Canadian Financial Opinions

RSS Feed Homepage

Articles: 1, 2, 3, 4, 5, 6

RRSP Silly Season Continues
2008-02-20 14:30:00
More and more junk mail to my house berates me for not joining in on the RRSP “silly season” to get that last little bit of RRSP contribution in for 2007. It’s an interesting time of the year, and I want someone to call me to talk about this so I can ask, “Where do you ...
More About: Carnivals , Season , Silly

Inflation Lower?
2008-02-19 14:29:00
Well kind of, I guess, the year over year rate for January 2007-08 is 2.2% (adjusted), which is lower than the previous month’s 2.4% rate, which sounds good at first blush. The following quote made my left eye brow go up (my Mr. Spock, “Fascinating” look): For the fifth straight month, growth in the all-items index was due mainly to the 12-month rise in gasoline prices and mortgage interest cost. The upward pressure on the all-items index of these two components was mitigated, to some extent, by the one-percentage-point reduction in the goods and services tax (GST) that took effect in January, and by the reduction in motor vehicle prices. But interest rates have dropped, and gas prices are stable at about $1.00 a liter (here in Ottawa at least). Does this mean next month’s rates are going to be lower? I don’t think so, because shouldn’t this higher price of energy and gas pass through the system and be reflected in prices of Food, Clothing, and a...
More About: Inflation , Lower

Happy Family Day
2008-02-18 13:45:00
In Ontario we are celebrating the strangely observed Family Day. Strangely celebrated since most folks have the day off, except Federal Government Employees and some companies, so we do have mail delivery, but the Loblaws is closed? Going to make for an interesting day of figuring out whether I want to skate around the neighbourhood (yet another Freezing Rain storm in Ottawa) or sit at home with my Family and do Family things like: Paint the Family room (no, not likely to happen, Home Depot is closed too) Work on our Genealogy (I got a program for Christmas to work on that, so I may actually do that one) Ask my Children how their lives are going. That one is easy and it takes 3 minutes, because the answer is “Fine!” (with a very annoyed tone). Enjoy Family Day, get into it. How Much Do You Pay For Cable (revisited) From time to time I talk about how much home entertainment costs. I view my home as not very extravagant in this area (I haven’t upgraded my stereo in...
More About: Happy

Friday Random Thoughts
2008-02-15 13:05:00
Random Thoughts Another Friday ends another week of fun and finances. Suze Orman had her latest book published on line on the Oprah Winfrey web site, and I picked up a “copy” for my wife (of course now I am going to print it out, which sort of defeats the purpose of publishing it on line, doesn’t it?). The book entitled “Women and Money: Owning the Power to Control Your Destiny”, seems interesting enough. Hope Suze is more interested in Debt reduction these days (who cares about credit ratings girlfriend, get out of debt FIRST). When did it become trendy to lose the “i” in your name? I am getting my money’s worth out of my medical plan with my son going on antibiotics, my daughters using physiotherapy and still more drugs. It would be interesting to figure out whether I am getting my money’s worth out of my medical plan (my initial guess would be YES, given I have 4 kids). RRSP deadlines are looming soon, with February 29th bein...
More About: Random Thoughts , Random

Happy Valentine’s Day? No Happy Anniversary!
2008-02-14 14:32:00
This is my parent’s 55th wedding anniversary today, and I applaud and celebrate their lives together here and on my other web sites. Emerald is the anniversary gift for 55, if you are curious. Good Comments Lately I have had some very good commentary discussions and extra points made by my readers but yesterday there was a very good addendum to yesterday’s post Tomorrow May Be My Last Day where the commenter said: Medical/dental benefits - if they are continued (sometimes they are, sometimes they aren’t) re-order the longest supply of on-going prescriptions you can (sic) and schedule a dental appointment for as soon as practical. An excellent point that I had not even thought of, but something to add to your “job doomsday” list. Are You Buying $100 Roses Today? I’d like to, but I also can’t get my head around paying that much for something like that. I could wait two weeks and buy the same bunch of roses for $60.00, and have enjoyed peace and...
More About: Anniversary , Happy , Happy Anniversary

Tomorrow might be my last day…
2008-02-13 14:32:00
That was a comment I got from a former co-worker that I had a chance meeting with last night. Having worked in the world of High Tech for too long you learn how to deal with folks who make those kinds of comments to you, but it still unnerves you knowing how tenuous your career is sometimes. For most of us (I won’t say all because there seems to be some folks who are unfazed by this kind of comment) after a moment like that we would then go home and wonder, “What would happen if I got laid off?”. Luckily for me I have my growing Financial Blogging business (I really must learn what the correct font is for sarcasm), but aside from that what would I do? Are you prepared? This is an area which you can ignore and hope you will be OK but it might be better to at least outline somewhere what exactly you would do. Here are some of the points that I have on my list (not all of them financial): Call a lawyer to look at any severance package I was given. This makes a big a...
More About: Tomorrow

Procrastination and Finances
2008-02-12 14:28:00
Yet another example of what happens when I procrastinate has reinforced my belief that as a tactic in life procrastination is highly underrated. Many things in life will either go away, or rectify themselves if you give them time. Can procrastination be a viable financial planning concept? Procrastination Works In these situation procrastination may actually help you out: Large purchases such as cars or houses. By not doing anything you may actually end up keeping large amounts of money in your investment vehicles and gaining value, and you aren’t paying down large debts that you have accrued. Selling stocks when they are down. If you procrastinated through this last bit of bad times, you most likely held onto some stock that will regain it’s value and appreciate more. Get rich schemes from friends and family, if you wait long enough you will have “missed the boat” but will still have your money too. Procrastination is Very Bad When is procrastination a ba...
More About: Finances

New Housing Prices Up
2008-02-11 15:21:00
More statement of the obvious, by Stats Canada that new housing prices year over year are up 6.2% year over year in December. Interesting the Land prices in the housing price is actually up 6.6% year over year. Where was it most expensive to buy a new house? Sakatoon Regina Edmonton Interestingly in Ottawa/Gatineau it was only up around 0.6% year over year, which might be due to the GLUT of houses in the area. Who is buying all these houses is my question? Employment and Such The unemployment and employment numbers came out on Friday. We are back down to 5.8% which is back to the historically low numbers we have been seeing lately, and the seasonally adjusted employment numbers are very good as well. I like to quote these numbers since I really don’t understand a lot of the other economic indicators that pundits talk about, but I do understand employment and inflation (ok I don’t completely understand their counting, but I at least can grasp these numbers). These are ...
More About: Housing , Prices

Random Thoughts
2008-02-08 13:02:00
A Friday appears again and another week slips through my fingers, but time has a way of running at it’s own speed no matter how much I wish it would slow down or speed up. Stock Markets continue to drop, with many stocks including Nortel seeing 52 week lows, is this time to buy? Don’t ask me, I have no idea. Take the Burn Rate test and find out if you are one of the more than 50% of Canadians who overspend? Me I spend stupidly, but I don’t know if I overspend stupidly. Is there an election brewing? Who knows, but you know what question I’ll be asking about, Taxation reform for Single Income Families! University enrollments are up, and there are many more women than men in our Universities, according to Stats Canada. Luckily I went to a school where the men outnumbered the women in the major faculties (in the 80’s at least).  The Microsoft take over of Yahoo hit a few potholes with Google sticking it’s nose in this week, which might be a good thi...
More About: Random Thoughts , Random , Thoughts

I like to watch
2008-02-07 14:51:00
To quote Chance the Gardner from Being There, and I really do enjoy watching stocks on a ticker (I use the Yahoo Instant Messenger version) but I really am not sure why. I preach that you should stay the course and not make rash decisions, so the worst thing I can do is to sit in my office and every 10 minutes glance over to see how my stocks are doing. For a while I turned it off (and I must admit I did turn it off from 2001 to 2003, because that was just too much to watch). I also remember the heady days of the late 90’s watching stocks jump $2 and $3 a day and having no idea why (and in hindsight, neither did anyone else). I think it is the part of me that enjoys watching sporting events like Baseball. It is so long and so boring, but occasionally something amazing happens and you don’t want to miss it. Maybe I am hoping to turn and see that suddenly I can retire because all my stocks have doubled (ok, quadrupled at least), but it’s an interesting behavior that...
More About: Watch

Everybody’s got a plan…
2008-02-06 14:15:00
… until they get punched in the face! Evidently this quote is attributed to Mike Tyson, but it outlines how life is, everyone has great plans and hopes, but when life punches you in the face, that is when your plan and YOU are being tested. I heard this one again after the Super Bowl and I do like the message sent, “Plan, but remember to react and change the plan if need be”. February the Month of Pain Not sure about the rest of my readers but February is a very painful month for me every year (financially speaking), because you have a perfect storm of Financial “trigger points” to cause stress: If you have managed to pay off Christmas, you are now very cash poor, or you may still be paying off the Christmas debt load. A month into your financial plan for the year, yet you most likely are not seeing much progress (due to the debt load of January). This is a short month, but all the bills still want to get paid (your cost per day of living this month i...
More About: Everybody

Happy Fat Tuesday
2008-02-05 14:15:00
For those of you who haven’t heard today is Mardi Gras (or Fat Tuesday in a literal translation). Today would be the day in past times when you would use up all your fat and leavening type agents to prepare for the coming season of Lent. Financial Plan? If you didn’t have time to implement a financial plan for the new year, here is a perfect opportunity for you to restart and retry. You even have a set time frame to work from, make the promise to yourself that you will implement your new Financial Regimen and have it run from February 6th to March 21st, and on that weekend you will revisit (and celebrate if you succeed in your goals). Pretty simple really, don’t you think? I got a very good comment yesterday about a pledge by one of the Financial Bloggers who reads my column as well (we are an incestuous bunch and enjoy reading each other’s copy), that she would not only give up the Latte a day habit for Lent, but she will donate that money to charity! Now t...
More About: Happy

Frugality by Reading Circulars
2008-02-04 13:06:00
Tale of the Home Router This tale of consumerism was inspired by Michael James on Money and his posting about Broken Merchandise. Last week I had reached my wits end with my home router (a very old 802.11 G Linksys product), so I went out and bought a new Linksys 150N 802.11N wireless router at our local Staples, and it has been working very nicely since (no I am not endorsing this product, but it is part of this post). Friday as I longingly rummaged through the circulars from Best Buy and the Future Shop I suddenly came upon an interesting page about home networking. On that page I saw that the Future shop was selling the exact same router (I got out my magnifying glass to make sure) for $30 less than what I had paid not a week earlier (at Staples). Saturday I went into Staples with my bill, the box to the router and a copy of the Future Shop circular and with no argument and kind of a smile, Staples not only rebated to me the difference in price they used their “110 % pri...
More About: Reading , Frugality

Sunday Thoughts: Lent on Wednesday
2008-02-03 17:39:00
Tuesday is Shrove Tuesday and that means that Wednesday being Ash Wednesday, and thus Lent begins for we Christians. Lent can be used for spiritual reasons, but it can also be used for self improvement and betterment. Remember you can give up things in a traditional Lenten fashion like giving up a $4.00 Latte per day, or coffee in general (I did that one year and my wife made me give up that vow, because I was driving her crazy). You can also ADD things for Lent that makes you a better person (like exercise or eating fresh fruit). Lent is also a good time to start thinking about Financial plans to see how you can do for a short period (40 days), like bringing your lunch to work, instead of buying it? How about making a financial plan for 40 days and sticking to it? Whatever you do, plan to try something, and see how well you do!
More About: Thoughts , Sunday

Random Thoughts
2008-02-01 13:03:00
A quieter week had some interesting news but February starts quieter than January did. We found out yesterday that the Canadian Federal government is only $508 in the red thanks to it paying down the debt with the surpluses they have had for the past 10 years. Only 65 more years and we should have that whole things paid off. The Canadian GDP is up 0.1% month over month in November as well, in al industries, another sign that the Canadian economy is strong(er) than it’s American cousins. After finding out that the TD web site actually has an RSS feed that updates and tells you what their interest rates are, I noticed another interesting thing. The page with the credit card account interest rates has not been updated in over 6 months (May 14 2007)? Interest rates have dropped across the board, yet their credit card rate remains at it’s normal “loan shark like” rates. Interesting. Microsoft is offering to buy Yahoo for about $45 Billion dollars? (MSFT, YHOO) W...
More About: Random Thoughts , Random , Thoughts

Research: Books on CD
2008-01-31 14:03:00
I found a few years back that the time I spend commuting and running errands as time lost. I wasn’t doing anything, so I decided to start to listen to books on cassette. Over the years I have listened to many novels (many abridged), and enjoyed this time that much more. When I started writing here, I noticed that many financial advice books were starting to get published on cassette and on CD and so now I tend to listen to them in my car as well. Is this the best way to absorb research and ideas? I have no real idea, but I find that it does pass the time nicely, and if an idea is a good idea, it does tend to stick in my head. Naturally I cannot afford to buy all of this material, I borrow it from the Ottawa Public Library which has an amazing on line system for putting items on reserve and an easy method to pick them up. They also have an ability to download materials onto your PC and listen to them there (for a fixed period of time). Typically if a book is quite useful I may...
More About: Books , Research

Favorite: Don’t Pass it to the Other Team!
2008-01-30 13:06:00
From the archives and now from the new Favorite s page, one of my favorite financial metaphors (note that Carleton is now the 5 time Canadian Champions): Don’t Pass it to the Other Team ! So one of my sidelights is coaching basketball, and I love going to clinics from coaches who talk about coaching and plays and stuff (I’m an old gym rat at heart). Last Saturday I was lucky enough to hear from Dave Smart who is the head coach at Carleton University (the Ravens have been Canadian Champions the last 3 years running), and he was fascinating to listen to. Coach Smart admits to being a perfectionist and telling it like it is, and one of the expressions he tells all of his players is “Don’t Pass the ball to the other team“. The first time you hear this expression it sounds obvious, of course, who would do that, but what Coach Smart was trying to say (I think) is most basketball players watch their own players, but rarely see the other team’s players. If you watch the defens...

Employee Stock Purchase Plans
2008-01-29 13:02:00
As part of the capping of my pension and putting me into a different kind of pension, my company automatically put me in the stock purchase plan, where every quarter the company will allow me to purchase stock in my company at a 15% discount (which in turn becomes a taxable benefit and I am taxed at the end of the year for that 15% discount) very quarter year. This stock is then available to me, to do with what I want, and the amount of my pay cheque that I wish to commit to this stock purchase plan is variable as well (currently I have started at a very low percentage), up to a maximum of 10% of my salary (and there is a monetary value which is a maximum that you can purchase in the year). Is this a good thing? I don’t really know, but let’s weigh a few points: If I hold this stock, I am investing more money in my company. As has been pointed out by a few of the financial bloggers, I am already heavily invested in my company, in that they pay my salary, now I am putt...
More About: Stock , Plans , Employee , Purchase

In Search of Tax Deductions
2008-01-28 15:22:00
After chatting with a parent at a basketball yesterday it struck me that there might be some folk who do not fully understand all of the tax deductions and features that are available to them, so here I give you a list (not exhaustive) of some of the deductions you should think about. Children’s Fitness Tax Credit This is the new one that a lot of folks may not remember this year. Up to $500.00 worth of fees that show your child in an athletic endeavour are deductible. The title of this section is a link explaining much more about this tax credit, that parents should take advantage of. Important to have a receipt for this. Nope, if Johnny played the violin last year, that is not covered. Other deductions? Some other deductions you might want to think about if you are eligible for them: Don’t forget daycare costs, if you both work you should claim those costs, and remember important things like summer camp also can be included in there as well. I cannot claim these as m...
More About: Search

Sunday Thoughts on Giving
2008-01-27 12:54:00
“True charity is the desire to be useful to others without thought of recompense” Emanuel Swedenborg quotes Haven’t really done a Sunday posting for a while, so let me write a few thoughts. Do you give regularly to a charity? Doesn’t have to be a Church, but I think the charity needs to mean something to you, for it to really be something worthwhile, which does not mean you shouldn’t give, just try to find something you feel is important. Money is one of the things you can give, but your time and your skills are sometimes more needed than your money. Many community groups need volunteers as much as they need money. You’d be surprised what skills you have that other people might value. Do you get to Church regularly? Do they have an automatic withdrawal system in place? Maybe you should avail yourself of it? (Yes, mental note to myself). If your neighbour’s driveway is snowed in, maybe help dig them out? Yup, that is the best kind of charity. Cha...
More About: Thoughts , Giving

Random Thoughts
2008-01-25 14:24:00
This week was full of downs and then ups on the market and was a big one for me, appearing on a cross Canada morning radio show, so kind of a cool week: To end the week, we find out that core inflation continues to run at about 2.4% year over year. Shelter was up by 4.0% and Energy was up 8.0% in that index, which is no surprise to anyone who spends money. See the graphic at the bottom of this section to see comparisons. Many articles this week from various sites outlining how if you panic now all you are going to do is lose money, the Motley Fool talked about Act Fast and Kiss Your Assets Good Bye. The Bank of Canada dropped their overnight rates by 1/4% which is good for we debtors and then the U.S. Federal Reserve went 3 times better by dropping their rates by 3/4 %. Good for debtors, bad for savers, but I just keep thinking all this is doing is forestalling the inevitable default of all of the over leveraged folks. The Bank of Canada also lowered their GDP estimates for Canada,...
More About: Random Thoughts , Random , Thoughts

Lower Interest Rates and the Power You Just Received
2008-01-24 15:43:00
If you are carrying debt with a bank, you were just given a gift (a huge gift if you live in the U.S.), because the banks have lowered their interest rates yet again on loans. What will you do? Will you simply lower your monthly payment to match what the banks ask you and use the extra money elsewhere, or will you exert financial intelligence on this debt and attempt to pay it off faster? I propose a very pedagogical example for your reading pleasure. Scenario 1: Original Debt If you were say a Financial blogger and you had say, $13000 on your line of credit with your banking institution, your pay off schedule for that debt might look like this: Loan $13,000.00   Interest 6.500% Monthly Payment $398.44   Term of Loan 36 Payments   Date Payment Interest Principal Balance Total Interest Paid 01-Jan-08   $13,000.00 $13,000.00 $0.00 1-Feb-08 $398.44 $70.42 $328.02 $12,671.98 $70.42 1-Mar-08 $398.44 $68.64 $329.80 $12,342.18 $139.06 1-Apr-08 $398.44 $...
More About: Power , Interest Rates , Lower , Rates

Even a Dead Bird Bounces?
2008-01-23 14:06:00
That was an interesting expression I heard a financial pundit make once, about a short lived rebound in the markets, during a severe down turn, and it is very true, was yesterday a recovery? I have no idea, will it continue? Ask me tomorrow. As the Canadian Capitalist said in a very eloquent statement (which I will shamelessly steal): If you panicked during yesterday’s sell-off, you should take a hard look at your asset allocation and see if you are taking on more risk than you can stomach. There is nothing worse than selling in a panic and locking in your losses. Very true words, and much better than, “With great power comes great responsibility”. Personal Experience During Monday’s panic, I actually went out and bought more banks. I can’t tell you that it was an epiphany, or some other thing, but I decided I was going to get a Dividend paying asset “on sale”, so I went out and bought it. Was it the right move? Again, ask me in about 6 months ...
More About: Dead , Bird

With Great Power Comes Great Responsibility (Interest Rates Down)
2008-01-22 17:32:00
For those of you not listening to CBC Radio One that is the highlight of my analysis about the current Stock Market fun. The host Kevin Sylvester was very kind to me and led me through the questions very calmly, and it was a lot of fun. What did you miss me comment? Here are some other highlights (other than trite Marvel Comics quotations): Now is not the time to panic. If you have an investing plan, stick to it. If your plan says, SELL at a certain price, sell at that price, if not, don’t worry, unless you invested in International Buggy Whips, then be worried. My actual name was used, which some folks may not know. The retiree who talked before me espoused a very conservative investing strategy, and I reinforced her statements. I did the whole thing from my Mechanic’s lunch room, as my car was in the shop for repairs. I invest for the long term and any short term money I have, I do not have in stocks, because I need the money right away, and cannot deal with Stock Vol...
More About: Power , Interest Rates , Great , Interest , Rates

Plan for Emergencies
2008-01-21 19:37:00
So this weekend was a very good for many reasons for me. I got to watch my daughter’s basketball team play very well and pick up a silver medal at a tournament (so that is always good). I also learned the importance of planning for emergencies and contingencies. I was on the other side of the 100 car pile up(s) on Highway 400 near Toronto on Sunday. We could not get south to go home (due to roads being closed) we could not go East due to weather thus we were stuck. I had not brought any extra clothes and I had run out of cash, but things ended up fine, and we came home Monday morning in fine weather and with very little traffic. This got me thinking about how well am I ready for financial emergencies in my life? If I got laid off tomorrow (hope not, touch wood), do I have a big enough emergency fund to tide myself over until I can get employed again? Not enough is my suspicion, but I am also hoping for a severance package, which is a dangerous game to play, because what happ...
More About: Plan

Random Thoughts
2008-01-18 12:20:00
Another Friday arrives with some things to think about this week. A bad week for investments with the TSX down 900 points in three days. Is this the bottom? I have no idea, I’ll tell you in a couple of months, but now is the time to stick to your investment plans, and not panic. RRSP time continues to be a turbulent one now with the stock market going on a deep plunge, should you not even worry about it and just continue with your plans? That is what I am hoping to do. Michael James asks the question, Is Investing Like Surgery? where he asks the question and then argues that the metaphor is flawed. Hopefully I won’t catch him trying to remove his own appendix next. Speaking of RRSPs the Canadian Capitalist is talking about them, with A Review and Contest posting, you still have time to maybe win a book. I continue my war on “at work discretionary spending”, and only spent $1.35 this week, I broke down and bought 1 coffee, on an especially bad day. I am off w...
More About: Random Thoughts , Random , Thoughts

It’s RRSP Time
2008-01-17 14:22:00
It’s RRSP time.. you can almost make up a song about that (sung to the tune of “It’s Howdy Doody Time ”, but I digress. What are your plans for RRSP’s this year? I buy RRSP’s little by little over the year, so I don’t feel quite so “exposed” about not having done enough for my RRSP’s however, I think this year I am going to get a significant boost in my RRSP limit (due to my pension being capped). I keep thinking I’d like to dump a lot of money into that RRSP space, but then I wonder where that money is coming from? The airwaves will be plastered with Scotiabank, TD, PC Financial, Sun Life and anybody else who can buy ad time for you to buy your RRSP now, while you still have time! Interesting RRSP Comments and Questions Over the past few weeks I have heard more discussion on this and here are some interesting comments and questions that I have heard about RRSPs and such: Should you buy RRSPs or pay down your debt? My...

Winter Doldrums
2008-01-16 14:58:00
The Bleak Winter Days This time of the financial year for me is always dark, not just because days are so short here in Ottawa: My pay is lower due to CPP and EI coming back on line and sucking money out of my pay cheque. Christmas bill hangover (I’ll admit it, I am guilty) Planning for the new year and uncertainty about what goals there should be This January Funk happens every year in my financial outlook, but I also then have to remember that if I have a good financial plan, I will be on the right track and success becomes simply an issue of implementing the plan. Markets are Down, Time to Buy? I have no idea, all I can say is that I see the price of many stocks dropping significantly, and I keep hearing analysts say, “Cash is King” (why can’t cash be the Queen?), but I have no idea whether we have “hit the bottom” yet for any stock. I watch in amazement with my readers and wonder what the right strategy just might be. When Bloggers Meet Anot...

Now that I have earned a Million Dollars
2008-01-15 15:07:00
Where has all the money gone? So this topic comes from a comment from my friend Michael James on commenting on my “self pitying” posting of getting older yesterday. The quip is actually quite topical, I have earned well over a million dollars in my 20+ years of working. Where did all that money go? If you think about it, where it always goes: Taxes Federal Taxes which had to have eaten 10-20% of it over the years Provincial Taxes which ate about the same if not a little less GST and PST can’t even fathom how much I have paid for those little consumption taxes. Municipal Property Taxes, which keep going up as well. How much? 4-8% of my income is a good guess. Employment Insurance payments, and I have never claimed against this system (touch wood). That is money completely lost. Canada Pension Plan Payments (and a little QPP as well), hopefully I’ll get some of that back one day. That’s about 25-45% of the money right there, and I haven’t spent ...
More About: Million , Dollars

On Growing Older
2008-01-14 15:25:00
This past weekend saw me get a year older, and it struck me how much closer I am to the end of my working days. How much closer, I am not sure, but I am much closer to the end of my working days, than I am to the start of my working days. Let me elaborate with a few points: I have been working for 35 years, given I have had jobs since I was about 12 years old. That always staggers me that I have been working for that long. I am allegedly 18 years from retirement age (I think that is a synthetic value, I hope to stop HAVING to work before that, but don’t think it is likely). I have been working full time for 22 years. All of this suggests that I should be well on my way to paying off debts or be out of debt and be planning my retirement, however take these points into consideration: I have four children 1 about to start University and within 5 years I may have 3 children in University so this point in my life may be the high point for spending money (I hope), so my goal shou...
More About: Growing