November 2022 – More than ever, helping those in need during this challenging time of higher interest and inflation including rising food and housing costs, December is the time for charitable giving. Cash is always in great demand, but consider that if you have capital gains in your portfolio, you can instead donate certain appreciated securities to a registered charity and not only get your tax receipt equal to up to 50% of the value, but you will also benefit by not having to pay tax on the capital gain triggered if you transfer the security IN KIND to the charity. Be sure to get professional advice first.