by Joseph Francis | Nov 14, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Diversify Investments, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurability, Insurance, Investing, Investment Strategy, Investments, Jobs, Joseph James Francis, Life Insurance, Money, Money Coach, Money Mentor, Mortgage Planning, Mortgages, Registered Retirement Savings Plan, Retirement, Retirement Planning, RRSP versus TFSA, Saving, Saving Money, Tax-Free Savings Account, TFSA, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Wednesday, November 14, 2018 The Top 3 Money Tasks for Every Decade One of the hardest things about personal financial planning is knowing what to do and when. It is natural to feel like you aren’t doing enough, even when you are way ahead of the game. Let me put it... 
by Joseph Francis | Jun 13, 2018 | Budget Boss, Budgeting, Budgets, Buying a Home, Canadian Housing and Mortgage Corporation, CMHC, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Home Buyer's Plan, Home Ownership, Insurance, Joseph James Francis, Money, Money Coach, Money Mentor, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Saving Money, TFSA, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Wednesday, June 13, 2018 The Ultimate Homebuyer’s Guide The weather has hit that summer feel and that means 2 things: Construction Season and Home Buying Season. While there is nothing we can do about construction, we can be ready for buying a home. Whether you are a... 
by Joseph Francis | May 11, 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, Joseph James Francis, Lines of Credit, Money, Money Coach, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Planning
Friday, May 11, 2018 10 Ways Having Bad Credit Affects You We all know that we need to keep our credit as squeaky clean as possible. What we don’t know is how having bad credit can impact us negatively in the future. Right when we are getting out of high school, banks... 
by Joseph Francis | Apr 25, 2018 | Budget Boss, Budgeting, Budgets, Buying a Home, 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, Home Buyer's Plan, Home Ownership, Joseph James Francis, Life Insurance, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, RRSP, Saving, Saving for a Down Payment, Saving Money
Wednesday, April 25, 2018 Buying a Home in a Red-Hot Real Estate Market We are living in a crazy era when it comes to buying a home. The experts are having trouble understanding what is going on and predicting what will happen next is impossible. What does the average... 
by Joseph Francis | Mar 23, 2018 | Budget Boss, Budgeting, Budgets, CMHC, Debt, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Home Ownership, Investing, Investment Strategy, Investments, Joseph James Francis, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Retirement, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Friday, March 23, 2018 10 Benefits of Home Ownership It is the Canadian dream to own a home. This dream has been ingrained in us since we were children. Being an apartment dweller for much of my adult life, I see the appeal of homeownership. A place to call your own... 