time to own a property having owned our home in England and luckily managed to get out of it during the 2008 housing market crash. Upon arrival in…

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How We Cut Down Our Phone Bills Down to Zero $$$$?

Communicating with our loved ones or someone these days is far easier compared  to 2 or 3 decades ago. Most of us now carry a cellular phone or a smartphone. It is now becoming a basic necessity. It is now a part of life that many of us can’t live…

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Building Passive Income from Monthly Dividend Stocks

Many passive income seekers like myself love dividend stocks. What’s not to appreciate when you get paid on a regular basis. Most commonly they pay quarterly or monthly in Canada and US however quite sparsely semi-annual and annually in other countries. Key issues with quarterly dividends or other less frequent…

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My Top Canadian Tandem No Fee Bank Accounts

Access to banks is essential to almost everyone. Not to mention, we need bank accounts for our salary, emergency funds, savings, investment accounts, borrowing money (loans), mortgages, and etc. At the minimum, we have checking or savings accounts and own a plastic card (debit card) to have access to depositing…

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Generate Multiple Sources of Income

Active income or working as an employee is probably the easiest way to earn a living. Employers pay us either weekly, bi-weekly, twice a month or monthly. Additionally, there are great benefits one can receive as an employee depending on our employer such as overtime pay, paid vacation, sick leave,…

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Dividend Investing is Easy and More Fun

Investing in dividend stock is a lot easier and more fun. You may have asked if it’s easy, why is it that not a lot of people are doing it? Well, if you are reading this, then you may have found the right article for you. What are dividend stocks?  …

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TFSA Dividend Income

A few years ago when I was dipping my toes with investing in the stock market, I was apprehensive and skeptical at same time. This is coming from someone who has NO knowledge about investing in the stock market. This was something that my parents didn’t do and definitely I…

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Our 2021 DGI TFSA Portfolio

Our annual goal is to maximize the contribution limits of our TFSA beginning of each year. We aim to contribute the maximum allowable limit every first week of January. Here are the TFSA contribution limits by year since its inception. 2009 – $5,000 2010 – $5,000 2011 – $5,000 2012…

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