Forward Thinking

Stories, articles and other information about personal finance topics, insights and perspectives from Tangerine, our culture and community work.

Helen Burnett-Nichols

Helen Burnett-Nichols is a freelance writer based in Hamilton, Ont. She specializes in news and feature articles on a variety of business, legal and investment topics. Follow her on Twitter @helenbnichols.

My circumstances have changed—is it time for a new investment strategy?

Monday, December 19th, 2016  |  Helen Burnett-Nichols  |  Investing Articles

Your investment strategy is in place and seems to be ticking along just fine—but then your life takes a sharp turn. Is there a chance your portfolio may no longer be aligned with your new reality? For many, a significant change in circumstances—perhaps you've lost your job, or bought a house—may temporarily throw finances into turmoil. [...]

Who's the CFO in your relationship?

Wednesday, July 27th, 2016  |  Helen Burnett-Nichols  |  Insights & Perspectives  |  Savings Articles

Do you count organizing your monthly budget and paying your household bills among your hobbies? Or perhaps you're beyond excited at the thought of putting money aside every month for that next big purchase? If you answered "yes" to these questions, then you'd probably do a good job in the role of household Chief Financial Officer [...]

How to (hopefully) resolve a financial family fight

Friday, July 15th, 2016  |  Helen Burnett-Nichols  |  Insights & Perspectives

It may start with a simple tiff over your spouse's spending habits, or a disagreement over helping a relative with a few bills. But left unchecked, these small disputes over money can quickly escalate into a more serious blame game. (One academic survey even points to fighting about money as a main predictor of divorce.) While [...]

Fraud Awareness Month — Phishing scams

Monday, March 7th, 2016  |  Helen Burnett-Nichols  |  Insights & Perspectives

It arrives in your inbox one day: An official-looking email from your bank, a favourite retailer or maybe even the taxman, with an urgent request for you to click on a link to verify personal details or face the consequences. Although these requests appear serious and you may be tempted to take action, odds are they [...]

Decisions, decisions: Used car, new car or lease?

Friday, January 22nd, 2016  |  Helen Burnett-Nichols  |  Spending Articles

So you're ready to buy a new (to you) car. A list of important decisions awaits — new or used? Make and model? Colour? CD player or MP3 compatibility? Manual or automatic? Depending on how you intend to use the car, taking the time to break down the real price of a brand new or previously enjoyed [...]

Is it still worth it to shop south of the border?

Friday, November 20th, 2015  |  Helen Burnett-Nichols  |  Spending Articles

Right now, a number of American shoppers are busy getting email alerts and coupons from their favourite retailers, ready to cash in on the annual Black Friday and Cyber Monday deals.

But while many Canadians have traditionally lined up at the U.S. border to take advantage of the savings themselves, the lacklustre exchange rate may lead some to stay home and offline.

Money superstitions

Thursday, November 12th, 2015  |  Helen Burnett-Nichols  |  Spending Articles

On Friday the 13th, do you expect misfortune to land on your doorstep? Hundreds of superstitions — opening an umbrella indoors or a black cat crossing your path — still seem to infiltrate our everyday lives, promising to bring a dose of bad luck.

Managing payday as a couple

Tuesday, October 13th, 2015  |  Helen Burnett-Nichols  |  Spending Articles

When you're single, getting paid and allocating your money wherever it needs to go is relatively simple, right? But for couples who share expenses, debts, and savings goals, figuring out who should be paying for what can easily get messy and complicated. If you're sharing your life and finances with someone, it may be time to [...]

I have a small business. Do I need a savings account?

Wednesday, April 8th, 2015  |  Helen Burnett-Nichols  |  Savings Articles

Your small business is in the startup phase, and you're busy with sales, marketing and mapping out where to go next. Because you're not making a huge profit, opening a small-business savings account hasn't made it onto your "to-do" list. But a savings account can mean more to a small business than just a place to [...]

Is your savings plan in need of a reboot?

Wednesday, December 17th, 2014  |  Helen Burnett-Nichols  |  Savings Articles

You’ve been a diligent saver for years, stuck to your plan and finally paid for that major goal — perhaps a new car or a down payment on your first home. Or maybe you’ve had a change in circumstance — a promotion at work or a large tax refund that means you have extra money you [...]