Get Frustrated!

If you want things to change, you have to be really frustrated, pissed off or down right angry about your current situation. If you are content, happy or comfortable with your current situation then nothing will change.

I am not saying that you have to be frustrated or pissed off all the time, it’s just that you should be uncomfortable enough with your current situation that you can’t stand it any longer and must change it.

Want to lose weight or get fit, this will work only if you are uncomfortable with with your current situation. The same if you’re broke, single or balding. We only come this way once, if you are not happy with your current results. Look at what you have been doing and start to make some changes.

Tired of renting, then save some money for … Read more

Who Am I?

When I started in this field 17 years ago, I tried my hardest to serve all sorts of clients. It didn’t matter if it was for your commercial project, you had a prior bankruptcy, you were self employed or new to Canada. I did it all. After all of those years I will still do all of those things but I won’t do it all for everyone.

It all boils down to one thing, we have to be a fit for each other. There are enough other people doing the same thing, if we are not a fit there is one out there.

If I have to buy the rate down to win your business, I am not your guy.

If you expect a split of my commission because you referred me some business, I am not your guy.

If … Read more

What is your “Endgame”?

Recently my wife and I took our son to see Avengers Endgame. It was awesome and I highly recommend that you see it. The movie was the cumulation of 11 years and 22 movies to get this point. The head of Marvel Studios Kevin Feige was the mastermind behind all of this success as he saw the big picture. The secret is that he had a plan and he got to work to making that happen.

The truly great people in this world have a plan. They know where they want to go and take consistent action to move them in the direction of their target.

In regards to your personal finances what are your goals?

Do you want to continue renting or buy your own home?

Do you want to invest more for retirement?

Do you want to … Read more

Do you know where your money goes?

If you are like most people, you have no idea where your pay check went. Often you have more month left after all your money has gone.

Let me ask you, when you get paid do you pay yourself first? Do you do something fun then try to pay your bills or do you have a plan?

If you are not successfully budgeting and are frequently struggling with your personal finances then I highly recommend that you take a look at YNAB. Yes it stands for You Need A Budget.

It has 4 key rules;

  1. Give every dollar a job
  2. Embrace your expenses
  3. Roll with the punches
  4. Age your money

Do yourself a favour and check them out here, and enroll in one of their classes ( they have several). There is always something to learn. Or you … Read more

1% Better

When most people go to change they go at it thinking and wanting massive change. They want to double their income, lose 50+ pounds, run a marathon or create the next hot app. We live in an instant gratification society and we want results yesterday. We are so impatient.

We need to just slow down and take it step by step. Being a founding member of the impatient society I have had to learn this the hard way. Daily meditation with the help of the Headspace app has really helped.

Another way to look at it is asking yourself what could you do today that could bring you 1% closer to your goal. When you think about it 1% done everyday adds up quickly and adds up to a lot.

If you want to get to 100 push-ups, start with … Read more

What’s Holding You Back?

We all have things that we want to do but we never seem to be able to do them. It could be to lose weight, manage your finances, improve your relationships or get a better job. We are all so afraid of failure that most times we never try. You rationalize that it’s not worth the effort so you don’t even take the 1st step.

I made a decision last year to read more and watch less tv. So an hour a day I commit to reading to learn more and to possibly improve myself. I read a great book by Mel Robbins and in it she talked about not giving into your fear and to just count down 5-4-3-2-1 and to just do it.

If you can do just one thing today, do that. Tell someone special how important … Read more

Entrepreneur’s Wanted

Hey Business Owner!


Congratulations you’ve done it, you have started your own business. You have taken the 1st step. This could of been years in the making or a recent spark of inspiration that pushed you to it. Irregardless congratulations I am happy for you.

Now get your business registered, set up your banking and start making some sales. If you are boot strapping your early growth that is great as it shows that you have some skin the game. Once you have some preliminary success and you have proven your concept, now the future is starting to look bright. It may now become time to start thinking about financing your future growth.

We have years of experience in assisting entrepreneur’s finance and fund the future growth of their businesses. Whether you are looking for working capital or a private … Read more

David Bowie said it best

It was very sad to get up this morning to read about the passing of a rock legend David Bowie. I have always loved his music. The news reports talked about the impact his life has had on rock music, fashion, art and even financial securities with Bowie bonds.

I don’t know how many hundreds if not thousands of times I have listened to his song changes. Singing along and not realizing until today that I ( like many) was singing it wrong. He talked about “time may change me, but I can’t trace ( not change) time. I did not really get what he meant till today, and his career summed it up perfectly. You can’t go back in time. Bowie was always changing, and that’s what made him interesting.

Change is the one constant that we have … Read more

New Year New You, or Same Old Story?

Happy New Year, I hope 2015 was a great one for you and that 2016 will be even better. What are your plans for improving your life in 2016? Or are just content in just doing the same old thing day after day and getting the same results? You know that’s the definition of insanity right!

Most people including myself have been no different, use the new year as a time to write down their goals for the year. However what happens for most ( I am guilty of this as well)  is that they write them down then they forget about them. Once you have written them, that’s a great 1st step accomplished. Now you must detail a plan for accomplishing them.

The reason that I am writing about this is because I want to make 2016 the best … Read more

Get off the treadmill, you’re not a hamster

As the year is winding down, I have been thinking of what I have accomplished this year. What I worked on and did not finish, and what I just did not get around to doing at all. How did you do with your scorecard? Sadly if you are like most, you may not even of kept score.

It turns out that only 5% of the population actually set goals, and more importantly only a smaller percentage of those actually write them down. Are you getting up day after day, doing the same thing and expecting different results. You know that’s the definition of insanity right!

What are your personal goals? Your health goals? Your financial goals. Do you know what you want to achieve today, this week, this month and this year that will help you come closer to their … Read more