by Joseph Francis | Jan 16, 2018 | Budget Boss, Budgeting, Budgets, Dave Ramsey, Debt, Emergency Funds, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Pay Yourself First, Saving, Saving Money, Wealth, Wealth Building, Wealth Planning
Tuesday, January 16, 2018 I’m Not Cheap……I’m Frugal!!! I spent 14 years in the service industry and grew up with Portuguese parents. Let’s just say I know a thing or two about cheapness. Maybe that is why when I became an adult, the first round was always on me. I was... 
by Joseph Francis | Jan 15, 2018 | Budget Boss, Budgeting, Budgets, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Independence, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Minimalism, Money, Registered Retirement Savings Plan
Monday, January 15, 2018 What is Financial Independence? One of the pillars of our society is independence. We all want to be independent and have no reliance on anyone else. We all wish to be free to do what we wish and not have to answer to a higher authority.... 
by Joseph Francis | Jan 12, 2018 | Bitcoin, Budget Boss, Budgeting, Budgets, Cryptocurrency, Diversification, Diversify, Diversify Investments, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Long Term Investing, Stock Exchange, Wealth, Wealth Building, Wealth Planning
Friday, January 12, 2018 Invest in Bitcoin??……. Nope The world of cryptocurrency has taken the investment community by storm. Everywhere I turn its Bitcoin this or Altcoin that. I have had several people in the know explain to me exactly how Bitcoin works and to be... 
by Joseph Francis | Jan 9, 2018 | Budget Boss, Budgeting, Budgets, CMHC, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Home Buyer's Plan, Investing, Investment Strategy, Investments, Joseph James Francis, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Tuesday, January 9, 2018 A Wild Ride – The Canadian Housing Market in 2018 The past few years have seen the Canadian Housing Market go through “stock market” like growth. The whole country was intrigued and perplexed as we saw home prices skyrocket,... 
by Joseph Francis | Jan 8, 2018 | Budget Boss, Budgeting, Budgets, Canadian Industry, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Investing, Investment Strategy, Investments, Joseph James Francis, Marijuana, Money, Stock Exchange, Stocks, Wealth, Wealth Building, Wealth Planning
Monday, January 8, 2018 The Marijuana Industry in Canada – High Times in 2018 During our last federal election in 2015, our Prime Minister Justin Trudeau made many promises to the Canadian people. One of the most surprising claims was that he would make it an issue to... 