Cutting Costs

Getting  a refund for services not received

Getting a refund for services not received

I haven’t been posting much lately because I’ve been really busy with client projects and writing more at the end of a long day seems too much like more work. But recently  Kerry K. Taylor aka Squawkfox inspired me to contest a credit card billing where the services I paid for were not received and I got $79.03 back with very little effort on my part. So I figured the least I could do ... »

Is paying tuition, student loan with Aeroplan points a good deal?

Is paying tuition, student loan with Aeroplan points a good deal?

When I read this week in the Toronto Star that you can now pay down an Ontario student loan (OSAP) using Aeroplan points, my first reaction was that no students I know can afford to travel frequently enough to rack up a slew of airline points. But after reading further, I discovered that grandparents, parents and other generous benefactors can also convert points into cash and direct the money to ... »

How to hire a caregiver

How to hire a caregiver

My Mom is 87 and lives in a two-bedroom condominium. Over the last few months it has become increasingly difficult for her to manage on her own, particularly since she gave up her driver’s license late last year. It is her wish to stay in her own apartment for as long as possible, so initially we hired a lady through an agency a couple of times a week primarily to drive her to appointments and tak... »

Media scan: Week of March 23rd

Media scan: Week of March 23rd

This week I posted on Retirement Redux How the medical tax deduction can save you money and Anti-Fraud month: Seniors scams to watch out for. How hiring a professional organizer can save you money appeared on savewithspp.com and Here’s some clarity on workplace benefits was featured on Brighter Life. Here are some of the interesting blogs and articles I read. Blogger and pension analyst Sean Coope... »

How the medical tax deduction can save you money

How the medical tax deduction can save you money

  Medical expenses for you, your spouse or common-law partner, and dependent children under 18 are claimed on line 330 of the federal tax return. I don’t know anybody who wants to pay more taxes than they have to, but medical expenses are one area where many Canadians of all ages may be leaving money on the table. There are several reasons why this may occur. First of all, only expenses in ex... »

Media scan: Week of March 16th

Media scan: Week of March 16th

This week I wrote 8 things I learned on my vacation and How to reform retirement savings for retirementredux.com. Is your company car a free ride? was posted on BrighterLife.ca and What is a prescribed RRIF? appeared on savewithspp.com.  Here are some of the interesting blogs and articles I read: On RetireHappy, government benefits guru Doug Runchey wrote Understanding the OAS clawback. Runchey sa... »

Media scan: Week of March 9th

Media scan: Week of March 9th

I enjoyed our two week break from winter weather and from writing but now it’s back to spring weather (for as long as it lasts) and back to business. This week I wrote A Tale of Two Retirees and Cutting of WSIB payments at age 65 not a Charter violation for RetirementRedux. Author Gail Bowen: A Saskatchewan Success Story appeared on savewithspp.com and Employee benefits: Taxable or not? was posted... »

Blockbuster Blogs: Week of March 2nd

Blockbuster Blogs: Week of March 2nd

When you read this I’ll be packing my bags to trade sand for snow again, but even after liberal applications of SPF 45, I hope my tan won’t fade for at least few days. This week I am linking to some blockbuster blogs. These are blogs that took on a life of their own as they were re-posted and referred to on weekly round ups of other bloggers. I’m pretty new at this game, but Why using my Aeroplan ... »

Media scan: Week of February 16th

This week I posted Should seniors be able to sell their life insurance and Majority of retirees enjoy their lifestyle on retirementredux.com. How much of your savings can you tax shelter? appeared on savewithspp.com. Here are some of the interesting blogs and articles I read: Ways to Save Money: How to Save Money Each Month is by Tom Drake on the Canadian Personal Finance blog. He recommends that ... »

Diamonds are a girl’s best friend

Diamonds are a girl’s best friend

Whether you are young or young at heart, as Marilyn Monroe sang in her movie of the same name, diamonds are still a girl’s best friend! But sometimes the best comes to those who are willing to wait. We typically think of diamonds as the gem of choice for a proposal on Valentine’s Day or any other day of the year. But the truth is that many of us were young and poor when we started out together and... »

Why my financial planner is a great investment

Why my financial planner is a great investment

Rona Birenbaum: Caring For Clients My husband and I have been working and saving all of our lives. Our house is paid off and we have no debt. But like almost everyone looking ahead to retirement we didn’t really know how much money we need to retire comfortably. So we decided to consult independent, fee-for-service financial planner Rona Birenbaum at Caring for Clients. I have interviewed her for ... »

Media scan: Week of January 26th

Media scan: Week of January 26th

  This week I wrote Long term care options for seniors: How much will you pay?  and Is Long Term Care Insurance really worth It? on retirementredux.com. How to get the life insurance you need was posted on savewithspp.com. On Brighter Life two new Working It Out columns appeared: How your RRSP can help you buy a home and How much should you save for retirement? Here are some of the interestin... »

Media scan: Week of January 19th

Media scan: Week of January 19th

This week I wrote Tax breaks for seniors and Why locking in doesn’t make sense on retirementredux.com. My “Working it Out” column Give your RRSP contributions a raise was posted on Brighter Life. Here are some of the great articles and blogs I read, with a special section for analysis of the sudden and unexpected drop in the overnight target interest rate to .75%. On Money We Have, Barry Choi wrot... »

Tax breaks for seniors

Tax breaks for seniors

     If you turned 65 in 2014 you could be eligible for some lucrative tax breaks when you file your return in April. Other deductions are also available to younger tax payers but you are much more likely to take advantage of them as you age. Here’s what you need to know: Age Amount: You and your spouse can each claim this amount if you were 65 years of age or older on December 31, 2014.... »

Media Scan: Week of January 12

Media Scan: Week of January 12

  This week I wrote How I got an unexpected pension windfall and Saskatchewan author Gail Bowen releases new book at age 72. My interview and podcast Gail Vaz-Oxlade: Achieve financial literacy on mymoneymychoices.com and Flipp app is the easy way to browse flyers were posted on savewithspp.com. Her are some of the great blogs and articles I read. Brighter Life has named their favourite healt... »

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