ON SALE (but do you need it?)

ON SALE (but do you need it?)

I work with a fair number of younger people. Under 45.  They have a tendency that I just can not figure out.  Just because something is ON SALE does NOT mean that you have to BUY it!!!! I will give you two examples. One is my ex-son-in-law. (I still like the guy) It...
The Real Path to Wealth.

The Real Path to Wealth.

The Real Path to Wealth: It Starts with Cash Flow and Lifestyle No two financial situations are alike. Everyone has different goals, abilities, and circumstances—which makes building a personal financial plan both essential and challenging. The hardest part?...
Working or Playing the market.

Working or Playing the market.

I believe that there is a big difference between “PLAYING” the STOCK MARKET; and “WORKING” the STOCK MARKET.  Over the last few months, I have switched from Playing to Working.  It has made a large difference in my returns. The guy in the...
Advice from a for profit website vs DIY

Advice from a for profit website vs DIY

I check out the MSN Feed news every day.  The main box has a mix of paid advertising and biased news clips.  Some of the adverts are sponsored by companies paid to promote company stocks.  Usually, one or more panels are from a FOR PROFIT stock advisor company.  The...
Getting to Financial Independence

Getting to Financial Independence

My students will tell you that my mantra in life is to “Think simple”. It was something one of my college professors always said, with a heavy French Canadian accent.  He was one of the best teachers I ever had, and was an inspiration for me as a teacher. I have come...
Bad Grandpa??

Bad Grandpa??

I am a very bad grandpa. I admit it. I am also a fair bit of a Scrooge. Throw in Covid and you have the perfect storm.  For the last several years I have tried to instill some financial sanity into the Christmas season.  I have promoted a “small gift” for the kids,...