Plan with Parth

Plan with Parth Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Plan with Parth, Financial service, Hamilton, ON.

06/15/2026

🛑 CHECK YOUR GAS BILL RIGHT NOW! 🛑

Ever notice your monthly bill randomly skyrocketing even though you didn’t change a thing? I just found out why, and honestly, it blew my mind. 🤯

Most of us assume we are paying for what we actually used, but companies are often just estimating your bill for months at a time.

Watch until the end to see how you can stop overpaying and only pay for your actual usage! 🧑‍💻👇

Has this happened to you? Check your latest bill and let me know in the comments! 👇

06/14/2026

🚨 IS YOUR PRIVACY IN DANGER? 🚨

Big Tech is ringing the alarm, and you need to pay attention.

Tech giants like Google, Apple, and Meta, along with privacy-first companies like Signal, NordVPN, and DuckDuckGo, are threatening to pull their services entirely out of Canada.

Why?

📜 The Breakdown of Bill C-22

The Canadian government is pushing to pass Bill C-22 (also known as the “Lawful Access” legislation). If it becomes law, it could completely alter digital privacy as we know it:

The Back Door: Tech companies claim this bill would force them to create a backdoor entry for police and investigative agencies to access consumer privacy details.

Data Storage: Companies would be required to store your metadata for one full year.

Secret Orders: Under secret ministerial orders, platforms would be legally obligated to hand over individual privacy data.

Lower Thresholds: The legal requirement to access data drops significantly to just a “reasonable ground to suspect,” putting almost anyone under the microscope.

Remember when bank accounts were frozen over peaceful protests? It makes you wonder... should government agencies have this kind of sweeping power over your digital footprint? 🇨🇦

👇 HAVE YOUR SAY 👇
Do you think governments should have this much authority over your personal data, or is Big Tech right to fight back?

Drop your thoughts in the comments below!

06/09/2026

Stop overpaying the government. 🛑💼

If your small business is incorporated and you aren’t maximizing the Small Business Deduction (SBD), you are literally leaving up to $85,000 on the table.

The rules can change depending on your income streams, so don’t try to DIY this.

👇 Tag a business owner who needs to see this, and save this post for tax season!

06/07/2026

🛑 Hold on... Capital Gains Tax is NOT 50%! 💸❌

Every time tax season rolls around, or the government changes the rules, the internet loses its mind thinking the government is taking half of their investment profits.

Let’s clear up the single biggest misunderstanding about Capital Gains Tax.

📉 The 50% Myth vs. Reality:

The Myth: You make $100,000 on an investment, and the government takes $50,000.

The Reality: That 50% is the inclusion rate, not the tax rate.

🧮 How it actually works:

If you have a $100,000 capital gain, only $50,000 of that gets added to your taxable income for the year. The other $50,000? Completely tax-free.

That included $50,000 is then taxed at whatever your current tax bracket is—whether that’s 20%, 30%, or 40%. It is never a flat 50% chunk right off the top.

(Note: If you’re keeping up with recent policy changes, remember that high earners or corporations might see a higher inclusion rate of 66.7% on gains over a certain threshold, but the same rule applies- it’s the amount being taxed, not the tax rate itself!)

👇 Let’s talk strategy:

Are you utilizing your TFSA or RRSP to legally protect your gains from the taxman entirely? Or are you looking for other ways to offset your taxable income this year?

Drop your questions below and let’s figure it out. 👇

06/05/2026

🛑 Stop paying premiums that only protect your bank! 🏦💸

If you’ve recently bought a home or are in the process of renewing your mortgage, listen up. We are out here pinching pennies, cutting back on groceries, and trying to stretch every single dollar. The last thing you need to do is throw away hard-earned money on something that doesn’t actually protect you.
Think about what you’re actually getting for your money:

The Bank is the Beneficiary: If the unthinkable happens, that insurance payout doesn’t go to your family to cover funeral costs, bills, or groceries. It goes straight to the lender.

Decreasing Value, Same Price: As you pay down your mortgage, the total amount the insurance covers shrinks. But guess what? Your monthly premium stays exactly the same. You are literally paying the same price for less coverage over time.

Why are we protecting the banks when we should be protecting our families? 🤦‍♂️

💡 There is a better way:

Instead of tied-to-the-bank mortgage insurance, look into a Personal Term Life Insurance policy.
You own it.

Your family gets the money directly if something happens.

They can use it for the mortgage, or for anything else they actually need to survive.
👇 Let’s talk:

Did your lender sneak mortgage insurance into your closing costs? Check your statements and let’s talk about how to fix it in the comments. 👇

06/03/2026

🇨🇦 “Technical Recession” ...or just reality?

They call it a “technical recession” on paper, but there is nothing technical about how hard it’s hitting our pockets right now. 🫠

If you’re in Canada, you’re likely feeling the exact same pressure:

The job hunt feels like an extreme sport (with 112,000+ jobs shed in just the first few months of the year).

Groceries feel like a luxury (there’s a reason food bank lineups are reaching record highs).

“Disposable income?” Yeah, that’s a distant memory.

The economists can debate the definitions all they want, but a recession is a recession when you’re living through it. 📉

👇 Let’s talk honestly:

How are you pivoting your budget right now? Are you cutting back on dining out, putting travel on pause, or looking for a side hustle? Drop your survival tips in the comments. Let’s help each other out.👇

05/28/2026

The Irony of Life Insurance... 💔🏢

It’s the ultimate paradox: When you’re healthy enough to qualify for the best rates, you feel like you don’t need it. But the second you get a diagnosis, and it’s the only thing on your mind—the doors start closing.

I recently spoke with a 39-year-old, non-smoker. On paper, he’s the “ideal” candidate. But a recent heart disease diagnosis changed everything. Now, he’s facing high premiums or limited options just when his family needs that security most.

Don’t wait for a “wake-up call” to protect your legacy. Your health is your credit—spend it wisely while you still have it. 🛡️✨

05/26/2026

GTA residents, look away now. 🙈🛑

If you thought getting a ticket on Victoria Day was bad, it’s about to get worse. The city is officially rolling out MORE camera cars to catch you in the act. 📸👮‍♂️

Revenue is skyrocketing, and the “No Parking 2AM-6AM” rule is basically a gold mine for the city.

Tag someone who still hasn’t learned their lesson in GTA. 💀

05/24/2026

$1.90 for gas?! Here’s where your money is REALLY going. 🚗💨

The “Conflict Premium” is real. While global tensions rise:
✅ Oil companies see 3x profits.
✅ Governments collect more tax.
❌ We pay more for groceries.

The cycle of inflation explained in 60 seconds. Share this with someone who’s tired of the “Pump Pain.” ⛽️😭

05/19/2026

POV: You invited friends to Brampton for the long weekend... and it cost them $65 just to say hi. 🙃💸

Did you know the City of Brampton has issued over $4.7 MILLION in parking fines in just the first half of last year? That’s an 18% jump from the year before. While we’re out here trying to be good hosts, the city is treating our driveways like a gold mine.

My friend got slapped with this $65 “administrative penalty” for parking on the street at 3:44 AM.

Apparently, between 2 AM and 6 AM, your car becomes a target unless you’ve jumped through the hoops of their online “consideration” system.

Is this about “community safety” or is it just a massive revenue grab to fund that new $3.7 million by-law overhaul? 🚔📈

If you’re visiting Brampton, don’t expect a welcome mat; expect a yellow slip on your windshield.

Drop a “🚩” if you think 2 AM street parking should be legal for visitors.

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Hamilton, ON

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Thursday 9am - 9pm
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