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  • One Time Passcodes & Entropy

    You’re logging into your bank account and after you enter your password, you’re prompted to enter a code that you just received on your phone.

    This Multi Factor Authentication (MFA) uses a second factor like your phone to further verify your identity while you log in.

    But, have you paid much attention to what this phone code is? Introducing one...

  • Fees and taxes with robo-advisors

    I recently asked my friend “Why do you invest using robo-advisors?”

    “Because it’s 2018.”

    Beep. Wrong answer.

    Fluff phrases like that could get you elected but you ought to have stronger reasons than that when it comes to your own money.

    Robo-advisors are definitely the rage right now in Canada. Based on stats from late 2017, nearly 5% of AUM...