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No matter what your holiday plans look like, one thing most people can agree on is that giving is a huge part of the Christmas season. And it’s fun to think about our own wish lists, of course. But somehow, it’s even more fun to give and be extra gen...

Recent grocery advertisements, along with comments on social media, continue to expose the now staggering cost of basic foodstuffs, shipping, fuel and utilities. How are you coping, readers? How is anyone coping? Blame for the current state of econo...

Dear Dave, My dad and his wife asked my husband and I for $55,000. They want the money so they can pay off their debt. We’re debt-free and have a net worth of between $2 to 3 million, but we’re also retired. We don’t keep that much in the bank, so w...

Another market blow-up. FTX was one of the biggest cryptocurrency exchanges in the world. Founded in 2019 and based in the Bahamas. FTX specialised in derivatives, leveraged products and spot trading markets, developed at an extraordinary growth rate...

Dear Dave, I use a debit card for all my regular, day-to-day purchases. However, I use a credit card for plane tickets, big ticket items, or when I shop online because someone told me it’s easier to dispute purchases when they’re made with a credit c...

This is an updated article on being thankful and having gratitude – originally written in November 2007. That year of 2007 was a time of serious financial concerns, capital markets were headed into severe disruption, overheated economies were deflati...

Christmas is supposed to be a season full of joy. And sometimes, you have to be intentional about protecting that joy. One thing that instantly puts the spirit of the season at risk is comparison, because it doesn’t just steal your joy – it steals y...

We covered great detail in the first three parts of “The Anatomy of A Mortgage Contract” series. Part one: mortgage description overview is composed of two contracts, a deed and a mortgage, kinds of mortgages available, overview of the process, ...

Dear Dave, I lost my job a couple of years ago. As a result, I ended up in about $25,000 of debt through credit cards and a consolidation loan. Now I have a great job making more than I’ve ever made before, plus a car loan for about $13,000. The olde...

Yesterday was Armistice Day, a time set aside in Bermuda and elsewhere to commemorate and remember all who died during the First World War (now more than 100 years ago), and the Second World War, in the ever-continuing fight for democracy against the...