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US dividends paid into a TFSA lose 15% before they reach you, and you cannot claim it back. What it costs, why an RRSP is treated differently, and when it is worth rearranging.
2026-09-29
A Vancouver adviser grew a TFSA to $617,371 and the CRA taxed most of it as business income. What the Income Tax Act actually says, how the CRA decides, and what to do if you trade often.
2026-09-28
Your credit card gives you at least 21 interest-free days, on one condition: pay the full statement balance. Pay a dollar less and many banks charge interest back to the day of each purchase. How the grace period works, and six habits that keep it.
2026-09-13
Canadian law caps your liability for card fraud at $50, stops your bank raising your limit without asking, and gives you an independent referee when a complaint goes unresolved. Five rights, what each means in practice, and where it comes from.
2026-09-06
Your bank withholds 10% to 30% on an RRSP withdrawal, but that is a down payment, not the bill. Why working Canadians usually owe more in April, and what it costs beyond the tax.
2026-09-01