Mindblown: a blog about philosophy.
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Planning for Tax Efficiency
Canada's progressive tax system means higher earners face increased tax rates. To manage this burden, consider using life insurance to cover estate taxes and explore insurance-based investment strategies for tax-free retirement income. Family income splitting can also help, through methods like family trusts and spousal loans. Maximize contributions to RRSPs and utilize tax-free savings accounts.…
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Discover Calgary’s 5 Most Popular Neighbourhoods
West Hillhurst: Homes sell extremely fast, averaging just five days on the market with a median price of $413,490. Sandstone Valley: Properties move quickly, averaging 13 days on the market due to strong buyer demand. Palliser: Homes sell in about 15 days, with the lowest median price on the list at $412,500. Sundance: Properties average…
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10 Essential Tips for First-Time Homebuyers in Canada
First-time homebuyers in Canada should assess their finances, set a realistic budget including all costs, and save for a down payment to avoid mortgage insurance. Getting mortgage pre-approval clarifies borrowing limits and locks interest rates. Research the market thoroughly and consider first-time buyer incentives. A home inspection is essential, and be prepared for closing costs.…
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Is Calgary’s Market Ripe for Investment?
Calgary’s housing starts growth provides high-potential investment opportunities. Record construction activity supports long-term rental income streams. Diverse housing options reduce risk for investor portfolios. Strong urban and suburban demand underpins market stability. Investors benefit from a growing market with favorable rental dynamics.
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Calgary Crowned Canada’s Most Livable City for 2025
Calgary ranked first in the 2025 Best Places to Live in Canada list. It leads the nation with strong career opportunities, low crime, and affordable living costs. The avg salary sits at $58,243, and homes typically cost under $640,000. Residents benefit from proximity to the Rocky Mountains and an active outdoor lifestyle. Calgary’s balance of…
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Top 10 Tips for First-Time Homebuyers in Canada
Purchasing your first home in Canada can be overwhelming, but expert advice can help. Key tips include getting pre-approved for a mortgage to define your budget, saving for a down payment (5% to 20% depending on the price), and understanding additional costs like closing fees and property taxes. Check your credit score, work with a…
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Happy Canadian Thanksgiving
The perfect opportunity to embrace your inner "foodie" and unbutton your pants at the dinner table!In Canada, post-Thanksgiving is all about creative cranberry sauce solutions. Cranberry sauce pancakes, anyone?It's that time when multiple ovens are a blessing. Turkey, pies, casseroles – less stress!
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How to Get Your Property Sale-Ready in 5 Steps
Enhance curb appeal: A well-maintained exterior creates trust and attracts buyers from the moment they arrive. Declutter and depersonalize: Remove personal items to allow buyers to imagine themselves in the space.
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ਕੈਨੇਡਾ ਵਿੱਚ ਘਰ ਖਰੀਦਣ ਦੇ ਕਦਮ
54% ਕੈਨੇਡੀਅਨ ਅਗਲੇ ਪੰਜ ਸਾਲਾਂ ਵਿੱਚ ਘਰ ਖਰੀਦਣ ਦੀ ਯੋਜਨਾ ਬਣਾ ਰਹੇ ਹਨ। ਘਰ ਮਾਲਕੀ ਲਈ ਵਚਨਬੱਧਤਾ, ਵਿੱਤੀ ਤਿਆਰੀ ਅਤੇ ਸਪਸ਼ਟ ਮਕਸਦ ਚਾਹੀਦਾ ਹੈ। ਮੁੱਖ ਕਦਮਾਂ ਵਿੱਚ ਆਪਣੇ ਜੀਵਨਸ਼ੈਲੀ ਲਈ ਘਰ ਮਾਲਕੀ ਠੀਕ ਹੈ ਜਾਂ ਨਹੀਂ, ਵਿੱਤਾਂ ਨੂੰ ਮਜ਼ਬੂਤ ਕਰਨਾ, ਡਾਊਨ ਪੇਮੈਂਟ (ਮੁੱਲ ਦੇ 5%-20%) ਲਈ ਬਚਤ ਕਰਨੀ, ਸਰਕਾਰੀ ਸਕੀਮਾਂ ਦੀ ਜਾਂਚ, ਹਕੀਕਤੀ ਬਜਟ ਬਣਾਉਣਾ,…
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Why Alberta Is on Every Mover’s List
Slide 1 B.C. is waving goodbye — 70,000 people packed up and left last year. Slide 2 Almost 38,000 of them headed to Alberta for bigger paychecks & smaller mortgages. Slide 3 Alberta’s loving it — biggest net population boost since 1972. Slide 4 Why leave? Housing too pricey, taxes too heavy, wages too low,…
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