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12,000 years ago, our hunter-gatherer ancestors began to think differently. Hunting and gathering was a painstaking and dangerous process that yielded short term results and

The lyrics for “Silent Night” were written just after the end of the Napoleonic Wars by the young Austrian priest Joseph Mohr. In the fall

As published in The Richmond News. We are born to trust. Without trust, we would never have learned to walk, talk, take care of ourselves

Among the many words we use during the Christmas season, Peace invariably penetrates my heart. We make a choice when we embrace peace and it

It’s that time of the year! The Christmas Holidays are quickly approaching! We are all looking forward to the precious time celebrating with loved ones!

On April 30, 2009, near the bottom of the massive global credit crisis, Chrysler LLC filed for Chapter 11 bankruptcy protection to renegotiate its debt

There is a phrase that we use a lot in our family: “We stand on the shoulder of giants.” To us it means that so

We spend our lives either pursuing pleasure or avoiding pain. Obviously, pleasure is a far more desirable outcome than pain but I would like to

While listening to a podcast by Robin Sharma on “Why So Few Succeed,” one passage profoundly struck me: We live in a civilization of consumers.

A good friend of mine once told me that most people are not born volunteers. However, we are hard wired to help others when asked.

After all the bills are paid, we sometimes find ourselves with a surplus of cash and wondering how best to use it. Your options for

Occasionally, we may receive a windfall – a large, unexpected sum of money. In most cases, these windfalls come from inheritances, usually from parents or

We all love market volatility – as long as it is on the upside!.  Unfortunately, history has shown us that every bull market is often

Doesn’t it drive you crazy when you get to the end of a jigsaw puzzle and it’s ruined because you’re missing one final piece of

The work is almost done. You’ve accumulated a nest egg that will assure the retirement lifestyle you planned for. The golf course beckons, as does that year-long world cruise.  You are happy –

Life is too precious to fret over decisions that should be simple. The decision on whether to invest in your RRSP or TFSA is no

The problem with accumulating more wealth is in deciding what to do with your excess cash. The biggest question has always been: “contribute to investments

“A man who has his health has a thousand dreams. The man who doesn’t have his health has but one” Author unknown Tweet As many

Everybody procrastinates about something You are not alone. We all think that others have it together, but the truth is that we are all financial

I am told that the full version of our Federal Income Tax Act is more than 3,000 pages. I don’t believe it. If you’ve ever

Over the years spent teaching financial planning courses, I could count on two common comments: I should have taken this course years ago. My children

Dollar Cost Averaging (DCA) is a simple systematic approach to buying investments.  DCA tempers the volatility of your investment portfolio by breaking down large investments