Featured:
Book Excerpt
Each year you are in debt, real cash is being drained from your bank account and interest is being compounded on it
Home Cents
Do normal people have panic attacks at cash registers, asks personal finance blogger Chaya Cooperberg
Personal Finance Reader
Love is a four-letter word. So is RRSP
![iStockPhoto - ROYALTY-FREE
Nerd Love - 'I like your sequins...' Credit: Ryan Lane/iStockPhoto
Heterosexual Couple
Valentine's Day
Valentine Card
Nerd
Humor
Men
Women
Young Men
Young Women
Sweater Vest
Bow Tie
Horn Rimmed Glasses
Glasses
Embarrassment
Cheerful
Happiness
Love
Shy
Flirting
Dating
Teenage Couple
Sequin
Smiling
Couple
Desire
Heart Shape
pink heart
Asking
Giving](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00483/nerd_love_sequin_483625gi-b.jpg)
This week's edition has tips for RRSPs as well as a roundup of personal finance advice related to Valentine’s Day
Real Estate
It's not the mortgages, it's the borrowers
![Debt ball and chain. iStockphoto](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00476/debt2_jpg_476002gi-b.jpg)
A one-size-fits all tweak to lending rules isn't the answer; the industry needs to focus on ability to pay
Personal Finance Forum
Tell Angela Self
What triggers money fights in your house? Is it varying debt or income levels, joint versus separate bank accounts, or who pays for what? Share your stories - and your tips - on how to strike financial harmony on the homefront.
Commentary
Earlier discussion
Thinking of moving to the U.S. or Canada?
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00481/welcome_to_u_s___481405gi-b.jpg)
Snowbirds, travellers... Cross-border financial adviser and author Terry Ritchie took your questions
Wealthy Barber
Common investing errors
![Barber shop poll. iStockphoto](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00481/barber_poll_jpg_481753gi-b.jpg)
Author David Chilton explains how to avoid high mutual fund fees in our Let's Talk Investing video
Investor Clinic
Don't suffer the high cost of investing
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00443/money_fees_inves_443301gi-b.jpg)
John Heinzl's tips on ways to cut your investing costs and get the best results
Made your move yet?
Household Finances
Home Cents
Beware the pitfalls of a rental property
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00429/housing_mortgage_429669gi-b.jpg)
Some tips for homeowners and buyers from Chaya Cooperberg
Technology
Ready to bank on your smart phone?
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00304/cellphone_textin_304421gi-b.jpg)
Mobile banking has been slow to catch on in Canada, but experts say it won't be long before the service is more popular than online banking
Personal Finance Tips
Get a sweet deal on Valentine's Day
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00423/couple_walk_dog__423362gi-b.jpg)
With spiking household debt and flagging consumer confidence, is it time to skip the Hallmark holiday?
Home Cents
Help for choosing the right credit card
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00021/Credit_Card_visa__21202gi-b.jpg)
The FCAC is warning consumers to be careful of promotional rates offered by many credit card institutions, says Chaya Cooperberg
Discussions on Personal Finance
Mortgages & Retirement
RRSP Report 2010
Use new wealth to boost your RRSP
![A man glances at a Ferrari sports car while visiting businesses that cater to high-end luxury item consumers along Rodeo Drive on December 14, 2007 in Beverly Hills, California. In the midst of the biggest selling season of the year, retailers for America's richest consumers are losing their least-affluent customers, those who buy luxury items only when they have the cash to spend, while the richest continue buying designer merchandise at a healthy clip. Masking the extent of the decline could be the weakened US dollar which has increased the flow of foreign tourists shopping in major US cities. (Photo by David McNew/Getty Images)](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00211/luxury_211004gi-b.jpg)
A windfall provides opportunities to reassess financial goals
Tax Matters
Unlock locked-in money for greater flexibility
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00113/senior_citizen_s_113122gi-b.jpg)
Seniors, take note: You can work with the maximum withdrawal limit on your pension savings, writes Tim Cestnick
RRSP Report 2010
Twelve funds for your RRSP and TFSA
![File #: 8373881
Stock chart
Market Analyze on lcd screen
pen pointing at a business graph Credit: iStockphoto
(Royalty-Free)
Keywords: Graph, Moving Down, Stock Market Data, Financial Occupation, Stock Market, Chart, Moving Up, Finance](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00476/r-carrick09rb1_j_476564gi-b.jpg)
Rob Carrick sifted through more than 11,000 mutual funds and ETFs to come up with a dozen options worthy of consideration
Earlier discussion
CREA President took your questions on MLS and the housing market
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00082/Sold_sign_in_Toro_82181gi-b.jpg)
Dale Ripplinger of the Canadian Real Estate Association and real estate reporter Steve Ladurantaye took reader questions
Special Series
Building Blocks Video
Teach your kids about money
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00400/jars_building_bl_400366gi-b.jpg)
In this video, personal finance blogger Chaya Cooperberg shows us how save, spend and share jars can help young minds with financial literacy
Earlier discussion
Do you have a family budget?
![](https://bac-lac.wayback.archive-it.org/web/20100212232514im_/http://beta.images.theglobeandmail.com/archive/00400/chaya_cooperberg_400321gi-b.jpg)
With the holiday spending spree over, personal finance blogger Chaya Cooperberg answered your questions
Learn more:
- Story: Make a list, check it twice
- Video: Too much real estate debt?
- Story: Saving for retirement
- Video: Putting off retirement saving?
- Story: RESP dollars under the tree
- Video: Saving for junior's education?
- Video: Rein in your spending
- Story: Buried under a mountain of debt?
- Video: How insurance keeps you afloat
- Story: The pitfalls of avoiding insurance
- Video: Why you need an estate plan
- Story: The will for a will
- Video: Don't ignore a family tax plan
- Story: Mapping out a family tax plan
- Video: Ready to sign on the dotted line?
- Story: Haggling over a mortgage
Advanced investing
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