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FIRE retire at 40

Retiring at 40 FIRE!

What does FIRE mean to most folks? Retire by 40? But which 40 are we talking about here?

e-series orders rejected

TD Mutual Funds to Directline?

How hard could it be to transfer funds from a TD Mutual Fund account to a TD Directline account? Surprisingly it is not as easy as it sounds.

Happy New Year

Happy New Year 2022 and #MoneyTalk

Happy New Year 2022? Can we even say that yet? After 2021, maybe let’s just say, “We hope for a Happy New Year” and leave it at that.

Over the year we have seen wave upon wave of COVID. Now we are seeing Inflation coming on strong, and natural disasters monthly. All in all a wonderful year.

I have been unable to write much due to work and family issues. I have learned a great deal about Dementia and how the Quebec Legal system works, which has been, enlightening.

Some Numbers to End 2021

Inflation (year over year November 2021) 4.7% ⬆️
Bank of Canada Overnight Rate December 24 th 0.25%
Unemployment Rate (as of November 2021)6.0%
Real GDP By Expenditure (Q3 2021)(quarterly change)1.3%
The population of Canada (Est Q4 2021)38,436,447
CIBC current prime rate2.45%
BMO current prime rate2.45%
Scotiabank prime lending rate2.45%
TD prime lending rate2.45%
Tangerine prime lending rate2.45%
Some Useful Financial Data for Canadians as of December 31st 2021

Inflation is the scary one. So far, no reaction with Interest Rates, but they are promised some time in 2022.

COVID19 Data Canada

Click here to find an up to date graphic from the Government of Canada

Total Cases1,945,754
Total Deaths30,131
Data as of December 30th 2021

The number of cases is much higher from this time last year, but the number of deaths has doubled.

Read More »Happy New Year 2022 and #MoneyTalk
cpp ei max 2022

CPP and EI for 2022

How much CPP and EI will be coming off your pay in 2022? Depends on where you live, but here are some tables to help you out (and reference points for others)

Merry Christmas 2021

It has been quite the year. There is hope that the coming year will be better. I have said that a few times, but 2021 certainly does fit the bill.

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