Ram Balakrishnan & Glenn Cooke 
Beginner’s Guide to Saving & Investing for Canadians 
Written By Canada’s Foremost Finance Bloggers And Online Experts

This book is unique. For the first time, it brings together the collective experience of Canada’s foremost personal finance bloggers and online publishers, each of whom writes about his or her particular area of expertise. Step 1: How to Save. First, Krystal Yee shows you how to create a budget. The budget process isn’t about lmitations, it’s about measuring and controlling your income and expenses. In this step we learn to manage our money and find where we’re going to get the money to save. Step 2: Where to Save. Jim Yih clears up the confusion on our various options. In clear, understandable languages he leads us through RRSP’s, RESP’s, mutual funds, and the rest of the bewildering array of investment choices we have. Step 3: What to Save:Ram Balakrishnan introduces us to passive investing, the investing style recommended by academics and consumer advocates but ignored by the investment industry. Long term investment strategy and lowered commissions has shown to lead to some of the best long term investment returns available to the average consumer. Frugal Trader (Million Dollar Journey) introduces us to dividend investing. This investment approach receives favourable tax treatment for Canadians and is intended to produce an ongoing income stream. Step 4: Protect What You Save:Glenn Cooke removes the sales hype and emotions behind insurance purchases and shows us how to evaluate life insurance, disability insurance and critical illness insurance using basic insurance principles.