Don't let the “business” side of your business get away from you. Improve your financial management skills and make sure that your business beats the odds with this informative seminar.

Negative newspaper headlines after large, single-day drops can give the impression that investors are in for a wild ride. In the short term, that may be true. But what about the long term?

Thanks to good weather, high prices, and lots of hard work, you've earned a little extra over the last year. But what should you do with it? It's a good problem to have, and an important question to ask.

Old Age Security (OAS) is the one source of retirement income that almost all Canadians can count on. Although there are some changes coming to OAS age eligibility, the requirements will remain quite simple.

If your bank account is a little fuller than usual and you want to use that money wisely, a short-term investment account may be the quick (and smart) solution.

Historically low interest rates are encouraging many Canadians to lock in with a fixed-rate mortgage. But two big questions remain: when will interest rates go up, and how much will they go up by?

It's easy to get caught up in interest rates and move-in dates, but if you want to make a smart home-buying decision, you've got to know some important mortgage details.

A beautiful house can become a credit-crushing investment if you don't find the right balance between your practical left brain and emotional right brain before you sign your mortgage papers.

With the promise of free flights, gift cards, and other useful goodies, credit card points can get a right-brainer pretty excited. But a little analysis from the left brain can help you figure out if points or cash back provides the biggest benefit.

If you've got a work pension plan and a retirement date circled on the calendar, an important decision may be looming: leave the value of the pension in the plan, or remove the value of your pension and invest the proceeds on your own?

In general, there are three ways you can pay down your mortgage faster: reducing your amortization, increasing your payment frequency, and taking advantage of pre-payment privileges.

You’ve built your retirement nest egg—now how do you get the most out of it? Income splitting can help retired couples keep more after-tax dollars in their pocket.

One of the biggest challenges you may face as a new business owner is getting the equipment you need—and figuring out how to finance it. The way you finance your equipment can have a huge impact on your company finances, so make sure you understand your options before making a decision.​

Covering canola, greenhouse, cattle, and malt barley, four agribusiness executives talk to ATB about their views on the challenges and opportunities of 2012.

It would be so easy to buy the house of your dreams if you didn't need cash down. Whether you're saving for your first mortgage at 5 per cent down, or an unisured mortgage at 20 per cent down, that's a whole lot of money for most of us to come up with. ​

With the increase in social media networks, information sharing, and digital data storage, fraud is on the rise. So what can you do to protect yourself? Here are seven tips for keeping your money and identity safe.

A purebred cattle producer and seed grower examine the changes and challenges in the marketplace for the calendar year. Overall, the sentiment is optimistic.

Let’s face it—we all know what it’s like to go a little overboard on our credit cards. For many of us, paying down debt can feel like running a never-ending marathon. If you’re struggling to keep up, here are five great ways to trim that debt fat.

RRSPs and TFSAs are similar because they both provide incentives for Canadians to save and invest, but their differences will likely lead you to one or the other.

In an effort to help you stay on track with your 2012 saving and budgeting goals, we polled Albertans for creative—and cheap!—date ideas that celebrate your love and our lovely province.

Buying a home is an exciting time. For most of us, we buy based on our emotions, how well it meets our needs, and whether or not we can squeeze it into our budget. But if you’re going to squeeze it in, here are some things to keep in mind to prevent your budget from bursting at the seams.

At one time or another, we have all said “It’s on my bucket list.” But have you ever sat down and wrote out your list? Does it include travel, volunteering, new hobbies … or all three? Bucket lists can be filled with big ideas or small accomplishments, and some goals require more planning and money than others.

So you’ve managed to save a little money, and now you have to make a big decision: should you use this money to pay down debt or invest? It’s a choice many people struggle with, especially during RRSP season when Canadian savings habits—or lack thereof—dominate the news.

As a new business owner, financing options are sometimes confusing. It’s tempting to use your business line of credit in the same way that you would for your personal finances—for almost everything. But that can sometimes create serious cash-flow problems for your business. Both borrowing options have advantages and disadvantages.

Money flows into your business, money flows out of your business. As long as more money comes in than goes out, what’s the big deal? Well, the way you manage that flow of money has a significant impact on the health of your company. Timing is critical.

While starting early is great advice for those in their 20s or 30s, if you’re pushing 50 and haven’t started saving, you probably feel frustrated and nervous about your financial future. The fact is it’s never too late to start.

It’s RRSP season, which means many Albertans are thinking about retirement. “When?” “How?” and “How much?” are common questions with not-so-simple answers. Until now.

When you’re 20 and retirement is 40-plus years away, putting $100 per paycheque into an RRSP probably isn’t a priority. But for a young person, time is your biggest ally when it comes to retirement savings.

The financial management side of an operation often brings the greatest challenges, but it can also provide the greatest rewards and define your operation’s future. Specifically tailored for agriculture producers, this seminar will provide you with hands-on, practical experience and the valuable tools you need to take an active role in the financial management of your operation.

Being an entrepreneur requires you to have an array of skills, not the least of which is your ability to articulate what your company does and how it makes money doing it. ​

Family businesses are at the very heart of the Canadian and Albertan economy, but 70 per cent of them fail before they’re passed on to the second generation. Succession planning can help your family business survive and succeed.

The way that you manage your cash flow has a significant impact on the health of your company. An up-to-date cash-flow forecast is one of the tools that you’ll rely on to help you to understand and streamline your cash-flow cycle.​

Most people know that there are risks in investing. But knowing there are risks, without really understanding what they are, can create unwarranted fear and misplaced confidence. By understanding the factors that affect your investments, you’ll become more knowledgeable and make better investment decisions.

When it’s time to invest, there seems to be countless options. To add to the confusion, there are also financial products that combine individual investments into one, such as mutual funds. One way to get a handle on investments is to understand what category or class an investment belongs in.​

We invest so that the same money we have today will provide us with more money sometime in the future. One of the most powerful ways to grow your investment is through compounding, or compound interest.

According to a 2010 survey conducted by Franklin Templeton Investments, Canadian men are 7 per cent more likely to hold investments than women, and 77 per cent of men are satisfied with their investment knowledge compared to only 65 per cent of Canadian women who are satisfied.​

If you’re new to investing, unfamiliar terminology is sometimes discouraging. There’s a lot you can learn about investing, but there are only a few things you need to know to get started. And getting started is all you really need to do. The rest will follow.​

It’s hard to know if you have any insurance gaps or costly duplications unless you take the time to really understand what insurance you already have and what you need. Here are four simple steps to make sure your insurance is right for you.

Part of the retirement process involves switching from saving for retirement to living in retirement. So what, exactly, do you need to do to turn your retirement savings into a retirement income? One of the ways to do this is through a Registered Retirement Income Fund (RRIF).​

Most Albertans are aware of the tax and savings benefits of using a Registered Education Savings Plan to help fund your child’s future education. But there may be additional funds available to you through government grants and plans. Understanding your options and how these plans work will help you get the most benefit from your RESP.​

Your spending and saving habits have much more to do with your financial stability than your salary does. The sooner you practice good financial habits, the better off you’ll end up.​

We’ve all made financial mistakes and, odds are, we’ll make a few more. But financial mistakes can be very costly over time if we don’t learn from them. Here are some of the most common mistakes—if you avoid these, you’ll be in pretty good shape!​

One of the reasons that Canadians find themselves in debt is because they lack financial self-discipline, according to a report on financial literacy released in December 2010 by the Institute for Research on Public Policy.​

As we get closer to our retirement years, we start to worry. And with good reason: for most of us, our income is not secure. It’s a scary thought, and one that we don’t like to think about, let alone talk about. Yet we know that, sooner or later, we need to do something.

To help protect you from card fraud, ATB Financial MasterCards™ have chip technology, and now ATB Customer Cards will have this technology as well. Chip technology is the latest innovation in electronic card payment, and it has been proven to work.