By Tammy Johnston

Our dear friends at Canada Customs and Revenue Agency (CCRA) are always out to take as much money out of our pockets as we will legally let them.  It is our job to be constantly vigilant to not let them take one penny more than they are allowed.  Remember the government is not your friend. Continue Reading

By Tammy Johnston

Tis the season to be saving … fa la la la la la la la la.  RRSP season is upon us and many people are rushing to make their contributions to get the forever sought after tax receipt.  Continue Reading

By Tammy Johnston

Love it or hate it the cell phone with all its trappings is here to stay.  Texting, instant messaging, iPhone and Blackberry apps, cameras, and video.  The list never seems to end.  Whether you view the cell phone as a tool or as a torment mainly comes down to how you use it. Continue Reading

The markets go up and the markets go down.  The markets go up and the markets go down.  The markets go up and the markets go down.  Repeat indefinitely.  That is the story of investing.  Continue Reading

Ask any business owner if they are busy and you will get a resounding, “YES!”  There is never a shortage of things that clamour for the business owner’s attention.  The question is not whether or not they are busy, the question is, are they moving forward or just chasing their tail?  Continue Reading

Okay, so last week we learned that maybe the investment advisor down at the bank singing the “you could lose it all” song might not be truly looking out for your best interests.  But yes, the stock market is turbulent.  Continue Reading

We have all heard the saying, “The customer is always right.”  Well like all hard and fast rules there are exceptions.  I would like to update the saying just a bit, “The right customer is always right.”  The challenge is knowing who the right customer for you is. Continue Reading

By Tammy Johnston
When you talk about investing RISK is a four letter word.  With all the ups and huge downs in the market who wants to risk losing their hard earned money to a stock market downturn?   Continue Reading

Tammy Johnston of The Financial Guides

Every parent wants their children to grow up to be financially responsible.  They want them to be able to look after themselves, achieve the Canadian dream of home ownership and financial security.  The big question that parents have is not What, but How?  Continue Reading