Gerardo's Advice for Life

January 5th, 2022 by Gerardo Cappelli

Black office chair with a sign posted saying "out of office"

Workers are finally starting to take more vacation days after letting them pile up in 2020

In 2019, approximately 48% of workers said they used all of their vacation days as opposed to only 27% during the pandemic.  Workers are slowly starting to book off more time but because of inflation, many are choosing a "staycation".  Maybe that's a good idea considering what has been happening with the airlines!

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Asset Allocation - January

December's edition was looking forward and January's is looking back.  The CIO office is using 10 charts to look back at the major events of 2022.  2022 was about, the perfect inflationary storm driven by rising energy prices caused by the war in Ukraine, the tightest job market ever, central banks and rate hikes dragging stocks and bonds into a bear market, and calming the overheated real-estate sector.

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Top 10 Most Common New Year's Resolutions (and How to Follow Through on Them)

Even if you don't write out a list of resolutions, I think most people use the new year to assess their priorities and make an effort towards making some changes.  Studies seem to show that those that actually make resolutions are more successful at making changes.  Here are some steps to reach your goals.

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Essential Tax Numbers for 2023

This article was written for Investment Advisors but it is a super handy reference of all the important tax numbers for 2022.  This included the maximum RSP contribution amount and the new increased TFSA limit for 2023

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8 Peaceful trails to go for a winter walk in Toronto

To an outsider, Toronto seems like a busy concrete, construction filled city (it is) but we also have a great park system that allows us to get away from the city and traffic. Last year, I posted a similiar list of the most picturesque trails in Toronto.  But lucky for us, Toronto has so many trails, there was only a few duplications.  

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Winterlicious - Jan. 27th to Feb. 9th

Although Donna is a great cook, we both really enjoy going out to restaurants.  Restaurants choose to participate and offer a 3 course prix fixe lunch and dinner menu.  My dilemma is deciding to go to my favourites or try a new one.

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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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