Charlene Royston

Charlene Royston has written extensively for the private, public, and non-profit sectors for over ten years. Her experience working with a trust company led to a special interest in personal finance, including mortgages, investments, and retirement options. By simplifying the complex, she hopes to empower others to make more informed decisions.
Universal Life Insurance in Canada

Universal Life Insurance in Canada

Universal life insurance is an insurance form with unique benefits. Discover whether it's right for you and how it differs from whole life insurance.

A Guide to Term Life Insurance in Canada

A Guide to Term Life Insurance in Canada

Term life insurance is a common insurance product, but is it right for you? Discover how it works and what to consider in the long-term.

No Medical Life Insurance Benefits & Drawbacks

No Medical Life Insurance Benefits & Drawbacks

No medical life insurance offers unique benefits and drawbacks. Discover what they are and whether this insurance option is right for you.

Cheapest Ways to Move Across Canada

Cheapest Ways to Move Across Canada

Moving across Canada can be a costly affair. Discover how you can do it cheaply and when you might want to sell items instead.

Do I Need Bicycle Insurance in Canada?

Do I Need Bicycle Insurance in Canada?

Bicycle insurance - do you need it? Or are you protected by your homeowner's policy? Discover when it's a good idea and when you can skip it.

Understanding Biweekly Payments and Payment Frequencies

Understanding Biweekly Payments and Payment Frequencies

What impact do bi-weekly payments have on your mortgage or loan? Compare pros and cons of payment frequency options as well as other considerations.

Can I Register A LLC In Canada?

Can I Register A LLC In Canada?

Do Limited Liability Corporations exist in Canada? Does it make sense to use one in the U.S, or are there negative implications? Find out now.

Choosing The Right Rental Car Insurance

Choosing The Right Rental Car Insurance

Is rental car insurance worthwhile? Do you really need it? Discover the ins and outs and how you could save money.

Investment Loans in Canada: Borrowing to Invest

Investment Loans in Canada: Borrowing to Invest

An investment loan is a financial product that may help you increase your portfolio. Discover the risks, benefits, and whether one's right for you.

A Guide to Fire Insurance in Canada

A Guide to Fire Insurance in Canada

Fire insurance can protect you from the costs associated with damage. Discover the factors that affect it and what policies you can buy.

What is Net Pay & Gross Pay [With Examples]

What is Net Pay & Gross Pay [With Examples]

Net pay and gross pay can be confusing terms. Discover the difference and how each can affect the employee and the employer.

A Guide to Credit Card Balance Protection Insurance

A Guide to Credit Card Balance Protection Insurance

Balance protection insurance may offer certain benefits. Discover out how it works, what it can cost, and whether it is worthwhile for you.

What is No Fault Insurance & How Does it Work?

What is No Fault Insurance & How Does it Work?

Does no-fault insurance mean you are never held responsible for an accident? Discover the answer to this question so you know what to expect.

Closing Costs Explained: A Guide for Buyers and Sellers

Closing Costs Explained: A Guide for Buyers and Sellers

Closing costs add a considerable financial burden when you buy or sell a property. Discover which you must pay and which are optional or negotiable.

Third Party Liability Insurance Explained

Third Party Liability Insurance Explained

Third-party liability coverage is an important part of your auto insurance policy. Discover what it is, why it matters, and recommended coverage.

A Guide to Dental Insurance for Canadians

A Guide to Dental Insurance for Canadians

Dental insurance can help you cover the costs of oral care in Canada. Discover what's involved and whether it is the right choice for you.

10 Realistic Ways to Make Money Online

10 Realistic Ways to Make Money Online

Discover 10 realistic ways you can earn money online if you have a decent computer, tablet, or phone and a reliable internet connection.

Semimonthly vs Biweekly Pay Periods

Semimonthly vs Biweekly Pay Periods

Semi-monthly and bi-weekly are both terms used to describe when you get paid. Discover what these terms mean and their advantages and disadvantages.

Tenant Insurance & Renters Insurance for Canadians Explained

Tenant Insurance & Renters Insurance for Canadians Explained

Tenant, or renter's insurance, can seem complicated or unnecessary. Discover whether it's worth it and what to look for in a good policy.

Amortization Periods Explained

Amortization Periods Explained

A mortgage amortization period affects many elements within your loan. Explore what you should consider before you decide on which is best for you.

Whole Life Insurance for Canadians Explained

Whole Life Insurance for Canadians Explained

Whole life insurance is a unique product with distinct advantages and disadvantages. Discover what it's about and whether it's right for you.

Estate Planning for Canadians

Estate Planning for Canadians

Estate planning may seem confusing, but it needn't be that way. Discover what's involved and why it is so important, even if you're single.

Joint Tenants vs Tenants in Common: Which is Better?

Joint Tenants vs Tenants in Common: Which is Better?

Co-owning property is a big commitment. Discover the difference between joint tenants and tenants-in-common and how each could affect you.

A Guide to Condo Insurance in Canada

A Guide to Condo Insurance in Canada

Condo insurance can be confusing. Check out our guide that can help you understand what to look for when buying a policy.

A Guide To Registering a Business in Ontario

A Guide To Registering a Business in Ontario

Discover how to register your business in Ontario. It doesn't have to be a confusing, complicated process when you follow our helpful guide.

What is Title Insurance? Do I Need It?

What is Title Insurance? Do I Need It?

Title insurance isn’t the same as homeowner or business insurance, so what is it and why do you need it?

Comprehensive Car Insurance: Here’s What’s Covered

Comprehensive Car Insurance: Here’s What’s Covered

Comprehensive car insurance may seem an unnecessary expense, but do you understand what it covers? Discover what it offers and whether you need it.

11 Ways to Save Money on Groceries

11 Ways to Save Money on Groceries

Grocery prices have spiked in recent months in Canada. Discover 11 ways you can easily reduce how much you spend this year.

How Much of Your Income Should You Save?

How Much of Your Income Should You Save?

Saving for your goals is important, but how do you know the appropriate amount? Discover what you should consider and how you can save more.

Replacement Cost Insurance Explained

Replacement Cost Insurance Explained

Replacement cost insurance is a term you may not understand. Discover what it is and whether it's worthwhile for you.

What is an Insurance Broker?

What is an Insurance Broker?

Insurance brokers aren't the same as insurance agents. What makes them different and is a broker the right choice for you? Find out now.

What is a Good Credit Score in Canada?

What is a Good Credit Score in Canada?

Wondering whether your credit score is up to snuff? Do you know how it's calculated? Find out what you can do to improve it and what you should avoid.

How To Save Money Fast: 10 Tips for Canadians

How To Save Money Fast: 10 Tips for Canadians

Saving money fast isn't impossible. Follow these 10 simple tips that can help you increase your bank account faster than you might think.

A Guide to General Liability Insurance for Small Businesses

A Guide to General Liability Insurance for Small Businesses

Does small business really need general liability insurance? Can your company justify the expense? Discover what's at stake, its benefits, and cost.