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Barry ChoiContributing Writer

Barry Choi is a freelance personal finance and travel expert. His website moneywehave.com is one of Canada's most trusted sites when it comes to all things related to money and travel.

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The latest from Barry
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How to Manage Your Personal Cash FlowCash flow is your income minus expenses over a set period of time, usually a month.Read more
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How to Achieve Financial IndependenceFinancial independence can be defined in several ways, from moving out on your own to supporting yourself through passive income.Read more
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Soft vs. Hard Credit Inquiries: How They WorkA soft inquiry pulls enough of your credit history to determine your creditworthiness; a hard inquiry is a formal review of your credit report.Read more
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How Canada’s Disability Tax Credit WorksThe disability tax credit makes life more affordable for Canadians with disabilities and their caregivers by reducing the amount of income tax they owe.Read more
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How to Negotiate a Personal Loan SettlementBy negotiating a personal loan settlement, you may be able to pay off the debt for an amount that's less than your current balance. You can negotiate settlement yourself, or with the help of professionals.Read more
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6 Money Management Skills to Master ASAPBudgeting, credit score maintenance and saving toward long-term goals are money management skills that can improve your financial confidence.Read more
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What Is ESG Investing?ESG investing prioritizes investments in companies with certain standards for environmental impact, social policies and governance factors.Read more
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ETF: What Is an Exchange Traded Fund?An exchange-traded fund, or ETF, is a collection of disparate securities, such as stocks, bonds and GICs. ETF shares can be traded actively or passively.Read more
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What Are T-Bills? How Do Treasury Bills Work in Canada?T-bills are a low-risk investment choice because both your principal and interest are backed by the government, regardless of how much you invest.Read more
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How Do Bonds Work in Canada?A bond is a loan made by investors to a government or company. Bonds provide a fixed rate of return.Read more
Person, Reading, Adult
ETFs vs. Stocks: How to ChooseStocks are investments in an individual company. ETFs bundle diverse investments, which may include stocks. The best choice depends on your investment strategy.Read more
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ETF vs. Mutual Fund vs. Index FundETFs, mutual funds and index funds all bundle a diverse portfolio of investments, but are bought, managed and traded differently, and charge different fees.Read more
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Can You Refinance a Mortgage with Bad Credit?You can refinance your mortgage with less-than-perfect, but you'll probably need to turn to a B lender or private lender.Read more
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How to Save for a Down PaymentDecide how much you’ll need to save, then determine the best place to keep your money.Read more
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What Is Title Insurance?Title insurance is an optional insurance policy that may help protect you from financial loss if issues arise with a property’s title.Read more
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