Money on Tap

09/18/2026

Thinking about refinancing your student loans? Compare your current terms with a new rate to see if refinancing could reduce what you pay over time.

Compare your current student loan terms to a potential refinance to see if it makes sense.

09/17/2026

A wonderful company can still be a terrible investment if you pay too much for it. This week we hand you the value investor's vocabulary — moats, aristocrats, fair value, free cash flow — in plain English, with a live case study.

A wonderful company can be a terrible investment at the wrong price. Money On Tap explains economic moats, dividend aristocrats and kings, fair value vs. stock price, free cash flow and payout ratios — and the four questions every value investor must answer before buying.

09/16/2026

Before you start house hunting, find out what you can realistically afford. This calculator factors in your income, debts, and down payment to give you a number.

Estimate how much home may fit within your budget based on income and expenses.

09/15/2026

The Fed says 3%. The checkout counter says otherwise. This week we dig into where inflation is really coming from — oil, shelter, healthcare, shrinkflation — and the four levers retirees can pull to fight the affordability squeeze.

Official inflation says 3% — the checkout counter disagrees. Money On Tap explains where inflation is really coming from (oil, shelter, healthcare, shrinkflation, tariffs) and four ways retirees fight back: pricing-power equities, bonds, annuities, and tax mitigation.

09/14/2026

Did you hear about Aretha Franklin’s handwritten will? How did Frank Sinatra keep his family from contesting his \$100m estate? The examples of famous celebrities underline the need for a clear estate strategy.

The examples of famous celebrities underline the need for a clear estate strategy.

09/11/2026

What’s the difference between a General Obligation bond and a Revenue bond?

Gaining a better understanding of municipal bonds makes more sense than ever.

09/10/2026

America just crossed $40 trillion in debt — and it runs straight through your retirement plan. This week we cover the taxes already rising, the inflation math that doubles what you'll need, and how to build a debt-resistant portfolio.

The U.S. just crossed \$40 trillion in debt. Money On Tap explains what it means for your retirement: rising taxes and bracket creep, inflation's hit to purchasing power, dividend traps, bonds vs. bond funds, annuities as a foundation, and the debt-resistant portfolio.

09/09/2026

Might you need more coverage in retirement? This piece covers some good reasons to retain your insurance.

09/07/2026

Markets pushed higher in August as AI-driven optimism helped investors look past softer economic data. The S&P 500 gained 2.62% and the S&P/TSX Composite rose 2.96%, even as softening retail sales kept consumer spending in focus. Back-to-school season adds another data point to that story, with spending expected to reach \$146.8 billion in the U.S. and \$4.5 billion in Canada this year.

The Standard & Poor’s 500 Index advanced 2.62 percent, while the Nasdaq Composite rose 3.93 percent. The Dow Jones Industrial Average lagged, adding 1.34 percent. The S&P/TSX rose 2.96 percent.1,2

09/07/2026

A home is the single largest financial commitment for most people. What mortgage fits you best?

Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.