What is your actual annual income? Are you earning enough to live comfortably? Suppose you got offered a job or a promotion at 24 dollars an hour. Have you wondered, “$24 an hour is how much a year?”  Being paid a $24 an hour paycheck may seem like a pretty decent compensation, but we need to see the bigger picture. This article looks at how much you can make in a year, month, a week, […]

Vanguard has been a big part of building my net worth, and I’m always watching to see if they are keeping the culture. Barron’s last week ran the article Vanguard Conquered the ETF World. Where It’s Aiming Next, but it’s probably behind a paywall. Well, the three main areas are high-yield cash savings accounts, financial advice, and fixed-income investing. Let’s explore them all a bit. Financial advice. I find this the most interesting area of […]

Listen to the pod Emmanuel Asuquo, the financial adviser known as The Wealth Coach, has advised everyone from Premier League footballers to families on the breadline. His answer to why so many high earners still feel broke has nothing to do with the number on their payslip. Growing up on a council estate in Tower Hamlets, Emmanuel became a financial adviser at 22 and has spent 19 years working across the full wealth spectrum, from […]

4 in 10 physicians already have a side gig, and nearly three-quarters say it’s just as fulfilling as clinical medicine, … Read more

This is the latest sign up bonus for American Express Blue Cash Preferred card with my referral link: Apply here for Amex Blue Cash Preferred: https://americanexpress.com/en-us/referral/blue-cash-preferred-credit-card?ref=CARISH49bn&XLINK=MYCP You get up to $300 offer (Amex will tell you during application your bonus offer; I recommend using mobile phone to apply for highest offer as that’s the method […] The post New Amex Blue Cash Preferred $300 sign up bonus plus 6% Cash Back on Groceries Referral Link […]

All retirees and near retirees need to run the numbers. They need to create an optimized retirement cash flow plan. A cash flow plan will show you the optimal time to take CPP and OAS, and then how to create income from your RRSP/ RRIF/LIFs, TFSAs, Taxable accounts, pensions and other sources of income. You’ll discover the most durable and tax-efficient approach for your retirement. A successful retirement cash flow plan often ‘finds’ tens to […]

    Gift cards can be great gifts, but only when they’re for stores or restaurants you actually use. We’ve probably all received a gift card that ended up sitting in a drawer because we had no plans to use it. Instead of letting an unwanted gift card collect dust, you may be able to…

Every month since 2017, I have written an article that shows the growth of our passive income. Over the last couple of years, I’ve added some of my annual goals (New Year’s Resolutions). This is usually where I add some personal stuff. My wife was on work travel for two weeks, so my time was focused on being able to get the kids to camps, karate, etc. while managing the busiest month of dog boarding […]