The concept of a GIC ladder is relatively simple: you invest money in GICs of varying term lengths, and when one term ends, you reinvest your returns into another longer term GIC. It’s a strategy that’s guaranteed to provide growth while still offering a good level of liquidity. Anyone just entering the market who chooses to begin investing in GICs can rest assured that they’. Source ..read more

Along with other identifying factors, every bank and branch in Canada has a bank routing number, something that’s used to identify the specific banking institution you’re dealing with. This number is typically a combination of a 5-digit transit number and a 3-digit institution number. While most people don’t really know their bank routing number off the top of their heads... Source ..read more

A Grocery Rebate is being offered as a top up for Canadians who receive the GST/HST credit payments as a way of compensating for how rising inflation has caused food prices to skyrocket. This payment will be made by the federal government to eligible recipients on July 5, 2023, alongside the regularly scheduled quarterly GST/HST credit payments. Despite this payment being made specifically to make... Source ..read more

This post is sponsored by HSBC. All views and opinions expressed represent mine and are based on my own research of the subject matter. If you’re a newcomer to Canada looking for a credit card to add value and convenience to your wallet, the might be just what you need. There’s no lack of valuable credit card options on the Canadian market and choosing wisely is essential for keeping... Source ..read more

For those who receive direct deposits, the Old Age Security (OAS) payment dates are typically at the end of every month, with the next payment set as June 28, 2023. Those receiving cheques can expect these to be mailed out on or near these payment dates. The OAS federal benefits program provides monthly payments for those aged 65 and up. It provides funding that eligible seniors can add to their... Source ..read more

The highest paying job in Canada is an anesthesiologist, with the top 10 jobs rounding out with a variety of medical, information technology (IT), and engineering positions. These jobs also require the most training and time in higher education, including lengthy internships, exam certifications, and other such requirements. While it’s always advised that you choose a career that you find... Source ..read more

Alberta students with disabilities may be eligible for up to 3 grants to support their disability-related post-secondary education costs, including the Canada Student Grant for Students with Disabilities (CSG-D), the Canada Student Grant for Services and Equipment – Students with Disabilities (CSG-DSE), Alberta Grant for Students with Disabilities (GFD). Paying for your education can be... Source ..read more

A certified cheque is simply a personal cheque that’s been officially approved by a banking institution. It’s a way to guarantee that you have enough money to cover the financial transaction that you’re making. Technically, it’s just a personal cheque with an official stamp on it. But it’s required in unique situations where writing a personal cheque just won’. Source ..read more

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The Residential Access Modification Program, also referred to as the RAMP program, provides funding to low-income Albertans who need to make modifications to their home to support their mobility challenges. Whether the funding is used for ramps, stair lifts, handrails, bathroom amendments, or any other modification that improves accessibility, eligible applicants can get full or partial coverage... Source ..read more