Hi Everyone, As I write this the nights are cooler and the leaves are changing color. I just returned from a professional work conference held in BC. It was an intense learning experience with some fun thrown in. I debated on the format of this newsletter and since it...
In the last week of April I was recovering from dental surgery. The first step of a very expensive procedure was to remove a tooth that could no longer be salvaged. Unfortunately, our current dental coverage will not cover more than a small percentage of the cost,...
In the 1870s one of the first pension plans in Canada was sponsored by the Grand Trunk Railroad. Retirees could benefit from the plan at age 70 for a lifetime pension. Trouble was a Canadian’s average life expectancy was 55 years of age. This is what is called a...
If something cannot be detected by any of the 5 human senses does that mean it lacks value? Society today has access to a vast amount of information on any given subject. This availability has its pros and cons. The good point is that consumers could make more...
Have you ever had that feeling of being overwhelmed when looking at a buffet of 100 items with all the choices available to eat and enjoy? Ever walked out of a buffet restaurant with a slight case of upset stomach? Well it can happen in more than the food realm.... 
