Ryan Baker

46 Flips | 3 Magazines | 1 Like | @RyanBaker5s96 | Keep up with Ryan Baker on Flipboard, a place to see the stories, photos, and updates that matter to you. Flipboard creates a personalized magazine full of everything, from world news to life’s great moments. Download Flipboard for free and search for “Ryan Baker”

What If Google Took Over Banking?

Banking is rapidly undergoing a shift because of technology. There is more software, more tools, more web-based features, and artificial intelligence …

Four major changes to Canada’s housing rules

<i>Are you a first-time home buyer concerned about the housing rule changes? Email RYounglai@globeandmail.com and you could be featured in a story.</i><p>The Liberal government has announced sweeping changes aimed at ensuring Canadians aren't taking on bigger mortgages than they can afford in an era of …

These websites offer reliable answers to common financial questions

You have questions about investing, and the Internet has answers.<p>Finding them is the challenge. So much of what you find through online searches is dated, uninformed or presented by banks and investment firms trying to sell you stuff. For reliable answers to 20 common financial planning and …

Create a windfall of tax savings by making interest deductible

It's not often that you'll find money coming as a tax-free windfall. A few years ago, some taxpayers in Washington, D.C., were given an average of about $30,000 (U.S.) by merely forgoing the right to alter the façade of the buildings they owned, which were historical properties. The crazy thing was …

The Latest Blockchain Trials and Projects: The Race for Adoption in On

The race has been on for a while actually, but the speed has been surging with every other week. Since the end of May when we last looked at the …

What Sprott Asset Managment’s Eric Nuttall thinks of the energy market now

The majority of investors have completely missed the rally in energy stocks that has ensued over the past four months. As a result, there is a …

Banking’s New Normal

If you listened only to speeches from the Presidential campaign trail, you’d come away with the strong impression that, eight years after the financial crisis, Wall Street reform has been a bust. Every Republican candidate called Dodd-Frank, the centerpiece of the Obama Administration’s reform …

China Is Laying The Foundation For The Next World Gold Standard System

On April 19, the Shanghai Gold Fix officially began. The pricing mechanism is intended to be a replacement for the London Gold Fix, the primary price-discovery mechanism for gold bullion today. The London “bullion” market is not a market in bullion. Rather, it is a market in “unallocated” gold, …

Ignore U.S. tax-filing obligations at your financial peril

When I think about our cousins south of the border, I think about President Herbert Hoover, who chose to give his full salary back to the U.S. government. Some would say that, today, the U.S. government would like everyone to do the same and it's the job of the Internal Revenue Service (IRS) to …

Inside the risky world of credit-card churning: How people use reward programs to get endless free perks

Dan Miller lives in Cincinnati, married with six kids. The family reunion was in Lake Tahoe. Getting eight people across the country would have cost …

How much is your home worth? Check out our new housing data centre

The Globe and Mail has launched a new online Real Estate hub and House Price Data Centre to reflect the growing interest Canadian homeowners have in following a rapidly changing housing market that continues to surprise with vertigo-inducing new peaks in Toronto and Vancouver and slumping prices in …

Calgary Noodle Guide: Which Noodle is Which and Where to Get the Best Bowl of It

Consider this is your Asian-noodle primer: a brief taxonomy of what you’re plunging your chopsticks into, along with our picks on where to find the …

It’s time to join the second-job economy

I think it's time you got another job. Not a new job, but a second job.<p>The majority of you reading this are slaves to your employer. They are your lifeline to creating the life that you don't even truly want because you want more – you want better. Despite wanting a better life, without your …

Never Brush Your Teeth at the Airport Again, Thanks to This Cool Website

Long layover? No problem! Savvy site Hotels By Day lets you book luxe hotel rooms affordably for quick morning, midday, or afternoon stays.

Airports

How one fintech company wants to save consumers a lot of money on their credit cards

<b>This article appears in the April edition of the Financial Post Magazine. Visit the iTunes store to download the iPad edition of this month’s …

Barclays becomes the first big UK bank to back a digital currency firm

In what Britain's Treasury called a "major milestone" in its push to make the UK the world's capital for financial technology, or fintech, Circle was granted an e-money license by the Financial Conduct Authority, the UK watchdog - another first for a digital currency company.<p>The Boston-based …

Digital Currency

The No-Tipping Point

Servers get tips and kitchen staff don’t, creating two tiers of employee. Danny Meyer wants to fix that. (photo: Yuri Arcurs/Getty Images)<i>Our latest</i> …

Hospitality

The Economist Defends 'The World's Dumbest Idea'

There’s something unbearably sad about a great financial journal like <i>The Economist</i> defending shareholder value theory, which even Jack Welch has called “the dumbest idea in the world.” Like many unbearably sad things, it involves clever people who should know better struggling to defend something …

Lack of awareness means Canadians are lagging in fintech

The uptake of financial technology services among Canadians is lagging, mainly due to a lack of consumer awareness of the alternative options available in the market.<p>Commonly referred to as "fintech" providers, startup online companies offer clients financial service products that are generally …

Credit unions beginning to embrace fintech: ‘The way Canadians use financial services is rapidly changing’

Like Canada’s big banks, credit unions are beginning to embrace ‘fintech’ — financial technology — to protect key consumer and lending businesses …

Canadian banks embracing fintech even as global CEOs see threat in technology: PwC

Canadian banks are actively pursuing opportunities to play an integral part in the growth of fintech, despite the fact that 81 per cent of global …

Canada is top priority, U.K. startup GoCardless says of its bid to take its technology to the world’s banks

U.K. fintech startup GoCardless wants to take its bank-to-bank payment network to North America and the world, and has raised new venture capital to …

Banks Need To Collaborate With Bitcoin and Fintech Developers

<b>Banks and other established financial players have not taken a liking to Fintech and digital currency just yet, as they see both industries as major</b> …

Banks will recognise your voice when you call them with a query

New technology means customers will be able to check how much they spent simply by ringing up and speaking<p>The high-street banks’ enthusiastic embrace of developing technology has taken customers further from the branches with the launch of mortgage advisers on video and a new voice recognition …

Top 20 Apps: Credit Karma Claims No. 1 Spot in App Rankings

Credit Karma and Chase Mobile are old rivals for the top ranking in iOS and Android for finance apps. But after three weeks, Credit Karma unseated …

Apps

Calgary non-profit Mealshare wins national award

Nice guys don’t always finish last.<p>Mealshare — a not-for-profit company founded by two Calgarians — is reaching new heights, winning the Air Miles …

How robo-advisers are changing the way financial planning gets done

Greg Pollock is keeping his cool.<p>Pollock represents 12,000 financial advisers, some of whom are sure to lose clients and business as new rules come …

From banning cash to reversing pensions freedom: the best of 'the Money Lab'

Over the past nine months the Money Lab has offered a forum for radical new ideas for improving the financial landscape. Here is a selection<p>For all the talk of mobile phone banking and contactless payments, Britain’s financial landscape is still shaped largely by tradition. Today’s banks, …

This couple should defer RRSP contributions, max out TFSAs first

Like most folks their age, Beth and Trevor have enough competing demands on their income to seek out a financial plan. He is 40, she is 39. They have two children, ages 6 and 8, a house that needs renovating and a couple of investment properties with big mortgages that barely break even after …

The Commodity Bust: Those Who Don't Know Economics Are Doomed To Repeat History

Energy experts like myself have long sighed to hear the various explanations for oil price collapses, including manipulation by commodity traders, geopolitical warfare (Reagan tells Saudis to crash oil prices to defeat the Soviet Union, Saudis punish Iranians with lower oil prices, etc.), OPEC’s …