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The Dangers of Credit Cards

September 20, 2016 Mariam Walaa 0

Before we start looking into the dangers of using credit cards, let’s define what credit cards are and why they are used. In a nutshell, the term “credit” refers to something of value that is borrowed by someone who is expected to return it in the future. In the case of credit cards, “credit” is borrowed money. The ability to […]

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5 Ways to Maximize Credit Card Rewards

September 14, 2016 Ratehub 0

Credit cards offer a number of benefits when used responsibly. Not only can they help you with your day-to-day expenses and build your credit history, a rewards credit card can provide a number of perks that can help you with major purchases, savings goals, or travel. But how do you ensure you’re getting the most out of your rewards credit […]

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Top 5 Popular Toronto Neighbourhoods for Millennials

September 12, 2016 Sheila O'Hearn 0

As a young professional, working in the heart of Toronto can be exhilarating. That initial, heady fast pace, however, can dissolve into an exhausting rat race, if you don’t have a share in Toronto real estate, as a renter or homeowner. That out-of-city commute has its problems (traffic congestion, construction, winter road conditions, the risk of work-burnout), so a better […]

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A Millennial Rant – Where’s the Job Market I Was Promised?

September 10, 2016 Benjamin Sammut 0

When I graduated university in the fall semester of 2013, I came out with guns blazing. 14 years of public schooling combined with my 4-year bachelor’s degree meant I had earned my stripes. I’d paid my dues. I’d accomplished more than my parents had. The world owed me success because I had persevered and I was ready to bask in […]

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7 Ways to Save Money on Clothes Shopping

September 5, 2016 Jelani Smith 0

Shopping for clothes is always fun – checking out new fashion trends, trying on clothes, and so on. Clothes shopping is one of the biggest weakest link for many millennials. It’s relatively easy to buy clothes on pulse, especially when there’s a sale. Millennials are more frequent shoppers. Around 58% of millennials love to shop, compared to 40% of adults […]

Top Credit Cards for Students

Top Credit Cards for Students

September 1, 2016 Jelani Smith 0

Contrary to popular belief, students should have credit cards. In general, having a good credit score helps you finance your first home, first car, and so on. Low credit scores would make life harder – you either wouldn’t get approved, or end up paying such high interest rates (which would affect your personal finances). Students are a huge target for […]

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Use This Strategy to Save One Million Dollars in 20 Years

August 23, 2016 Jelani Smith 2

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.  Despite the personal finance obstacles for millennials, it’s still possible to save one million dollars in 20 […]

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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% […]

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Red Hot Toronto Real Estate: 5 Things You Need to Know

August 10, 2016 Jelani Smith 2

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, as seen in the recent July Prices.  There’s an ongoing debate about the skyrocketing prices. Some claim […]

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