How and Why to Calculate Your Marginal Tax Rate

Taxes.  Yawn.  Right? Wrong. For many Canadians, taxes form the largest expense in their budget.  And for many employee-Canadians (vs. self-employed Canadians), you’re going to pay close to whatever your company’s tax slip says you’re going to pay.  And because tax is often withdrawn right from your paycheque, you might not even notice how much […]

You Can Retire Sooner Than You Think

The following is an approximate transcript of the talk I gave at the London ON FIRE meetup in London, Ontario on Oct 30, 2018: You Can Retire Sooner Than You Think. 1. Good evening everybody. It’s great to see so many of you out here tonight. My name is Chris Urbaniak, and I’ve been part […]

5 Keys to a Successful Turnaround

Some of you know that between my full-time job, my young family, and writing the occasional blog article, I started spending my “free time” this year as a volunteer running a local non-profit corporation known as Forest Edge Community Club. We own and operate the Forest Edge Community Pool, which is a fantastic outdoor swimming […]

Is My Portfolio Messed Up or OK?

For those of you who aren’t into biking, and maybe even for those of you who are, it’s time now for another case study. This time we have a friend whom I’ll call Mike. Mike wants to know whether his pension portfolio is messed up or OK. Let’s take a peek and see what help […]