Christine Ibbotson

Christine Ibbotson

Ask the Money Lady

Christine Ibbotson is a Canadian finance writer, radio host  and YouTuber.  For more advice check out her YouTube channel: Ask the Money lady – Your Canadian Finance Coach. Visit her website at www.askthemoneylady.ca or send a question to info@askthemoneylady.ca

Recent articles of Christine Ibbotson

What else can I invest in?

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What else can I invest in?

Christine Ibbotson 4 minute read Wednesday, Mar. 15, 2023

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Wednesday, Mar. 15, 2023

Dreamstime

Buying a fixer-upper home and then selling it once it has been remodeled is a very lucrative way to make money.

A ‘good’ retirement starts with a plan

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A ‘good’ retirement starts with a plan

Christine Ibbotson 4 minute read Wednesday, Mar. 1, 2023

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Wednesday, Mar. 1, 2023

Dreamstime

The first 18 months of so of retirement are called the ‘honeymoon phase,’ when many retirees travel and explore far more than they will in later years.

Starting again? Consider a collateral charge

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Starting again? Consider a collateral charge

Christine Ibbotson 4 minute read Wednesday, Feb. 22, 2023

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Wednesday, Feb. 22, 2023

Dreamstime

Older couples buying a home who bring different assets to the table may want to investigate setting up a collateral charge to ensure a 50/50 split.

‘Should I buy the extra insurance?’

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‘Should I buy the extra insurance?’

Christine Ibbotson 4 minute read Wednesday, Feb. 15, 2023

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Wednesday, Feb. 15, 2023

Dreamstime

You never know what will happen in the future, so you shouldn’t underinsure yourself.

Set ground rules for your adult kids

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Set ground rules for your adult kids

Christine Ibbotson 3 minute read Wednesday, Feb. 8, 2023

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Wednesday, Feb. 8, 2023

Dreamstime

We all want our children to succeed but we shouldn’t be expected to support them forever, either.

Diversify your portfolio with structure notes

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Diversify your portfolio with structure notes

Christine Ibbotson 4 minute read Wednesday, Feb. 1, 2023

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Wednesday, Feb. 1, 2023

Dreamstime

Structured notes vary by complexity and risk and are a good investment product to consider adding to your portfolio for further diversification.

The art of leaving a legacy

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The art of leaving a legacy

Christine Ibbotson 4 minute read Wednesday, Jan. 25, 2023

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Wednesday, Jan. 25, 2023

Dreamstime

There are many organizations that rely solely on the generosity of people helping their cause, and giving a gift of your time is a meaningful of leaving a legacy.

Have you heard about the tax-free FHSA?

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Have you heard about the tax-free FHSA?

Christine Ibbotson 4 minute read Wednesday, Jan. 18, 2023

Many first-time homebuyers have cooled off and ceased their house-hunting as the market levels off with interest rates still climbing. Home prices have still not dropped as low as some buyers were hoping for and as we sit poised ahead of another year, it is now anyone’s guess what will happen.

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Wednesday, Jan. 18, 2023

Dreamstime

The new First-time Homebuyers Savings Account program begins April 1 and allows people to save up to $40,000 tax-free toward the purchase of their first homes.

Fulfill your earning potential in 2023

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Fulfill your earning potential in 2023

Christine Ibbotson 4 minute read Wednesday, Jan. 11, 2023

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Wednesday, Jan. 11, 2023

Dreamstime

You can earn whatever you want in your lifetime, but you first must increase your productivity, your performance and create a decisive, goal-setting plan.

Are we headed for a recession?

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Are we headed for a recession?

Christine Ibbotson 3 minute read Wednesday, Jan. 4, 2023

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Wednesday, Jan. 4, 2023

Dreamstime

Many financial advisers and analysts are unsure what the future holds for the economy.

To achieve your goals, you have to do the work

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To achieve your goals, you have to do the work

Christine Ibbotson 5 minute read Wednesday, Dec. 28, 2022

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Wednesday, Dec. 28, 2022

Dreamstime

The first step to saving money for your goals is doing the work to make the necessary changes.

Making money with investments isn’t easy

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Making money with investments isn’t easy

Christine Ibbotson 4 minute read Wednesday, Dec. 21, 2022

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Wednesday, Dec. 21, 2022

Dreamstime

Guided stock portfolios are the method of choice for most Canadians when investing for the future.

Should you top up your TFSA now or in January?

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Should you top up your TFSA now or in January?

Christine Ibbotson 4 minute read Wednesday, Dec. 14, 2022

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Wednesday, Dec. 14, 2022

Dreamstime

Analysts who have studied the ‘January Effect’ speculate that January has a four to six times greater increase in stock performance than any other month during the year.

Traditional versus social media advertising

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Traditional versus social media advertising

Christine Ibbotson 4 minute read Wednesday, Nov. 30, 2022

I have three radio shows that play across Canada on stations which reach 14 million listeners, and my broadcasting partners sell ad space on my shows.

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Wednesday, Nov. 30, 2022

Dreamstime

Deciding where to put your advertising dollars makes for difficult choices.

Single seniors forced to face their reality

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Single seniors forced to face their reality

Christine Ibbotson 3 minute read Wednesday, Nov. 16, 2022

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Wednesday, Nov. 16, 2022

Dreamstime

Single seniors today tend to be asset-rich but income-poor.

Explaining variable versus fixed-rate mortgages

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Explaining variable versus fixed-rate mortgages

Christine Ibbotson 5 minute read Wednesday, Nov. 9, 2022

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Wednesday, Nov. 9, 2022

Dreamstime

First-time homebuyers often opt for fixed-rate mortgages so they can better control their expenses.

Things you don’t do will cost you

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Things you don’t do will cost you

Christine Ibbotson 4 minute read Wednesday, Oct. 26, 2022

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Wednesday, Oct. 26, 2022

Dreamstime

If you believe you are worth more and that you can bring more value, then it is up to you to demonstrate that to your customers and your employer.

How do cohabitation agreements work?

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How do cohabitation agreements work?

Christine Ibbotson 4 minute read Friday, Oct. 21, 2022

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Friday, Oct. 21, 2022

Dreamstime

Couples who decide to live together should discuss and consider creating a cohabitation agreement.

When should I prepare my will?

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When should I prepare my will?

Christine Ibbotson 4 minute read Wednesday, Oct. 12, 2022

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Wednesday, Oct. 12, 2022

Making a will ensures you get the final say over your assets, as well as the care of your children and pets.

Should you consider preferred shares?

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Should you consider preferred shares?

Christine Ibbotson 3 minute read Wednesday, Oct. 5, 2022

I often have people ask me whether they should include preferred shares in their portfolio and although I am not a great fan of this investment product, I have many peers who use them exclusively in their client’s portfolios. So, today let’s talk about all the different types that are available and you can see for yourself if this is an investment style you would like to entertain.

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Wednesday, Oct. 5, 2022

Preferred shares are corporate shares that are not classified as common or restricted. They usually receive a fixed-dividend payment and are bought largely by income-oriented investors to take advantage of dividend tax credits.

A lesson from a children’s book

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A lesson from a children’s book

Christine Ibbotson 4 minute read Thursday, Sep. 29, 2022

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Thursday, Sep. 29, 2022

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Entrepreneur or small-business owner?

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Entrepreneur or small-business owner?

Christine Ibbotson 4 minute read Thursday, Sep. 29, 2022

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Thursday, Sep. 29, 2022

Dear Money Lady,

Judging character and making a good impression

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Judging character and making a good impression

Christine Ibbotson 4 minute read Wednesday, Sep. 28, 2022

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Wednesday, Sep. 28, 2022

Whether accurate or inaccurate, your reputation is everything. The judgements of others are an important part of the social world, and they can greatly affect your future opportunities, your emotions and your personality.

The ins and outs of mutual funds

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The ins and outs of mutual funds

Christine Ibbotson 4 minute read Wednesday, Sep. 21, 2022

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Wednesday, Sep. 21, 2022

Professionally managed mutual funds are often the chosen investment tool of those who don’t have the time or expertise to manage their investments on their own.