Author Archives: braunfinancial

Where Does My Money Go?

If you ask the average person what they spend all their money on, they’ll likely have trouble telling you. Bills, the kids, entertainment. At the end of the month, few people really know where the money went. The nearly empty … Continue reading

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Will I get a Refund?

I remember when I was younger and getting my taxes done always felt like a bit of a gamble. Would I walk out owing money or would I get a refund?  As the years have gone by and I’ve learnt … Continue reading

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Taking Credit

What is the difference between refundable tax credits and non-refundable tax credits? Most tax credits are non-refundable. This means that once you’ve reduced the income tax that you owe to $0, any remaining credits can’t be used. Another way to … Continue reading

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Spousal RRSPs: A Way to Pay Less Tax as a Family

Why would I contribute to a Spousal RRSP instead of or in addition to a Personal RRSP? A personal RRSP works on the concept that your taxable income during your working years will be higher than your taxable income during … Continue reading

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Benefits of RRSPs

Happy New Year! A good way to kick off the New Year is to make sure that you’ve made plans to pay as little tax as possible when it’s time to file your 2011 tax return. RRSPs provide a great … Continue reading

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Investing with Guarantees: Segregated Funds

If you’re like most people, you’ve gone to the bank do your investing. You didn’t realize that you had other options. If you weren’t interested in GICs, you were likely sold a mutual fund. What’s a Mutual Fund? A mutual … Continue reading

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The Value of Advice

Investing is a long term process. It works best when you have a goal in mind and a professional by your side to walk you through it. Investing may feel like a rollercoaster when you go it alone, but working … Continue reading

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What’s in a Dividend?

As the markets turn and churn, the stock-picking advice that has resonated across the board from advisors and analysts alike has been: If you’re going to invest in equities, look for dividend payers. Choose companies with strong balance sheets that … Continue reading

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The Disability Tax Credit

Does someone you know need help doing the things that we take for granted? Or, over the past year, has age or an unforeseen event affected the way you do the necessary activities of each day? Activities like hearing, speaking, … Continue reading

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