HELOC For Consumption vs Investment


It seems every other day one can open a national newspaper these days and read about someone decrying the state of the average Canadian. The experts tell us we are so far in debt that we may never climb out and that this should be more than enough to scare us straight. It likely won’t be of course, because we are addicted to debt. “Live for the moment because you deserve it!” Isn’t that what targeted advertising campaigns preach to us endlessly? The fact is that not all debt is created equal, and I actually wish that I was 151%…

Canadian Dividend Stocks: Brookfield Renewable


There are a number of Canadian companies purporting to be sustainable right now, and many of these companies even pay dividends. Canadian dividend stocks have been rising to prominence in recent years as Canada receives attention for weathering the aftermath of the 2008 financial crisis. Many investors are looking to Canada as a source of opportunity. And, of Canadians are already interested in what's available to them in their home country. If you want to invest according to your values, and find sustainable companies -- or at least companies that are a little more eco-friendly than their competitors -- there…

Time of Use Meter or “Smart” Meter – What is it?


What is a TOU Meter or Time Of Use Meter (Smart Meter)? TOU is an electricity billing system that relates the cost of using a kilowatt hour (kwh) dependent on the time of day that kilowatt hour is consumed.  During "peak" periods when the electrical grid is under high demand the electricity consumer will pay more for a kwh than they would during off peak periods when there is less stress on the grid.  Special meters have been developed called "Time of Use Meters" to calculate this increasingly complex method of billing. Between now and 2025, Ontario must build almost…

Why “No More Lattes” Rarely Works


Who would’ve known that all this time we have been pouring caffeine-laced devil’s brew down our throats every morning?! If you’re not aware that the latte factor is the reason that we have poor people in the world, and are most likely the major cause of the growing income gap, increased student debt, and foreclosures, then you haven’t been reading many personal finance blogs lately. Seriously though people, what did poor lattes ever do to you? Why choose to single out that frivolous expense as opposed to our other frivolous expenses? I mean, how many people consume sodas, cigarettes, French fries,…

Green Tip #242: Sharing Toys


Anyone who has looked after kids knows that they have short attention spans. Moreover babies grow at such a rapid pace in their first year that a toy that was intriguing and difficult to manipulable one month is easy and boring the next. So you go through a lot of toys, keeping them entertained and aiding in their development. You can spend a lot of money on 1st year kids toys. SPF and I have bought toys both new and used and received others as gifts for lil' SPF. I was recently very happy to discover a toy library in town recently. It is…

What is Crowdfunding?


The current economic climate has encouraged many people to become interested in striking out and starting their own businesses. Technology has grown to the point that many people can start businesses, and earn money, with the help of the Internet. For those working from home, costs might be low initially, but expansion might require something more. And, of course, if you are a small business starting out in a different location you need start up cash immediately. Getting that cash can be difficult if you can't the angel investment you need, or the venture capital you require. And what if…