Understanding the Difference - Good Debt vs. Bad Debt: Learn the essentials of managing debt in the rising interest rate environment. Discover the types of debt, what classifies as good or bad, and how to strike a balance for a healthier financial future. Plus, get insights on debt-to-income ratio and what happens to debt after death in Canada.

The power of a Tax-Free Savings Account (TFSA) goes far beyond a simple savings account. With its range of investment options, a TFSA functions more like a tax-free investment account, allowing you to hold stocks, bonds, mutual funds, and more. Learn how to utilize TFSAs to maximize your savings and potentially save tens of thousands of dollars in taxes for retirement.

The effects of hyperinflation and rising interest rates are creating a double financial squeeze for consumers. Food prices have soared, with significant increases in the cost of fresh fruit, meat, and vegetables. As purchasing power erodes, budgets are strained, leaving individuals and businesses struggling to keep up. Learn how wages are falling behind inflation and the challenges faced by both borrowers and savers.

Before accepting the role of executor for someone's estate, it’s important to understand the potential risks, personal liabilities, and complexities involved in managing and distributing assets. Learn how to address important matters such as guardian arrangements beneficiary conflicts, and co-executors and gain insights into executor compensation and legal provisions to protect yourself as an executor.

What role does inflation play in the decision to start Canadian Pension Plan (CPP) payments? Learn the factors influencing CPP calculations, including Consumer Price Index (CPI) and Year's Maximum Pensionable Earnings (YMPE) and the implications of early or delayed CPP withdrawal on retirement income.

With raising interest rates, it is important weigh the pros and cons between variable and fixed mortgage rates. Learn about the impact on homeowners, penalty implications, and the cyclical nature of rates. Make informed decisions and navigate the complexities of mortgage choices in changing financial circumstances with the help of your Horizon advisors.