List/Grid Author Archives: Mark

Smart Investing

10 Saving and Investing Truths

To quote the late Dr. W. Edwards Deming, a world famous author and quality management guru: “If you can’t describe what you are doing as a process, you don’t know what you are doing.” In my work, Dr. Deming’s wisdom is referred to frequently. I think his wisdom also applies quite nicely to an investment strategy. Once that’s defined it’s much easier to execute on. I live processes and systems stuff in the workplace every day and for whatever reason, it took me until my 30s to adopt this quality management philosophy ...
Customer Service

How I Used Twitter For Customer Service Help

A few weeks ago I posted this on Twitter: My request for help came after a phone call to my mortgage lender revealed I could no longer adjust my mortgage payments with them over their telephone banking service.  This is despite this information on the website: “TelNat gives you more than access to efficient Telephone Banking Solutions. You can also get answers to all your questions, as well as information on your banking affairs and sound advice when you need it.” Although mortgage services are not explicitly listed on their “Smart Solutions” ...
Weekend Reading

Weekend Reading – Retired by 30, greatest asset, saving, one year later

Welcome to some great new articles for your Weekend Reading.  In case you missed it, I provided some thoughts about saving and investing for retirement based on how our plan is working here and the folks at Grouplend, a Peer-to-Peer lending company, were kind enough to answer a few questions I had. If you have a few minutes, watch this video, how Mr. Money Mustache retired at age 30. From the video and article:  “At the time of retirement, we had it split up with $600,000 of investments … and then a house that was paid off that was worth ...

Peer-to-Peer Lending – Why not take advantage of the debt binge?

Canadians love debt.  It’s hard to argue with the facts.  Earlier this year, Canadians with debt (myself included with mortgage debt) hit a new, all-time high:  credit-market debt including mortgages, consumer credit and non-mortgage loans grew to 163.3% of disposable income, up slightly from 162.7% in the previous quarter according to our friends at Statistics Canada.  You can read here about some facts and history related to household to income debt.  For comparison purposes, in 1980, “the ratio of household debt to personal disposable ...
Smart Investing

Reader Questions – Essential Saving and Investing Advice

Thanks good readers, I appreciate hearing from you and receiving your saving and investing questions. I’ll be the first person to acknowledge our saving and investing approach might not be suitable to everyone however I believe things are working out for us so far.  Before I get into the latest set of reader questions to My Own Advisor here’s a brief look at our financial priorities: Very high priority on saving, contributing and maxing out our Tax Free Savings Account (TFSA) every year. High priority on contributing monthly to our Registered ...

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