Gerardo's Advice for Life

October 3rd, 2022 by Gerardo Cappelli

someone tapping their credit card on a pay machine at a restaurant

Tipping Etiquette: When and how much it's appropriate to tip

During the pandemic and even recently in restaurants, I was starting to tip more than usual. I appreciated that the staff were coming in and with all the labour shortages, those that showed up were working harder.  But the other day when we were handed the machine for payment, the minimum amount was 25%! What is appropriate?

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Asset Allocation - October

We are all paying attention to what Jerome Powell, Chair of the Federal Reserve is saying.  He would like to see a period of below potential growth, labour markets must see a better balance between supply and demand and inflation must show a clear declining towards 2%.

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Six strategies for volatile markets

It has been a tough year with lots of market volatility.  COVID affecting supply chains and the continuing Russian invasion on Ukraine is only a few of the issues causing the ups and down.  During my meetings, I explain my strategy and this article does a good job at summarizing some key ideas.

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TFSA contributions

It's not quite the end of the year but still a good time to see if you have maximized your 2022 contributions.  If you are not sure if you have made your contribution, send us an email at






Toronto Film Festivals

This month there is two film festivals in Toronto.  There is the Toronto Food Film Fest, which is not only showcasing films about food from around the world, they also have workshops and unique tasting menus!  And on the theme of Halloween, there is the Toronto After Dark Film Festival, which features new Horror, Sci-Fi and Action Movies.

Toronto Food Film Fest / Toronto After Dark Film Festival

Art Toronto

This is a huge art event held at the Metro Convention Centre that showcases art from local, national and international galleries.  There is a new section of the fair this year that gives audiences an opportunity to connect with museums and non-profit galleries to learn about their programming and purchase editioned works and books.

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National Bank Financial - Wealth Management (NBFWM) is a division of National Bank Financial Inc. (NBF), as well as a trademark owned by National Bank of Canada (NBC) that is used under license by NBF. NBF is a member of the Investment Industry Regulatory Organization of Canada (IIROC) and the Canadian Investor Protection Fund (CIPF), and is a wholly-owned subsidiary of NBC, a public company listed on the Toronto Stock Exchange (TSX: NA).

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