Financial Literacy

04/10/2026

Todays jobs numbers show that, although the unemployment rate is constant, jobs that were added were PART-TIME, while FULL-TIME jobs decreased in Canada.
Average Hourly Wage rose to 5.1% showing that employees are working longer hours.
Labour Market - Positive for rate cuts
Wage Growth - Negative for rate cuts
NET - Slightly positive for rate cuts

What the BoC will likely say (if they spoke today)
“Labour market continues to ease.”
“Wage growth remains elevated and inconsistent with price stability.”
“We need more evidence inflation is sustainably moving to 2%.”

That’s classic wait‑and‑see language.

03/28/2026

03/21/2026

Taking CPP at age 60 in Canada.
Consider, investment of early payments, current value of money in todays terms, inflation errosion of later premiums and, if you have pensions or investment incomes, in the increased taxes you will pay.

For many, who are doing well or have pension and investment income, the delaying of payments can make you worse off.

Unfortunately, most only look at the large 36% increased payment. It's simple, it looks great and without considering all other factors, makes perfect sense. And following this seemingly sounds advice to wait, may be to your detriment.

Financial Literacy matters.

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02/22/2026

So many have a love/hate relationship with money. They love to make it but hate to keep it.

12/22/2025

Understand money then you can win the game that's rigged against you.

12/20/2025

Financial literacy means different things to different people. For us, it’s simple: being MONEY SMART.
Being money smart isn’t just about budgeting, managing debt, or even understanding how money works on the surface. It goes further. It’s about understanding money as a tool—why it exists, how it moves, and how systems and businesses profit when you follow conventional spending habits.
Being MONEY SMART means seeing the mechanics behind the money.
It transforms financial literacy from basic knowledge into a real, practical understanding of how wealth is created.

12/15/2025

CPI measures costs also refered to as inflation. A reading of 0.1% can be seen as positive. The following chart shows the breakdown of how that number was calculated. The main drivers were a sharp drops in gasoline taxes, travel accommodation and recreation. Only you can determine if the CPI is relative to your situation.

12/13/2025

The Ivey PMI came in at 48.4, signaling a slowdown in economic activity. Since any reading below 50 indicates contraction, this points to weaker momentum. Employment rose by 53.6K, though most of the gains were in part-time positions within transportation and retail—a seasonal trend typical of November as the holiday period approaches. The reported drop in unemployment to 6.5% reflects not only job creation but also the exit of roughly 26,000 people from the labor force. Without that decline in participation, unemployment would be closer to 6.8%. Economic data can be revealing, but it’s important to look beyond the headline numbers to understand the forces driving them.

12/03/2025

UNDERSTANDING GDP (Gross Domestic Product) - GDP is the value of all spending in the country. To determine if the country is doing better, we have to exclude government spending and look at increase or decrease of private sector spending.

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11/03/2025

When election time comes, there are two questions you should ask. #1 - Will the policies of the party I am voting for create inflation or reduce inflation? # 2 - Will the party I am voting for increase private sector economic activity or slow private sector economic activity?

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10/23/2025

Only a federal government can create inflation, which is the increase of money supply.. Just because the definition of inflation was changed to "increased prices" does not change this fact. By understanding this, we can determine what companies and industries are targeted to be beneficiaries of fiscal policy and, therefore, where to place our money. Beating inflation is possible by understanding financial literacy.

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10/20/2025

Today's youth have opportunities that were not available in previous generations. With internet and access to instant investing, the ability to generate wealth is easier than ever. Income is NOT the main factor in creating financial freedom, it's the mindset of money. Understanding financial literacy is important.

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