{"id":2806,"date":"2019-11-24T11:20:10","date_gmt":"2019-11-24T16:20:10","guid":{"rendered":"https:\/\/www.focussf.ca\/?page_id=2806"},"modified":"2026-09-09T18:44:28","modified_gmt":"2026-09-09T22:44:28","slug":"blog-archive","status":"publish","type":"page","link":"https:\/\/focussf.ca\/en\/blog-archive\/","title":{"rendered":"Blog"},"content":{"rendered":"\n<style id=\"focus-blog-complete-css\">\n.focus-blog-complete{padding-top:80px;background:#fff;color:#0f2744}.focus-blog-shell{width:min(1180px,calc(100% - 40px));margin:0 auto}.focus-blog-hero{padding:92px 0;background:linear-gradient(135deg,#0f2744,#234b78);color:#fff}.focus-blog-hero h1{margin:10px 0 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var(--tw-shadow-color,#0000001a)!important;box-shadow:var(--tw-inset-shadow),var(--tw-inset-ring-shadow),var(--tw-ring-offset-shadow),var(--tw-ring-shadow),var(--tw-shadow)!important;}\n.focus-native.focus-native.focus-native .shadow-md{--tw-shadow:0 4px 6px -1px var(--tw-shadow-color,#0000001a),0 2px 4px -2px var(--tw-shadow-color,#0000001a)!important;box-shadow:var(--tw-inset-shadow),var(--tw-inset-ring-shadow),var(--tw-ring-offset-shadow),var(--tw-ring-shadow),var(--tw-shadow)!important;}\n.focus-native.focus-native.focus-native .shadow-sm{--tw-shadow:0 1px 3px 0 var(--tw-shadow-color,#0000001a),0 1px 2px -1px var(--tw-shadow-color,#0000001a)!important;box-shadow:var(--tw-inset-shadow),var(--tw-inset-ring-shadow),var(--tw-ring-offset-shadow),var(--tw-ring-shadow),var(--tw-shadow)!important;}\n.focus-native.focus-native.focus-native .ring-2{--tw-ring-shadow:var(--tw-ring-inset,)0 0 0 calc(2px + 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data-ev-id=\"ev_1fe0ddd26a\"><nav class=\"max-w-7xl mx-auto px-4 sm:px-6 lg:px-8\" data-ev-id=\"ev_a326ae789c\"><div class=\"flex items-center justify-between h-20\" data-ev-id=\"ev_d9a44357ac\"><a class=\"flex items-center\" href=\"\/en\/\"><img decoding=\"async\" alt=\"Focus Services Financiers\" class=\"h-14 w-auto\" data-ev-id=\"ev_2801fca236\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2026\/09\/focus-3bda6fde5163.png\"\/><\/a><div class=\"hidden lg:flex items-center gap-8\" data-ev-id=\"ev_a44b9662d2\"><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"\/en\/\">Home<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-[#1e3a5f] border-b-2 border-[#c9a227] pb-1\" href=\"https:\/\/focussf.ca\/en\/services-2026\/\">Services<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/solutions-2026\/\">Our Solutions<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/team-2026\/\">Our Team<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/blog\/\">Blog<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/useful-links-2026\/\">Useful Links<\/a><a class=\"text-sm font-medium transition-colors duration-200 text-gray-600 hover:text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/contact-2026\/\">Contact<\/a><\/div><div class=\"hidden lg:flex items-center gap-3\" data-ev-id=\"ev_708bdb7111\"><a aria-label=\"Afficher cette page en fran\u00e7ais\" class=\"inline-flex items-center gap-1.5 px-3 py-2 text-sm font-medium text-gray-600 hover:text-[#1e3a5f] transition-colors rounded-lg hover:bg-gray-50\" data-ev-id=\"ev_8e48e6fafe\" href=\"https:\/\/focussf.ca\/services-gestion-de-patrimoine\/\"><svg class=\"lucide lucide-globe w-4 h-4\" fill=\"none\" height=\"24\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" viewbox=\"0 0 24 24\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><path d=\"M12 2a14.5 14.5 0 0 0 0 20 14.5 14.5 0 0 0 0-20\"><\/path><path d=\"M2 12h20\"><\/path><\/svg><span class=\"font-semibold\" data-ev-id=\"ev_edcf697a18\">EN<\/span><span class=\"text-gray-400\" data-ev-id=\"ev_b93777782a\">|<\/span><span class=\"text-gray-400 hover:text-gray-600\" data-ev-id=\"ev_531053822f\">FR<\/span><\/a><a class=\"inline-flex items-center gap-2 px-5 py-2.5 bg-[#1e3a5f] text-white text-sm font-semibold rounded-lg hover:bg-[#142850] transition-all duration-200 shadow-md hover:shadow-lg\" href=\"https:\/\/focussf.ca\/en\/client-area-2026\/\"><svg class=\"lucide lucide-user w-4 h-4\" fill=\"none\" height=\"24\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" viewbox=\"0 0 24 24\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M19 21v-2a4 4 0 0 0-4-4H9a4 4 0 0 0-4 4v2\"><\/path><circle cx=\"12\" cy=\"7\" r=\"4\"><\/circle><\/svg>Client Area<\/a><\/div><button aria-label=\"Menu\" class=\"lg:hidden p-2 text-gray-600 hover:text-[#1e3a5f]\" data-ev-id=\"ev_c82434c692\" data-focus-menu=\"\" type=\"button\"><svg class=\"w-6 h-6\" fill=\"none\" height=\"24\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" viewbox=\"0 0 24 24\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M4 12h16M4 6h16M4 18h16\"><\/path><\/svg><\/button><\/div><div class=\"lg:hidden py-4 border-t border-gray-100\" data-ev-id=\"ev_9005d05c7b\" hidden=\"\"><div class=\"flex flex-col gap-2\" data-ev-id=\"ev_3c9181d0d8\"><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"\/en\/\">Home<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors bg-[#1e3a5f]\/10 text-[#1e3a5f]\" href=\"https:\/\/focussf.ca\/en\/services-2026\/\">Services<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"https:\/\/focussf.ca\/en\/solutions-2026\/\">Our Solutions<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"https:\/\/focussf.ca\/en\/team-2026\/\">Our Team<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"https:\/\/focussf.ca\/en\/blog\/\">Blog<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"https:\/\/focussf.ca\/en\/useful-links-2026\/\">Useful Links<\/a><a class=\"px-4 py-3 text-sm font-medium rounded-lg transition-colors text-gray-600 hover:bg-gray-50\" href=\"https:\/\/focussf.ca\/en\/contact-2026\/\">Contact<\/a><a aria-label=\"Afficher cette page en fran\u00e7ais\" class=\"mx-4 mt-2 inline-flex items-center justify-center gap-2 px-5 py-3 bg-gray-100 text-gray-700 text-sm font-semibold rounded-lg\" data-ev-id=\"ev_7127eac770\" href=\"https:\/\/focussf.ca\/services-gestion-de-patrimoine\/\"><svg class=\"lucide lucide-globe w-4 h-4\" fill=\"none\" height=\"24\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" viewbox=\"0 0 24 24\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><path d=\"M12 2a14.5 14.5 0 0 0 0 20 14.5 14.5 0 0 0 0-20\"><\/path><path d=\"M2 12h20\"><\/path><\/svg>Fran\u00e7ais<\/a><a class=\"mx-4 mt-2 inline-flex items-center justify-center gap-2 px-5 py-3 bg-[#1e3a5f] text-white text-sm font-semibold rounded-lg\" href=\"https:\/\/focussf.ca\/en\/client-area-2026\/\"><svg class=\"lucide lucide-user w-4 h-4\" fill=\"none\" height=\"24\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" viewbox=\"0 0 24 24\" width=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M19 21v-2a4 4 0 0 0-4-4H9a4 4 0 0 0-4 4v2\"><\/path><circle cx=\"12\" cy=\"7\" r=\"4\"><\/circle><\/svg>Client Area<\/a><\/div><\/div><\/nav><\/header>\n<style>\n\/* Keep the native Gutenberg wrappers visually neutral on the public page. *\/\n.focus-home-native .wp-block-image,\n.focus-native .wp-block-image{margin:0!important}\n.focus-home-native .wp-block-group__inner-container,\n.focus-native .wp-block-group__inner-container{display:contents!important}\n.focus-home-native .hero-media .wp-block-image,\n.focus-home-native .approach-photo .wp-block-image{position:absolute!important;inset:0!important;width:100%!important;height:100%!important}\n.focus-home-native .hero-media .wp-block-image>img,\n.focus-home-native .approach-photo 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.focus-stretched-link{display:none!important}\n<\/style>\n\n<main class=\"wp-block-group focus-blog-complete\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><section class=\"wp-block-group focus-blog-hero\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-blog-shell\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-blog-eyebrow wp-block-paragraph\">Sylvain Lapointe\u2019s blog<\/p><h1 class=\"wp-block-heading\">Financial Perspectives<\/h1><p class=\"wp-block-paragraph\">Clear analysis to better understand investment decisions, corporate taxation and wealth management.<\/p><\/div><\/div><\/div><\/section><section class=\"wp-block-group focus-blog-listing\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-blog-shell\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-blog-heading\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-blog-eyebrow wp-block-paragraph\">Insights<\/p><h2 class=\"wp-block-heading\">All analyses<\/h2><\/div><\/div><p class=\"wp-block-paragraph\">Explore articles by topic and quickly find the analyses that match your priorities.<\/p><\/div><\/div><div class=\"wp-block-group focus-blog-filters\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><button class=\"focus-blog-filter is-active\" data-focus-blog-filter=\"all\" type=\"button\">All<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"information\" type=\"button\">Information<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"investment\" type=\"button\">Investment<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"taxation\" type=\"button\">Taxation<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"real-estate\" type=\"button\">Real Estate<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"economy\" type=\"button\">Economy<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"insurance\" type=\"button\">Insurance<\/button><button class=\"focus-blog-filter\" data-focus-blog-filter=\"financial-system\" type=\"button\">Financial System<\/button><\/div><\/div><div class=\"wp-block-group focus-blog-grid\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-card group focus-cat-information focus-cat-investment focus-cat-real-estate\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/12\/first-home-2.jpg\" alt=\"Discover the Tax-Free First Home Savings Account \u2013 TFFHSA\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information \u00b7 Investment<\/p><h2 class=\"wp-block-heading\">Discover the Tax-Free First Home Savings Account \u2013 TFFHSA<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">This new registered plan would help first-time home buyers save $40,000 on a tax-free basis. Contributions are tax deductible (Like a Registered Retirement Savings Plan \u2013\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2022-12-21<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/discover-the-tax-free-first-home-savings-account-tffhsa\/\" aria-label=\"Information \u00b7 Investment Discover the Tax-Free First Home Savings Account \u2013 TFFHSA This new registered plan would help first-time home buyers save $40,000 on a tax-free basis. Contributions are tax deductible (Like a Registered Retirement Savings Plan \u2013\u2026 Sylvain Lapointe 2022-12-21 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/06\/loan-or-gift.webp\" alt=\"Take advantage of the spousal-loan strategy\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information<\/p><h2 class=\"wp-block-heading\">Take advantage of the spousal-loan strategy<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">The spousal-loan strategy involves splitting income between a spouse with a high marginal tax rate and a spouse with a lower income. As a result of our progressive tax\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2022-06-28<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/take-advantage-of-the-spousal-loan-strategy\/\" aria-label=\"Information Take advantage of the spousal-loan strategy The spousal-loan strategy involves splitting income between a spouse with a high marginal tax rate and a spouse with a lower income. As a result of our progressive tax\u2026 Sylvain Lapointe 2022-06-28 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/03\/war-pexels-photo-e1648133020389.jpg\" alt=\"What to do during a stock-market correction\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information<\/p><h2 class=\"wp-block-heading\">What to do during a stock-market correction<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">Investors aren\u2019t lacking for things to worry about at the moment, including Russia, inflation, the rate hike, the market downturn, the real estate market, the labour\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2022-03-24<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/what-to-do-during-a-stock-market-correction\/\" aria-label=\"Information What to do during a stock-market correction Investors aren\u2019t lacking for things to worry about at the moment, including Russia, inflation, the rate hike, the market downturn, the real estate market, the labour\u2026 Sylvain Lapointe 2022-03-24 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2022\/01\/Grossery-store.jpg\" alt=\"Inflation vs. stock market returns\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information<\/p><h2 class=\"wp-block-heading\">Inflation vs. stock market returns<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">Canada\u2019s inflation rate has accelerated to its highest level in a decade. In October 2020, it remained at 4.7% for the year. We can see this with food and gas\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2022-01-13<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/inflation-vs-stock-market-returns\/\" aria-label=\"Information Inflation vs. stock market returns Canada\u2019s inflation rate has accelerated to its highest level in a decade. In October 2020, it remained at 4.7% for the year. We can see this with food and gas\u2026 Sylvain Lapointe 2022-01-13 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information focus-cat-real-estate\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/11\/ralph-ravi-kayden-mR1CIDduGLc-unsplash-1.jpg\" alt=\"Comparing salary increases and property price escalation\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information \u00b7 Real Estate<\/p><h2 class=\"wp-block-heading\">Comparing salary increases and property price escalation<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">Lately, given the sharp rise in property prices, real estate has become a hot topic. It\u2019s difficult to explain the reasons for this upward pressure on prices since one of\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2021-11-05<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/comparing-salary-increases-and-property-price-increases\/\" aria-label=\"Information \u00b7 Real Estate Comparing salary increases and property price escalation Lately, given the sharp rise in property prices, real estate has become a hot topic. It\u2019s difficult to explain the reasons for this upward pressure on prices since one of\u2026 Sylvain Lapointe 2021-11-05 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/07\/depositphotos_131271092-stock-photo-giraffe-silhouette-at-sunset.jpg\" alt=\"Do I have enough?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information<\/p><h2 class=\"wp-block-heading\">Do I have enough?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I\u2019ve been producing this financial letter since October 1998 and, to my astonishment, I\u2019ve never dealt with retirement projection. What does the future have in store for\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2021-07-14<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/do-i-have-enough\/\" aria-label=\"Information Do I have enough? I\u2019ve been producing this financial letter since October 1998 and, to my astonishment, I\u2019ve never dealt with retirement projection. What does the future have in store for\u2026 Sylvain Lapointe 2021-07-14 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-143 focus-cat-148 focus-cat-information focus-cat-taxation\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2021\/03\/FAANG-2.png\" alt=\"Capital gains taxation in Canada\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">143 \u00b7 148<\/p><h2 class=\"wp-block-heading\">Capital gains taxation in Canada<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">To draft this article, I drew inspiration from a research paper prepared in 2018 by Chaire de recherche en fiscalit\u00e9 et en finances publiques (the research chair in\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2021-03-25<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/capital-gains-taxation-in-canada\/\" aria-label=\"143 \u00b7 148 Capital gains taxation in Canada To draft this article, I drew inspiration from a research paper prepared in 2018 by Chaire de recherche en fiscalit\u00e9 et en finances publiques (the research chair in\u2026 Sylvain Lapointe 2021-03-25 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-real-estate\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2020\/10\/7199-Rancho-La-Cima-2.jpg\" alt=\"Home ownership through time\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Real Estate<\/p><h2 class=\"wp-block-heading\">Home ownership through time<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">Do you have the same reaction I do regarding the rising cost of property? Do you wonder how people can afford to buy homes given the steadily increasing market prices\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2020-10-08<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/home-ownership-through-time\/\" aria-label=\"Real Estate Home ownership through time Do you have the same reaction I do regarding the rising cost of property? Do you wonder how people can afford to buy homes given the steadily increasing market prices\u2026 Sylvain Lapointe 2020-10-08 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-financial-system\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2020\/07\/photodune-3540771-hooked-on-credit-xs.jpg\" alt=\"Why Are Credit Card Interest Rates So High?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Financial System<\/p><h2 class=\"wp-block-heading\">Why Are Credit Card Interest Rates So High?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I read an interesting article recently written by Ben Carlson[1] regarding credit card interest rates. It relates to the USA but it can easily be applied for Canada as well.\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2020-07-17<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/why-are-credit-card-interest-rates-so-high\/\" aria-label=\"Financial System Why Are Credit Card Interest Rates So High? I read an interesting article recently written by Ben Carlson[1] regarding credit card interest rates. It relates to the USA but it can easily be applied for Canada as well.\u2026 Sylvain Lapointe 2020-07-17 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-economy focus-cat-investment\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2020\/03\/covid19_2000x1333.jpg\" alt=\"COVID-19 Crisis\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Economy \u00b7 Investment<\/p><h2 class=\"wp-block-heading\">COVID-19 Crisis<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">As was inevitable after an 11-year-long bull market cycle, we officially entered market correction territory on Wednesday, March 11th. The oil war between Saudi Arabia and\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2020-03-27<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/covid-19-crisis\/\" aria-label=\"Economy \u00b7 Investment COVID-19 Crisis As was inevitable after an 11-year-long bull market cycle, we officially entered market correction territory on Wednesday, March 11th. The oil war between Saudi Arabia and\u2026 Sylvain Lapointe 2020-03-27 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information focus-cat-investissements focus-cat-investment\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/12\/Sommets.jpg\" alt=\"Are market all-time highs normal?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information \u00b7 Information<\/p><h2 class=\"wp-block-heading\">Are market all-time highs normal?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I read an interesting article recently in Fortune[1]. It referred to market highs and the fact that investors are worried that what goes up eventually has to come down.\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2019-12-20<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/are-market-all-time-highs-normal\/\" aria-label=\"Information \u00b7 Information Are market all-time highs normal? I read an interesting article recently in Fortune[1]. It referred to market highs and the fact that investors are worried that what goes up eventually has to come down.\u2026 Sylvain Lapointe 2019-12-20 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-investment focus-cat-real-estate\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/06\/skyscrapers-1081737__340.jpg\" alt=\"Is renting throwing away money?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Investment \u00b7 Real Estate<\/p><h2 class=\"wp-block-heading\">Is renting throwing away money?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I came across a good article from Robb Engen[1] comparing the cost of ownership vs. the cost of renting. Most people tackle the rent vs. buy problem incorrectly by framing\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2019-06-27<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/is-renting-throwing-away-money\/\" aria-label=\"Investment \u00b7 Real Estate Is renting throwing away money? I came across a good article from Robb Engen[1] comparing the cost of ownership vs. the cost of renting. Most people tackle the rent vs. buy problem incorrectly by framing\u2026 Sylvain Lapointe 2019-06-27 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-investment\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2019\/03\/photodune-21599528-global-strategy-600px.jpg\" alt=\"Clarifying Book Value\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Investment<\/p><h2 class=\"wp-block-heading\">Clarifying Book Value<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I often receive questions from investors about the usefulness of book values and whether it should be used in the portfolio performance calculation. I came across an\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2019-03-26<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/clarifying-book-value\/\" aria-label=\"Investment Clarifying Book Value I often receive questions from investors about the usefulness of book values and whether it should be used in the portfolio performance calculation. I came across an\u2026 Sylvain Lapointe 2019-03-26 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-investment\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2018\/12\/photodune-21269701-planning-risk-and-strategy-deadline-time-in-business-600x400.jpg\" alt=\"Why must the market fall?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Investment<\/p><h2 class=\"wp-block-heading\">Why must the market fall?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I reread an interesting article written in August 2015 by Joshua M. Brown, which is really fascinating and applies perfectly to this past year, 2018. His logic is that\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2018-12-21<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/why-must-the-market-fall\/\" aria-label=\"Investment Why must the market fall? I reread an interesting article written in August 2015 by Joshua M. Brown, which is really fascinating and applies perfectly to this past year, 2018. His logic is that\u2026 Sylvain Lapointe 2018-12-21 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-financial-system focus-cat-investment\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2018\/10\/photodune-21477418-magic-of-winter-sm.jpg\" alt=\"A speculative bubble\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Financial System \u00b7 Investment<\/p><h2 class=\"wp-block-heading\">A speculative bubble<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">As I begin my 21st year in stock market investing, I can tell you that I\u2019ve seen my fair share of bubbles, starting with tech shares at the end of\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2018-10-17<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/a-speculative-bubble\/\" aria-label=\"Financial System \u00b7 Investment A speculative bubble As I begin my 21st year in stock market investing, I can tell you that I\u2019ve seen my fair share of bubbles, starting with tech shares at the end of\u2026 Sylvain Lapointe 2018-10-17 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2018\/06\/iStock_000018757759-1000px-boat.jpg\" alt=\"How much proximity would you like to have when you retire?\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Information<\/p><h2 class=\"wp-block-heading\">How much proximity would you like to have when you retire?<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">I read an interesting article written by Rob Carrick from the Globe and Mail. The story makes us realize that the majority of our waking hours while employed are spent\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2018-06-22<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/proximity-retire\/\" aria-label=\"Information How much proximity would you like to have when you retire? I read an interesting article written by Rob Carrick from the Globe and Mail. The story makes us realize that the majority of our waking hours while employed are spent\u2026 Sylvain Lapointe 2018-06-22 Read article \u2192\"><\/a><\/p><\/div><\/div><div class=\"wp-block-group focus-post-card group focus-cat-financial-system focus-cat-information\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><article class=\"wp-block-group focus-post-card-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-post-media\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/focussf.ca\/wp-content\/uploads\/2018\/03\/Money-tree.jpg\" alt=\"Passive investment income\" \/><\/figure><\/div><\/div><div class=\"wp-block-group focus-post-body\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-post-category wp-block-paragraph\">Financial System \u00b7 Information<\/p><h2 class=\"wp-block-heading\">Passive investment income<\/h2><p class=\"focus-post-excerpt wp-block-paragraph\">We know to what extent small and medium enterprises (SMEs) in Canada contribute to economic growth and job creation. To encourage people to start their own businesses and\u2026<\/p><div class=\"wp-block-group focus-post-meta\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p class=\"focus-inline-span wp-block-paragraph\">Sylvain Lapointe<\/p><p class=\"wp-block-paragraph\">2018-04-19<\/p><\/div><\/div><p class=\"focus-post-read focus-inline-span wp-block-paragraph\">Read article <b>\u2192<\/b><\/p><\/div><\/div><\/div><\/article><p class=\"focus-stretched-link wp-block-paragraph\"><a href=\"https:\/\/focussf.ca\/en\/passive-investment-income\/\" aria-label=\"Financial System \u00b7 Information Passive investment income We know to what extent small and medium enterprises (SMEs) in Canada contribute to economic growth and job creation. To encourage people to start their own businesses and\u2026 Sylvain Lapointe 2018-04-19 Read article \u2192\"><\/a><\/p><\/div><\/div><\/div><\/div><div class=\"wp-block-group focus-blog-pagination\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><button data-focus-blog-prev=\"\" type=\"button\">\u2190 Previous<\/button><p class=\"focus-inline-span wp-block-paragraph\">Page 1<\/p><button data-focus-blog-next=\"\" type=\"button\">Next \u2192<\/button><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"wp-block-group focus-blog-subscribe\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group focus-blog-shell focus-blog-subscribe-inner\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\"><p 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