Borrowing and Debt

Blog posts that discuss both good and bad forms of debt

Book Launch Press Release

A Fighting Chance: The High School Finance Education Everyone Deserves has launched on Amazon. This is the book you wish you were given in high school to set you up to succeed. This book makes a perfect gift to the teenagers in your life. Or, buy for yourself to brush up on your financial literacy.

Challenging the goal of retiring with no mortgage

Advertisements How many times have you heard advice to pay of your mortgage by the time you retire? That having a paid off house is setting you up for success in retirement? The argument would be that when you retire, your income reduces substantially such that paying a mortgage payment each month could impact your …

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Creating a budget that works for you

Advertisements Everyone knows that successful businesses always stick to their budgets. In an entrepreneurial setting, where a company has raised money through investors and banks, every dollar needs to be carefully deployed to resources that give the business additional value. Making frivolous decisions with investor money is a recipe for disaster and the CEO is …

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Components of Real Estate Income

Advertisements Rental real estate is an asset class which only finds its way into peoples’ portfolios if they learn about it through their network. Traditional 401k / RRSP plans aren’t suitable for investing in real estate direct. There are of course indirect ways to invest in real estate in traditional investment accounts via Real Estate …

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Why I use my credit card for everything!

Advertisements Let’s start with a clear statement on consumer spending. If you can’t pay off your credit card every month with income from your salary after you have already contributed to investments, you are spending too much. Spending too much means you will carry a consumer debt balance on your credit card which will be …

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