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First Time Canadian Homebuyers Part 2: What is the Mortgage Stress Test?
Buying your first home can be super overwhelming and confusing with all the rules and regulations, especially surrounding Mortgage Loan...

Ruthy Siemens
Jun 23, 20213 min read


First Time Canadian Homebuyers
I’ll be honest, when we purchased our first home, I knew nothing...absolutely nothing...My husband and I were very naïve. Did you know...

Ruthy Siemens
Jun 14, 20213 min read


Travel Health Insurance for Canadians
Canada is an awesome place to live! Our healthcare system is fan-freakin-tastic! As a nurse, I know full well the many flaws in our...

Ruthy Siemens
Jun 9, 20215 min read


How I earned over 300K in Aeroplan points in One Year!
So I started playing around with my credit card rewards points and soon realized that the travel redemption could be worth more value than t

Ruthy Siemens
May 11, 20216 min read


Steps to DIY Investing
Well we took the leap of DIY investing mid-January and it's been an interesting journey so far.
Now, I know why my dad always said, "I don't

Ruthy Siemens
Mar 30, 20215 min read


Siemens take to the Sea...Aboard Mercy Ships!
Finally! after 20 years of dreaming about going aboard Mercy Ships, my family is leaving on this 2 year journey in just under 90 days!

Ruthy Siemens
Mar 15, 20214 min read


Are Women Afraid of Personal Finance?
Why are we as women sometimes afraid to take ownership of our own personal finances? Or at least be equals with our partner or spouse?...

Ruthy Siemens
Mar 9, 20214 min read


Why I'm breaking up with my Financial Advisor
(warning: this was meant to be in jest and not mean-spirited). Dear Financial Advisor It's a scary step. It's not me, it's you! I know...

Ruthy Siemens
Feb 22, 20212 min read


How to Invest Your TFSA & RRSP
Don't make the same mistake that I did of having an RRSP for years that I was diligently adding money to, but it was never invested in anyth

Ruthy Siemens
Feb 8, 20212 min read


RRSP & TFSA Guidelines and How Nurses Can Reduce their Taxes!
I'm a bit of a weirdo and actually look forward to tax season because I always get a refund which I think is partly due to my RRSP contribut

Ruthy Siemens
Feb 1, 20215 min read


8 Reasons Why Whole Life Insurance may not be what you need
What are the different kinds of Life Insurance available in Canada? Life insurance is kinda sorta boring and confusing but very important...

Ruthy Siemens
Jan 28, 20216 min read


What's So Great About Generosity?
How often do we talk about Generosity? We talk about Kindness a lot and kindness and generosity often go together. Can you be Generous...

Ruthy Siemens
Dec 23, 20204 min read


How compound interest could make you a Millionaire
Compound interest is a bit like fire, it can be harmful or helpful for you depending on whether you are paying it or whether you are receivi

Ruthy Siemens
Nov 16, 20206 min read


To DIY or not to DIY!
Show yourself that you really can learn a new skill! Prove that inner voice wrong!

Ruthy Siemens
Oct 5, 20204 min read


How to Save Money on groceries
As Canadians we pay more for our food than our American neighbors because there are less of us and we are spread out over a great distance.

Ruthy Siemens
Sep 22, 20205 min read


7 Steps to Prevent Student Loans
Today I'm proposing something different. What if we didn’t have to deal with student loan debt because we avoided it like the plague or lik

Ruthy Siemens
Sep 14, 20206 min read


Credit Score versus Emergency Fund
some might say un-Canadian, but what if you did something radical and didn’t care about your credit score? What if you never needed to use

Ruthy Siemens
Sep 8, 20206 min read


How to Raise a Financially Savy Teen
Hopefully, by teaching your kids that you have to work hard and have a goal to work towards, this provides their "why," for saving and mitig

Ruthy Siemens
Aug 31, 20209 min read


Part 2: Ready, Set, GO! Practical Ways to Get Ready for the School Year!
We all know that less stress = a happier family but how can we make that happen? Expectations are a large part of that stress. When everyo

Ruthy Siemens
Aug 18, 20207 min read
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