Author Archives: Justin

How To Keep All Of Your Passwords Organized

“Keeping Your Accounts Secure and Organized, One Password at a time”

You need an account with almost every website you go to these days, and it’s hard keeping track of all of your passwords. It’s especially hard if some of the sites require changing your password every so often.   Luckily your web browser can remember your passwords to the sites you regularly use, or you just stay logged in. But what if you need to access something while at work, or traveling? I needed something to organize my passwords with Kyle since we have many online accounts.  I felt a little anxiety because if something were ever to happen to me, Kyle wouldn’t have access to anything! Now that I have it all set up he would be able to keep on humming as if nothing happened.

Benefits Of Using A Password Manager

Lastpass1A password manager is a program that stores all of your sensitive account information and their passwords.  I noticed my brother using it while I was at his place and he couldn’t say enough good things about it. He is a security nut as well which also makes me appreciate the value he sees in this software. He once put a Wi-Fi password on my parent’s computer and they only have four people within TWO MILES of their place which is 200 km away from the nearest city.  So if he says this company is good, I believe him.

Doesn’t My Browser Store All Of My Passwords?

Yes, browsers do have the ability to save passwords. I use Google Chrome as a browser and I can save my passwords with them and it will sync to any other chrome browser if I’m logged in as a user.  I used in the past but it doesn’t have any sharing capability or any of the password generation features that Lastpass has.Continue Reading

Take Control of Your Tax Bracket – Weekend Ramblings

Take Control of Your Tax Bracket

I hope the Canada Revenue Agency doesn’t come after me for writing this post If too many people read this article then our government will never have a balanced budget lol. Since it’s that time of year again the topic I’d like to discuss today is income tax, and how rich people are able to dramatically reduce their taxable incomes because they understand that tax brackets are a moving target, and we all have the ability to manipulate our income tax rates as we see fit…

The Olympics of Investing

The Olympics have been at the top of many peoples mind as athletes from around the world congregate in Sochi to compete in events that they have been preparing their whole lives for. It is an exciting time that instils pride in ones country and an opportunity for the host country to showcase all of its accomplishments. It is also a period that requires a large amount of planning, as host countries need to be able to handle an influx of visitors who will for the most part all be concentrated in a relatively small geographic region. With this in mind, it would make some wonder if there is an investment opportunity related to countries that host Olympic events.

Having A Car Is Expensive

Back in the fall, I wrote a post called How much is your car costing you?, where I calculated that I was spending around $300/month for gas and insurance (11% of my net monthly income). And that didn’t even include maintenance like oil changes, repairs, or the actual cost of buying the car.

Even though I concluded that having a car was a clear “want” and not a “need,” I still depend on my car to lead the lifestyle I want for myself. Deciding to live in the suburbs, that’s the choice I made. And it’s the right choice for me now, but I’m not sure if it’s the right choice for me in the future…Continue Reading

Should I Get A Real Estate Agent? – Weekend Ramblings

Should I Get a Real Estate Agent?

Our feet are still stuck in two feet of snow but it’s time to think about what happens each spring: the largest number of real estate transactions. But here’s the catch; housing transactions conclude in spring, but they start in February. The best time to sell your house is definitely in February and March. This is when most people put their house up for sell in the hopes of finding a buyer quick enough to move in the spring or early summer time. As we approach the crucial moment to put a “for sale” sign in front of your home; the $20,000 question is: Should I Get a Real Estate Agent?

Why A Mortgage Vacation Might Be the Most Expensive Vacation You’ll Ever Take

Who doesn’t enjoy a nice, relaxing vacation? When you hear “mortgage vacation,” you probably imagine yourself lying on the beach, sipping on umbrella drinks. Although you have the vacation part right, you forgot the most important part – your mortgage. A mortgage vacation lets you skip paying your mortgage for a few months after you’ve made mortgage prepayments – with a catch.

How RBC Funds Compare Against Index Funds, ETFs

Thomas Edison was dubbed a wizard when he created the electric light bulb. The Wright Brothers became American icons when they flew the first airplane. But when John Bogle created the first index fund in 1975, it was labelled Bogle’s folly. That a passive collection of stocks could outperform most professional money managers was considered a joke. Now, nobody’s laughing. Vanguard’s Total U.S. Stock Market Index, thanks largely to its popular, lean-cost structure, is now the largest fund on the planet.Continue Reading