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  • Is purposeful patriotism here to stay? Canadian consumers shift spending in response to U.S. tariffs

    Is purposeful patriotism here to stay? Canadian consumers shift spending in response to U.S. tariffs

    Since President Donald Trump’s re-election in November, tariffs have once again taken center stage in trade policy. His administration introduced a 25% tariff on Canadian imports, a 10% tariff on energy products, and recently a 25% tariff on auto imports. In reaction, Prime Minister Mark Carney has encouraged Canadians to support domestic manufacturers.

    These tariffs are altering the business landscape, with some Canadian retailers reducing their reliance on American suppliers and rethinking their product offerings to minimize the financial risks of shifting trade policies.

    US companies face uncertainty in Canada

    American businesses that once relied on Canadian buyers are now facing challenges. California-based Parasol Co., which manufactures baby products, saw a major Canadian distribution deal fall through due to concerns over trade stability. Similarly, Pennsylvania-based perfume company Demeter Fragrances abandoned plans to expand into Canada, citing a decline in demand for US goods.

    "We decided it was no longer worth the effort given the shifting market sentiment," CEO Mark Crames told Reuters.

    Meanwhile, large retailers, including Walmart Canada, have adjusted their supply chains to reduce reliance on American imports, particularly in sectors heavily impacted by tariffs.

    Automotive trade has also been affected. major economic epicentres like Toronto have excluded Tesla vehicles from its EV rebate program, reinforcing its position on prioritizing domestic and international trade partnerships outside the US.

    Canadian businesses find opportunity

    While some American firms struggle, Canadian companies are stepping up to meet growing demand. Irving Personal Care, a New Brunswick-based diaper manufacturer, has seen a notable surge in sales, as retailers and consumers seek local alternatives.

    “More Canadian families are looking for reliable, high-quality products made domestically,” Jason McAllister, the company’s vice-president of business operations, told Reuters. “That shift is helping us expand our reach in the market.”

    This changing trade environment presents financial advantages for Canadian consumers. Buying locally not only helps insulate shoppers from fluctuating import costs, but it also supports the national economy by bolstering jobs and businesses.

    What Canadian shoppers should know

    Canadians looking to adapt their shopping habits can focus on several strategies. Checking product labels, shopping from Canadian-owned businesses and prioritizing brands that manufacture in Canada are all effective ways to ensure spending supports the domestic economy.

    While some Canadian-made products may carry higher upfront costs, financial analysts suggest they often provide better long-term value by offering better durability and reducing replacement costs.

    Additionally, supporting local businesses can help stabilize industries facing uncertainty due to global trade shifts.

    As cross-border trade policies continue to evolve, Canadians are navigating a new economic reality — one where choosing homegrown products may not only be a patriotic decision but also a smart financial move.

    This article Is purposeful patriotism here to stay? Canadian consumers shift spending in response to U.S. tariffsoriginally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Warren Buffett revealed 1 simple test for spotting a ‘perfectly satisfactory’ asset — here’s how to shockproof your nest egg amid Donald Trump’s tariff-fueled chaos

    Warren Buffett revealed 1 simple test for spotting a ‘perfectly satisfactory’ asset — here’s how to shockproof your nest egg amid Donald Trump’s tariff-fueled chaos

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    The stock market has taken a hit in recent weeks, as escalating trade tensions under President Donald Trump have rattled investor confidence. Many are worried about the fate of their finances.

    But investing legend Warren Buffett has a simple test to help cut through the noise — and spot what truly counts.

    In a 2018 interview with Yahoo Finance, Buffett said there are two types of things people buy: one qualifies as a real investment — the other, not so much.

    Don’t miss

    The test to tell the difference is simple. If trading were banned for a period of time, would the asset still hold up?

    Buffett walked through how that works with some examples.

    “If you buy something — a farm, an apartment house or an interest in a business — and look to the asset itself to determine whether you’ve done something, what the farm produces, what the business earns, and so on, you don’t really care whether the stock market’s open,” Buffett said. “You look at the investment itself to deliver the return to you.”

    Simply put, the kinds of assets Buffett sees as real investments produce returns on their own. They don’t need an open market — or a future buyer — to be worthwhile.

    That’s not the case with more speculative assets. As Buffett explained:

    “Now, if you buy something like Bitcoin or some cryptocurrency, you don’t have anything that’s producing anything. You’re just hoping the next guy pays more — and you only feel you’ll find the next guy to pay more if he thinks he’s going to find somebody that’s going to pay more.”

    Buffett’s philosophy can offer peace of mind. Markets are inherently volatile. Even high-quality assets can swing wildly in price. But if your investment doesn’t depend on being sold to someone else to deliver value, you can worry less about the day-to-day ups and downs.

    He summed it up clearly: “If you ban trading in farms, you could still buy farms and have a perfectly decent investment.”

    Let’s take a closer look at the kinds of assets that pass Buffett’s test — and how you can get in on them.

    Real estate

    Buffett may not be known as a real estate investor, but he often uses real estate to illustrate what a productive, income-generating asset looks like.

    In 2022, Buffett stated that if you offered him “1% of all the apartment houses in the country” for $25 billion, he would “write you a check.”

    Why? Because regardless of what’s happening in the broader economy, people still need a place to live and apartments can consistently produce rent money.

    The best part? You don’t need to be a billionaire investor to get in the game. Crowdfunding platforms like Arrived have made it easier for average Americans to invest in rental properties without the need for a hefty down payment or the burden of property management.

    With Arrived, you can invest in shares of rental homes with as little as $100, all without the hassle of mowing lawns, fixing leaky faucets or handling difficult tenants.

    The process is simple: browse a curated selection of homes that have been vetted for their appreciation and income potential. Once you find a property you like, select the number of shares you’d like to purchase, and then sit back as you start receiving rental income deposits from your investment.

    If you’re interested in commercial real estate, there are plenty of opportunities as well.

    First National Realty Partners (FNRP), for instance, allows accredited investors to diversify their portfolio through grocery-anchored commercial properties without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Simply answer a few questions — including how much you would like to invest — to start browsing their full list of available properties.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Farmland

    Farmland is another asset Buffett likes to point to — and yes, it passes his test with flying colors.

    Alongside his comment about apartments in 2022, he also stated: “If you said … for a 1% interest in all the farmland in the United States, pay our group $25 billion, I’ll write you a check this afternoon.”

    Just like housing, farmland meets a basic human need. No matter what’s happening in the markets, people still need to eat. That consistent demand makes farmland a resilient, long-term asset — and often a hedge during times of economic uncertainty.

    If you are interested in gaining exposure to this space, FarmTogether is an all-in-one investment platform that lets qualified investors buy stakes in U.S. farmland. The platform identifies high-potential agricultural properties and then partners with experienced local operators to manage the land effectively.

    Depending on the type of stake you want, you can get a cut from both the leasing fees and crop sales, providing you with a cash income. Then, years down the line after the farm rises in value, you can benefit from appreciation of the land and profits from its sale.

    Index funds

    When it comes to advice for everyday investors, Buffett suggests one simple thing: an S&P 500 index fund. These are investment funds that offer broad exposure to the S&P 500 — the top stocks listed on U.S. exchanges.

    Such a straightforward approach gives investors instant diversification without the need for constant monitoring or active trading.

    The beauty of this approach is its accessibility — anyone, regardless of wealth, can take advantage of it. Even small amounts can grow over time with tools like Acorns, a popular app that automatically invests your spare change.

    Signing up for Acorns takes just minutes: link your cards, and Acorns will round up each purchase to the nearest dollar, investing the difference — your spare change — into a diversified portfolio. With Acorns, you can invest in an S&P 500 ETF with as little as $5 — and, if you sign up today, Acorns will add a $20 bonus to help you begin your investment journey.

    Just keep in mind that, while the S&P 500 has a healthy average annual rate of return, past gains don’t guarantee future returns. There may be rough times ahead, but long term, tracking the index can provide results.

    What to read next

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Bernie Sanders calls White House allegations of Social Security fraud and waste ‘a prelude not only to cutting benefits, but to privatizing.’ How outsourced Social Security might work

    Bernie Sanders calls White House allegations of Social Security fraud and waste ‘a prelude not only to cutting benefits, but to privatizing.’ How outsourced Social Security might work

    Could misinformation about Social Security be paving the way for privatization? That’s how Bernie Sanders sees it.

    Sen. Bernie Sanders of Vermont told CNN that lying about Social Security “is a prelude not only to cutting benefits, but to privatizing Social Security itself.” By making the system appear dysfunctional, then “why would anybody want to support it?”

    Don’t miss

    DOGE aims to cut 12% of the Social Security Administration (SSA) workforce, reducing staff from 57,000 to 50,000. It’s also consolidating 10 regional offices down to four and closing 45 field offices across the country, according to Government Executive.

    A leaked email from SSA’s acting commissioner Leland Dudek, published by The Bulwark, sparked fresh fears about privatization.

    The March 1 email to staff stated they need to “revitalize SSA operations by streamlining activities” and “outsource nonessential functions to industry experts.”

    Why lawmakers are talking about privatizing Social Security

    This wouldn’t be the first time politicians have attempted to privatize Social Security. Back in 2005, former president George W. Bush floated the idea of creating privatization accounts, in which workers could divert a third of their payroll taxes into a private account. It did not go over well.

    What’s different this time? A false narrative that the current program is rife with waste and fraud.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Elon Musk, who spearheads the Department of Government Efficiency (DOGE), told Fox News that Social Security was “a mechanism by which the Democrats attract and retain illegal immigrants by essentially paying them to come here and then turning them into voters.”

    In late February, Musk told podcaster Joe Rogan that Social Security is the “biggest Ponzi scheme of all time,” and accused the program of fraud and abuse.

    President Donald Trump has reiterated Musk’s false assertion that millions of dead people are receiving Social Security checks.

    Under the Biden administration, the SSA’s Office of the Inspector General conducted Social Security audits of payments from 2015 and 2022 and found that most improper payments were overpayments — not payments to dead Americans.

    The office uncovered $72 billion in improper payments, but while that sounds like a lot, it’s less than 1% of the total benefits distributed over seven years.

    “So why do you lie so much about Social Security? Why do you make it look like it’s a broken, dysfunctional system?” Sanders asked in the CNN interview. “The reason is to get people to lose faith in the system, and then you can give it over to Wall Street.”

    Pros and cons of privatization

    Social Security has been under the microscope for years, thanks to a long-term funding shortfall. If nothing is done, it will run short of funds by 2034, with only enough to pay beneficiaries 79% of their scheduled benefits.

    The program is funded by employers and employees through payroll taxes (each paying 6.2% of the employee’s earnings, while self-employed workers pay the full amount).

    But with fewer working-age Americans and a record number of baby boomers retiring, those payroll taxes aren’t producing enough revenue to keep pace with demand.

    There are a number of options for making up this shortfall, such as raising the retirement age, eliminating the taxable income cap or raising payroll tax rates.

    A vast majority (85%) of Americans polled in a National Academy of Social Insurance survey (NASI) want their Social Security benefits to remain intact — even if it means raising taxes.

    Advocates of privatization believe the private sector could do a better job managing the program. Privatization would involve diverting payroll tax contributions into self-directed private accounts.

    Proponents say this would give workers more options and allow them to make better investment decisions. For example, they could increase their contributions so they could build up their retirement funds faster.

    Advocates say it could result in better investment returns. Currently, Social Security funds are invested in low-risk government bonds, which are guaranteed by the U.S. government.

    Critics of privatization say it carries more risk. Rep. John Larson (D-Conn), pointed out in an interview with CNBC that people’s 401(k) plans dropped in value alongside the stock market crash of 2008 — but Social Security never missed a payment.

    Another consideration is the cost of the transition.

    “Social Security has accumulated trillions of dollars in liabilities to workers who are already retired or who will retire soon,” according to Brookings research. “To make room for a new private system, policymakers must find funds to pay for these liabilities while still leaving young workers enough money to deposit in new private accounts.”

    What to read next

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Is a long-distance rental investment worth it? Here are the risks and rewards of managing rental properties from afar

    Is a long-distance rental investment worth it? Here are the risks and rewards of managing rental properties from afar

    Many people opt to buy real estate for the purpose of renting it out as an investment. And owning a rental property nearby is risky enough. But the risk can be even greater if you decide to buy a long-distance rental.

    It may be that you’re in your 20s or 30s without kids, so you have time to travel back and forth to a rental in another state. Or, it may be that you’re a recent retiree looking for a project plus extra money and can afford an income property that cash flows in a different market that’s a few hundred miles away.

    There can be benefits to going this route, but also drawbacks. So it’s important to know what you’re getting into.

    Don’t miss

    The pros and cons of a long-distance rental investment

    Investing in real estate isn’t for the faint of heart. The upside is obvious — you get a chance to diversify your portfolio, collect what could be a steady stream of rental income, and have someone else’s money paying the mortgage on a property that could gain a lot of value over time.

    But investing in real estate carries risk. Your property might sit vacant, leaving you to cover its mortgage — or worse. Your property taxes could rise. Things could break. Or a tenant could do far more damage than what their security deposit covers and leave you on the hook for the bill.

    When you invest in a long-distance rental, the potential for complications could increase. Since you’re not there all the time to oversee the property, your tenants might have an easier time violating your rules (such as smoking when the lease forbids it or having pets when they’re not allowed).

    Also, being many miles away from your rental makes it challenging to address repair issues as they arise. You could hire a property manager who’s local to oversee your rental for you, but that’ll eat into your profits.

    Coastline Equity says that property managers typically charge fees as a percentage of monthly rent collected. A common range is 4% to 12%. Maintenance fees may be extra.

    On the other hand, buying a long-distance rental investment could make it possible to tap into a less expensive or less saturated market, and one that is emerging. If your local area is filled with available rentals, there’s more competition. And if your local area is expensive, a rental property may not fit into your budget. So going outside your immediate geographic area could work to your benefit.

    Also, buying a rental property in a new area might afford you the opportunity to spend time and discover another place you enjoy. If you’re fairly young and unattached, you might even look forward to visiting a different city a few times a year to check in on your rental (and potentially getting to write off that trip as an expense on your taxes). And as a retiree, you might appreciate the change of scenery.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Also, depending on the nature of your long-distance rental, it could serve as a vacation spot for you. This may not work with a property you rent out on a yearly basis. But if you live in the mountains and buy a rental property 300 miles away near the beach that you rent out week by week, you can block off a few weeks to enjoy that property yourself. And that way, you can visit a favorite area repeatedly without having to worry about securing lodging.

    How to make smart long-distance rental investment decisions

    A 2024 Clever survey found that 90% of residential real estate investors have lost money on an investment. And 87% have regrets about investing in real estate. So if you’re going to buy a long-distance rental property, it’s important to do your research.

    First, get the scoop on the local market. This may be easier with the help of a real estate agent who knows your prospective area very well and who will be familiar with the local rental trends. Find out what vacancy rates tend to look like and ask for numbers to see what sort of rent you can reasonably expect.

    There are certain types of areas you may want to focus on for a long-distance rental. First, areas with highly rated school districts tend to be a draw. You can research school districts here.

    Secondly, college towns tend to be perpetually busy, with students and staff alike needing housing on a year-to-year basis. The same holds true for areas with large hospital systems. Medical residents often need housing close to work. The same holds true for areas with booming job markets or industries.

    You can also look at rentals that are in close proximity to attractions like theme parks, beaches, and ski resorts. But again, it pays to work with a real estate agent, because some of these areas may be fairly saturated with rentals already.

    Another thing you may want to look at is up-and-coming neighborhoods — those that are being developed but aren’t quite there yet. Neighborhoods in this category often allow investors to get in at lower price points and then profit when property values soar.

    You’ll also want to be mindful of local landlord-tenant laws in any area you opt to buy. To this end, you may need — not just a good real estate agent — but an attorney as well.

    If you’re going to buy a long-distance rental, you’ll also need to have the right support system in place. That could mean hiring a competent property manager (or property management company) familiar with the area and that can handle day-to-day operations effectively. Alternately, it could mean maintaining a list of trusted contractors in the area you can call in a pinch.

    There are also different online tools landlords can use to manage their rentals, like Avail or Rent Manager. It pays to explore different options to see which platform you find easiest.

    Finally, before you buy a rental property in an area you’re not familiar with or close to, spend some time there and talk to the locals. That may give you enough insight to decide whether you’ve chosen the right location for a long-distance rental, or whether you’re about to make a decision that groups you with the other 87% of those who regret such an investment.

    In the end, if you decide that buying a rental property outright isn’t for you, you can always explore other ways to invest, such as with real estate crowdfunding platforms.

    What to read next

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Trump made 1 big move to make America the ‘crypto capital of the world’ — claims he’s going to ‘make a lot of money’ for the country. Here’s what he did and 3 ways to get rich from it

    Trump made 1 big move to make America the ‘crypto capital of the world’ — claims he’s going to ‘make a lot of money’ for the country. Here’s what he did and 3 ways to get rich from it

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Donald Trump has wasted no time making cryptocurrency a centerpiece of his presidency. During his campaign, Trump vowed to make America the crypto capital of the world, and since taking office on January 20, he has made good on that promise.

    One of his first major actions in office was signing an executive order to establish an internal working group dedicated to advancing cryptocurrency adoption.

    Don’t miss

    He also appointed venture capitalist David Sacks as chair of the President’s Council of Advisors on Science and Technology.

    The shift toward digital currency — with fewer restrictions from banks and the U.S. Securities and Exchange Commission (SEC) — has become a defining feature of Trump’s 47th presidency.

    “You like (cryptocurrency)?” Trump said, upon signing the executive order on January 23, “We’re gonna make a lot of money for the country.”

    His aggressive pro-crypto stance has reignited the industry. After struggling through disappointing years, Bitcoin surged over 36% between November 6 — when Trump’s election win was certified — and December 31. They have also been the best-performing asset class in 2024, raising almost 125% year-over-year.

    How to invest in crypto

    During his 2024 election campaign, Trump positioned himself as a “pro-Bitcoin” candidate, claiming it “stands for freedom sovereignty, and independence from government, coercion and control.”

    Trump has touted his 47th presidency as a “golden age for America,” and the cryptocurrency industry stands to benefit.

    “The reign of terror against crypto is over,” said Sacks, the newly appointed AI and crypto czar, at the Crypto Ball in New York on January 17, “The beginning of innovation in America for crypto has just begun.”

    Bitcoin crossed $100,000 for the first time since December 2024, hitting an all-time high of over $109,000 on Trump’s inauguration day.

    Matt Hougan, Chief Investment Officer at Bitwise, predicts this momentum will continue through 2025, with Bitcoin potentially surpassing $200,000 by year-end.

    You can invest a percentage of your portfolio in the cryptocurrency of choice through zero-fee trading platforms like Robinhood Crypto.

    With Robinhood Crypto, you can buy and sell cryptocurrency for as little as $1 — without having to pay commission or other charges. You can also get up to a 1% deposit match on all crypto deposits and transfers.

    The platform has the lowest trading costs (on average) in the US. Meaning, you could get up to 3.6% more crypto when you buy through Robinhood Crypto.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    Understand your risk aptitude before investing

    However, investing in crypto comes with risks. Bitcoin has already pulled back by over 3% in the past week as initial enthusiasm around Trump’s presidency fades.

    “Investors should also recognize that volatility can work in both directions: while it presents the possibility of substantial upside gains, it equally entails the risk of significant losses,” said Dovile Silenskyte, Director of Digital Assets Research at WisdomTree Investments.

    To mitigate risk, consider diversifying your investments. Allocating a portion of your total portfolio to tried-and-true assets can help reduce exposure to crypto volatility. You may want to seek help from an expert to do this properly.

    With Advisor.com, you can find the best advisor for your needs — both in terms of what they can offer your finances, and what they’ll charge to work for you.

    Advisor.com is a free service that helps you find a financial advisor who can co-create a plan to reach your financial goals. By matching you with a curated list of the best options for you from their database of thousands, you get a pre-screened financial advisor you can trust.

    You can then set up a free, no obligation consultation to see if they’re the right fit for you.

    Gold

    Gold has long been a hedge against inflation and stock market downturns. With geopolitical tensions rising, analysts at JPMorgan predict gold prices could reach $3,000 in 2025.

    And because of the precious metal’s safe-haven status, investors often rush toward it in times of crisis.

    These days, you don’t even have to go to a bullion shop to buy precious metals. Plenty of online platforms offer a wide selection of gold and silver bars and coins and fair pricing.

    Additionally, you can combine the recession-resistant nature of gold with the tax benefits of an IRA by opening a gold IRA.

    You can check out our top picks for industry-leading companies offering gold IRAs.

    Compare offers instantly and request a free information guide to help you understand how this type of investment could help buffer your portfolio in times of volatility.

    Real estate

    Real estate is another way to hedge against market risks while building wealth. As commercial real estate makes a comeback, investing in grocery-anchored properties could provide a stable passive income stream amid uncertainty.

    Real estate can also diversify your portfolio while remaining hedged against other risks, such as inflation or geopolitical influences. Commercial real estate is poised to make a come-back this year, with Trump and Elon Musk preaching the benefits of working from office.

    The retail sector has been the most resilient — entering 2025 with the lowest vacancy rate. CBRE Group predicts the demand for retail commercial real estate to continue growing through the year, especially in suburban areas and Sun Belt cities.

    Accredited investors can tap into this momentum by investing in institutional-quality commercial real estate through First National Realty Partners (FNRP).

    FNRP leases properties to some of the most popular necessity-backed retail chains, like Walmart, CVS, Kroger, and Whole Foods. The company does all the legwork — so you can become a commercial landlord without having to deal with any of the hassles of property ownership.

    FNRP distributes any positive cash flows as cash distributions to investors every quarter, helping you set up a potential passive income stream.

    What to read next

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Feed your fur-baby the best! Here’s a comprehensive guide to Canadian-owned/made pet foods

    Feed your fur-baby the best! Here’s a comprehensive guide to Canadian-owned/made pet foods

    Trump’s tariff trade wars are all over the news, and you’re determined to shop Canadian. Well, you’ll be happy to hear that your furry family members can do their part. We’ve put together a comprehensive list of Canadian pet food brands that make it easier to make the switch.

    To be considered for this list, pet foods must not only be made in Canada, but also be Canadian owned. That means brands such as Acana and Royal Canin didn’t make our list — that’s because even though this food is made in Canada, the brands are owned by a US parent company (in this case, Mars).

    You can buy any of these pet foods directly from the manufacturers’ websites, but if you prefer brick and mortar stores, you can try shopping at Pet Valu. This pet store giant is Canadian-owned and operated. As well, most of the local boutique pet stores in your neighbourhood are also Canadian-owned and operated.

    Canadian dry pet food (alphabetical)

    • 1st Choice Nutrition
    • Canadian Naturals
    • Carna4
    • FirstMate
    • Harlow Blend
    • Horizon Pet Nutrition
    • Lily & Jax
    • Nutrience
    • Nutram
    • Oven-Baked Tradition
    • Petcurean Gather, Go! Solutions and Now Fresh
    • Pronature
    • Vetdiet
    • Zoe

    Read More: A surprise trip to the vet can cost $1,000 or more. Don’t get caught off guard. See how pet insurance can ease the stress — and cost — of caring for fur babies. Protect yourself now

    Canadian wet pet food (alphabetical)

    • Canada Fresh
    • FirstMate
    • Harlow Blend
    • Kasiks
    • Nutram
    • Nutrience
    • Oven-Baked Tradition
    • Petcurean
    • PetKind
    • Vetdiet
    • Zoe

    Canadian dehydrated or freeze-dried pet food (alphabetical)

    • Hurraw
    • Grand Cru
    • Puppy Love
    • Smack
    • Zeal Canada

    Canadian frozen raw pet food (alphabetical)

    • Big Country Raw
    • Bold by Nature
    • CarivoraBack2Raw
    • Healthy Paws
    • Iron Will Raw
    • K9 Choice Foods
    • Legacy Pet Foods
    • Pets Go Raw

    Did I miss any? If you’ve got one that I’ve missed, please let me know by dropping a comment down below, and I’ll add it to the list.

    This article Our comprehensive guide to Canadian-owned and -made pet foods originally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Canada sees surge of support for buying local

    Canada sees surge of support for buying local

    A new Interac survey shows nearly all – nine in 10 – Canadians say supporting local Canadian businesses is important to them. Only slightly less, eight in 10, agree that buying Canadian feels more important than it did last year, due to the trade tensions caused by the US.

    "Amid the current climate of economic uncertainty and evolving tariff threats, Canadians are looking at their spending in a new light," Debbie Gamble, Interac’s group head, chief strategy and marketing officer, said in a statement.

    "Our survey results confirm that Canadians are very intentionally exercising their spending power – choosing to support local businesses even if they may need to spend more to do so. This trend has emerged despite longstanding cost-of-living pressures and demonstrates a powerful commitment to local communities."

    In fact, the ‘buy Canadian’ impulse is not weakened by pricier goods, with over half prepared to spend an extra $5 to buy a product locally. A third would pay $10 more.

    Power of buying Canadian

    Buying Canadian-made products is more than just a mantra for many. The sentiment is gaining momentum in lockstep with increased tensions regarding US trade and it’s making many of us think far more seriously about the origins of our purchases when we shop. Among the top motivations for choosing Canadian-made products are:

    • Supporting the local economy (79%)
    • Trust in Canadian quality standards (56%)
    • Patriotism/Canadian pride (55%)

    More than two thirds of Canadians polled believe the way they choose to spend their own money has a direct impact on their local community. Subsequently, 73% of Canadians see more value in spending their dollars on local or Canadian-made goods.

    Another majority – eight in 10 Canadians – are likely to choose Canadian-made products over imported ones.

    When it comes to which businesses deserve support, 82% of respondents to the survey said they prioritize micro and small businesses in their communities, while just under a quarter identified large international corporations.

    Given the strong support for homegrown products, three quarters of Canadians believe local businesses are more important to their communities than online-only retailers.

    Product clarity

    Despite the surge in maple syrup-blooded patriotism, many respondents reported difficulties in determining where each product originated.

    While seven in 10 Canadians polled actively look for products that are clearly Canadian-made, four in 10 find it difficult to verify where products are made before purchasing.

    “Sixty-six cents of every dollar spent locally, stays locally. It benefits the business, their employees and the whole community,” Dan Kelly, president of the Canadian Federation of Independent Business, said.

    Survey methodology

    The survey was conducted by Hill & Knowlton from February 6 to 9, among a representative sample of 1,500 Canadians using Léger’s online panel.

    This article Canada sees surge of support for buying localoriginally appeared on Money.ca

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • I’m 67, retired, and only carrying a modest mortgage — but my car is on its last legs. I’m scared to buy even used with my fixed income. What should I do?

    I’m 67, retired, and only carrying a modest mortgage — but my car is on its last legs. I’m scared to buy even used with my fixed income. What should I do?

    For many Americans, retirement means freedom: The flexibility to hit the links whenever the sun shines, or even to take a road trip to visit parts of the country you’ve never seen or far-flung family members.

    But once you retire and start living off a fixed income, slowly drawing down your savings, you need to be careful about how you spend your money — especially if you’re still carrying a mortgage.

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    Of course, you’re far from alone in this. Data from the Federal Reserve revealed 64.8% of households ages 65 to 74 carried debt in 2022, which is a significant increase from the 49.7% of older households in debt in 1989. Average debt also surged from $10,150 per household ages 65 to 74, up to $45,000 between 1992 and 2022.

    If you’re just carrying mortgage debt, you’re doing pretty well for your demographic. However, unexpected expensive purchases can take a toll on your budget. Say you’ve been retired for two years since you packed it in at 65 and all those road trips to visit family have taken a toll on your current vehicle. It’s time to replace it. You’re willing to opt for used, but you’re still feeling a bit of sticker shock at what it costs to buy even secondhand these days.

    If you’re now trying to decide if you should borrow for a car, though, you should be aware that you’ll be joining the ranks of retirees with non-mortgage debt. And you’re right to be nervous about doing that, as committing to making monthly payments while you’re on a fixed income can be tough since you’ll have less money to spend going forward once you do that.

    If you need transportation, you may feel like you have no choice, though — but before you move forward, there are a few things to think about first.

    How to decide if you can afford a vehicle on a fixed income

    The first thing you’re going to need to do is to make sure that your vehicle will be 100% affordable if you borrow for it. You do not want to increase your retirement account withdrawal rate above a safe withdrawal rate, which Morningstar analysts now agree is 3.7%, although it used to be 4%.

    If you can afford car payments while sticking to a safe withdrawal rate, either because you have wiggle room in your budget already or because you can cut back on non-essentials, then you can go forward with borrowing if you must.

    You also can’t forget about the costs of maintenance and insurance, though, which you’ll want to ensure you can afford on your budget before moving forward. You can get insurance quotes before you buy to estimate these expenses.

    Make sure you don’t borrow too much

    If you do the math and the car payments, maintenance, and insurance costs seem reasonable, there are still a few caveats to consider.

    First, experts recommend you aim to make a down payment of at least 10% if you’re buying a used car and 20% if you’re buying new. This will help you avoid ending up “underwater” or owing more than the car is worth.

    If you don’t put money down, the car can depreciate or decline in value faster than your loan balance, and this creates big problems because you can’t easily sell the car or refinance if you need to. You would need to bring cash to the table to pay off your loan.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    You also want to avoid taking a very long car loan, as this makes your debt payments last longer and increases your total interest costs, and you’ll want to make sure you understand the terms of your loan, including the total costs over time.

    Experian reports the average monthly auto loan payment in the last quarter of 2024 was $742.

    Further, the typical loan term for has risen to 67.98 months. Being in debt for nearly six years for a vehicle is a long time when you’re 67, especially if your payments are anywhere near this high.

    To avoid committing your older self to such a big payment, which could become less affordable as you begin to incur more expenses due to the effects of aging, aim to limit your loan to the shortest term possible and the lowest amount possible — even if that means your car isn’t the fanciest.

    Alternatives to a car loan in your 60s and 70s

    If you find that a car loan is simply too expensive, or if you’re still concerned about how it will impact your finances, you should consider alternatives before moving forward with borrowing.

    Looking for a cheap used car you can pay cash for could be your best option — but remember, don’t take too much out of your retirement accounts and drain your balance. Instead, work on saving over time from your regular monthly income.

    Leasing a car could come with cheaper monthly payments, but keep in mind you’re essentially renting a car and won’t end up owning it, and you’re restricted in how much you can drive the car and what changes you can make. You could also get stuck either paying a lot to buy the car at the end of the lease, or leasing for the rest of your life and having ongoing payments forever.

    If you can’t pay cash for a car or find an affordable one within your budget, then buying a car simply may not be in the cards. Many older adults get discounts on public transportation, and some communities help them out with low-cost or no-cost rides to stores and medical appointments. While going without a car may seem like a pain, it’s a lot better than going without other necessities like food or medicine.

    If you do decide to buy, be sure to shop for a car loan before you go to the dealer to see if you can get better rates and terms. Focus on affordability by taking the entire cost into account, not just the monthly payment, and don’t take out a long loan or a loan you don’t fully understand, or you could end up with serious regrets.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • Tech giant Nvidia’s market shake-up: What investors should know — and do — after the $277 billion drop

    Tech giant Nvidia’s market shake-up: What investors should know — and do — after the $277 billion drop

    Nvidia Corporation, a titan in the semiconductor industry, has recently experienced significant fluctuations in its market valuation, underscoring the volatile nature of the technology sector. In January 2025, the company faced an unprecedented single-day market capitalization loss of approximately $600 billion, primarily due to emerging competition from Chinese startup DeepSeek. Despite this setback, Nvidia’s strategic initiatives and robust demand for its artificial intelligence (AI)-driven products suggest a resilient trajectory.

    The DeepSeek disruption

    On January 27, 2025, Nvidia’s stock plummeted by 16.5%, erasing nearly US$277 billion in market capitalization — one of the largest single-day losses in the history of U.S. equity markets. This dramatic decline was triggered by DeepSeek’s announcement of an advanced AI model that operates efficiently with less computing power, challenging Nvidia’s dominance in AI hardware. The market’s reaction was swift, reflecting concerns over Nvidia’s future competitiveness.

    Strategic responses and market recovery

    In the wake of this disruption, Nvidia has undertaken several strategic measures to reaffirm its market position. The company introduced the Blackwell AI chip, designed to meet the escalating demands of AI applications. However, the stock’s performance remained subdued, trading sideways as investors awaited tangible results from this new offering.

    "Despite shipping the Blackwell chip, Nvidia’s stock has been trading sideways, and analysts suggest it might need more than a strong earnings report to rejuvenate momentum," Investor’s Business Daily reported. Since unveiling the new Blackwell GPU architecture in early March 2024, Nvidia’s stock has rebounded modestly. Analysts now expect the Blackwell series — designed to outperform Hopper chips in AI inference workloads — to play a pivotal role in regaining market momentum in the second half of 2025.

    Further bolstering its prospects, Nvidia secured a significant contract with South Korea, which announced plans to acquire 10,000 Nvidia GPUs for a national AI computing centre, indicating robust international demand for Nvidia’s products beyond the U.S. tech market. Barron’s highlighted this development, by explaining that "the stock recovery is bolstered by positive developments, such as South Korea’s announcement to acquire 10,000 Nvidia GPUs for a national AI computing center, indicating strong demand beyond U.S. tech companies."

    Financial performance and future outlook

    Nvidia’s financial metrics reflect its resilience amidst market turbulence. In the third quarter of 2024, the company reported a 109% increase in net income to US$19.3 billion, with quarterly sales rising by 94% year-over-year to US$35.1 billion. In its latest earnings report, Nvidia posted Q4 FY2025 revenue of US$22.1 billion, up 265% year-over-year, with data centre revenue soaring to $18.4 billion — a clear indicator of sustained global demand for AI infrastructure.

    The Times reported, "Nvidia, the leading American chipmaker, reported a 109% rise in net income to $19.3 billion for Q3 2024, surpassing analysts’ expectations amidst tremendous AI-driven demand for their chips."

    Despite these positive indicators, Nvidia faces challenges, including increased competition and potential regulatory hurdles. The company’s ability to innovate and adapt will be crucial in maintaining its leadership position in the AI hardware market. As the technology landscape evolves, Nvidia’s strategic decisions in product development and market expansion will significantly influence its future performance.

    Bottom line

    While Nvidia has encountered notable market volatility, its proactive strategies and sustained demand for AI technologies position it well for recovery and growth. Investors and industry observers will keep a close eye on how Nvidia navigates these challenges in the dynamic semiconductor sector.

    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

  • A Charlotte woman is pleading with officials after finding serious issues in brand new home — has spent $40K out of pocket, faces $300K for structural repairs. Here’s the city’s response

    A Charlotte woman is pleading with officials after finding serious issues in brand new home — has spent $40K out of pocket, faces $300K for structural repairs. Here’s the city’s response

    We adhere to strict standards of editorial integrity to help you make decisions with confidence. Some or all links contained within this article are paid links.

    Katherine Graff moved into a newly built home in Morganton, North Carolina in May 2023. In less than two years, her brand-new home has already cost her $40,000 for structural repairs.

    And based on recent engineering inspections, she believes it could cost her up to $300,000 more — despite a home inspection before she moved in.

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    “I’m never gonna get my money back from this house. All my retirement, everything. I mean, this is your biggest investment of one’s lifetime and it’s gone,” Graff shared with WCNC Charlotte reporters.

    Within a month of moving in, Graff says she noticed carpenter ants coming through significant gaps in her home’s siding. When she went into the home’s crawl space, she noticed even more issues with the foundation and structure of the home, including large gaps and misaligned pillars.

    Complaints to the builder and government agencies went nowhere

    Graff has experience in building. She’s worked in brand new buildings, including schools and hospitals, “pulling wire,” a term often used to refer to the work electricians do to pull wire through walls when running electricity.

    Graff reached out to builder Timothy Truitt of CMTT Properties and Belmont Builders, but he responded with resistance. “He pretty much said, ‘Nope,’ and sent me a letter from his lawyer telling me not to contact him anymore,” she said. Graff then filed a complaint with the North Carolina Licensing Board, which is currently investigating.

    Graff also contacted Burke County officials for help but felt ignored, as they took no meaningful action or updated their procedures.

    The situation worsened when Graff discovered Truitt might not have had a valid license when construction began. While county inspection sheets showed work started in September 2022, state records revealed the builder’s license wasn’t valid then, and the county didn’t conduct a license search until a month later. This raised serious concerns about the legitimacy of the builder’s actions.

    Buying property can sometimes be a risk, but there are ways to get into the real estate market without too many headaches. With First National Realty Partners (FNRP), for instance, you can diversify your portfolio through grocery-anchored commercial properties, without taking on the responsibilities of being a landlord.

    With a minimum investment of $50,000, accredited investors can own a share of properties leased by national brands like Whole Foods, Kroger and Walmart, which provide essential goods to their communities. Thanks to Triple Net (NNN) leases, accredited investors are able to invest in these properties without worrying about tenant costs cutting into their potential returns.

    Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says this 7-step plan ‘works every single time’ to kill debt, get rich in America — and that ‘anyone’ can do it

    How to protect yourself from similar struggles

    WCNC Charlotte contacted Burke County Manager Brian Epley, who explained that construction projects are contracts between homeowners and builders, with the county ensuring code compliance with North Carolina and Burke County standards. He confirmed the county investigated the property and forwarded their findings to the NC License General Contracting Board, but they have not yet received any results.

    To protect yourself when purchasing or building a home, consider these tips:

    • Verify the builder’s credentials
    • Hire a reputable inspector
    • Report builder issues to local authorities and licensing board

    If all else fails, be prepared to take legal action. Filing a civil case may force the builder or the builder’s insurance company to pay for updates and repairs for structural issues. Currently, Graff is urging county officials to improve their processes and prioritize citizens over builders.

    Hassle-free property ownership

    If you aren’t ready to jump into home ownership, there are platforms like Arrived that let you buy stakes in rental properties, earn dividends and skip the responsibilities of property management.

    Backed by world class investors like Jeff Bezos, Arrived’s easy-to-use platform offers SEC-qualified investments such as rental homes and vacation rentals for as little as $100.

    Their flexible investment options allow both accredited and non-accredited investors to benefit from this inflation-hedging asset class with ease.

    You start by browsing vetted properties, then you simply select a property and choose the number of shares to buy.

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    This article provides information only and should not be construed as advice. It is provided without warranty of any kind.