Colin Graves
Colin Graves is a Winnipeg-based financial writer and editor whose work has been featured in publications such as Time, MoneySense, MapleMoney, Retire Happy, The College Investor, and more. Before becoming a full-time writer, Colin was a bank manager for over 15 years.
Colin Graves is a personal finance writer and editor with over two decades of experience in banking and financial services. His work has been featured in Time, MoneySense, MapleMoney, Retire Happy, The College Investor, and Money.ca, among others. Before transitioning into full-time financial writing, Colin spent 15 years as a bank manager at a top North American financial institution, overseeing portfolios exceeding $1 billion.
EXPERIENCE
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BBig Six BankBank Manager
EDUCATION
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CCanadian Securities CourseCSC®
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PProfessional Financial Planning CoursePFPC®
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Their Top Finance Tip
Financial success isn’t just about numbers — it’s about mindset.
Colin Graves's Expertise
Credit Cards • Jun 09
Tim Hortons is killing its credit card — what happens to your rewards points?
More from Colin Graves
LATEST
Real Estate • Nov 04
Meridian refuses to lower 70% presale threshold for Ontario condo developers as pre-construction sales plunge 61%
Meridian Credit Union is sticking with a 70% presale benchmark as developers struggle to secure financing. For buyers, the slowdown makes a project’s cancellation terms worth a closer look
Real Estate • Nov 04
Meridian refuses to lower 70% presale threshold for Ontario condo developers as pre-construction sales plunge 61%
Meridian Credit Union is sticking with a 70% presale benchmark as developers struggle to secure financing. For buyers, the slowdown makes a project’s cancellation terms worth a closer look
News • 2351 views
U.K. opens Pornhub age-check investigation as Canada pushes two bills that could reshape how adults access porn online
Ottawa is considering two bills that could require online age checks, raising questions about how services would protect users’ personal information
News • 2351 views
U.K. opens Pornhub age-check investigation as Canada pushes two bills that could reshape how adults access porn online
Ottawa is considering two bills that could require online age checks, raising questions about how services would protect users’ personal information
Employment • Oct 31
Amazon's secret AI tool ranked Canadian warehouses on a 100-to-900 scale for unionization risk
Unifor says the retailer treats organizing as a business threat. Amazon disputes the surveillance label, while questions remain about the data behind its scores
Employment • Oct 31
Amazon's secret AI tool ranked Canadian warehouses on a 100-to-900 scale for unionization risk
Unifor says the retailer treats organizing as a business threat. Amazon disputes the surveillance label, while questions remain about the data behind its scores
News • Oct 28
1.5 million Canadian Crime Stoppers tips exposed in hack, sparking retaliation fears and privacy probe
Personal information appeared in more than 850,000 Canadian tips. Programs are suspending services as the breach raises concerns about safety, fraud, and extortion.
News • Oct 28
1.5 million Canadian Crime Stoppers tips exposed in hack, sparking retaliation fears and privacy probe
Personal information appeared in more than 850,000 Canadian tips. Programs are suspending services as the breach raises concerns about safety, fraud, and extortion.
Insurance • Oct 28
5,000 cruise passengers ended up in Halifax instead of the Bahamas — what Canadians need to know before booking
Royal Caribbean offered cash and travel vouchers after the diversion. But a changed itinerary does not automatically trigger a refund or an insurance payout.
Insurance • Oct 28
5,000 cruise passengers ended up in Halifax instead of the Bahamas — what Canadians need to know before booking
Royal Caribbean offered cash and travel vouchers after the diversion. But a changed itinerary does not automatically trigger a refund or an insurance payout.
News • 2011 views
Air Canada now charging $30 to book a flight over the phone in a move that may largely impact senior travellers
A couple booking by phone now pays $60 plus tax in service fees. Accessibility exemptions apply, but preferring to speak with an agent doesn’t guarantee a waiver.
News • 2011 views
Air Canada now charging $30 to book a flight over the phone in a move that may largely impact senior travellers
A couple booking by phone now pays $60 plus tax in service fees. Accessibility exemptions apply, but preferring to speak with an agent doesn’t guarantee a waiver.
Insurance • Oct 24
Toronto's Kew Beach residents hit by 11th flood in 27 years as city disputes stormwater tank blame
Residents question stormwater tank operations after repeated flooding near Kew Beach, while Toronto attributes the latest incident to heavy rain
Insurance • Oct 24
Toronto's Kew Beach residents hit by 11th flood in 27 years as city disputes stormwater tank blame
Residents question stormwater tank operations after repeated flooding near Kew Beach, while Toronto attributes the latest incident to heavy rain
Employment • Oct 23
Employment lawyers say workers laid off after moving may be owed more than the minimum — 3 steps before you sign
Moving for work can leave you with extra costs if the job disappears. Your termination package may be worth more than you think, even after a short time on the job
Employment • Oct 23
Employment lawyers say workers laid off after moving may be owed more than the minimum — 3 steps before you sign
Moving for work can leave you with extra costs if the job disappears. Your termination package may be worth more than you think, even after a short time on the job
News • 2355 views
97% of Stellantis workers back strike mandate as Unifor fights to protect 9,000 Canadian auto jobs
A potential strike and the proposed sale of Brampton’s assembly plant raise different risks for Ontario workers, suppliers and local businesses.
News • 2355 views
97% of Stellantis workers back strike mandate as Unifor fights to protect 9,000 Canadian auto jobs
A potential strike and the proposed sale of Brampton’s assembly plant raise different risks for Ontario workers, suppliers and local businesses.
Managing Money • Oct 19
73% of Canadian caregivers risk their own financial security — how to help a parent without draining your RRSP
Caring for an aging parent can put your retirement savings under pressure. Here’s how to share the costs, check available support and protect your financial future.
Managing Money • Oct 19
73% of Canadian caregivers risk their own financial security — how to help a parent without draining your RRSP
Caring for an aging parent can put your retirement savings under pressure. Here’s how to share the costs, check available support and protect your financial future.
Managing Money • Oct 17
Your middle-class paycheque may not cover your spending — C.D. Howe says Canada's bottom 60% spend more than they earn
A C.D. Howe report shows financial pressure extends into middle-income households. But spending more than your income doesn’t always mean taking on debt.
Managing Money • Oct 17
Your middle-class paycheque may not cover your spending — C.D. Howe says Canada's bottom 60% spend more than they earn
A C.D. Howe report shows financial pressure extends into middle-income households. But spending more than your income doesn’t always mean taking on debt.
Investing • 5456 views
Ray Dalio says a 'bond bear market' is here — and it could hit Canadian mortgages, GICs, and retirement funds
Falling bond prices can hurt existing investments, while higher yields may benefit new buyers. Here’s how the effects could reach Canadian savers and homeowners
Investing • 5456 views
Ray Dalio says a 'bond bear market' is here — and it could hit Canadian mortgages, GICs, and retirement funds
Falling bond prices can hurt existing investments, while higher yields may benefit new buyers. Here’s how the effects could reach Canadian savers and homeowners
Investing • Oct 13
Canada's investment watchdog warns after-hours stock trades can cost investors $45 more on a single order
CIRO says trading outside regular market hours can mean wider spreads and higher prices. Here’s what investors should understand before placing an order
Investing • Oct 13
Canada's investment watchdog warns after-hours stock trades can cost investors $45 more on a single order
CIRO says trading outside regular market hours can mean wider spreads and higher prices. Here’s what investors should understand before placing an order
Insurance • Oct 12
Ontario woman dropped by her home insurer after two claims in three years — her premiums have since doubled
An Ontario homeowner lost her home insurance coverage after two claims and now pays twice as much. Her experience shows how even smaller claims can affect your premiums and renewal
Insurance • Oct 12
Ontario woman dropped by her home insurer after two claims in three years — her premiums have since doubled
An Ontario homeowner lost her home insurance coverage after two claims and now pays twice as much. Her experience shows how even smaller claims can affect your premiums and renewal
Investing • Oct 09
CIBC is paying $26M to settle a mutual fund trailing commission lawsuit — here's how to claim your share
Investors who held qualifying CIBC or Renaissance mutual funds through discount brokers may be eligible for compensation. Here’s who qualifies and how to file before Oct. 21
Investing • Oct 09
CIBC is paying $26M to settle a mutual fund trailing commission lawsuit — here's how to claim your share
Investors who held qualifying CIBC or Renaissance mutual funds through discount brokers may be eligible for compensation. Here’s who qualifies and how to file before Oct. 21
Retirement • Oct 06
72% of savers consider cutting retirement contributions to cover daily costs. Here’s why this could cost you
Cutting retirement contributions can ease today’s financial pressure, but missed investment growth and employer matching could leave you with less later. Here’s what to consider.
Retirement • Oct 06
72% of savers consider cutting retirement contributions to cover daily costs. Here’s why this could cost you
Cutting retirement contributions can ease today’s financial pressure, but missed investment growth and employer matching could leave you with less later. Here’s what to consider.
Managing Money • Aug 14
CRA data shows thousands of eligible Canadians miss this $2,400 tax credit
Millions in Canada Workers Benefit go unclaimed each year — here's how to make sure you're not one
Managing Money • Aug 14
CRA data shows thousands of eligible Canadians miss this $2,400 tax credit
Millions in Canada Workers Benefit go unclaimed each year — here's how to make sure you're not one
Managing Money • Aug 13
12 million Canadians get a bigger, renamed CRA payment this month
The CRA quietly renamed the GST/HST credit and made it permanently bigger. Here's what changed, who qualifies and how much more Canadians can expect this month and for the next five years
Managing Money • Aug 13
12 million Canadians get a bigger, renamed CRA payment this month
The CRA quietly renamed the GST/HST credit and made it permanently bigger. Here's what changed, who qualifies and how much more Canadians can expect this month and for the next five years
Banking • Aug 09
Suze Orman's $1K challenge shows why your savings rate matters as much as the habit
A new survey found most women feel confident about saving — but nearly half may be earning almost nothing while they do it. Here's what Canadians should check
Banking • Aug 09
Suze Orman's $1K challenge shows why your savings rate matters as much as the habit
A new survey found most women feel confident about saving — but nearly half may be earning almost nothing while they do it. Here's what Canadians should check
Credit Cards • Aug 08
Dave Ramsey warns debt keeps people poor on purpose — new data shows what interest is costing Canadians
Record debt and high interest rates mean more of your paycheque goes to lenders. Here's the math behind Dave Ramsey's warning — and how Canadians can flip the script
Credit Cards • Aug 08
Dave Ramsey warns debt keeps people poor on purpose — new data shows what interest is costing Canadians
Record debt and high interest rates mean more of your paycheque goes to lenders. Here's the math behind Dave Ramsey's warning — and how Canadians can flip the script
Managing Money • Aug 07
That $12K roof repair? More Canadians are putting it on high-interest credit cards as household debt hits record highs
Statistics Canada says Canadians now owe C$1.80 for every C$1 they earn, a new record. Here's what's behind the rise and how to protect your own finances
Managing Money • Aug 07
That $12K roof repair? More Canadians are putting it on high-interest credit cards as household debt hits record highs
Statistics Canada says Canadians now owe C$1.80 for every C$1 they earn, a new record. Here's what's behind the rise and how to protect your own finances
Managing Money • Aug 06
O'Leary's China optimism meets a harder deadline — Canada's new 50% US tariff hits Aug 19
Kevin O'Leary predicts a shared fear of China will bring Canada, the US and Mexico closer — but a new 50% tariff on Canadian manufacturing lands first, with real costs for jobs
Managing Money • Aug 06
O'Leary's China optimism meets a harder deadline — Canada's new 50% US tariff hits Aug 19
Kevin O'Leary predicts a shared fear of China will bring Canada, the US and Mexico closer — but a new 50% tariff on Canadian manufacturing lands first, with real costs for jobs
News • Aug 06
Tiff Macklem warns Canadians: Interest rates may need to rise if Iran war-driven inflation persists
The Bank of Canada held its key rate at 2.25% but warned another hike is possible if war-driven inflation doesn't ease — here's what it could mean for your mortgage and monthly budget
News • Aug 06
Tiff Macklem warns Canadians: Interest rates may need to rise if Iran war-driven inflation persists
The Bank of Canada held its key rate at 2.25% but warned another hike is possible if war-driven inflation doesn't ease — here's what it could mean for your mortgage and monthly budget
Managing Money • Aug 05
Holding savings outside a TFSA could be costing Canadians hundreds in unnecessary taxes
A TFSA and a regular savings account can offer the same interest rate, but taxes can significantly reduce what you actually keep. Here's why the account type matters
Managing Money • Aug 05
Holding savings outside a TFSA could be costing Canadians hundreds in unnecessary taxes
A TFSA and a regular savings account can offer the same interest rate, but taxes can significantly reduce what you actually keep. Here's why the account type matters
Managing Money • Aug 05
The $1.25 million tax break business owners need to check before they sell
Most incorporated professionals never check if their shares actually qualify for this tax break until a buyer is already at the table
Managing Money • Aug 05
The $1.25 million tax break business owners need to check before they sell
Most incorporated professionals never check if their shares actually qualify for this tax break until a buyer is already at the table
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