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When the city was hit on November 12 with its first significant snowfall of the season, drivers who were prescient enough to have already made the switch from summer to winter tires felt pretty smug. I know because this year I was one of them — and it felt good.

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According to Statistics Canada, the average Canadian currently carries $30,000 in debt outside of a home mortgage. And a recent survey, conducted by MNP, an accounting firm, showed that 46 per cent regularly find themselves $200 or less away from financial insolvency at end of every month. F…

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Buy low and sell high. When it comes to stocks and real estate, how hard can that be? Well, ask anyone who’s tried — and failed. “Everybody thinks it’s an easy game. You walk in, you make money and you’re out. But you have to work hard. And that’s what we do,” said real estate broker Marc Ez…