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What is a First-Home Savings Account? (FHSA)
Read more: What is a First-Home Savings Account? (FHSA)An FHSA is a registered account in Canada that you can use to save money for a home (most likely a down-payment unless you invest the money for a long time or luck out with your investments). Like registered retirement savings plans (RRSPs) and tax-free savings accounts (TFSAs), you can use this account to invest…
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Understanding Vitamin D: Importance and Health Risks
Read more: Understanding Vitamin D: Importance and Health RisksWhat exactly is Vitamin D? And why are low levels of it really bad for you? Vitamin D, unlike the other vitamins and minerals, is actually a steroid hormone since its structure and behaviour is more akin to that branch of molecules than it is to vitamins. (Vitamin D, steroid hormones, and autoimmunity – PubMed).…
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Mutual funds
Read more: Mutual fundsWhat are mutual funds? I’m sure everybody has heard this term before event though from what I can see it’s becoming less and less of an investment vehicle that people use. These are notoriously the things that big banks push (their own). I’m not sure if that’s still the case but I do remember my…
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Bedtime routine
Read more: Bedtime routineBecause sleep is a hot topic these days, let’s continue with that. We’ve talked about the importance of cool temperatures (and it is very important). But I feel like a lot of people don’t really understand the importance of a good bedtime routine. In that sense I mean what do you do roughly an hour…
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Cool temperatures
Read more: Cool temperaturesNow that it’s summer in Canada, it’s time to revisit one of the best ways to ensure a good night’s sleep. Temperature! Studies indicate that having an ambient temperature of 18-19 degrees Celsius or 65-68 degrees Fahrenheit is ideal for sleeping. The thing that I’ve noticed, especially during the summer months, is that people generally…
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Sleep
Read more: SleepI think sleep is something that most adults struggle with in their lives. There are some of those that are lucky enough to never have an issue falling asleep when they close their eyes, sleep for 8 hours, and then wake up feeling energized and refreshed. I think they are in the minority. Everyone else…
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All-inclusives 20s vs 30s
Read more: All-inclusives 20s vs 30sHaving just gotten back from an all-inclusive (I think that brings my grand total to 4?) I reflected on what it’s like going to one in your 30s now vs when I first went to one when I was in my 20s and what’s different. 20s I remember my first all-inclusive. I was about 24…
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RRSPs
Read more: RRSPsRegistered Retirement Savings Plans! I missed the deadline to talk about these (it was March 3 in 2025) but that’s OK, we can talk about it now to prepare for this year. It’s a bit of a complicated topic but I’m hoping to just highlight a few key details. What is an RRSP? A registered…
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Resort tipping
Read more: Resort tippingIs it normal to tip at an all-inclusive resort? This is a question that I was thinking about while there. My friend had accepted the practice of always tipping for everything because of the potential in better service. But what does that better service entail? Stronger drinks? I mean those are included. I think tipping…
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Riu Caribe
Read more: Riu CaribeIt’s been a while since I’ve been to an all-inclusive resort! And it’s been a long time since I’ve been to Cancun, Mexico (2016!). I arrived yesterday and so far it’s been a great break from the -20C of Canadian winter. The weather is a beautiful and (usually) sunny 25C. The Caribe has so far…
I’m Ryan!
Welcome to Growth Gazette where I hope to share the knowledge that I’ve gained through books, videos, podcasts, my background in science, and intensive research to help you (hopefully)! Just like how people have helped me.
The knowledge I share is just based on my own experiences or research and isn’t medical or financial advice.
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