Canadian Financial Literacy

November 4, 2017

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November is Financial Literacy Month.   Poverty Alleviation is all year long.

November November November; the cold gale winds of November. What comes to mind when one thinks of November. In The Cold November Rain another great lyrical tune and song that best describes a hard time.

Knowledge is Power and empowerment is something else. It’s something you have that you can trade, exchange or give away freely in a best case scenario. You wouldn’t give away your money if you needed it; however you may inform and educate in a way that is conducive to giving away something important and meaningful.

Who needs help should come here ask and interact with what we as a collective have to offer freely. Who has wisdom and experience should line up to give back and pay it forward. Therefore everyone is invited to the new Investment Marketplace the have’s and the have not’s, the 99 and the 1%. Creating an even playing field for one or many, for the rich and well to do, the poor and the average Canadian.

Groups and gangs rule the day…with many we are one. It sounds good in principal and means the wealth will take matters in to their own hands. And it means if you are not born rich or have not striven to higher means then you may be part of an under-served community and can all yourself an average Canadian. And this new breed of Canadian is savvy, demanding and wants and warrants more.

Let us cater to the 99…great news it is a bigger market share however they have not risen still being asleep. And when they realize and understand the small print and fuzzy math they have surely let time and the time value of money disappear on their watch.

Financial Literacy for Canadians from here on will be known and explored as:

The 6 Key Areas of Financial Literacy –

Contact: info@money.ca 416-360-0000 – James Dean



Is Black Friday Worth the Hassle?

November 28, 2010


Perhaps, it’s just me but I just don’t understand the appeal that Black Friday seems to have for some Canadian shoppers. It totally makes sense for a Canadian on a visit to the US to get some Christmas shopping done but let’s list the steps involved for a Canadian resident driving across the border simply to score some Black Friday bargains:

1. Take Thursday or Friday or both days off.

2. Drive to the US border. Wait in line to clear US customs.

3. Spend money on gas, tolls (if any), lodging and meals.

4. Line up in the cold well before store opening to snag the best deals. Try and avoid any brawls that may break out.

5. Buy items on your list. Pay sales taxes (if applicable). If you are paying with a Canadian credit card, you’ll be charged a 2.5% fee on top of the applicable exchange rate.

6. Wait in line (again!) to pay taxes, duties (if applicable) at Canadian customs.

I hate shopping at Wal-Mart even on a regular weekend. For me, no TV is worth lining up for hours in the cold in front of a Wal-Mart.

Netflix Launches in Canada

September 22, 2010


Netflix announced today that it is offering unlimited movies and TV streamed over the internet into the homes of Canadians for $7.99 per month. As a consumer who is tired of paying ever increasing cable bills, I watched the announcement with some interest. Though Netflix is offering the first month free, the selection of movies and TV shows on offer at present is rather limited. Here’s a quick rundown of movies and TV shows that came back with “not available”: Toy Story, Shrek, Finding Nemo, Ratatouille, Alice in Wonderland, Avatar, The Hurt Locker, CoralineChuck and Big Bang Theory.

Even if Netflix’s selection were more extensive, we are still limited by Bell’s bandwidth cap of 25GB. Netflix says each hour of a movie or TV show will use up 1GB of bandwidth for standard TV and 2GB for HD. At that rate, a monthly bandwidth allowance of 25GB doesn’t go very far. One option would be to switch to an ISP like TekSavvy as many consumers frustrated with bandwidth shaping and throttling of the big telcos and cable companies have already done.

Now if only there was a way to watch a hockey game or the NFL or the Stanley Cup finals or the Super Bowl, we could be saying adieu to those cable bills pretty soon.