Tammy Johnston of The Financial Guides

We are all human.  Being human brings with it the blessing and the curse of emotions.  When we are talking about money (and most other things to be completely honest) the two most dangerous emotions are fear and greed. Continue Reading

Tammy Johnston of The Financial Guides

Now that we have gone over the first two evils to your wealth, the most dangerous and also the easiest to fix, we will move onto the external factors.  The next biggest enemy to face is the evil of taxation.  Canada is the second most heavily taxed nation in the westernized world.  The only country that is worse than us is Sweden.  Continue Reading

Tammy Johnston of The Financial Guides

What did you pay for a chocolate bar when you were a kid?  I’m not that old, but I remember paying $0.45 for a chocolate bar in the very small, rural town in north central Alberta.  Now when I have an uncontrollable craving and have to go and get my chocolate fix it costs me $1.10.  Continue Reading

Tammy Johnston of The Financial Guides

Why would you possibly need a lawyer?  There are so many reasons it is almost impossible to list them all but here are a few common ones:

1. You don’t have an up to date Will, Enduring Power of Attorney, or Living Will
2. You have been named the executor of someone else’s will
3. CCRA selects you for an audit
4. Your child is accused of shoplifting Continue Reading

Tammy Johnston of The Financial Guides

When it comes to financial matters there are only two things that are absolutely guaranteed.  Number one is you will pay taxes.  In Canada you will pay lots and lots of taxes.  Number two is you will die.  Nobody wants to think about their own mortality, but it is a fact of life that eventually we must face. Continue Reading

When was the last time you heard of someone being bitten by an elephant?  You probably can’t think of ever hearing about such a thing.  But what does bite all the time?  Mosquitoes.  Continue Reading

Criminals are lazy scum.  If they had ambition and brains they would be out creating something rather than being dirt bags that leach off of the efforts of others.  Identity Thieves like easy targets, and here are some simple ways to cover your ass. Continue Reading

Do you know everything you have been up to lately?  That might seem like a very strange question, but the reality is “you” might have been much busier than you remember.  Continue Reading

If you have ever spent time watching the Simpsons, you know about Dr. Nick.  Would you let him do your heart surgery?  If you wouldn’t make Dr. Nick your family doctor, why would you hire someone of questionable competence and conscience to be your financial advisor?  Continue Reading

When you open up the papers, listen to the radio, watch TV, or over hear a conversation these days the media would lead you to believe that the world has officially come to an end.  Continue Reading