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So, what’s in a name? As I alluded to in my previous post, I’d been struggling with motivation and a sense of purpose. I’m having serious motivation issues right now even though I have a vision of where I want to head with my writing. It’s been like pulling teeth getting going on a re-design, new logo, and getting this post up.

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Credit Cards are Cash Generators


There’s a lot of pooh-pooh about the perils of credit cards on a lot of personal finance blogs. To be perfectly honest, if you can’t differentiate between money you actually have and money you don’t, it might not be quite time for you to take off the training wheels just yet. However, and hopefully for the vast majority of you, credit cards can be a completely untapped source of huge profits. I’ve had my credit card for a year and have 119,848 miles accumulated. You wanna know what that’s worth?

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Creating Wealth is Really Really Easy

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With the plethora of personal finance blogs/websites/resources out there, you might be lead to think that there something rather difficult about money and wealth. Actually, that’s far from the truth. Creating wealth is actually really, really, ridiculously simple. Take a look at this pyramid. Yep. That’s basically it. Stop the presses. Stop the internet…

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Mortgages and Interest Rates

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Buying a home is one of the biggest financial decisions most people will ever make. Taking on hundreds of thousands of dollars worth of debt to purchase a home is an immense decision that shouldn’t be approached casually. There are a myriad of factors you must consider before leveraging so much money for a single, illiquid asset. This is especially important in a “hot” real estate market like Vancouver.

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Of Inflation and Investments

Inflation vs Investing

My recent post about inflation got me thinking about holding cash versus investing. The image above demonstrates the extraordinary effects of inflation and investing. The black line shows the deteriorating effect of inflation on $1 and the red line shows the wealth generation of investing $1 – both over a 100 year time period. The $1 held in cash deteriorated from possessing a purchasing power of $20.52 in 1914 to just $1 in 2014. In contrast, a $1 invested in the S&P 500 in 1914 grew to $15,197.23 of purchasing power in 2014. In a nutshell what does this mean? Like a previous post I had titled Why You Need to Invest Your Money… you need to invest your money!