When grown kids ask for money

 ‘To give or not to give’ is the age-old question that parents of adult children often contemplate. When I am asked for advice on this topic my response is always the same: ‘neither a lender nor a borrower be’ especially when it comes to family and friends.  In my experience, the costs far exceed the [...]

Are you in shape? Take the ‘Summer Shape-up’ test?

Get the skinny on your financial ‘well being’ by taking the Summer Shape up Quiz.
 Quiz
        1.       I earn enough money each month to pay all my bills? Yes/No 
2.       I have enough money saved to pay for emergency or unexpected costs?  Yes/No 
3.       I have written financial goals?  Yes/No 
4.       I have a written savings and spending strategy that [...]

‘6 things you MUST-DO to ensure your family survives a job loss’

Nobody takes pleasure in suddenly becoming unemployed. Just the ‘prospect’ alone can be very overwhelming and stressful. Often the worry or anxiety comes from feeling you have no control over the situation. This is partially true, you may not be able to control what your employer does but you can control to some extent how [...]

The best use of your tax refund

Do you remember the good old days when spending our tax refund frivolously wasn’t such a big deal? Our jobs were stable, house values seemed to be on a never-ending climb and the stock market was booming. Things were looking pretty good.  Well, we are all feeling a little less wealthy these days; our portfolios [...]

What the heck is a recession?

What the heck is a recession?
Well we now know that we are officially in one, so what the heck is it? In simple terms, a recession is when the economy stops growing and for the most part, starts going in reverse. Technically it is described as two or more consecutive quarters of negative growth and [...]

A man is NOT your retirement plan!

I always advise women of two things, first take care of your personal finances throughout your years ‘as if you had to’. And  second, save regularly regardless of your financial health. This was the adage of a client I dealt with years ago. A lesson learned when her husband of 25 years walked out and [...]

Why women need to plan for their own retirement!

As women, we are likely to outlive our spouses or partners by an average of 5 years. Although this may seem financially insignificant when planning for a 20 to 25 year retirement, it could potentially be our most expensive years.
Things Women Need To Know

A new year, a new start

By the time we have surpassed our late thirties, early forties and ventured well into our mid-life years we will have likely experienced many life defining events.
   ‘We merged our lives with others, married and had children. We’ve survived divorce. We became empty nesters. Or perhaps we stayed single but had meaningful relationships along the way.  [...]

Live by design - how to create the life you want

Are you living the life today that you envisioned you would be living 5, 10 or even 20 years ago? Are you content with most, if not all, of the many components that make up your world: your family, friends, career, health, finances, spirituality and community? If yes congratulations, that is no small feat to [...]

Tips to spring clean your financial house

The flowers are blooming and the birds are singing - Spring seems to have finally sprung. It’s a great time to start new and clean out those cobwebs hiding within each nook and cranny of our homes. And although our intentions start off good, somehow we always find an excuse to dodge the hefty job [...]

‘9 important questions to ask before you retire’

If you’re like most, you probably don’t have the time to assess your future retirement needs. However, with increasing life expectancies and concerns over the stability of our health care system and government/private pension plans, early retirement planning is a must.
 To help you get started, here are some questions to think about:

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