Major changes — whether personal or professional — can significantly affect your family’s insurance and investment needs. A year-end review of your situation will help ensure that you have adequate coverage and that your investments are meeting your needs. Consider where you stand now in terms of your financial goals and what, if any, adjustments...

The most valuable things we offer our children cost nothing. But there are many other things we give them that cost money.  The most expensive is often the opportunity for them to attend college or university. Without financial assistance, our children may have to forego post-secondary education or graduate with loads of student debts.  We want...

In difficult economic times like these, it’s natural to search for ways to cut expenses and reduce the pressure on your family income. Among the many ways to lower expenses, the easiest may seem to stop making donations to your favorite charities. If we truly believe in what these organizations are doing, discontinuing our financial support means...

Today, the number of credit cards in Canada had grown to almost 65 million while the value of annual purchases made with credit cards increased more than ten times. The hard truth: More credit cards mean more credit card debt per person. Many Canadians are swamped by their monthly credit card obligations. Credit card debt is painful because often...

This is totally weird!  We packed up the car and the four of us headed out for spring break. The first part that is weird is the car part. You see, we have been driving the family van for the past 16 years.  The “loser cruiser” is what our teenage children call it.  But we drove it happily because the seven-seater fitted our family of six...