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9
Apr
2010

Make that tax refund pay!

By David Christianson, BA, CFP, R.F.P., TEP

I read recently that some 20,000 big screen TVs will be purchased in North America in the week leading up to the Super Bowl and the Olympics.  That makes me very afraid that you might use your entire income tax refund in a similar manner.
Think carefully about how to spend your refund, and whether you even want one [...]

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Categories: Financial Planning, Tax - planning

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11
Mar
2010

A sure thing for 2010 – paying less tax

By David Christianson, BA, CFP, R.F.P., TEP

Ah…the days are getting longer, the sun is higher in the sky, and there is that unmistakable smell of…fresh ink as tax slips are being removed from envelopes.
With the pace of economic recovery still uncertain, let’s focus on a sure thing for 2010 – reducing your income taxes and maximizing government grant money.
Use your current [...]

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Categories: Financial Planning, Tax - planning

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4
Feb
2010

Manitoba government pays grads to stay

By David Christianson, BA, CFP, R.F.P., TEP

If you (or someone you know) graduated since January 2007 from a post- secondary institute recognized by CRA, you should listen up.  The Manitoba government has some money for you, if you decide to stay and work in Manitoba.
The Manitoba Tuition Fee Income Tax Rebate adds an incentive for graduates to stay in, or move [...]

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Categories: Beginners, Tax - current issues

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9
Nov
2009

A Financial Plan Starts with YOUR GOALS

By David Christianson, BA, CFP, R.F.P., TEP

A reader wrote to me lately looking for help developing a plan to move out from under a small mountain of student loans and other debt.  Another reader wanted to find a way to decrease income tax withholdings on RRIF withdrawals.  Still another was attempting to determine her optimal asset mix, realizing she is more [...]

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Categories: Beginners, Financial Planning

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9
Nov
2009

It’s All About YOUR Vision

By David Christianson, BA, CFP, R.F.P., TEP

In Financial Planning Starts with YOUR Goals, we talked about the importance of visualizing your desired future.
Specifically, I said that your goals and objectives should be SMART – specific, measurable, achievable, relevant and time-bound.
Next, you have to develop a specific plan to take you from here to there.  That means moving you efficiently from your [...]

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Categories: Basics, Financial Planning

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9
Nov
2009

Give Yourself a Financial Check-up

By David Christianson, BA, CFP, R.F.P., TEP

How do you take steps today that will turn your financial goals and dreams into reality in one year, five years and ten years from now?
Here are some steps to think about:

Pay off all non-deductible debt, starting with the highest interest rate loans.  Take advantage of low interest rates to refinance. Develop a specific plan [...]

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Categories: Basics, Beginners, Financial Planning

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