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Why e-Scooters Should be Banned 2021

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Electric Tricycles also known as aTrikesa offer you additional comfort and balance apart from being environmentally safe to use. They have been around for…

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Having a job right now means longer hours and slow pay growth

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Wuhan virologist Dr. Shi Zhengli denies COVID-19 lab leak theory in rare interview

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How to shop on Amazon Prime Day 2021 - all the tips and tricks you need to save the most money possible

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The best early Amazon Prime Day deals happening now, including discounts on Apple AirPods Max, Audible, and Anova Sous Vide

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Internet Banking and Privacy Policies

Privacy policy legislation affects internet banking just as it does any other type of banking establishment. You might want to keep your personal information private. If so, it is good to know how your bank treats privacy policy. A study was done to determine how well different banks, including internet banking companies, dealt with privacy [...]

Books on Internet Banking

There are many intellectual books on internet banking. There seem to be few that the average person can read and understand. With a little investigation at your local bookstore and online, you can find some fairly recent books that have something to say to the average consumer about internet banking. Scams and Swindles: Phishing, Spoofing, [...]

Problems with Internet Banking

Most people who have accounts with traditional banks do some internet banking now. Some are hesitant because of problems they see in the industry. While there are some disadvantages to internet banking, many of the problems start with the consumer. For example, there are still quite a few people who do not use internet banking [...]

Time Management a Itas Not Work That Kills You

Talking of good time management, the first thing that comes to our mind is our professional work or household duties. People say they spend a lot of time in the workplace, hence, do not have time to spend with their family or on themselves. Wrong! The fact is people waste a large amount of time [...]

Phishing And Fraud a What Is It?

Phishing is a very sneaky type of fraud conducted over the Internet. Its name is a throw back to the early days of hacking and identity theft and the practice of phone phreaking. While there can be very complicated schemes devised, they are all based on a very simple concept. Phishers try to persuade you, [...]

Steps To Take If You Are A Victim Of Identity Theft

Identity theft can be one of our worst nightmares, since the stolen identity is always used for illegal purposes. Apart from having your identity stolen from you, you could also become a target of litigation from parties hurt by the actions of the identity thief. So what should you do if you ever become a [...]

How to Prevent Identity Theft

In 1996, Mari Frank lost her identity to an internet hacker when a stranger accessed her credit report online. Ten months later, Frank, of Laguna Niguel, California, had a creditor call him about “her” outstanding debt and it was a lot, a huge lot, including payments for a red convertible that she apparently bought. What [...]

Understanding An Adjustable Rate Mortgage

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Questions From an Identity Theft Victim

Identity theft is a crime in which the imposter obtains key pieces of information such as Social Security and driver’s license numbers to obtain credit, merchandise and services in the name of the victim. The victim is left with a ruined credit history and the time-consuming and complicated task of regaining financial health. The imposter [...]

APR and FEES Credit Cards

Many card providers calculate APR based on several tables. The APR is part of the package when receiving a credit card that you must understand to avoid debt. Nowadays, nearly any company that offers consumers the ability to pay their debts via phone will charge a fee. The fee sometimes starts at $1.50 and reaches [...]

Get a credit card with a low interest rate

Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that [...]

What You Need to Know about Identity Theft

When somebody uses your personal information, such as your name, address, phone number, credit card number, social security number and so on, with the intent to fraud or deceive, then they are committing identity theft. Typically, the information is used for financial gain by the thief. It may be to make unauthorized charges on your [...]

A Credit-free Card: What is a prepaid credit card?

In this high-tech era of computers and machines, the purchasing power of people is mostly based on credit. Nowadays, credit cards are almost indispensable in almost any business transaction. For one, nobody can purchase anything online without a credit card. People who have a poor credit history though, will have a hard time getting or [...]

How to Prevent Internet Banking Fraud

Internet banking, like any other business arena, is susceptible to fraud. Phonies abound in every type of business, and this is no different. Yet, there are some ways you can prevent being taken. One kind of fraud is done on fake bank sites. These are look-alike sites that imitate your internet banking website. They sometimes [...]

Capital One Financial Cards

We all need money to live to tell the tale and from time to time when our cash is low, a credit card can come in handy. Credit cards can also come in handy if you are traveling. Since, most people hate to carry cash while traveling they will often use a major credit card. [...]

How to Keep Your Internet Banking Account in the Black

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Red Alert Credit Cards

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More Than Meets The Eye: What Is A Chase Credit Card?

With so many credit cards dominating the market these days, people can no longer tell the difference between one card to another. It all seems like a wide array of credit cards all committed to provide the consumers with substantial means in cashless shopping. However, there is one credit card that aims to be above [...]

For Reality: What Is A Low Apr Credit Card

Shopping had never been lousy since the advent of credit cards. Since then, people had always been indulging into various cashless shopping due to the convenience of the credit card. However, most people get credit cards only for the sake of shopping. They do not even read the fine print on their credit card and [...]

Asian Countries Worried About Identity Theft

For many people in Singapore and other Asian countries, theft of their identities is the biggest worry they face, according to the latest Security Index. Eighty percent of people who were surveyed in Singapore along are worried about others stealing their identities or using their credit cards without their knowledge. Hong Kong and Malaysia had [...]

Two jobs plus income from three rental units still not enough to secure Ontario woman's retirement

A woman we’ll call Brooke, 46, lives in Ontario with her son, Carl, who is 13. A school teacher, each month she earns $7,724 from her job before tax, $600 from doing tutoring privately and $1,200 from renting a room in her home. That’s $9,524 per month or $114,288 per year. After 26 per cent average tax, she has $84,575 or $7,047 per month. She adds $202 from the Canada Child Benefit and $300 child support, neither taxable, for after tax income of $7,549 per month. She wants to retire in nine years at age 55. ”Will retirement work five years before I can take CPP and 10 before OAS?” Brooke would need to plan for her assets and pensions to support her for about 40 years.

e-mail andrew.allentuck@gmail.com for a free Family Finance analysis

Family Finance asked Derek Moran, head of Smarter Financial Planning Ltd. in Kelowna, B.C., to work with Brooke.

“She is doing well in financial terms,” Moran says, but will need to address her priorities in the right order.

A question of sequence

Brooke’s priorities speak for themselves: Post-secondary education starting in seven years, paying off the outstanding mortgage balance in 15 years and retiring in nine years at age 55 with a pension of $53,650. Timing is everything, for in the next decade she must accumulate sufficient investment assets to provide income to fill some of the approximately $46,658 gap between her pension and present income, while at the same time saving for Carl and paying off her mortgage.

It is usually a good idea to retire with no debts. Brooke’s present $286,000 mortgage balance, costs her $1,740 per month. She could add $1,000 per month so that it would be paid in full when she retires in a decade, but, she says, she does not have enough cash flow after living costs and paying down her $50,000 home equity line of credit to raise payments that much.

In reality, if she totes up all her income sources, she does have the means to complete an accelerated payoff. Her $50,000 Home Equity Line of Credit could also be paid down by raising $3,000 annual payments to $5,500. A little more tutoring would cover it. Even if she carries the HELOC into retirement, she will have income to service the debt, Moran estimates. Using present spending and income from 55 to 65, she can do it.

Building retirement income

Brooke’s RESP has a $21,750 balance. She adds $50 per month and $200 now and then, but she appears not to be making full use of the annual maximum $500 maximum Canada Education Savings Grant. If she raises her contributions to $2,500 per year, the CESG will provide the top-up to $3,000. Looked at as an investment, the CESG offers an instant 20 per cent profit.

The present RESP balance plus $3,000 annual contributions, growing at three per cent per year after inflation for the four years to age 17 when the CESG stops would grow to $33,300. That sum would provide three or four years of tuition and books for most post-secondary institutions in Ontario. Summer jobs could make up the difference.

If Brooke is to retire at age 55, she will need income in addition to the base pension of $53,650, which would only leave $44,039 after 18 per cent average tax. That works out to $3,670 per month, would not cover even a slimmed-down monthly budget of $4,344, including present mortgage payments and $275 per month for life insurance.

There are economies she can make. She could cancel $274 per month for life insurance on top of the one-year’s annual income her job provides. At her death, Carl will inherit her estate with perhaps $600,000 to $700,000 in value. She does not need to have insurance to benefit Carl, Moran explains.

Brooke has $1,000 in her RRSP and nothing in a TFSA. In her bracket, contributions to an RRSP can produce a tax refund of about 43 per cent — her marginal tax rate. She is limited by the Pension Adjustment to a limit of 18 per cent of gross income less pension contributions through her work. We can estimate that she has $9,000 RRSP room each year. She can add $3,000 per year without strain. If she does add $3,000 per year to her present $1,000 RRSP balance and if the total grows at 3 per cent per year after inflation for 10 years to her age 56, it will become $36,800. This sum, annuitized to pay out all income and principal for the following 34 years to her age 90 would generate $1,700 per year.

Retirement income

Her income from retirement to 65 when she can access full CPP and OAS benefits would be her pension $4,470 per month including a $581 monthly bridge to 65, and $1,700 from her RRSP. That’s $6,170. Add tutoring at $600 per month and she would have $6,770. If she continues to rent a room for $1,200 per month, her retirement income would be $7,970 per month before tax. She would no longer have income from the Canada Child Benefit nor child support, but after 23 per cent average tax, she would have $6,137 per month to spend. That would be a margin of about $2,000 over cost with no debt service nor life insurance or child care costs.

From age 65 onward, she would have her base pension, $46,668 per year, estimated Canada Pension Plan benefits of $11,994, and Old Age Security of $7,362 per year. If she has stopped renting a room and tutoring, that adds up to $66,024 before tax. After 15 per cent average tax, she would have $4,675 per month to spend, a little less than the $5,000 she spends now. With no child care, debt service, or life insurance premiums, she would have substantial discretionary income.

She can raise educational savings for Carl. Child support payments from her ex-husband and the Canada Child Benefit would have ended by the time Carl is 18, but she can fill the gap by tutoring, as she has often done.

3 Retirement Stars *** out of 5

e-mail andrew.allentuck@gmail.com for a free Family Finance analysis


This couple has no kids, no debt, but can they afford to take on a $500,000 mortgage in their forties?