Good afternoon! Today's stories share one thread: the version of things you're shown and the version that's actually true aren't always the same, whether that's what a stock's next move looks like, what your internet bill will really cost once the promo ends, or what actually separates a comfortable household from a struggling one.
On The Money Today:
What professional investors actually look for before a stock can 10x
The new rule forcing internet providers to show what you'll really pay
The financial habits that quietly separate the wealthy from everyone else
Let's dive in.
INVESTING
This Toronto hedge fund manager hunts for stocks that could rise 100x, and his 4 signals could help you spot the next big winner
His method for finding a stock before it takes off, and the part of it any investor can actually copy, without needing a hedge fund's resources or a trading desk watching the market all day. It comes down to a handful of questions he asks about a company long before Wall Street pays attention, the kind of groundwork that costs nothing but time. Here's how he screens for that early signal, what he tends to avoid no matter how promising a pitch sounds, and how to apply the same discipline to your own portfolio on a much smaller scale.
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NEWS
CRTC will force internet providers to show your real speed and price starting in March 2027, here's why it matters now
Starting in March 2027, providers have to post real evening speeds and the price you'll pay once a promo ends. The rule targets a gap that's cost Canadians for years: the speed advertised at signup rarely matches what you get once the network is busy, and the low promotional rate quietly jumps the moment that window closes. Once the new disclosures are live, you'll be able to compare plans on real numbers instead of marketing copy, which matters most if you're due for a renewal or thinking about switching providers this year.
MUST READ
What actually separates rich Canadians from everyone else, and it's rarely just about income
Two people earning the same salary can end up in completely different financial positions 10 years later, and the gap usually isn't a lucky break or a bigger paycheque. It traces back to a handful of habits around saving, debt and how money gets spent day to day, the kind of things that don't show up on a pay stub but add up fast either way. Here's what tends to be different about the households that build wealth, and where you might already be ahead, or behind, without realizing it.
MONEY IQ
Roughly how much of Canada's total household wealth is held by the top 20% of households?
ALSO MAKING THE ROUNDS TODAY
RETIREMENT: 477,000 Canadians have dementia and these 5 money mistakes show up years before a diagnosis
AUTO INSURANCE: Ontario drivers are finally getting a break on auto insurance rates this fall. Do you qualify?
ECONOMY: Diesel just crossed $2.75 a litre, here's how that could hit your grocery bill
HOMEBUYING: In Alberta and Saskatchewan, you can walk away from an underwater mortgage, but the rest of Canada can't
MONEY IQ: HOW'D YOU DO?
Answer: C) About 67% — Statistics Canada wealth surveys put the top-20% share at roughly two-thirds of national net worth.
That's a wrap for today! Before you go, we'd love to know what you thought of today's newsletter. Hit REPLY if you have more to share — we read every reply.
