Real Estate

The hidden value of a professional real estate appraisal

Online tools and tax assessments often miss the mark. A professional appraisal gives you a reliable, market-based property value.

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How much of a pension does a survivor receive?

A MoneySense reader asks about survivor benefits for spouses. Here’s how defined benefit and CPP survivor payments work in...

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How to manage your tax withholding in retirement

Canadians accustomed to annual tax refunds may be surprised to owe tax in retirement and have government benefits clawed...

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When do CPP and OAS pension payment increases happen around your birthday?

Luis asks when his Old Age Security payments will increase now that he is 75. We look at adjustment...

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Planning to use your home equity in retirement

Real estate equity is a big part of seniors’ net worth. Some Canadian retirees may want or need to...

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What to do if your pre-construction condo has dropped in value

Many pre-construction condos bought in recent years, especially in Toronto, are now worth much less. If you can’t close...

Cash Allocation

Your home sold—now what?

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Revising the fair market value of a property for tax purposes

Can you retroactively change the valuation of a rental property before selling it to reduce capital gains tax in...

Taxes

When does the capital gains tax inclusion rate increase take effect?

Ottawa defers effective date of capital gains changes to 2026 and promises exemptions for the tax inclusion increase.