by Joseph Francis | Jun 27, 2018 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurance, Investing, Investments, Joseph James Francis, Minimalism, Money, Money Coach, Money Mentor, Resources, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Wednesday, June 27, 2018 Abundance versus Scarcity Mentalities The mind is a funny thing. I won’t speak for anyone else, but I know I have completely imagined fictitious scenarios in my mind to justify a decision. Kind of scary isn’t it? How something completely... 
by Joseph Francis | Jun 6, 2018 | Budget Boss, Budgeting, Budgets, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Insurance, Investing, Joseph James Francis, Money, Money Coach, Money Mentor, News, Saving, Saving Money, Student Debt, Student Loan, Student Loan Debt
Wednesday, June 6, 2018 Tomorrow we vote, but for who? Welcome to America North, my friends. Tomorrow we vote in my beautiful home province of Ontario. The choices are all less than stellar. On one hand, we have Andrea Horwath of the New Democratic Party promising... 
by Joseph Francis | May 9, 2018 | Budget Boss, Budgeting, Budgets, Credit, Credit Card Debt, Credit Cards, Debt, Debt Consolidation, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Insurability, Insurance, Joseph James Francis, Saving Money, Wasteful Spending
Wednesday, May 9, 2018 7 Terrible Forms of Insurance There are many forms are terrible insurance products out there. There is a hard-fast rule when it comes to insurance: If it is offered by the bank, it is usually garbage. I always recommend saving your money and... 
by Joseph Francis | Apr 18, 2018 | Budget Boss, Budgeting, Budgets, Child Critical Illness Insurance, Critical Illness Insurance, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Group Health Insurance, Health Insurance, Insurability, Insurance, Joseph James Francis
Wednesday, April 18, 2018 The Cost of Cancer We as Canadians take for granted that our healthcare is subsidized. I know I do. As a regular user of our health care system, I have seen how not having to pay out of pocket for care is a tremendous help. I do not know what... 
by Joseph Francis | Apr 4, 2018 | Budget Boss, Budgeting, Budgets, Child Life Insurance, Debt, Declined For Life Insurance, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Group Insurance, Insurability, Insurance, Joseph James Francis, Life Insurance, Money, Mortgage Insurance, Saving, Saving Money, Term Life Insurance, Whole Life Insurance
Wednesday, April 4, 2018 The 1 Financial Product Everyone Should Have There are no “one size fits all” items when it comes to personal finance. In our training as financial advisors, we are taught to understand the client’s situation, learn about their... 