When it comes to managing your money, the accounts you choose matter — not just for convenience, but for how much interest you earn, how...

Most Canadians still keep their savings in traditional Big 5 bank accounts earning around 0.01–0.10 percent. At those rates, your money barely grows. Fintech banks, on the other hand, offer rates between 1.25 percent and 2.9 percent—sometimes more than 25 times higher than a traditional bank. This guide breaks down the real difference in dollars, shows how much you actually earn at each rate, and compares three of Canada’s leading fintech options: Wealthsimple, EQ Bank, and

High-interest savings accounts (HISAs) have become one of the easiest ways for Canadians to earn more on their cash without taking on extra risk. With interest rates changing frequently and traditional banks offering as little as 0.01 percent, choosing the right account can make a meaningful difference in your financial progress. This 2026 comparison outlines the top high-interest savings accounts in Canada, what makes each one stand out, and how to choose the right fit based

We’ve all made financial choices we wish we could take back. Whether it’s falling for the latest investment trend or swiping a credit card one too many times, the good news is that every mistake comes with a lesson. Here are some of the most common money regrets people share — and how to avoid them. Not Investing Sooner Time is your greatest ally in building wealth. Waiting to “feel ready” or trying to time the market often costs more in the long run than any short-term marke

The Investing Philosophy of Kevin O’Leary Kevin O’Leary—entrepreneur, investor, and “Shark Tank” personality—is known for his disciplined approach to managing wealth. While many investors chase trends or attempt to time the market, O’Leary prioritizes one core principle: controlling risk through proper diversification. His investing framework is built on two simple rules: Never invest more than 5% of your portfolio in a single stock. Never invest more than 20% of your portfol

Why Altcoin Research Matters The crypto market moves quickly. Thousands of new projects launch every year, but only a small percentage survive long enough to create real value. Whether you invest for the long term or trade short term, knowing how to analyze altcoins properly helps you avoid hype-driven traps and focus on projects with genuine potential. At Pacific Ledger, our crypto portfolio is held in Wealthsimple , where fees are lower than most exchanges. Step-by-Step Alt

Working Part-Time While on EI: How Your Payment Is Calculated Losing your job or having your hours reduced can be stressful when you’re managing bills, family responsibilities, and daily expenses. The good news is that if you’re receiving Employment Insurance (EI), you can still work part-time and keep a portion of your benefits. This guide explains: How your EI benefit amount is calculated How part-time or side income affects your payment A real example with numbers A simple

One of my favourite ways to build a diversified, long-term investment portfolio  is through broad market ETFs . These funds give exposure to entire economies or regions — often at a fraction of the cost  of actively managed funds. Whether you’re looking for emerging market growth, global diversification, Canadian stability, or U.S. tech dominance, here are the ETFs I like best in each category. Emerging Markets ETFs 1. iShares Core MSCI Emerging Markets ETF (IEMG) Issuer:  Bl

The $0 Marketing Playbook for Trades, Home Services, and Small Business Owners Tired of slow months, unpredictable leads, and relying on word-of-mouth? These 5 strategies cost nothing  to implement — but can consistently fill your calendar with new clients. Start with 2-3 this week and watch what happens 👇 1. Reactivate Your Past Clients (Email Activation) Most businesses are sitting on a goldmine of past customer emails  — and haven’t sent an offer in months (or years). 📩 

Running a business is exciting — but when it comes to finances, even smart entrepreneurs make expensive mistakes that can quietly drain profits, limit growth, and even put the entire company at risk. Whether you’re just starting out or scaling past six figures, avoiding these common traps can save you thousands of dollars and years of stress. Here are the five most common financial mistakes I see business owners make — and how to make sure you’re not one of them. 1. Not Setti

Most people think the wealthy are doing something shady to avoid taxes. But here’s the truth: the ultra-rich in Canada aren’t breaking the rules  — they’re simply playing by rules most people don’t even know exist . And the best part? You can use the exact same strategies. Today I’m breaking down 5 powerful tax loopholes  that wealthy Canadians use to grow their wealth faster, pay less tax, and protect their money — all 100% legally. Loophole #1 – Tax-Free Dividends to Hold

When you’re self-employed or running a small business, how you allocate your income  can make a huge  difference in how much tax you pay...

Everyone’s worried that AI and robots are going to take over the job market. And while it’s true that many roles will disappear or change...

For a long time, I thought “investing” meant buying stocks, putting money into crypto, or maybe saving up for a rental property. But...

Running a small business means wearing many hats—and unfortunately, tax expert isn't always one of them. Every year, countless...

Let’s be real—personal finance doesn’t have to be complicated. If you can follow a few core principles, you’ll be miles ahead of most...

When it comes to managing your business finances, bookkeeping and accounting are terms often used interchangeably. While they are closely...

LEGO isn’t just for kids anymore—it’s a serious investment opportunity for those who know what to look for. LEGO sets, especially retired...

Growing your car detailing business starts with one key goal: attracting more clients. Whether you’re just starting out or looking to...

British Columbia’s natural beauty and year-round demand for outdoor spaces make it a prime location for growing a successful landscaping...