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Winnipeg Free Press
16 hours ago
- Business
- Winnipeg Free Press
How to get the best bang for your (extra) buck in a three-paycheque month
Some extra cash may be about to land in your bank account. But don't label that third paycheque a bonus, experts warn. 'What happens a lot of time is when we have this extra come in, we treat it as extra,' said Christine White, a certified financial planner with Money Coaches Canada. White said she typically sees two reactions from her clients: those who didn't realize an extra paycheque was coming, and those who get excited about it. Canadians who get paid biweekly receive 26 paycheques spread across 12 months, which means there are two months in the year when they will get three paycheques. This year, if your first paycheque was received on Friday, Jan. 3, the months of January and August will be your three-payday months. If your first paycheque was Jan. 10, you'll receive three paycheques in May and October. White suggests it's important to have a plan for the money before it hits your bank account. 'If we know we're going to have these two three-pay months and we have a plan for them, then we can decide consciously and with intention what we want to spend it on,' White said. For Sara McCullough, she says she generally ignores the two extra paycheques when building monthly budgets for her clients. 'I base their income and expenses on two paycheques a month,' said McCullough, a certified financial planner and founder of WD Development. Then, she looks into what could be done with the additional cash. In her opinion, it could go under one of four categories: catch-up, buffer for upcoming bills, breathing room and future you. The extra paycheque could be an opportunity for many Canadians to catch up on paying down credit card bills or a line of credit, she said. McCullough said it could also just serve as a buffer amount in the bank. 'This might not be total bonus money,' she said. 'There's a known expense coming up. 'Your best option in that case is to let it stay in your account,' McCullough added. If someone is already ahead on their catch-up and cash cushion needs, the extra money opens up room for getting ahead. 'The get-ahead breathing room is when you're not carrying high-interest debt, and your other months are functioning smoothly,' McCullough said. This could be a chance for people to build up their emergency fund, or replenish amounts set aside for house repairs, vacations or their next vehicle, for example. Then comes the 'future you' category, McCullough said. '(If) you don't see any big expense that you would need money for, then we can look at a TFSA or first home savings account contribution,' she said. White said this could also be an opportunity for Canadians hoping to build up savings for a down payment but stuck in the paycheque-to-paycheque cycle. She suggested putting that extra cash into savings twice a year automatically — helping build that nest egg. Monday Mornings The latest local business news and a lookahead to the coming week. But it doesn't always have to be tied to financial goals and debt. 'We have a lot of competing demands for our money, or a lot of things we want to do at the same time,' White said. She often tells her clients to divide the extra paycheque across several goals — a third for debt, a third to have fun and a third for investing, for example. 'Then, you feel a little bit responsible, but also a little bit of joy from it,' White said. This report by The Canadian Press was first published July 31, 2025.
Hamilton Spectator
16 hours ago
- Business
- Hamilton Spectator
How to get the best bang for your (extra) buck in a three-paycheque month
Some extra cash may be about to land in your bank account. But don't label that third paycheque a bonus, experts warn. 'What happens a lot of time is when we have this extra come in, we treat it as extra,' said Christine White, a certified financial planner with Money Coaches Canada. White said she typically sees two reactions from her clients: those who didn't realize an extra paycheque was coming, and those who get excited about it. Canadians who get paid biweekly receive 26 paycheques spread across 12 months, which means there are two months in the year when they will get three paycheques. This year, if your first paycheque was received on Friday, Jan. 3, the months of January and August will be your three-payday months. If your first paycheque was Jan. 10, you'll receive three paycheques in May and October. White suggests it's important to have a plan for the money before it hits your bank account. 'If we know we're going to have these two three-pay months and we have a plan for them, then we can decide consciously and with intention what we want to spend it on,' White said. For Sara McCullough, she says she generally ignores the two extra paycheques when building monthly budgets for her clients. 'I base their income and expenses on two paycheques a month,' said McCullough, a certified financial planner and founder of WD Development. Then, she looks into what could be done with the additional cash. In her opinion, it could go under one of four categories: catch-up, buffer for upcoming bills, breathing room and future you. The extra paycheque could be an opportunity for many Canadians to catch up on paying down credit card bills or a line of credit, she said. McCullough said it could also just serve as a buffer amount in the bank. 'This might not be total bonus money,' she said. 'There's a known expense coming up. 'Your best option in that case is to let it stay in your account,' McCullough added. If someone is already ahead on their catch-up and cash cushion needs, the extra money opens up room for getting ahead. 'The get-ahead breathing room is when you're not carrying high-interest debt, and your other months are functioning smoothly,' McCullough said. This could be a chance for people to build up their emergency fund, or replenish amounts set aside for house repairs, vacations or their next vehicle, for example. Then comes the 'future you' category, McCullough said. '(If) you don't see any big expense that you would need money for, then we can look at a TFSA or first home savings account contribution,' she said. White said this could also be an opportunity for Canadians hoping to build up savings for a down payment but stuck in the paycheque-to-paycheque cycle. She suggested putting that extra cash into savings twice a year automatically — helping build that nest egg. But it doesn't always have to be tied to financial goals and debt. 'We have a lot of competing demands for our money, or a lot of things we want to do at the same time,' White said. She often tells her clients to divide the extra paycheque across several goals — a third for debt, a third to have fun and a third for investing, for example. 'Then, you feel a little bit responsible, but also a little bit of joy from it,' White said. This report by The Canadian Press was first published July 31, 2025.
Miami Herald
6 days ago
- Sport
- Miami Herald
Former Marlins player Ichiro Suzuki to join Baseball Hall of Fame on Sunday
Former Miami Marlin and 10-time All-Star Ichiro Suzuki joins the ranks of baseball's best this weekend, as he will be inducted into the Baseball Hall of Fame in Cooperstown, N.Y., on Sunday. Though Ichiro spent most of his career in the outfield for the American League Seattle Mariners, he left a lasting mark on the Marlins during his stint from 2015–2017. On the media headquarters floor of loanDepot park, a Baseball America cover featuring Ichiro and the headline 'One of a Kind' takes center stage on the wall of notable Marlins coverage. 'What a career, what a hitter and defender,' Marlins general manager Clayton McCullough said. By the time he arrived in South Florida, Ichiro was already a global icon. After a historic run in Japan's Nippon Professional Baseball league, he joined the Mariners in 2001 and immediately made history, winning both the American League MVP and Rookie of the Year awards in his debut season. He quickly became one of the league's most consistent and dynamic players, earning 10 consecutive All-Star selections and 10 Gold Gloves. In 2004, he set a Major League record with 262 hits in a single season — a record that still stands. Ichiro brought that same focus, determination, and professionalism to Miami. As a 41-year-old outfielder on a developing Marlins roster, he served as a steady veteran presence and an example of elite preparation during his time in Miami. In 2016, Ichiro delivered one of the most memorable moments in Marlins franchise history, lining a triple for his 3,000th MLB hit versus the Colorado Rockies — just the 30th player ever to reach that milestone and the only player who did it withthe Marlins. During his three seasons with the Marlins, Ichiro appeared in 432 games, collecting 236 hits, five home runs, 63 RBI, and 112 runs scored. He also recorded 22 stolen bases. At the plate, he posted a .256 batting average, a .315 on-base percentage and a .325 slugging percentage, totaling a .640 OPS. While his numbers in Miami were modest compared to his early years, they reflected his durability and 'longevity,' per McCullough. For McCullough and the 2025 Marlins, knowing Ichiro wore a Miami uniform definitely adds a little inspiration. 'Whenever someone has a decorated career like Ichiro and handled himself so professionally, both on and off the field, it's someone that you hold in high regard and have a lot of respect for.' Ichiro will become the first Japanese player in MLB history and the sixth player associated with the Marlins to be inducted into the Hall of Fame, joining Andre Dawson (2010), Mike Piazza (2016), Tim Raines (2017), Iván Rodríguez (2017), and Trevor Hoffman (2018). Former Marlins manager Jim Leyland, who led the franchise to its first World Series title in 1997, was inducted into the Hall in 2024.
The Journal
24-07-2025
- Business
- The Journal
'Full on war' between John Magnier and American tycoon over €22m Tipperary estate, High Court hears
THE HIGH COURT has heard of a deleted text message sent by the sister of Richard Thomson-Moore in which she was critical of American tycoon Maurice Regan before Mr Regan offered the family €5M more than John Magnier's bid for their 17th Century Tipperary Estate. Alexandra McCullough was giving evidence to the court this afternoon in the legal row over the collapse of a €15M agreement for the farming estate taken by bloodstock billionaire John Magnier against Ms McCullough's brother. Mr Magnier was in court today. In the text, she described the fight for the 751-acre Barne estate in Tipperary between Mr Regan and Mr Magnier as 'full on war'. In the deleted 10 September 102023, text to local auctioneer John Stokes, Ms McCullough described letters allegedly sent to Mr Stokes by Mr Regan as 'swiping' and 'sniffing' in the manner of his approach in making offers on Barne. She further said he had 'thrown a tantrum' over the sale. The court was told the text was only discovered because the estate agent took a screen grab of it. Competing bidder Mr Regan, the court heard, had complained in legal letters to Mr Stokes about the way the auctioneer handled the proposed sale. Mr Mangier, the court has heard, believed he had a deal for the land after a purported handshake agreement with Mr Thomson-Moore at his Coolmore home the month beforehand. In messages confirmed by the witness, she described Mr Magnier as 'savvy' and 'decent'. Ms McCullough described the situation of the competing bidders, Mr Magnier and Mr Regan, to Mr Stokes: 'We are now at full war and we are the peasants caught up in it.' Mr Magnier is suing Mr Thomson-Moore and Barne over the collapse of the purchase. The estate has been owned by the Thomson-Moore family for generations and is held in a trust. Caren Geoghegan SC, for the Magnier side, put it to Ms McCullough that she deleted the message because she was afraid the disparaging comments about Mr Regan would come to light should the trustees of Barne entertain the higher offer submitted by Mr Regan as the family later requested. Ms Geoghegan also put it to Ms McCullough that she deleted the message after a €50K cash gift from Mr Magnier, gifted to Anna and Richard Thomson-Moore in brown envelopes, was returned to Coolmore on 11 September, 2023. Ms McCullough said she initially reacted to the offer of €50K in a text to Mr Stokes saying 'sounds good'. She told the court she 'just thought it a goodwill blessing gesture that happens in Irish business' which was 'above board'. Advertisement As time went by and when the money was returned, Ms McCullough said she was, by then, 'uncomfortable' with the cash offer. Ms Geoghegan said the deleted message was because Ms McCullough did not want it to come to light as it was 'critical' of the eventual preferred buyer Mr Regan and whereas it said Mr Magnier had behaved 'decently'. Ms McCullough said it was a 'hot message' she was 'uncomfortable with'. She said she was getting rid of a message in which she had been 'lippy about someone I didn't know' and that it was 'not as intentional as you [Ms Geoghegan] are inferring'. She confirmed it was the only message she deleted during the August to October 2023 period. 'I felt I was very rude about Mr Regan,' said Ms McCullough, who referenced people in her own job with 'so much money', 'stirring' things and 'making up lies' with whom she chooses not to engage. Mr Magnier is suing Mr Thomson-Moore and Barne over the collapse of the purchase. The estate has been owned by the Thomson-Moore family for generations and is held in a trust. Mr Magnier wants the court to enforce the deal he claims he sealed with Mr Thomson-Moore with a €15M hand-shake agreement for the 751-acre estate on 22 August, 2023, at Mr Magnier's Coolmore home. The Magnier side has sued the Barne Estate, Mr Thomson-Moore and three trustee companies of IQEQ (Jersey) Ltd group, seeking to enforce the purported deal, which they say had been 'unequivocally' agreed. The Barne defendants say there was never any such agreement, as they needed the consent of the trustees to finalise any deal. Mr Thomson-Moore has told the court that while a 'price' was agreed with Mr Magnier for Barne, a 'deal' was not. After agreeing on €15M, Barne and the Magniers entered into an exclusivity agreement stipulating that Barne would not permit itself or its representatives to solicit or encourage any expression of interest, inquiry or offer on the property from anyone other than Mr Magnier between 31 August to 20 September, 2023. The trustees who hold the estate initially decided to remain loyal to the Magnier offer and felt Mr Regan's higher offer could be seen as 'provocative'. After the exclusivity period had ended, the trustees decided to go with Mr Regan's offer Mr Regan finally offered €22.25M and was made the preferred bidder. Mr Regan is not a party to the case. The case continues before Mr Justice Max Barrett. Readers like you are keeping these stories free for everyone... A mix of advertising and supporting contributions helps keep paywalls away from valuable information like this article. Over 5,000 readers like you have already stepped up and support us with a monthly payment or a once-off donation. Learn More Support The Journal
Miami Herald
23-07-2025
- Sport
- Miami Herald
Amid trade rumors, Edward Cabrera delivers strong start in potential Marlins swan song
If Tuesday was Edward Cabrera's final time pitching for the Miami Marlins, he made an unforgettable last impression. It wasn't just his performance against the Padres in the 4-3 win at loanDepot park, which undoubtedly boosted his trade value before the July 31 deadline and eased teams' possible concerns about his elbow. It was also Cabrera's final play before exiting — a headsy, athletic move that preserved the Marlins' fragile one-run lead in the sixth inning. With one out, the 6-foot-5 right-hander charged Xander Bogaerts' soft grounder, lunged, barehanded the ball, and in one fluid motion flipped it to catcher Agustín Ramírez, who tagged out former Marlin Luis Arráez sliding into home. 'I'm always aggressive for any situation that presents,' Cabrera said via team interpreter Luis Dorante Jr. 'Once you see the ball, you just start running to make the play. It's just something that comes out naturally.' Cade Gibson took over for Cabrera at that point, quickly retiring Jackson Merrill. The Marlins then added to their lead in the bottom of the sixth when Heriberto Hernández singled off starter Stephen Kolek after the Padres intentionally walked Kyle Stowers. Javier Sanoja's RBI triple with two outs in the eighth gave the Marlins a 4-1 lead. 'It was huge,' Marlins' manager Clayton McCullough said. '[Sanoja] has a real knack for the dramatic and he's come up with some really big hits for us, really, all season long. He's got no fear of any scenario or situation.' In the ninth, Merrill smacked a two-run double off reliever Ronny Henriquez after Henriquez gave up a walk and a double to the first two batters he faced. But Henriquez bore down and retired the next three Padres to secure the victory. 'Great way to finish it,' McCullough said. 'Ronny has top-of-the-line stuff…it's nice to have that type of stuff and be able to bail yourself out of a jam.' Like Henriquez, Cabrera was able to escape trouble — a few times. Before the game, McCullough said, 'We feel great about where Cabby is' with his elbow, which forced him to leave his previous start on July 11 in Baltimore after four innings. Cabrera played catch during the All-Star break, completed his usual side session, and benefited from the rotation reshuffle and a few extra days of rest, McCullough added. 'I was not worried at all,' Cabrera said of his elbow after the game. 'Because I trusted in myself and knew I was coming back.' Cabrera pitched 5⅔ innings Tuesday, giving up five hits while striking out six and issuing no walks. He threw 86 pitches, reaching a top speed of 98.8 mph. 'Now we're just coming to expect him to pitch in that manner and go deep into a game and give us a real shot to win,' McCullough said. 'Attacking them — that was the best part today,' Cabrera said. 'Mostly for strikes.' If Cabrera has been distracted at all by the trade rumors surrounding him, he didn't show it on the field Tuesday, or at his locker postgame. Both Cabrera and the Marlins' starting pitcher Wednesday, Sandy Alcantara, were among MLB's top 30 most likely to be dealt — Alcantara was No. 4 and Cabrera was No. 18 — in ESPN's most recent trade deadline predictions. Asked about the trade rumors, Cabrera laughed. 'I try not to think about it,' Cabrera said. 'At the end of the day, it's something that's completely out of my control, so there's no point of thinking too much about it.' The 27-year-old's latest outing should increase the asking price for him. He has now allowed two earned runs or fewer in nine of his past 10 starts. The only exception was four runs against the Orioles, when Cabrera experienced elbow discomfort. 'I want to keep pitching the way I'm pitching right now, go out there and do my best,' Cabrera said. 'Get good results and let those results speak for themselves.' The Marlins jumped out to a quick lead in the first inning Tuesday when Otto Lopez stroked a two-out single and scored on a throwing error after Ramírez's infield single. Stowers followed with a double to right, bringing home Ramírez all the way from first to make it 2–0. Stowers started the game tied with teammate Xavier Edwards for second in the NL with a .295 average. The Padres got on the board in the third when Arráez singled home Martin Maldonado, who had doubled and advanced to third on a wild pitch. Cabrera escaped a second-inning jam by striking out Jose Iglesias on an 85-mph curve with runners at the corners and two outs. 'He's done a great job limiting damage and keeping innings from spiraling out of control,' McCullough said. 'That's a lot of maturity on Edward's part with how he navigates through an outing.' ▪ Outfielder Derek Hill was placed on the 10-day injured list with a left middle finger sprain. Hill injured the finger in the batting cage on Saturday. ▪ Infielder Jack Winkler was recalled from Triple-A Jacksonville.
