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Dec 8: Best from the blogosphere

Posted by on Dec 10, 2014 in Consumer savings | 0 comments

8 December 2014 By Sheryl Smolkin Continuing with a Christmas theme this week, we bring you blogs with ideas about how to decorate, eat and shop frugally during the run up to the big day. On Free Home Decorating Ideas, check out Cheap Christmas Decorations including paper cut-outs of snowflakes that create a visually striking Christmas curtain, novel inexpensive ways to wrap your gifts and a budget centrepiece. WooHome.com features Top 46 Outdoor Christmas Lighting Ideas to Illuminate the Holiday Spirit....

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Mark Seed is his own advisor

Posted by on Dec 10, 2014 in Interviews, Investments | 0 comments

4 December 2014 By Sheryl Smolkin   Hi, As part of the SaveWithSPP.com continuing series of podcasts with personal finance bloggers, today I’m talking to Mark Seed, author of the popular blog My Own Advisor. Mark’s day job is Senior Designer of Quality Management Processes at Canadian Blood Services in Ottawa, but he is passionate about personal finance and investing. He started investing in his early twenties after reading David Chilton’s, The Wealthy Barber. For the last five years, Mark has...

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Dec 1: Best from the blogosphere

Posted by on Dec 10, 2014 in Consumer savings, Quality of Life | 0 comments

1 December 2914 By Sheryl Smolkin Black Friday (imported from the U.S.) will have come and gone when you read this, but if you haven’t already started your holiday shopping, the beginning of December means the pressure is on to get it done without breaking the bank. Kerry K. Taylor says on Squawkfox that using the Flipp app on your Android, BlackBerry or IPhone is the easiest way to browse flyers/weekly ads and save money. With more than 80 of your favorite Canadian stores at your fingertips, you can...

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BOOK REVIEW: 397 ways to save money

Posted by on Dec 10, 2014 in Consumer savings | 0 comments

27 November 2014 By Sheryl Smolkin Earlier this year we interviewed Kerry K. Taylor aka Squawkfox as part of our Personal Finance Bloggers series. Although Squawkfox has been blogging infrequently over the last few months, her blog continues to be a hilarious and invaluable resource for money saving tips. So when I was looking for books with great cost containment ideas to review for savewithspp.com readers I was delighted to come across Kerry’s book “397 ways to save money” published in 2009. As I...

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Nov 24: Best from the blogosphere

Posted by on Dec 10, 2014 in Consumer savings, Retirement | 0 comments

24 November 2014 By Sheryl Smolkin Do you typically buy a fistful of gift cards for holiday gifts? Just in time to save you a bundle, Boomer & Echo’s Rob Engen writes about How To Hack Gift Cards For Big Discounts. He suggests buying gift cards with your cash back credit card, the RedFlagDeals forum dedicated to buying and selling gift cards and purchasing discounted gift cards at Costco. Who knew? On Retire Happy, government benefits expert Doug Runchey explains that Receiving a partial OAS pension...

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More Saskatchewan residents living pay cheque to pay cheque

Posted by on Dec 10, 2014 in Consumer savings | 0 comments

20 November 2914 By Sheryl Smolkin More working Canadians and Saskatchewan residents are living pay cheque to pay cheque, As a result they are saving less and falling further behind in meeting their retirement goals according to the sixth annual National Payroll Week Research Survey, conducted by the Canadian Payroll Association (CPA).  Nationally, more than half of employees (51%) report that it would be difficult to meet their financial obligations if their pay cheque was delayed by a single week. In...

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Nov 17: Best from the blogosphere

Posted by on Dec 10, 2014 in Consumer savings, HR Issues | 0 comments

17 November 2014 By Sheryl Smolkin This week we are delighted to bring you a new blog from Squawkfox Kerry K. Taylor who has been on a blogging sabbatical for the last several months. Are you frugal or cheap?  includes a great graphic that answers the question. Kerry’s flow chart reveals that you are definitely frugal and not just cheap if saving a buck is not your ultimate objective; you would spend a little more for higher quality; you think long-term when making purchases; and, you do not prioritize...

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Retiree health benefits cost more for less coverage

Posted by on Dec 10, 2014 in Health, Insurance | 0 comments

13 November 2014 By Sheryl Smolkin If you haven’t factored health care costs into your retirement budget, it may be time to take another look. Saskatchewan Health Care covers provincial residents for a whole host of services including all medically necessary doctors’ visits and hospital care. But other services such as drugs (until age 65), dental care and physiotherapy outside an approved institution are typically not covered. Members of employer-sponsored group health care plans have some or all of...

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Nov 10: Best from the blogosphere

Posted by on Dec 10, 2014 in Income Tax | 0 comments

10 November 2014   Just before Halloween, Prime Minister Stephen Harper announced a limited income- splitting proposal, based on a contentious election promise from the 2011 campaign. The new measure which will be effective for the 2014 tax year allows a parent with children under 18 to transfer $50,000 of taxable income to a spouse in a lower income tax bracket. The maximum benefit is capped at $2,000. Whether you think this was “a trick” or “a treat” will depend on your tax bracket and whether...

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Looking for guaranteed retirement income? Think about an annuity

Posted by on Nov 11, 2014 in Retirement, Sun Life | 0 comments

By Sheryl Smolkin November 11, 2014 As retirement nears, the focus changes from building your nest egg to converting it into income. But how can you avoid outliving your money? — This is a vital concern, particularly when you’re looking at 30 or more years of retired life. Drawing down the capital and investment return from a registered retirement income fund, generating income through bonds or guaranteed investment certificates (GICs) or even just gradually withdrawing money from your bank...

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