Planning Matter$

The following 100 plus published articles, all written by Murray, now appear regularly in the Business Gazette which serves Campbell River and the Comox Valley.  Formerly, his Planning Matter$ bi-weekly column was a popular feature in the Campbell River Courier-Islander newspaper until their corporate takeover by Black Press in April 2015.  While they summarize general economic and financial planning principles, they should not be considered a replacement to advice tailored to your circumstances.


Old Age Security
Wed, 2013-11-13
Old Age Security (OAS) is the single, largest program of the Government of Canada.  The program provides benefits to most Canadians 65 years of age and over based upon a residency test. ...
To CPP or not to CPP
Wed, 2013-11-06
That is the question.  Not if, but rather when.  The exception being incorporated business owners that have chosen not to contribute for a variety of reasons. As it sits, both employees and...
Getting Organized
Wed, 2013-10-30
One of the by-products of a highly regulated investment industry is the creation and distribution of paper.  Lots of it.  It comes in the form of contracts, disclosures, information...
Rules of Thumb
Wed, 2013-10-23
Let's look at some of the more common ones. The 4% Safe Rate of Withdrawl.  I've probably read 4 or 5 articles on this in the past couple of years debating whether this still holds true. ...
Is a Home a Good Investment?
Wed, 2013-10-16
I've never met anyone successful with money that didn't own a principal residence. What makes a home a great investment?  To start with, leverage which translates to your down payment. Assume...
When Should you Begin to Teach Kids about Money?
Wed, 2013-10-09
A client recently asked me about when is it the right time to begin teaching kids about money.  It was a great question not so easily answered. The research would suggest that the earlier in...