I have worked in fashion for the past 8 years and have built relationships with lots of local designers who sell locally but not online. I am thinking of building an online (e-commerce) store but I don't know how much I should spend to build it or promote it. How much do I need to get started? asked by Anonymous

I'm a 54-year-old, divorced mother of two that works as an educational assistant at a middle school. I enjoy my job and want to keep it, but I want to make more money on the side. I hear about people who are making money with online businesses, but I'm not that "tech savvy" and I don't know where to start. Any advice? asked by Anonymous

I am a Canadian living in France, married to a French National. I am deemed a non-resident of Canada. I did my taxes as required by the Canadian Government, but I am not sure if I have to pay taxes in France. Canada has a tax treaty with the French government. Do you know where I can get information? asked by Anonymous, retired, France

I'm young and I foresee embodying the generation that will change jobs 5 to 10 times during their working career; that leaves me baffled about what to do for my retirement savings. I'm currently looking at paying off my student debt before saving for retirement, but I really have no idea how to go about either. Are you able to provide some guidance? asked by Drew, student, Truro, NS

I’ve read that a 10 percent rate of return is possible on investments, at least historically. What would be the best way to invest my money in order to access that kind of interest? asked by Anonymous, lawyer, Calgary, AB

Do you recommend setting up investments within the TFSA and if yes, is it best to use the maximum amount of funds in your account? asked by Sheila, advertising, Toronto, ON

I am divorced, 52, mother of 4 grown children, moving into the next chapter of my life. I currently live with my fiancé (together 7 yrs, 14 years my junior) and we are starting to build a home...Should we get a life insurance policy on ourselves or even for just myself? asked by Anonymous, administrative assistant, Winnipeg, MB

I currently have a 7-year fixed term mortgage at 5.85% which will be up for renewal in 2015. Since I took out the mortgage, I have had to go on disability. I also co-signed on a credit card which now has a balance of about $20K. I have no problem managing my monthly expenses, but am concerned that my change in circumstances will make it harder for me to renew the mortgage when the time comes... asked by P.L., public service, Windsor, ON

There are a few different ways to approach this.

Today’s low rate environment will not last forever. The projections indicate that rates may be quite a bit higher in 2-3 years, close to what you are paying now. As such, you may want to consider early-renewal of your current mortgage. The best 5-year fixed rates are currently just north of 3%; the reduction in rate may make the change worthwhile. First though, you need to look into what your pre-payment penalty would be in order to weigh the pros and cons. If you feel that you are going to get stuck paying that credit card anyway, you may want to explore the option of rolling some or all of that into the new mortgage, should you decide to go ahead.

I know I need to hire someone to help me care for my mother, but I’m not sure how to ask the right questions. Do you have a checklist you prepare ahead of time? asked by Veronica, Illinois

We are going to get a gift ($40K-$45K Cdn) from my parents who live outside of Canada to put towards our mortgage. Just to confirm - we won't pay any taxes or need to declare this gift since it is not part of our income? If so, what are the documents or gift declaration papers we will need to present if asked by Revenue Canada in the future? asked by V., Montreal, QC