The way we perceive our world, interact with each other, and make decisions is influenced by our subconscious paradigms and values. We are not often aware of this influence. With respect to our finances the more we become aware of these viewpoints the better we can...
People are always trying to find a method to help them save money. There is no doubt that there are endless temptations to spend money in today’s society. The research behind marketing works very hard to separate people from their money. I have said it before but it...
I apologise for the long hiatus. There were topics that readers might have been interested in such as the ramifications of joint ownership, the role of an executor, but nothing to write a proper blog post. Financial independence in retirement is essential. This blog...
During a recent client meeting, we were reviewing the family budget. This is a couple with 2 young children. At present only 1 parent works. I assured them that their budget was in the ballpark, that they were not spending in an outlandish way. Still, one of the...
Recently 2 of my clients, a couple with grown children, reached the end of their 20 year life insurance term. They are 50 and 53 years old. The wife showed me the options presented by the insurance company, and asked my advice. My first question to her was: Do you...
Are you getting a refund on your tax return this year? If so have you thought about what you will do with the money? Let me set the perspective for you. This money is not found or even fun money, like the toonie in the couch cushions or the twenty you forgot in your...
I would be remiss to not write a blog post on the recent federal budget, even though it is not an exciting topic except for a data geek like me. It was a rather ho hum budget but there are 2 relevant facts to note. First some of the more important announcements came...
In the last blog post Evelyn Jacks, tax expert laid out the analogy of our financial lives being the floors of a building. It is the stage of our life where we have discretionary income that will determine if we get to the room with the best view. If we manage our...
Most of my blog posts stem from the situations that I observe in both my professional and personal life. However, sometimes other financial professionals set out a very good case for financial planning that needs to be shared with my readers. Therefore the next 2 blog...
As the CEO of your own financial company here is a motivation to do your tax return in a timely manner. Most clients reading this blog post will get a refund. Take the amount of your refund and divide it by the number of hours it takes to do your tax return. For most... 
