Too soon old and too late smart.

Too soon old and too late smart.

The title is something that my dad would always say. The worst part is that it is true. Too much of what we need to know about money and finance we learn way too late to take full advantage of. As you get older, you begin to see many of the financial advantages that...
Insurance.  Really???

Insurance. Really???

I recently wrote and passed my provincial license for Life Insurance.  The course was very intense, and, very comprehensive.  It was also not easy.  I am sure that just like most people, insurance is not one of my favorite topics.  It seems that we, as the policy...
The 4 ways to make money

The 4 ways to make money

I was a meeting this week where the Cash Flow Quadrant came up.  This is one of the most important financial concepts there is.  This should be taught in schools.  At my college, in the personal finance course, this never comes up.  Understanding this diagram can mean...
Why would do you do that!?

Why would do you do that!?

This was the comment I got from a friend of mine the other day when I told him what I had done on the weekend.  No, it wasn’t sky diving, or drag racing.  I had written 6 hours of exams for Life Insurance. (They were qualification exams, not the Provincial Exam. That...
Financial Freedom. Monthly income or Lump Sum

Financial Freedom. Monthly income or Lump Sum

At graduation last month I had a student ask me to describe the best was for them to get to financial freedom.  That is a tricky question.  The reason being, that the answer is dependent on a number of things. Age being one of the most important.  If you are under 30...
Are you getting the Best Advice?

Are you getting the Best Advice?

I am currently listening to Tony Robbins book Money, master the game.  I am happy to say, that all the things I teach, he teaches as well.  I think I am a little more practical than he is. Tony like so many Financial instuctors comes from an American background. What...