Money explained, with the maths shown.
Yoseri’s publication. One money question per article — budget, debt, savings, tax, investments — and we show the calculation instead of asking to be taken at our word.
Some articles are not shown here. They describe Canadian tax rules — income tax, pension plans and tax-sheltered accounts do not transpose from one place to another. Region shown: . ·
The main slot. One subject unfolded in depth, with the maths shown.
10 articles · 1 a week
Paying every two weeks takes three and a half years off the mortgage
The accelerated bi-weekly payment is not a financial trick. It is a thirteenth monthly payment a year, dressed up as a calendar.
· 6 min The BreakdownCanadaTaking $10,000 out of an RRSP leaves you $6,000
The tax withheld at source is not the tax. It is a down payment — and the contribution room never comes back.
· 5 min The BreakdownCanadaThe dealer’s 0% is really a loan at 3.25%
You are offered 0% financing, or $2,500 off if you pay another way. That is not a gift against nothing: it is an interest rate, and it can be worked out.
· 5 min The BreakdownCanadaFHSA or TFSA: the same $34,000 is not worth the same
Two accounts, one down payment. One hands back part of your tax straight away, the other does not. On a $34,000 goal, the gap runs into the thousands.
· 6 min The BreakdownAvalanche or snowball: the cheaper one is not the one you keep
Two methods, $38 apart over two years. The more rational one often loses to the one that gives an early win. Here are both calculations, side by side.
· 5 min The BreakdownHow many months in your cushion? "Three" is a lazy answer
The three-month rule circulates everywhere without ever saying three months of what. The right calculation depends on your real spending, the debts you must service and how stable your income is.
· 5 min The Breakdown0.47 of a point in fees: what it really costs over thirty years
Fees of 0.67% instead of 0.20% cannot be felt. Over thirty years, at $300 a month and 6% gross, the gap reaches $24,600 — 23% of everything you will have paid in.
· 5 min The BreakdownQuebecClaiming your pension at 60, 65 or 70: the calculation nobody makes
Deferring your public pension by five years takes it from $890 to $1,264 a month. The calculation is simple; what it hides is less so — it commits you to an assumption about your own longevity.
· 5 min The BreakdownCanadaThe order in which you empty your accounts is worth $64,800
Accumulating is half the work. Nobody looks at the other half until they get there — and between the best and the worst withdrawal order, the gap reaches $64,800 over thirty years.
· 6 min The BreakdownAn envelope budget without rollover is not a budget
If going over your envelope has no consequence the following month, the cap is only decoration. Rollover is what turns an intention into a constraint.
· 4 minOne fact, one angle, read in two minutes.
7 articles · 2 to 3 a week
Your statement says $200, the card charges on $933
Card interest is not charged on the balance printed on the statement. It is charged on the average daily balance — and the gap is a multiple, not a rounding.
· 2 min The ShortThe 2.5% foreign exchange fee is written nowhere
They do not appear as a separate line. They are folded into the rate shown, transaction by transaction — which makes them impossible to see and easy to pay.
· 2 min The ShortPaying the minimum: $946 of interest on $1,240 borrowed
The minimum payment is not a convenience, it is a price. On a $1,240 balance at 19.99% it costs three quarters of the sum borrowed, on top of it.
· 2 min The ShortVariable income: budget on your floor, never on your average
An income swinging between $380 and $1,840 has no useful average. Budgeting on it means spending a good month as though it were normal.
· 2 min The ShortNobody can prove you are not using your subscription
A bank statement holds debits, not uses. That is the limit most savings apps would rather not name.
· 2 min The ShortCanadaThe 30-day rule that cancels your tax loss
Selling at a loss to cut your tax works — unless you buy the same security back inside a 61-day window, including in your spouse’s account.
· 2 min The ShortYour money can only be in one place at a time
Repay, save or invest: every dollar sent somewhere is a dollar that is not somewhere else. That cost appears on no statement.
· 2 minA subject in depth, when it earns the time.
1 article · Occasional
These calculations, on your own figures.
Free with manual entry, no banking credentials and no card. You see your first statement in four minutes.
One term explained plainly, without jargon piled on jargon.
10 articles · Recurring box
Effective annual rate
Two loans both show 19.99%. One costs 19.99%, the other 22.12%. The difference is one word nobody reads: compounding.
· 1 min The GlossaryAmortisation
Your payment never changes. What is inside it does: on a twenty-five-year mortgage, it takes ten and a half years before principal overtakes interest.
· 1 min The GlossaryNet worth
What you own minus what you owe. The one figure that sums up a financial position in a single number — provided you count both sides.
· 1 min The GlossarySavings rate
The share of your net income you do not spend. The most predictive indicator of where you are heading — and the easiest to dress up.
· 1 min The GlossaryHousing ratio
The share of your income that goes on housing. The figure lenders look at first, and the one that decides your room to manoeuvre.
· 1 min The GlossaryEnvelope rollover
What is left — or what is missing — at the end of the month, carried into the next. The mechanism that separates a budget from a good intention.
· 1 min The GlossaryVolatility
How wide an investment swings around its average. It is not the risk of losing: it is the price of the ticket.
· 1 min The GlossaryLiquidity
How fast an asset becomes usable money again, without a loss. The best-stocked cushion is no use if it takes three days to arrive.
· 1 min The GlossaryVariance
The natural swing of results around their average. A negative year does not prove a strategy is broken — and a good year does not prove it works.
· 1 min The GlossaryMaximum drawdown
The fall between a peak in your portfolio and the trough that follows. The trap is not the loss: it is the asymmetry of what you have to win back.
· 1 minEvery figure published here can be redone by hand.
Yoseri News applies to its writing what Yoseri applies to the app: no invented figure. A calculation is shown, an assumption is written down, a limit is owned. When a tax cap changes from one year to the next, we point you to your real entitlements rather than invent an amount.
- Calculations you can redoThe rate, the term and the amount are always given.
- Assumptions written in black and whiteAn assumed return is announced as one.
- Pointers to your real entitlementsCaps and tax rules change: we tell you where to check.
- Investment adviceYoseri is registered as neither an adviser nor a dealer with any market authority.
- A recommended productNo commission, no paid partnership.
- A statistic without a sourceIf we cannot source it, we do not write it.
The articles explain. The app does the maths on your figures.
What you read here with examples, Yoseri does with your real transactions — read-only, inventing nothing.