November 14th – 18th is Credit Education Week in Canada. I’ve got some concerns with this event. Not only does the list of named sponsors, and keynote speakers raise questions about how serious they are about educating Canadians on credit, but the event has also created a counter movement led primarily by Gail Vaz-Oxlade who…
Considering I never met the guy, hearing about Steve Jobs passing last night really busted me up pretty bad. I never bought an Apple product, in fact I think some of the people that are fanatical about Apple in general are just plain nuts. He was however an epic visionary, and leader. He was criticized as…
I seek adventure, fun and impact out of life. I tend to live more for experiences than material things (although I do love cars and speed). I’ve decided to write a list of 5o things I want to do before I die, I know I have to write it down, and put it out there…
When I was 19 I was living in England, and at that time I rode sport bikes (crotch rockets). I remember an ad that ran in a British motorcycle magazine with a rider going around a roundabout in a full lean with his knee puck scraping the road and a look of intense focus on…
Don’t let your residential TV, Internet, or Phone provider rip you off any more. Chop your bill by 1/3. I got into a situation where I took a “teaser rate” from a big Canadian provider. FYI a teaser rate is used to deeply discount the monthly service fee for a limited time, usually 6-12 months, and usually…
Marketing people make me laugh sometimes. They come up with these phrases that they think are brilliant, but often there seems to be little or no thought placed on the moral value of the message. I’m in the debt management business, TRUST ME, you are not as rich as you think. In actuality, you are…
Lately there has been a ton of US debt settlement companies offering their service in Canada, the American debt relief landscape has become saturated with competition, bad actors and political obstacles. So now many of these unethical companies are looking for greener pastures here in Canada. To date, I am aware of the following American…
Once a year I go through my contacts and fire the losers in my life. It’s not like it’s a boardroom session from The Apprentice or anything; I just lose their numbers and don’t bother returning their calls anymore. Think about it, in our lives there are people that add value and improve our lives…
Arnold Schwarzenegger said this. He was never known for sugar coating things and I’m like Arnold, if you want rainbows and butterflies, I’ll send you to your mummy. What I want to focus on in this blog is a theme I see behind that quote. In life, people hear these quiet little voices going off…
Homes, on average during good times, increase in value by the cost of living, so let’s say you might see your home value increase by 4-5% per year. So your money grows while putting a roof over your head, and the gains you make are not taxable. Sounds like an awesome investment right? Wrong, here’s…
