Use This Strategy to Save One Million Dollars in 20 Years

August 23, 2016 Jelani Smith 0

The millennial generation is going through a unique situation in terms of personal finances – all time low interest rates and rising student debt. In some cities, such as Toronto and Vancouver, Real Estate prices (renting and owning) are at all time highs. This has led the Trudeau Government to raise the minimum downpayment from 5% to 10% on the […]


What is an ETF?

August 21, 2016 Jelani Smith 0

Exchange Traded Funds (ETFs)  are alternatives to Mutual Funds, where Management Expense Ratios (MERs) are usually a fraction of the price. MERs are the costs to keep the funds active. These costs include but are not limited to, operational costs, and trading costs. The MERs are typically passed on to the Mutual Fund/ETF holder. For example, a MER of 1% […]

Subdivision in Milton, ON (GTA Region)

Toronto Real Estate: Boom or Bubble?

August 10, 2016 Jelani Smith 0

With a strong July Price Growth, Toronto Real Estate continues to defy gravity – mostly as a result of high immigration, all time low interest rates, limited supply, and a strong job market. After  20+ years of consecutive price growth, housing prices continue to be on an upwards trend. The Toronto Housing Market has been a hot topic,  with many […]


Cookies for Credit Cards – Will it Affect Your Credit Score?

July 28, 2016 Benjamin Sammut 0

I had an interesting conversation with a friend of mine the other night. After doing her groceries, she was approached by the grocer’s bank and offered a credit card. As a bonus for signing up she was offered some very “decadent” cookies; not the greatest incentive in the world, but who doesn’t want some free cookies? You might see different […]


Why Did Verizon Pay $4.8 Billion for Yahoo

July 24, 2016 Jelani Smith 0

US telecommunications giant, Verizon Communications Inc. acquires Yahoo! Inc.’s core assets in a $4.8 billion deal, expanding the size of Verizon’s digital advertising.   Yahoo is an ‘iconic pioneer’ of the web, with the objective of connecting users with the world wide web. In the past decade, Yahoo has been struggling to compete with Alphabet Inc.’s Google – a platform […]


Canada Child Benefit: What You Need to Know

July 20, 2016 Jelani Smith 0

Effective on July 2016, the Trudeau Government rolled out the new Canadian Child Benefit program (CCB). The main purpose of this is to strengthen the middle class, which was one of the focuses of the 2016 Federal Budget. This program is to replace the Universal Child Care Benefit (UCCB) and non-taxable Canada Child Tax Benefit, helping families with a net […]

Worst Personal Finance Advice For Millennials

5 Things You Need to Know About Credit Cards

July 14, 2016 Jelani Smith 0

When used effectively, credit cards are great tool for you to track your spending, and receive rewards while doing so. There are some millennials who are completely against credit cards, simply because they had a bad experience with them, or they do not trust themselves with a plastic card, allowing you to spend beyond your limits. According to a 2014 […]

Toronto Real Estate: The 5 Scarborough Myths

Toronto Real Estate: The 5 Scarborough Myths

July 10, 2016 Jelani Smith 0

Scarborough is a former city east of Toronto, which later became part of Toronto, during the amalgamation of six cities that occurred in 1998 (this could be one reason why Drake gives Toronto “the Six” nickname). Scarborough is home to plenty of parks, and a very diverse culture, with many great food restaurants. In fact, an economist claimed that Scarborough […]

The World Has Changed, But What About Education?

The World Has Changed, But What About Education?

July 5, 2016 Mariam Walaa 0

Since the beginning of time, kids were taught that school is the most crucial path to success. We attend school to select our desired profession (although, sometimes it is not necessarily desired), work towards a degree, and graduate to enter the workforce and contribute to the economy. Every society requires lawyers, accountants, doctors, teachers, officers, etcetera. The education system trains […]

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