How I simplify my charitable donations and get a bigger tax return

Charitable donations: How to help others while getting a much needed tax credit.

Charitable donations are just that: it is a way for people to donate from their money to help those in need. That is how it should be treated and not a way to get a tax advantage. However, and having said that, the government does make it possible to get a tax credit in exchange […]

The shocking truth about your new year’s resolution: if you make it through January, it is a success

The easy secret to succeeding at your new year

Is it time they renamed ‘New Year’s Resolution’ to ‘January’s Resolution’? Let me explain… Increasingly, less and less people are making any new year’s resolutions. The reason is simple: before January is even over, they will have declared it a failure and just move on without their resolution for the rest of the year. Whether […]

How money I spend at the gas pump is financing my retirement

how my gas purchases finance my retirement

If you have a credit card, chances are you get some form of loyalty rewards for using it. Some get points, others get travel rewardss or airmiles while the latest craze is ‘cash-back’ credit card. Each has a preference and every card has certain advantages, but personally, I use the “Signature RBC Rewards Visa” . […]

New proven methods for saving gas

Creative tips to save on gas

The web is full of tips on how to save money on gas and have better fuel efficiency. Some are creative and can save you money while others are useless or we already know about. Here are some of my personal favourites which I apply myself. -Gravity is your friend: why even press on the […]

Nepotism in the workplace may be a good thing for the environment!

Hiring family members at the same company can help the environment

Nepotism can be bad, as it overlooks talent in favor of hiring and giving preference to those who are related to the people with power. But it can also be good for the environment, especially when family members work for the same company and share the same ride to work.  Nepotism can mean smart commuting. […]

How much do you owe your ‘wealth accumulation’ to psychology?

Ever read such books as ‘The Science of Getting Rich‘ or ‘The Power of your Subconscious Mind‘? If you did, then you know what I am about to talk about: how much of your wealth accumulation do you attribute to your positive thinking, believing in the ‘Law of Attraction’ etc.? In other words, do you […]

Could this be a significant reason why the economy is not rebounding in Canada?


In the last 5 years or, house prices in Canada have gone up dramatically, especially in major cities like Toronto and  Vancouver. This got me thinking: could it be that so many people are saving for a down-payment , and as a result, they don’t spend this money on other things that would otherwise revive […]

Our seesaw struggle with our credit card and my determination to win the battle

Taking one step forward and two backward will never help you pay off your credit card balance. You should have a clear plan, timeline and a real determination to pay it off...

The expenses never seem to end. But neither does my determination to lower my credit card balance and eventually make it disappear completely (balance of ZERO dollars!) It has been a big struggle to keep our-myself and my wife-credit card balance under control. Just when you thought you have made some progress, comes a wedding […]

Is Amazon responsible for local job losses where you live?

Is buying from killing local jobs?

No one can resist the temptation: you find an item on Amazon, and even after accounting for shipping expenses, it still comes out cheaper than what you would pay if you were to get the same item at a local store. I, too, have done this in the past, but not as much as others […]

One essential strategy to use when looking for a job

One essential strategy to use when looking for a job: look for companies that are desperate!

Based years of job searching and trying to find jobs for family members and friends, I have realized that one of the best and unknown ways to get a job is to look for companies that are desperate. Let me explain what I mean by this. When a company suddenly has a need to hire […]