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What You Need to Know about Your Canadian Defined Benefit Pension!
What do you know about your pension? Last November during Financial Literacy month, I set about trying to sit down and finally learn...

Ruthy Siemens
Dec 15, 20215 min read
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High Interest Savings Accounts vs Traditional Savings accounts
What's the difference between a Savings Account and a High Interest Savings Account? Sounds obvious, right?! A traditional savings...

Ruthy Siemens
Dec 8, 20213 min read
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What is a Sinking Fund and Why Do I need One?
A sinking fund is a fund that includes all the once a year expenses that we sometimes forget to include in our monthly budget. Quick,...

Ruthy Siemens
Nov 25, 20212 min read
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What is Financial Infidelity? and How Can You Get on the Same Page with your Spouse?
"What is Financial Infidelity and am I a victim or a perpetrator of it?"
Financial infidelity is hiding your purchases and debts from your s

Ruthy Siemens
Nov 16, 20219 min read
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COVID I hate you! Encountering Hard Times...
Oh man, COVID is such a struggle and I'm still not over it and neither is the rest of the world. I never dreamed that we would get COVID...

Ruthy Siemens
Nov 10, 20215 min read
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For Such a Time as This...Mercy Ships Onboarding Class
We have entered a weird world of transition this past month. One of our On Boarding class leaders called it a “vacation with God!” They...

Ruthy Siemens
Oct 28, 20217 min read
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20 Random Facts About Living Onboard the Africa Mercy Ship
In honour of the twenty years that I have been waiting to live aboard Mercy Ships, here are twenty random facts. 1. We get to have church...

Ruthy Siemens
Oct 20, 20214 min read
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First Time Canadian Homebuyers Part 3: Options for Affordable Homebuying
I'll be the first to admit that I had to do quite a bit of research about Canadian Homebuying rules because it's been 16 years since I...

Ruthy Siemens
Jun 28, 20212 min read
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First Time Canadian Homebuyers Part 2: What is the Mortgage Stress Test?
Buying your first home can be super overwhelming and confusing with all the rules and regulations, especially surrounding Mortgage Loan...

Ruthy Siemens
Jun 23, 20213 min read
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First Time Canadian Homebuyers
I’ll be honest, when we purchased our first home, I knew nothing...absolutely nothing...My husband and I were very naïve. Did you know...

Ruthy Siemens
Jun 14, 20213 min read
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Travel Health Insurance for Canadians
Canada is an awesome place to live! Our healthcare system is fan-freakin-tastic! As a nurse, I know full well the many flaws in our...

Ruthy Siemens
Jun 9, 20215 min read
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How I earned over 300K in Aeroplan points in One Year!
So I started playing around with my credit card rewards points and soon realized that the travel redemption could be worth more value than t

Ruthy Siemens
May 11, 20216 min read
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Steps to DIY Investing
Well we took the leap of DIY investing mid-January and it's been an interesting journey so far.
Now, I know why my dad always said, "I don't

Ruthy Siemens
Mar 30, 20215 min read
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Siemens take to the Sea...Aboard Mercy Ships!
Finally! after 20 years of dreaming about going aboard Mercy Ships, my family is leaving on this 2 year journey in just under 90 days!

Ruthy Siemens
Mar 15, 20214 min read
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How to Invest Your TFSA & RRSP
Don't make the same mistake that I did of having an RRSP for years that I was diligently adding money to, but it was never invested in anyth

Ruthy Siemens
Feb 8, 20212 min read
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RRSP & TFSA Guidelines and How Nurses Can Reduce their Taxes!
I'm a bit of a weirdo and actually look forward to tax season because I always get a refund which I think is partly due to my RRSP contribut

Ruthy Siemens
Feb 1, 20215 min read
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What's So Great About Generosity?
How often do we talk about Generosity? We talk about Kindness a lot and kindness and generosity often go together. Can you be Generous...

Ruthy Siemens
Dec 23, 20204 min read
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How compound interest could make you a Millionaire
Compound interest is a bit like fire, it can be harmful or helpful for you depending on whether you are paying it or whether you are receivi

Ruthy Siemens
Nov 16, 20206 min read
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7 Steps to Prevent Student Loans
Today I'm proposing something different. What if we didn’t have to deal with student loan debt because we avoided it like the plague or lik

Ruthy Siemens
Sep 14, 20206 min read
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3 Apps that Can Simplify and Organize Your Life
Use these 3 apps/tools to help you to intentionally purchase the things you love and value and intentionally live the life that you want.

Ruthy Siemens
Aug 3, 202010 min read
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