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What Did TD Bank Do Wrong?

Over the course of the past week, a spotlight has been firmly fixed on the sales practices of Toronto-Dominion Bank (TD). A number of current and former employees have come forward to expose TD for putting excessive amounts of pressure on employees to either meet sales targets or...
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2017 Goals

In my earlier years, I never believed in using the beginning of the year to set goals. I preferred to take things as they come. Since taking an interest in personal finance, however, I’ve learned to appreciate setting milestones. You can’t hit the target if you don’t have...
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2016: Year In Review

Word of the year for 2016: Unbalanced. While I was able to make sizeable gains in terms of cash on the sidelines, I made a limited number of acquisitions. Likewise, while I spent the majority of my productive waking hours at work, I contributed less to this website...
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Election 2016: The Calm After The Storm

As a Canadian intimately interested in the political scene, it is always particularly intriguing to notice how the American presidential run-up is far more closely followed even within our borders than the Canadian election season. This year’s campaigning with the polarizing candidate of Donald Trump took on a...
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I Love Taxes

It seems that just about anyone you speak to hates taxes. Even those who profit directly from providing tax advice hate to pay taxes. How often do we hear, “I’d sell it but I just don’t want to pay the taxes” and other similar refrains? What upside could...
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The Economics of Beginning on Guitar

My favourite sorts of hobbies are those where there are initial start-up costs, after which point the ongoing maintenance falls off considerably. Chess, for instance, costs ~$20 for a decent chess board that comes with a travel canister to roll the board into along with the pieces. Aside...
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Compound Interest

When an investor makes a loan, they typically expect the recipient to pay interest to compensate for use of the money. So, on a loan of $200 with an interest rate of 10%, the investor would be paid $20 of interest. As much as receiving 10% on a...
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2016 Goals

Having just completed my review of 2015, it is time to leave the past twelve months and project ahead for the dozen to come. Rick will be providing his goals in a separate article (or I may simply amend this one when he’s got his down on paper)....
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2015: Year In Review

Self-reflection is a continuous process. The self-aware individual is constantly assessing what they’ve done and what they’re doing to figure the best way to proceed going forward. The end of the year, however, serves as a logical place to take a breath and actually take stock of how...
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Have You Finished Your Christmas Shopping?

We’ve all heard the question. Getting this close to the holiday season means being bombarded with questions from family, friends, and even downright strangers regarding our spending habits. Everyone wants to know whether you’re giving or whether you’re Scrooge. There is no in between for so many. How...
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