Personal Finance in Canada Show (PFC Show) with Azizz Finance

Our 5th ONExONE session with Cody Yeh, a Real Estate Investor and Options Trader with a background in Engineering. 

Cody walks us through his journey of getting consistent with his Options Trading which includes a range of topics from Backtesting, Probabilities, Risk and More!

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For More from the Azizz Finance Platform

Brokers and Brokerages - one of the most common terms coming from all the financial jargon being thrown at you - but don't worry!

This episode will break down exactly what a brokerage is and why picking one best suited to your needs is one of the most important factors that attribute to your success as an investor or trader!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Want to Invest in stocks but don't know where to start?

This episode will highlight the different factors you need to consider before putting your money to work. There will also be a few critical questions that you must ask yourself before you start your investing journey.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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There are SO many Types of Investing Strategies out there - Which one should you start with?

I feel that everyone adapts their own strategy which ends up being a combination of different investing strategies or even just one of them, keeping it simple. This episode will touch up on the different types of investing strategies and hopefully guide you with direction with which strategy to start with.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Soft Credit Checks and Hard Checks.

You've heard of these being thrown around ALL the time, but do you understand what differentiates these 2 types of Credit Checks? This episode will touch up on the differences between Hard Credit Checks and Soft Checks, when they occur and their impact on your Credit Score.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Which account should I Invest in? The most commonly asked question for beginner investors in Canada or the States.

TFSA, RRSP, HISA?! More like TMA = Too Many Acronyms. This episode will discuss which type of account you should invest in which is ultimately all situation-based. Hopefully this episode will act a supplement for you to make your final decision to where you should place your money.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The New Credit Factor of the FICO Score

The FICO Score Consists of 5 Different Factors that make up the Total 3 Digits of your Credit Score. Regardless of how much New Credit impacts your score, it's still extremely important for you to be aware of this fourth factor.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. 

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Should you Invest, Pay off Debt or Save?

It's a common question that you probably come across whenever you get a paycheck or when you're trying to plan your financial future

Luckily, this episode will give you a more clear direction on whether you should Invest, Save or Pay off your Debts!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Mutual Funds, ETFs and Index Funds. Could you explain to someone within one sentence what these 3 are?

In today's episode, we'll break down what Mutual Funds are and make comparisons with other popular investment instruments such as ETF's and Index Funds. 

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Making Passive Income with Credit Cards! You heard that right! 

We dive into how one can use cashback to generate passive income, if you play your CARDS RIGHT (get it?)

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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A game only for the big boys to play - Using Leverage/Margin to Invest

Margin is when you essentially take out a loan from your brokerage to invest. As you gain experience in the markets, more people will refer to this as leverage.

In today's episode, we'll be talking about the concept of borrowing money to invest and in what situations you should take this route along with some risks that you need to keep in mind

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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We've talked about ALL the different types of Credit you can have in your Credit File - but HOW EASY are they to get approved for?

Or really, How HARD are they to get approved for? This episode covers exactly that - so get ready to turn your Credit Score in the RIGHT DIRECTION!!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The top (or realistically only) 2 Brokers that Canadians can pick from: Questrade and Wealthsimple Trade.

What are their pro's and con's, what's their commission structure look like? These are all things that we will discuss in today's episode.  

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Explain to me what a Minimum Payment is, what benefits it brings and some of its downsides.

I'm just kidding, that's what I'll be covering in today's episode - all you need to know about the minimum payments that come along with any Credit Card out there. They all differ from company to company but the general concept is the same.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Dividend Investing to Make that PASSIVE INCOME! 

If you don't play your cards right, you could be paying A BUNCH of hidden fees that you want to avoid at all costs!

This episode will give you a better idea of which platform is best for you to conduct your Dividend Investing in which will either be Questrade, Wealthsimple Trade (WST) or Interactive Brokers Canada (IB or IBKR)

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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There's more to a 2.50% Interest Rate than you think!

This Episode goes through how Interest is calculated which is the usually the same for Loans AND Investments! Did you know that interest is usually calculated on a DAILY Basis rather than a Monthly or Yearly Basis? 

Get ready as we dive into how you can either take advantage of these interest rates or else you'll sink!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Dividend Investing is one of the long-term strategies that some investors decide to undertake.

In today's episode, this will more less be a continuation from our discussion about dividend investing. Breaking this down to the different factors you should look for when you're investing in dividend paying stocks.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Building your Credit Score is one thing, but knowing how to optimize your Credit DIVERSITY is a huge part to potentially boost your Credit Score.

We'll be talking about all the different types of Credit that are available for you to get out there to build your credit.

Think about it - you wouldn't want to lend money to someone who's only been borrowing the same $100 from one person, right?!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Dividend Investing is one of the long-term strategies that some investors decide to undertake.

In today's episode, I'll be doing an overview of what dividend investing is and breaking it down further to introduce you to the world of dividend investing so that it's on your radar before you decide on a long-term investing style.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Are you in Canada and ready for a way to rebound your credit score ?

The newer you are to the Credit game, the faster you'll be able to rebound your overall Credit Score but the entire concept is the exact same. Let me know how it goes!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Not only are there different Investing Strategies out there, there are also many types of long-term investing strategies as well!

I feel that everyone adapts their own strategy which ends up being a combination of different investing strategies or even just one of them, keeping it simple. This episode will touch up on the different types of long-term investing styles and hopefully guide you with direction with which strategy to start with.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Are you ready for a way to potentially increase your credit score in Canada?

The newer you are to the Credit game, the faster you'll be able to rebound your overall Credit Score but the entire concept is the exact same. Let me know how it goes!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Scotia's iTrade, BMO's Investorline, TD's Waterhouse - WHAT ARE YOU SUPPOSED TO CHOOSE?!!

In today's episode, I'll be breaking down some of the pro's and con's of using a bank platform to invest. Generally speaking, they are almost the same with small differences, so we'll be generalizing most of the time and using specific examples as well.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Final VantageScore Factor that we'll be discussing is 'Available Credit'

The just of the Available Credit is pretty straight forward but is still an important factor to consider when trying to build or fix your credit score!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Interactive Brokers is not a broker that is given the attention that it deserves, likely because of its complexity and its target market of advanced investors.

In this episode, I'll break down using Interactive Brokers Canada through a IBKR Review and my honest thoughts after using them for about 1 year. I do not use them anymore simply because there were a few advantages of using another broker, specifically for the registered accounts (TFSA & RRSP).

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Did you know that EACH Credit Application that you make could be the difference between a 5 point difference or FIFTY POINT Difference?

This is why understanding a Factor such as the Recent Credit Applications could make a big difference in your current Credit Score right now!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Questrade advertisements, the billboards, I know you've seen them all. But how about some feedback from 4 years of experience?

In this episode, I'll break down using Questrade through a Questrade Review and my honest thoughts after using them for 4 years.

One thing to note about Questrade that I didn't include in this episode is that they are not willing to make exceptions for requests. I guess you can say that they abide by the book. Reason I say this is that I have attempted multiple times to see if I could reduce my commission amount due to the volume of trades I place with them along with loyalty. Another attempt was made to grant an options level even though I was a couple of hundred dollars away from the target - but still, no spark.

Americans and their brokers have a great relationship where exceptions will be made for select customers and I thought I'd give it a shot - and that above was the result. So please keep this in mind if you're a bargainer hahahaha

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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VantageScore Factor #4 being your Balances! 

Another important distinction to be made here in comparison with the Credit Score factors that are seen in the VantageScore AND FICO Score so be sure you're listening closely!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Wealthsimple Trade advertisements, I know you've seen them. But how about some feedback from 5 years of experience?

In this episode, I'll break down WST through a Wealthsimple Trade Review and my honest thoughts after using them for 5 years.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The Credit Utilization Factor of the Vantage Score

The VantageScore Consists of 6 Different Factors that make up the Total 3 Digits of your Credit Score. Regardless of how much Credit Utilization impacts your score, it's still extremely important for you to be aware of this third factor.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Canadians, Which Brokerage should you invest with?

Luckily (or maybe not so lucky), there aren't many brokers that we can pick from, but there is still a variety. 

In today's episode, I'll tell you all the brokers that we can pick from in Canada and the things that make them stand out from each other. It's a crucial factor to consider when beginning your investing/trading journey. Paying $10 per trade VS $5 or even $1 per trade can add up over time and it should be our priority to minimize the commissions we pay to our brokerages.

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz.

If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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VantageScore Factor #2 being Credit Age & Type! Again, similar to the Credit Diversification that makes up the FICO Score with a few significant differences so you guessed it... Make notes on these differences and watch your Credit Score Skyrocket!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Breaking down the Payment History Factor of the VantageScore

Very similar to the Payment History of the FICO score with subtle differences - NOTE these differences down and keep this in mind for your overall Credit Score!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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The VantageScore is DIFFERENT than the FICO Score. Both make up your Overall Credit Score which is why it's so important to know about the Vantage Score as well!

The VantageScore is just another type of credit score that is factored in by only some Canadian businesses. There's no confirmation that this type of Credit Score is used BUT you want to put yourself in a safe situation in case it is!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Credit Diversity / Credit Diversification will be the FINAL FICO Score factor that we will be discussing. Credit Diversification also makes up a generous portion of our Credit Score and it can also affect the other factors of your FICO Score as well - so listen up and get ready to improve your Credit Score BIG Time!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Back in School? Just about to get into University or College? The Lifelong Learning Plan aka the LLP is something that you should consider!

The LLP is a benefit that you can use with your RRSP if you've parked up enough cash to pay off some of your tuition costs. If you're not a fan of taking out loans OR you want to reduce your loan amount, this is a great opportunity for you to pay your tuition off with EASE!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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Here in Canada, the Home Buyer's Plan (HBP) is one of the BEST Ways that you can start your Journey of Investing in Real Estate and you can access this using your Registered Retirement Savings Plan, also known as your RRSP.

There are a lot of things covered within this episode so prepare your notes and be ready to take advantage of the HBP!

Thank you for listening to the Personal Finance in Canada show with me, Tamer Azizz. If you have any questions, feel free to reach out - I am more than happy to help! .... OH WAIT, I ALMOST FORGOT! Make sure you're following or subscribed to make sure you don't fall behind with our Episodes!

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