Ripley’s Aquarium: Save 20% – Limited time

Exclusive Offer! As a last minute holiday gift idea, the clownfish are offering you a 20% discount for up to 4 Express Anytime e-tickets at Ripley’s Aquarium in Toronto.

[sam id=”5″ codes=”true”]

Reel ’em in quick before this exclusive deal swims away!

Express Anytime e-Tickets are VERY LIMITED! Only available while quantities last. Expires one year from purchase.

Get this deal

“The Hobbit: The Battle of the Five Armies” marches to victory this weekend

With only five days in the theatre, movie watchers helped director Peter Jackson bid farewell to Middle Earth in style, by pushing “The Hobbit: The Battle of the Five Armies” to earn $90.6 million (U.S) at the box office.  Based on this weekend’s numbers,  the last installment of the Hobbit series looks like it’s on track to surpass the previous total gross revenue of the another two movies in this trilogy.

How much did the other two Hobbit movies make?  Check it out below.

The Hobbit: An Unexpected Journey

Total Lifetime Grosses

Domestic (A): $303,003,568 29.8%
Opening Weekend (Domestic) $84,617,303
Foreign (B): $714,000,000 70.2%

Worldwide (A+B): $1,017,003,568
[sam id=”5″ codes=”true”]
The Hobbit: The Desolation of Smaug

Total Lifetime Grosses

Domestic (A): $258,366,855 27.0%
Opening Weekend: $73,645,197
Foreign (B): $700,000,000 73.0%

Worldwide (A+B): $958,366,855

Official Trailer:

Three things to consider if you are going to sell your investments at a loss

Do you have investments in a non-registered account that have dropped in value? If you do, it may make sense to sell some of these depreciated stocks by using a strategy called tax-loss selling.

Tax-loss selling involves selling securities with accrued capital losses before the end of the year. The capital losses would first be applied against any realized capital gains which would reduce your net capital gains and potentially your tax bill.  If your capital losses exceed your capital gains, the net losses may be carried back to a previous year to trigger a refund.

Here are three things to consider if you are going to use a tax-loss selling strategy:

1.  The Deadline

The last day you have to sell an investment at a loss for the 2014 tax year is Wednesday December 24, 2014.  Most securities take 3 days to settle, so anything sold after this date would be reported for the 2015 tax year instead.

2.  Capital losses cannot be superficial

The Canada Revenue Agency (CRA) does not allow for superficial or artificial capital losses.   If you you sell an investment, you or an affiliated legal entity (such as your RRSP, your spouse, and your spouse’s RRSP) cannot purchase the identical investment 30 days prior, or 30 days following, your capital loss.  That is, you or your spouse cannot buy or sell the same investment 30 days before or after your planned capital loss.

3.  It’s not just about reducing your taxes

Tax-loss selling may save you money, but any decision to sell should be based on your overall portfolio strategy.  There may be a valid reason to hold onto a “losing” investment, such as the dividends it continues to produce for you or the potential for a rebound.  Whatever the case may be, just remember it’s not just about the taxes.


Disclaimer: You should consult with your Investment Adviser before making any investment decisions.

Finally! Weekly Options Are Now Available in Canada

The Montreal Exchange has officially launched weekly options on the following stocks:

  • Barrick Gold Corporation (ABX)
  • Blackberry Ltd (BB)
  • Encana Corp (ECA)
  • Goldcorp Inc (G)
  • Ishares S&P/TSX 60 index ETF (XIU)
  • Potash Corp of Saskatchewan (POT)
  • Royal Bank of Canada (RY)
  • Suncor Energy Inc (SU)
  • Toronto Dominion Bank (TD)
  • Yamana Gold (YRI)

The weekly options are introduced on Thursdays and trade through the close of the Friday of the following week.

Unfortunately, unlike the U.S. weekly options, the Canadian weekly options will only be for one week at a time.  U.S. weekly options are available up to five weeks at a time.  Nonetheless, cheaper options with increased flexible is a good thing.

We hope the Montreal Exchange will eventually expand the number of weeks available!

Free music download from Juno winning Measha Brueggergosman

Measha Brueggergosman is a Juno-winning, Grammy-nominated international singer. She has had a wonderfully varied career so far, that had stretched well beyond the world of classical music. You may also know her from singing the Olympic Hymn in the Vancouver winter Olympics or a judge on the much-loved Canada’s Got Talent. This holiday, her musical canon takes another turn as she releases her new album Christmas.

[sam id=”5″ codes=”true”]

As a Canadian Living E-newsletter subscriber enjoy your FREE song download from Measha Brueggergosman’s new holiday album “CHRISTMAS”. (for a limited time only) Enter your email below to receive your FREE song “Let Joy Reign”, a gorgeous original piano ballad by Measha Brueggergosman in collaboration with Canadian singer/songwriter Royal Wood

Deal ends: Limited time

Enjoy this free music download

Bank of Canada invites Canadians to propose design ideas for a bank note marking Canada’s 150th anniversary

The Bank of Canada is inviting Canadians to propose ideas for the design of a new bank note to celebrate the 150th anniversary of Confederation in 2017.

As announced earlier by Minister of Finance Joe Oliver, the commemorative bank note will be broadly available by 1 July 2017. Details on the denomination, the number of notes that will circulate and the means to obtain them will be made public closer to the issue date.

Canadians can contribute to this special anniversary project by visiting a dedicated webpage and providing ideas about what would best represent Canada’s 150th as well as how these can best be depicted in images on a commemorative bank note. The survey will run until 8 January.

The Bank will be consulting the public and various stakeholders over the coming months in order to ensure that a full range of options are considered prior to submitting the bank note design concepts to the Minister of Finance for approval.

Since it was founded, the Bank of Canada has issued two commemorative bank notes: a special $1 note celebrated Canada’s 100th anniversary in 1967 and a commemorative $25 note was issued in 1935 in honour of the Silver Jubilee of King George V.

Source: Bank of Canada


Four Free Cute and Printable Christmas Gift Tags

Check out these four free and cute printable Christmas gift tags!  Print the downloadable templates at home and save some money.

1. Polar Christmas Gift Tags & Labels by Lia Griffith.  Amazing!:


Download at Lia Griffith

2. Santa, Snowmen and Stockings by Cindy Cooper.  Wonderful!:


Download at Skip to My Lou

[sam id=”2″ codes=”true”]

3. Classy and cute by Charlène Girodet.  Beautiful!:


Download at Charlène Girodet

4. Santa, Santa and more Santas by Karin & Freja.  Awesome!:


Download at Pysselbolaget

[sam id=”2″ codes=”true”]

Four Essential Free mobile Apps for Android phone users

So you finally got that perfect Android mobile phone, but don’t know what apps to download?   Here are four essential FREE apps which all Android phone users should download.

1.  AVG AntiVirus for Android phones

The free version blocks viruses, spyware and other malware hitting your smartphone.  The online protection scans websites you go to and checks your downloaded files.  If you are worried about your phone getting stolen, anti-theft features allows you to find, lock or wipe your lost device remotely.  These are other features (paid and unpaid) makes AVG Anti-Virus for Android a must for the mobile Android warrior.

Get it at the Google Play Store

2.  AVG Cleaner & Battery booster

The AVG Cleaner and Battery Booster helps you to boost your Android’s speed & performance by cleaning out your cache and unwanted apps and optimizing your battery usage.

Get it at the Google Play Store

[sam id=”5″ codes=”true”]

3. Google Keep and Notes

Need a to do list or reminders you can share with others?  Google Keep and Notes does it all and more.  You can create easy to use notes and reminders.  Share them with others who can make changes and add pictures to spice it up.

Get it at the Google Play Store

4.  FireFox Browser for Andriod

Let’s face it, the built in browser isn’t that great.  Time to upgrade! Fast, smarter and safer.  This coupled with the AVG Anti-Virus will keep you browsing securely all day long.

Get it at the Google Play Store

Ratings Agency Fitch cuts Ontario’s long-term debt rating

Rating agency Fitch cut its long-term issuer default rating to AA- from AA, saying “difficult actions” will be necessary for the province to achieve its target of eliminating the $12.5-billion deficit by 2017-2018.

According  to Fitch, “The downgrade to AA- reflects Fitch’s concern that risks remain to achieving its goals and both debt burden and the accumulated deficit will remain significantly elevated.”

In a similar move, Moody’s credit rating agency changed Ontario’s debt rating in July to negative from stable, citing concerns about the province’s ability to eliminate the deficit as scheduled.

Ontario Finance Minister Charles Sousa said the government remains committed to eliminating the deficit by 2017-2018, but the Fitch announcement underscores the challenges the province’s economy faces.

Fitch also improved Ontario’s ratings outlook to stable from negative acknowledging that “the province has demonstrated the ability to exert considerable, ongoing expenditure restraint while instituting revenue changes as necessary to achieve its deficit reduction objectives, pointing to the strength of provincial management.”

Ontario’s Auditor General has estimated that, by 2017-2018, the province’s net debt will soar to $325 billion, more than double the $156.6 billion a decade ago.  Further, that Ontario now spends more on debt interest than it does on post-secondary education, and those interest costs are growing.

Mission Possible: BlackBerry and Boeing is creating a self-destructing phone

Blackberry and Boeing are working together to create a secretive, self-destructing smartphone for U.S. Homeland Security and the Department of National Defense.

“We’re pleased to announce that Boeing is collaborating with BlackBerry to provide a secure mobile solution for Android devices utilizing our BES12 platform. That by the way is all they allow me to say, ” said John Chen, Chairman and Chief Executive Officer of BlackBerry, during an earnings call on Friday.

[sam id=”5″ codes=”true”]

According to Boeing, the self destructing phone will be manufactured as a sealed device with a tamper proof covering over the screw heads.   The phone is also expected to feature two SIM card slots – one for a secure number and a second “personal” number.  Any unauthorized attempt to open the device would trigger the device to completely delete the data and software on the phone – making the device completely unoperable.

Boeing, the 2nd largest U.S. defense contractor is trying to grow its defense software business while BlackBerry pushes deeper into the security sensitive Enterprise user base.

Sir John A. McDonald: Coming to a toonie near you

Canada’s father of Confederation is turning 200 in January 11, 2015.  Quite the milestone for Canada’s first Prime Minister!

The Federal cabinet last week approved a $2 coin featuring McDonald’s portrait on the opposite face of the Queen.

There’s little information available and a spokesperson for the Royal Canadian Mint declined to provide details before the coin is unveiled early in the New Year.  Stayed tuned for details on this collectors coins!


Financial Technology