How Much Does It Cost?

Posted on February 9th, 2016 by Actuarial Solutions

I think that all of us in society often spend too much time worrying about how much something costs and don’t spend enough time thinking about whether we need something, and if we really do need it, the value of the item – not just its price.  I think this is true about houses and […]

ORPP – More Details – More Concerns

Posted on February 1st, 2016 by Actuarial Solutions

I wasn’t planning on writing every week about the ORPP.  But a lot happened last week and many of my readers have come to rely on my commentary to help them frame their thinking about the ORPP independently from the ‘sales pitch’ others are sending them. I want to write about three events: 1. Ontario’s […]

Employer Action – The ORPP & Comparable Plans

Posted on January 26th, 2016 by Actuarial Solutions

I have held off writing about what employers should be doing in respect of the Ontario Retirement Pension Plan for two reasons:  First, leading up to last fall’s Federal Election, I really thought the whole thing might just go away.  Second, I was waiting for Ontario to clearly spell out how the ORPP will work; […]


Posted on January 18th, 2016 by Actuarial Solutions

I lost my dad in January 1999 shortly after we started ASI.  Luckily for me, being a work-from-home entrepreneur with no clients gave me lots of time to spend with him in his final months.  All these years later,  I have so many vivid memories of the lessons he taught me.  The memories that stand […]

The Future of TFSAs

Posted on January 12th, 2016 by Actuarial Solutions

One of my arguments against the Ontario Retirement Pension Plan (ORPP) has been that for low-income workers, forcing them to save more in ‘registered savings’ is going to result in the claw back of “means based”  benefits like the Federal Government’s Guaranteed Income Supplement (GIS).  The net effect of these claw backs will be ‘effective […]