The Millennial Optimist is a personal finance blog that is dedicated to teaching millennials on how to save and invest their money! It is never too early to begin saving for retirement and our goal is to empower everyone to take control of their money and achieve financial independence sooner!
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Investing for Beginners – TFSA Accounts As a Canadian, there are many tax-exempt ways to begin investing like opening a TFSA account. Before we delve into the benefits of the TFSA, for those who live in the US, the TFSA is very similar to the Roth IRA as they are both Tax-Free accounts that allow you to accrue wealth without having to pay the government a cut of your profits through tax. You can also open a TFSA at any financial institution and you are now able to open an account online without ever needing to set foot in a bank. The TFSA (Tax-Free Savings Account) was created by the Canadian government in 2009 as a tax-exempt registered account that offered Canadians a special tax benefit on any money that was held in the account. Within your TFSA, you are allowed to hold anything – cash, GICs, mutual funds, ETFs, stocks and bonds – and any income that you earn from your investments are tax-free even if you withdraw the money. What this means is that the earnings (through capita
David’s Easy and Tasty Banana Bread You will not find an easier banana bread online, it is quick to prepare and trust me when I say it: people always come back for seconds! Ingredients: 3 ripe bananas, mashed (you can use fresh or frozen, if frozen, thaw in hot water for 5 minutes) 1 cup of white sugar 1 large egg 1 teaspoon of salt 1 teaspoon of baking soda 1 1/2 cup of flour 1/4 cup of melted butter 1 cup of semi-sweet chocolate chips Directions: Begin by preheating your oven to 325 degrees F and grease your 9x5 inch loaf pan with either oil or butter. Combine bananas and sugar together, add in your egg and melted bowl. Mix together in a bowl. Add your flour and baking soda and salt together in a separate bowl; mix. Add your wet mixture into your dry mixture and mix together until well-combined. Add chocolate chips in and stir until you find that the chocolate is evenly spread throughout the batter. Pour batter into the prepared loaf pan Bake in the preheated oven for
Investing for Beginners – Emotions and the Stock Market One of the biggest tips when it comes to investing in the stock market is to avoid being emotional as emotions can negatively affect your returns. Although emotions are great in many situations that you might find yourself in every day, when it comes to the stock market, there is nothing more dangerous than being emotional. Imagine this, you have just invested your first $2,000 in a blue-chip stock – a stable stock that has a large market capitalization with an excellent reputation. You know that this decision is a smart one as the stock might not provide a high return but will provide a return that is in line with the stock market and is considered to be a safe investment option. It is a safer investment option as the company has been around for a long time and has built up an incredible reputation and it also might provide a strong quarterly dividend. Now your friend, who is less interested in personal finance and more into