The Money Master Book

If you're looking to travel across Canada 🇨🇦 , you may assume that your medical services is covered with your provincial/territorial health card.

Recently, I researched into how provincial health coverage works outside your home province and the gaps are bigger than most people expect.

For example:
• You may have to pay out of pocket and wait for reimbursement (especially when receiving medical services in QC).
• Coverage is often capped at your home province’s rates.
• Services like ambulances or prescriptions may not be fully covered.

And what happens when you leave Canada? Coverage is limited and restricted to basic medical services, such as seeing a physician or visiting a hospital.

It’s one of those things people don’t think about, until they need it.

In my article for RBC Insurance, I break down what your provincial plan actually covers (and what it doesn’t), so you can understand the type of travel medical insurance you may need before you pack your bags.

Curious to know, have you ever had to use medical care while travelling?



Check out the article here 📰 :

Understanding Your Out-of-Province Government Medical Coverage Before you travel be sure to understand your out-of-province provincial medical coverage.

Start financial literacy early. It’s one of the best gifts we can give the next generation.

What money lesson are you teaching kids today?

As small business owners, we spend a lot of time thinking about growth, revenue, and daily operations. Yet, we spend far less time thinking about what happens if something unexpected occurs.

In this RBC Insurance article, I explain why life insurance is a personal and business decision, and how it can help entrepreneurs:

- Protect their family and dependents
- Ensure business continuity
- Use insurance in a tax-efficient way
- Fund buy-sell agreements and succession plans
- Select coverage that matches with their stage of business

Whether you’re a sole proprietor, have business partners, or are thinking about long-term succession, this is an area that’s often overlooked but plays an important part of managing financial risks.

📰 Read the article here:
https://www.rbcinsurance.com/en-ca/advice-learning/life-insurance/life-insurance-for-small-business-owners/

Life Insurance for Small Business Owners: Why it Matters | RBC Insurance If you have your own business, protect what you’ve built with life insurance. Here’s why life insurance matters for entrepreneurs and business owners.

If you're earning less than $60,000 a year, you may be better off with a no-annual fee credit card instead of paying for a premium one.

You can earn cashback rewards or loyalty points without needing to meet high spending thresholds.

In my article for MooseMoney, I compare five no-annual-fee credit cards. I created a fictitious budget for an Ontarian who earns $60,000 in gross income.

Find out how much each credit card gives in cashback/rewards:

https://www.moosemoney.com/top-free-credit-cards-canada/

Have you tried using a no-fee cashback card? Do you have a favourite one?

Top Free Credit Cards For Canadians Earning 60K or Less If you’re earning less than $60,000, it may not be worth it to pay an annual fee for a credit card.

I've never typed so many zeros before. Why you ask? Because I was given the opportunity to do a deep dive for this year’s Maclean’s magazine: The Rich List 💰 which featured the top 40 billionaires in Canada.

It’s fascinating to see how wealth in Canada shifts year to year, from legacy industries that built the foundation to the new wave of tech founders and investors reshaping it.

My role focused on the research behind the rankings: digging through public filings, estimating private company valuations, and double-checking every figure to make sure it all adds up.

It was a mix of detective work and data storytelling (with plenty of spreadsheets 🤑 🧾), but worth it to uncover how fortunes are built and how they change over time.

If you ever need thoughtful, in-depth research to support a story, project, or publication, I’d love to connect and share how I can help.

Check out the full Top 40 list here 👉 https://macleans.ca/longforms/the-rich-list/

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The Rich List - Macleans.ca There's a new billionaire topping our list this year. Here are Canada's 40 wealthiest people—and how they made their money.

At some point, you may be wondering how you can protect your family’s finances after you’re gone. Many Canadians face the challenge of choosing the appropriate type of life insurance that can support estate planning and the transfer of assets to their loved ones.

Find out the different types of life insurace, the benefits and drawbacks about permanent life insurance, and the factors to consider in this RBC Insurance article.

What is Permanent Life Insurance and How Does It Work? | RBC Insurance Permanent life insurance is designed to protect you and your loved ones for life. Learn about the different types of permanent life insurance and how it works.