by Joseph Francis | Dec 5, 2017 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Home Ownership, Joseph James Francis, Money, Mortgages, Retirement, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building
Tuesday, December 5, 2017 Buying a Home as an Investment? Really? I think our society needs to escape the crazy idea of owning a home as an investment. Now to be perfectly clear, I am speaking about the home you live in, not a rental property. Rental properties are... 
by Joseph Francis | Dec 1, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Investment Strategy, Joseph James Francis, Money, Saving, Saving Money, Teaching Children About Money, Wealth, Wealth Building, Wealth Planning
Friday, December 1, 2017 The Crushing Blow of Negative Cash Flow Today is the first of the month. What that means for me is that this week I saw my bank account deplete from what I had built it up to during the course of the month. Boom, rent, boom cable, boom hydro,... 
by Joseph Francis | Nov 30, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Education Savings, Emergency Funds, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Government Benefits, Group Health Insurance, Group Insurance, Joseph James Francis, Money, Saving, Small Business, Wealth, Wealth Building, Wealth Planning
Thursday, November 30, 2017 So, You Want to be an Entrepreneur? Can you Balance a Chequebook? en·tre·pre·neur noun A person who organizes and operates a business or businesses, taking on greater than normal financial risks in order to do so. Synonyms:... 
by Joseph Francis | Nov 29, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Education Savings, Emergency Funds, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Latte Effect, Latte Factor, Minimalism, Money, Retirement, Saving, Saving Money, Wealth, Wealth Building, Wealth Planning
Wednesday, November 29, 2017 My Take on The Latte Factor I am a strong advocate for sacrifice to obtain a higher goal. I believe saving and investing takes dedication, hard work, and humility. I also believe that we should not punish ourselves by taking away the... 
by Joseph Francis | Nov 27, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investment Strategy, Joseph James Francis, Money, Saving, Saving Money, Wealth, Wealth Building
Monday, November 26, 2017 What is Positive Cash Flow and Why is it Important? When speaking about businesses, the term “Positive Cashflow” gets thrown around a lot. Most people recognize that for a business to survive and thrive there must be more money coming in than... 
by Joseph Francis | Nov 22, 2017 | Budget Boss, Budgeting, Budgets, Diversify, Diversify Investments, Dollar Cost Averaging, ETF's, Exchange Traded Funds, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Long Term Investing, Money, Mutual Funds, Retirement, Saving, Saving Money, Wealth Planning
Wednesday, November 22, 2017 Lock, Stock, and Barrell – Equities Explained Do you remember when interest rates were hovering around 10%? How about in the mid 1980’s when they were even as high as 18%? Well I don’t, but those must have been some magical times for... 