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How to Navigate the Broken Scholarship System

Earlier this year, ScholarshipsCanada, a site that aims to match post-secondary students with scholarships and bursaries, put out a statement claiming that millions of dollars worth of scholarship money goes unclaimed each year. They cited the main reason for this unclaimed money was that students simply didn’t apply. Other scholarship databases, like yconic, also face…

Warning! 6 Ways Companies Are Pushing Your Spending Buttons

It’s tempting to believe that we make independent decisions, free from outside influence. I’m a grown-ass woman, I’ll tell myself. Ain’t nobody tell me what to do!! But just how true is this? How autonomous am I, really? I’d argue not very, and I don’t blame myself. There are a lot of businesses and organizations…

Cost and Incentives of Canada's Carbon Tax

For many Canadians, there is no more heated topic at the moment than the carbon tax.  While there has been much yelling and gnashing of teeth, the actual raw impact numbers have been difficult to come by.  The National Post and Globe and Mail recently released their thoughts on the fully-costed numbers arrived at by…

Money Hacking Your Brain: Make Savings a Must-Win Game

For better or worse, I was a competitive young child. I wanted to get the best grades and be the president of absolutely everything. I was a real pain in the ass to play board games with, and at times resorted to yelling and/or tears. Since then, I’ve calmed down significantly, realizing that board games…

Mutual Funds, ETFs, and Robo Advisors in Canada: June 2018 Update

Despite the surge in popularity of robo advisors and cheaper ETF solutions (including Vanguard’s new “all-in-one” passive investing portfolios) Canadians are continuing to invest in the good old-fashioned mutual fund.  Rob Carrick recently looked at the track record of the 100 biggest mutual funds in Canada with the help of Strategic Insight and Fundata. **Spoiler…