When the first heatwave of the summer hits and people suddenly decide the time is right for a pool, too many of them end up being disappointed because of delivery delays, shoddy installation and higher than expected costs. We’ve put together a few tips to help you make a smart purchase.

According to the 2014 edition of the annual Andex Charts, the average return on Canadian, U.S. and international equities has varied between 9 and 11% since 1950. That means a $100 investment in the S&P 500 in 1950 would have been worth more than $66,000 by 2014 (660 times the initial outlay). This result demonstrates the value that stocks can create for long-term investors.

Treasury bonds are short-term borrowing titles which serve to finance the debt and borrowing of a government. Treasury bonds usually have a maturity of three months to one year and are sold in denominations ranging from $1,000 to $1 million.


Going on an all-inclusive vacation to Cuba sure is nice once, even twice… but eventually, you want to switch it up.

First $5,000, then $5,500 and now $10,000; since the Minister of Finance, Joe Oliver, tabled the latest federal budget on April 21, Canadians are able to contribute almost twice as much to their tax-free savings account (TFSA). This is excellent news, but it is important to know some good strategies on how to use TFSAs.

A tax credit refers to an amount of money that can be used to offset any tax liability that an individual or business may have. The value of a tax credit varies according to its specifics, but unlike deductions and exemptions, tax credits are typically non-refundable and can be applied only to tax debt, if any.