Financial planning for singletons

Q – I am single and in my early 30s. I hope to one day settle down and get married, but as luck would have it, I have yet to meet my prince charming. Do you have any advice on how a single person can secure retirement and still be able to pay their mortgage? Ingrid. S, Waterloo, Ontario

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Start planning now for 2012 tax savings!

Q – I’ve completed my tax return, and I actually had taxes owing. It was a shock, and I had to scrape up the money from funds that I had earmarked for other purposes. I don’t want to go through that again. What can I do now to reduce my tax burden for this year? – Rajeev S., North York, Ontario

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Missing tax deadline definitely bad luck

Q – What happens if I miss the tax-filing deadline? – Susan H., Uxbridge, Ontario

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Family tax savings

Q – I’m in the process of filing my 2011 tax return. Are there any tax breaks to help offset the cost of raising a family and going to work? – Ray S., Scarborough, Ontario

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Basic training for the do-it-yourself investor

Q – I have had my mutual fund portfolio managed by an advisor for the past 10 years. His performance is disappointing, and by the time I pay fees, I am only ahead marginally. Recently, my portfolio has been in negative territory. I would like to try and manage my portfolio on my own. How do you recommend I get started? – Bill B., Halifax, Nova Scotia

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When RRSPs mature

Q – In March, I will turn 71. What happens to my RRSP? Do I need to withdraw the entire amount? – George B., Paris, Ontario

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