whenever times got tough…….. “Illegitimi non carborundum”

This could be considered as anything you may want to do or have to pay for in the next 3-5 years. For some this is making sure there’s money set aside for a major vacation, not the regular annual ones. For others, this is the place to park some money for the regular purchase of a new vehicle, assuming you don’t finance or lease it. When it comes to

The short answer is human behaviour. As humans, we let emotion rather than logic drive our decisions. The emotions of fear and greed drive our decisions of when to get in and when to get out of the market.

I talked to clients about how money by itself isn’t important. In fact, I’ve been known to say that money by itself is boring, especially in the modern world, where we don’t even get to hold much of it in our hands. Our money has just become numbers in a computer. I’ve also said that the important thing is what money can do. This concept eventually

I don’t need any more stuff! What I need is help with the financial stuff I already have, so I can figure out where I go from here.

Quite simply, they want to buy when they feel good about buying or when they feel safe. And they want to sell when they don’t feel good or safe anymore. Unfortunately, this is often contrary to the principle of buy low, sell high. When markets are low, people don’t feel safe. When markets are high, they do. So they end up buying at the top, when th

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Some rules of thumb attempt to gauge how much fixed income we should have, based on our age. One such rule states that the percentage of fixed income in our portfolio should equal our age.

So generally this money is to be used to help provide an income once you’re no longer working. But it could be for any other financial goal that’s quite far out in the future. For instance, some consider a child’s education as a long-term goal worth saving for. This area is important for the simple fact that, if you don’t put aside some money for t