All retirees and near retirees need to run the numbers. They need to create an optimized retirement cash flow plan. A cash flow plan will show you the optimal time to take CPP and OAS, and then how to create income from your RRSP/ RRIF/LIFs, TFSAs, Taxable accounts, pensions and other sources of income. You’ll discover the most durable and tax-efficient approach for your retirement. A successful retirement cash flow plan often ‘finds’ tens to […]

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    Gift cards can be great gifts, but only when they’re for stores or restaurants you actually use. We’ve probably all received a gift card that ended up sitting in a drawer because we had no plans to use it. Instead of letting an unwanted gift card collect dust, you may be able to…

If you’ve searched some version of “does passive income actually exist,” you’re not being naive. You’re being appropriately skeptical. Someone I had just met said it more bluntly at a friend’s house recently. He told me flat out he didn’t believe passive income exists. His reasoning: “It’s a fantasy. The idea that you can do nothing and get paid.” He’s not wrong about the thing he’s describing. He’s just describing the wrong thing. This distinction […]

Every month since 2017, I have written an article that shows the growth of our passive income. Over the last couple of years, I’ve added some of my annual goals (New Year’s Resolutions). This is usually where I add some personal stuff. My wife was on work travel for two weeks, so my time was focused on being able to get the kids to camps, karate, etc. while managing the busiest month of dog boarding […]

Here’s my monthly survey of the best interest rates on cash as of August 2026, roughly sorted from shortest to longest maturities. Banks and brokerages love taking advantage of idle cash, and you can often earn more interest while keeping the same level of safety by moving to another FDIC-insured bank or NCUA-insured credit union. Check out my Ultimate Rate-Chaser Calculator to see how much extra interest you could earn from switching. Rates listed are […]

I don’t know about you but I breathed a sigh of relief when the cash-like asset rules for stocks and shares ISAs were announced. They were nowhere near as bad as I feared. Money market funds (MMFs) are the only investment HMRC has defined as a cash-like asset. .memberful-global-teaser-content p:last-child{ -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent); mask-image: linear-gradient(180deg, #000 0%, transparent); } This article can be read by selected Monevator members. Please see our membership plans […]

This one is a doozy. As you may have heard, Telus cut their dividend by about 55%. This was a big one for the portfolio and my annual dividend income dropped by about $1200. It will take quite a lot more money invested to make … Read moreJuly 2026 Dividend Income Update The post July 2026 Dividend Income Update appeared first on Genymoney.ca.