A balloon payment (also called a residual value) is quite simply an amount of money that is still due after you’ve finished paying your monthly instalments. The goal of structuring […]
Continue readingVisualization and stress
Not all stress is bad. But, if left unmanaged and unchecked, stress can become quite unhealthy for us. We all know many causes of stress, but we don’t always slow […]
Continue readingSeeing the light.
There are many reasons for our increased stress levels – the use of technology and how it has changed our communication with each other and the world around us is […]
Continue readingInflation & Interest Rates
Typically, inflation and interest rates are in an “inverse” relationship: When rates are low, inflation tends to rise. And when rates are high, inflation tends to fall. Moneyweb recently wrote […]
Continue readingRecognize. Interrupt. Change.
“We cannot change what we are not aware of, and once we are aware, we cannot help but change.” – Sheryl Sandberg The foundation of most of our ongoing frustrations […]
Continue readingRewriting retirement rules of thumb
At the end of any retirement planning conversation, we should always end with how our plan is unique to our own situations. But at the beginning, during the exploratory stage, […]
Continue readingFinding the healthy positive
Everything we know, believe, and feel is based on our internal thoughts. Positive thinking gives us extraordinary power over our thinking and ourselves (Strycharczyk & Clough, 2015). Some people are […]
Continue readingReady and Willing
Here’s the thing about financial planning: we don’t plan out of fear; we plan so that we can extend our peace of mind. This is why wills form such a […]
Continue readingMessy, not perfect
It’s hard not to become fixated on getting things perfect. It may not be in all areas of our lives, but for almost all of us, we have skills, relationships […]
Continue readingCruise through a cost-of-living crisis
No one likes to plan for a time when we might not have enough money to make ends meet. Often, when we plan or make financial decisions, we assume that […]
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