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My front door was ajar. Inside, my apartment felt abnormally still. Nothing was out of place. No torn curtain waving in the wind. But my laptop was nowhere to be seen. My apartment had been broken into. My laptop was stolen.  So after a few tears (let’s be honest), four hours on the phone with […]

The financial system is not well set up for small investors. Financial advisors are called many different things, are either paid by flat rates (called fee-only advisors), or by commission (which is much more common). Often, the small investor cannot afford a fee-only financial advisor. Moreover, advisors who are paid commission (both initial and follow-up) […]

Investing your hard earned cash in enormous, anonymous and ethically questionable companies not exactly giving you the warm fuzzies? You’re not alone. A report from the Responsible Investment Association published in 2015 cited that between 2011 and 2013, the amount of assets managed using responsible investment strategies in Canada rose by 68% from $600 Billion […]

The underlying principle of mutual funds is brilliant. It combines the money from many small investors to have a greater buying power. This money is then invested in multiple companies. Each investor owns a small portion of the fund and is at much lower risk than if they invested all of their money independently. Indeed, […]

At Hardbacon, we will never be able to write everything about money and investing. And nor do we want to. So we scoured the internet to find the best bloggers writing about money. What did we consider in our ranking? Design, accuracy of content, credibility and voice. There are 7 categories, and 21 winning blogs. […]

Unless I’m mistaken, if you want to invest your money in the stock market, it’s because you want to make more money. To build your nest egg. To grow your bacon. The most straightforward option is to put all of your money in ETFs, forget about them, and sit back and relax up until you […]

Double-Double your savings with Tims Rewards! It’s hard to hit the road without zipping through the Tim Horton’s drive-thru, no matter where you are in Canada. It’s probably our most iconic restaurant!  Did you know that this restaurant chain has its own rewards program, the Tims Rewards card or mobile app? Get ready because we […]

Car insurance in Canada is mandatory for drivers. Several options are available, with the minimum being one way insurance. But is one way insurance enough? In this article, we’ll look at one way insurance and explore its pros and cons. We’ll also discuss the legal requirements for car insurance in Canada and provide tips on […]

Canadian employees work hard day in and day out to support themselves and their families. Unfortunately, life can throw unexpected curveballs, such as serious illnesses, injuries, and other unforeseen circumstances, preventing individuals from earning their wages. If you can’t work, you could experience financial hardship. One of the benefits your employer may provide to protect […]

Sponsored By In the first year alone, a new baby can cost upwards of $8000. Over the course of 18 years, your little bundle of joy could come with a price tag of $180,000 – $270,000 in total child-rearing costs. If you were to pass away unexpectedly, a life insurance policy would keep your little […]

Whether you’re looking for a weekend getaway, planning a business trip or want to discover a new country, nights in a hotel are often synonymous with relaxation – but also with spending money! Fortunately, you can become a member of a rewards program at virtually all hotels. This is the case with Marriott Bonvoy.  With […]

How many of you have signed up for a credit card that includes insurance? Probably a lot. But, do you actually use that insurance? Do you even know what you are covered for? If you answered no, don’t worry. That’s what this article is for. We’re going to dive into the different types of credit […]