Peter Guay

The Régie de l’assurance maladie du Québec (the RAMQ) has created a centralized directory, where you can draft just such a document, called an Advanced Medical Directive, and make it available to doctors and caregivers in our healthcare system.

The Quebec Pension Plan (or QPP) is changing in the coming years. In line with the Canada Pension Plan, the QPP is increasing the amount that employees and employers will have to contribute over the next 7 years.

Life insurance is a painful topic. No one likes to ponder their own death and how their family will live without them. That said, if you have a spouse and kids, you need to protect them from the possibility that you might not always be there.

The insurance industry makes it very easy for us to separate ourselves from our money. If you’re not careful, you can easily find yourself with far more of the wrong type of insurance than you need. If it’s any consolation though, you will have made your insurance broker really happy.

Are you an American living in Canada? If you are a US citizen, you have to file a US tax return every year, regardless of where you live.

December was a brutal month in stock markets. Those of you living off of your portfolio are probably asking: Will my portfolio keep going down like this? It always seems like markets ride slowly and steadily upward.

What do diets and owning a home have in common? Well, the way we struggle with diets and exercise actually says something about whether you should rent or buy your home.

What the Ontario government is trying to do to the investment industry is shameful. We like to think regulations are there to protect us, but the current Ontario government and the Canadian Securities Administrator are doing anything but that. The last few months have been incredibly frustrating to watch as regulatory proposals come out that are clearly not in investor’s best interests.

The investment industry regulators aren’t willing to stand up and require the same for your relationship with your financial advisor. That’s a problem.

The Myth: Everyone is piling into ETFs, and that makes stock markets less efficient. The argument: The more people invest through indexes and ETFs, the fewer people there are scrutinizing the fundamentals of stock prices to figure out if individual stocks are cheap or expensive. That must make it easier to pick stocks, right?