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

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

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” . […]
Nepotism in the workplace may be a good thing for 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

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 […]