The Pursuit of Stuff
Jan15

The Pursuit of Stuff

I get it – having nice things is, well nice. I happen to live in a big fancy house with rock countertops that were crystallized from magma that cooled far below the Earth’s surface. I have multi-layered wood floors that were milled from a single piece of timber and kiln dried before sawing and placed in my home. My shelter is also equipped with the ability to produce clean fresh drinking water on demand. Hot or cold...

Read More
It’s Stacked Against You
Jan10

It’s Stacked Against You

There is a reason that the debt levels in Canada and the US are approaching all time highs. The average Canadian owes about $1.70 for every dollar of income he or she earns per year, after taxes. This is not an oops I slipped. This is by design. No one actually wants you to save money. Almost everyone is out to get a little bit of your dinero. I mean everyone, even your own kids are out to get you. They are constantly asking you for...

Read More
Bankruptcy of Life
Dec31

Bankruptcy of Life

“I’ve always wanted to (insert thing/activity/learn/travel here), but I can’t afford it.” Even though this (rarely updated but awesome) blog is primarily about personal finance, savings and being a frugal badass with your money. Ultimately, I think that the thing you can’t afford, is not to do the thing that you so wanted to do. What do we really need? Some food, heat, and shelter. A place to rest and a...

Read More
TFSA – It’s a Gift and it’s Tax Free
Dec19

TFSA – It’s a Gift and it’s Tax Free

TFSA (Tax Free Savings  Account) as the name suggests is a Tax Free Savings Account. But this is just plain WRONG. The banks already have accounts for that. So from this day forward you will refer to this account as a Tax Free Investment Account. An account for investments, not cash, braindead GIC’s or for use as an emergency fund. Got it.  Good news, in a couple of weeks you can shovel another $6,000 into it. You...

Read More
The Shockingly Simple Way To Get Rich
Dec12

The Shockingly Simple Way To Get Rich

Spend less than you earn and save the difference. Thanks, Captain Obvious, we already knew that.  The problem isn’t that we don’t know this, the problem is that the majority of us are absolutely horrible at it. Let’s take a look at the one thing we are really good at – Spending. Lot’s and lot’s of spending and that equals lot’s and lot’s of debt and consumption.  In Canada’s case,...

Read More
Today’s Stock Market Report:
Sep08

Today’s Stock Market Report:

I’m not sure where on the internet this gem came from – but if you haven’t seen it and you happen to be a personal finance geek, you gonna love it. I’ll also throw in a couple of stock market memes for good measure. Enjoy. Helium was up, feathers were down. Paper was stationery. Fluorescent tubing was dimmed in light trading. Knives were up sharply. Cows steered into a bull market. Pencils lost a few points....

Read More
OMY Syndrome & Early Retirement
Feb06

OMY Syndrome & Early Retirement

Despite the weighty title that this study carries “Optimum Strategies for Creativity and Longevity”, it is worth reading again and again. The work of Dr. Sing Lin makes a great case against OMY (If I work One More Year it will be all good) syndrome and makes a fairly strong case for early retirement. According to Dr. Lin, pension funds in many large American corporations (e.g., Boeing, Lockheed Martin, AT&T, Lucent Technologies,...

Read More
Is it a bargain or a giant evil plot to take your money!
Jan23

Is it a bargain or a giant evil plot to take your money!

What if I were to tell you that those 50%-70% off sales are not really bargains but just a giant evil plot to separate you from your hard earned money. Well I’m here to break it to you. Those bargains are not really bargains at all. Sometimes referred to as loss leaders these sales only exist for one purpose and that is to get you primed for an endless round of mindless consumption. You HAVE been tricked. In most cases the stuff...

Read More