Sustainability Isn’t Black and White


It was a only few years ago that I became aware of the environmental crisis. I started to change some of my daily habits and had to learn a lot. I began reading various environmental books on how to reduce energy use and pollution, while bring pro-active. In the various books that I read, there was a simple (and cliche) mantra that stood out. It's one that I am sure you've heard before. Reduce, Reuse, and Recycle. If I am being honest, I had to learn recycling all over again. I am sure that it was covered in elementary school, but…

Peace of mind with a quick, easy home insurance quote


Your home can change just as quickly as your life. Which is why at Halifax, we know getting the right home insurance quote will be important to you. So why not see if we can help you cover some of your most treasured items at a price that’s right? If you’re currently looking for home insurance, you’ll probably have noticed there are two main types of cover out there to consider. These are known as buildings insurance and home contents insurance and each does a very different job. However, at Halifax we can offer you a quote for both –…

Do Parents Have To Help?


In Rob Carrick’s most recent offering he talks about how he feels parents should be prepared to help their children out in their quest to graduate from post-secondary education without a crushing load of debt. I have also heard many other personal finance gurus claim that tough love is the best method for teaching financial awareness at a young age, and that saving for your retirement is a much more important goal than helping out your children. It seems to be one of those weird topics where smart, rational people disagree intensely. The Middle Ground Like most instances where there…

Want to Boost Your Savings? Consider a TFSA


One of the most interesting options that Canadians have when it comes to saving money is the Tax-Free Savings Account (TFSA). This account provides you with the opportunity to set money aside in a flexible investment account, allowing your contributions to grow tax-free. The TFSA provides you with a way to boost your savings, since you don't have to worry about paying taxes on your earnings, whether it's the interest from GICs, dividends, or capital gains. Your money grows faster, and you have access to it anytime you want. Indeed, the TFSA is practically a no-brainer. Eligibility and Contributions If…

How to Negotiate Anything


The Negotiation (Photo credit: Wikipedia) You negotiate with your friends and family all of the time over countless topics, such as what movie to watch or whose turn it is to wash the dishes. When it comes to negotiating with strangers, however, you may fall apart. Negotiation is a skill anyone can learn. Like anything else, some are better at negotiating than others. However, even if you're a hopeless introvert, you can apply the following seven points to buy or sell a car, hammer out a deal with a contractor, get a raise, or pay a reduced balance on a…

What is Freecycling?


  One of the growing trends, especially as frugality becomes more popular, is freecycling. Freecycling is the practice of giving your stuff away for free in order to avoid adding to a landfill. It's also possible to find free items when you are part of a freecycling group. Not only is freecycling popular amongst frugalistas, but it is also popular because it is also generally considered environmentally friendly.  How Does Freecycling Work? While it's possible to engage in freecycling simply by giving your things away, and taking advantage of items that others are giving away, many people like to join…