For those of you who might have missed it on Monday night, Gail Vaz-Oxlade did her impersonation of St. George and took on the Financial Dragons (i.e. Banks and the C.D. Howe institute), in a very entertaining battle, entitled “Deconstructing Personal Debt” on TVO’s show “Agenda”.

The show seemed to pit Gail and Moshe Milevski against Phillip Cross of the C.D. Howe Institute and Derrick Burleton a VP at TD (apologies on the spellings) (from this point on, they will be known as “the suits”).

Gail did a great deal of the battling, where the “suits” kept arguing Marcoeconomic macroeconomic policies and how statistics don’t agree that Canadians are drowning in debt, but Gail continued to hammer her point of view with her personal experiences (which was contrary to the “suits” point of view).

Lots of interesting discussions and Gail even fires out an “… oh bite me!” comment (and the moderator made some comment about how Gail didn’t drop an “F-bomb” this time), well worth watching.

If you are a resident of Ontario, think about donating to TVO as well, to keep this kind of interesting programming going.

In case you were wondering about Saint George and the Dragon, click on this picture (does look a little like Gail).

Saint George Slaying the Dragon

Video: TVO Agenda with GVO is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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Over the years I have learned a great deal about the importance of knowing the rules in life (not all the rules, and I am by no definition an expert). What kind of rules? Mostly rules in systems that directly affect me, like my health insurance(s), dental insurance, rules for banking, etc., etc.,.

The first time, was figuring out that my Health Insurance with my employer (at the time) would actually pay for private testing for my children (to determine whether they were gifted and/or if they had learning disabilities). What looked to be a very expensive bill (well over $1500 at the time), ended up only costing me around $100 or so. I must admit that I did not actually figure this out, the Psychologist we were dealing with already knew “how the game was played” and simply let my wife and I in on the rules.

Knowing the rules of the game, is the single most important thing to learn, no matter what game you are playing. Michael James is also known as Mr. Rules, but it has served him well in his life (being a Mathematician it seems to come to him naturally), and knowing the rules will help you make sure you are compensated by “the system” (even when you think it is just not going to happen).

No, I am not espousing going out and finding a Shyster Lawyer to try to skirt the tax laws (good God, I am not saying that, and anyone who is thinking that I will personally spank with a cricket mallet),  but I am saying you should find out how the rules to all benefits packages work and how you can take advantage of them.

What kind of things am I talking about? Here are some simple examples to go with my testing example:

• If your benefits cover glasses, find out how often and when the time frame deadlines are. One year I ended up buying two sets of glasses in two months, because they straddled two different time frames (at the time I was compensated for one set of glasses every two years). Line this up correctly and you get two sets of glasses covered in less than a month.
• There are thousands of bursaries and programs for University and College students, that aren’t given out some years, because no one applies (sometimes it is because there are no actual candidates, but sometimes it is due to candidates not applying). My daughters basketball club gives out a bursary at the end of the year for graduating players, more than one year no one applied for it (guess they didn’t want free money).
• My daughter’s have learning disabilities (which I got tested for cheap) however because of these learning disabilities they also received bursaries from OSAP and their schools (and dispensations for writing exams as well), however, we didn’t really think about this until we looked and saw what is available to folks with learning disabilities.

Some simple Rules to Live By

Know the rules, understand the rules and if you can use them to your advantage (in a legal and above-board way) then do so (don’t be shady, ask first if you are unsure, it may be that no one has tried before, the worst thing they can say is, “no”).

Take Advantage of the Rules When You Can is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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Canada continues to add jobs, but also seems to be adding more folks looking for jobs as well in April according to Stats Canada. Another month where Canada has added more jobs (Full-time jobs, which is great), however, thanks to more folks out there looking unemployment is up as well.

Employment increased by 58,000 in April, mostly in full-time work. This was the second consecutive month of notable gains after four months of little change. With more people searching for work, the unemployment rate increased by 0.1 percentage points to 7.3%.

Compared with 12 months earlier, employment was up 1.2% or 214,000. All of the growth over the 12 months was in full-time work, up 217,000 (+1.6%), while part-time employment was unchanged. The total number of hours worked rose 1.5% over the same period.

These are very promising good news information for Canadians (for those who claim I am a doom and gloom kind of guy).

Employment As of April 2011

This graph makes me happier, let us hope that the good numbers continue for the Economy.

Here is the confusing group, that shows that unemployment is going up, even with more folks being employed:

Unemployment for the past little while in Canada

Kind of slowly rolling down, but kind of worrying none the less.

An interesting comparison with our friends down south was also brought forward:

The number of employed as a percentage of the working-age population in Canada, that is the employment rate—when adjusted to U.S. concepts—was markedly lower than that of the United States from the early 1990s until 2002. Since 2002, the adjusted employment rate in Canada has been higher, with the gap between the two countries widening since late 2006.

Better employment numbers in Canada? Good thing to hear.

The Big Table

Stats Canada also has lots more data with their monthly numbers and I like to include at least one of their tables:

Table 1 Labour force characteristics by age and sex - Seasonally adjusted

More Working and Higher Unemployment in April (2012) is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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To all my Matriarchal Readers and Mothers everywhere, Happy Mother’s Day! Hope you are enjoying your day, and if you are a Father, remember the argument “You are not my Mother”, is a dangerous game to play (speaking as someone who foolishly made that statement one Mother’s Day).

As a Montrealer (who lives in Ottawa), I was appalled to see the Metro under attack (OK, with smoke bombs) and shutting down the system for 3 hours. I have no idea who is behind this, and who(m)ever is, I hope the book is thrown at them, but it remains to be seen who will claim responsibility.

This past week I ranted a fair amount about identity theft and such (having had my wife’s bank card cloned (again)), but my Twitter Feed had a bunch of older posts in some other interesting themes as well:

• My humorous post about Old Bar B Q’s and Flames, points out that you should either maintain your old Bar B Q or replace it when it looks dead (or you might have some big problems).
• More Fun with Credit Cards, where I suggest an old trick (my brother told me about from his MBA class).
• Remember that as a Pure Laine Quebecois (ok tete carre aussi) I can invoke C’est la faut du Federal at any time,  it will be true.
• It’s not very nice to ask, however, are Canadians Financially Stupid? Actually most bloggers seem to think it is true?
• I didn’t post this one, but it’s something someone should read A Mind of My Own, by our friend Gail Vaz-Oxlade.

Happy Mother's Day

Happy Mother’s Day, Smokey Metros and Sunday’s Best is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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I seemed fixated on credit cards and modes of payments this week, but with the RCMP shutting down a large (worldwide) credit card and debit card fraud ring, I guess I was spot on target for topics (I’ll have to thank Mrs. C8j for having her debit card cloned again).

In Quebec, students continue to complain that they have the lowest tuition fees in Canada, and in fact are now asking that Post Secondary Education be free and available to all who wish to attend. Why does that sentence seem like something out of Alice in Wonderland? I wish Les Etudiant et Membres de CLASSE bonne chance, because they are going to need it (and let’s hope it is not them who are disrupting the Metro in Montreal, enraging already uptight Montreal commuters is not the way to build public support).

Our European friends continue to make daytime soap operas seem dull, with more plot twists than a thoroughbred horse intestines! France elects a new president who says “retirement should be at 61 not 63″ and Greece elects representatives who want nothing to do with the on-going austerity measures. This will give the financial pundits no end of fun and excitement, discussing the impending Global Economic Implosion.

In the U.S. Obama may have come across a stroke of genius in his re-election campaign, which is the infamous “bait and switch” topic trick. He has now openly spoken about Same Sex Marriages, which will cause a fire-storm of discussions, which may distract folks from the still ailing U.S. Economy. This tactic could win him the election (or lose it, depending on your point of view), the Republicans may have to respond with, “It’s about the Economy Stupid!”, because a moral discussion about same-sex marriage will dull the Republican arguments about the economy (or at least muddy the waters greatly).

Weekly Recap

The topic of money security and identity theft is never a bad topic, but remember you must continue to remain diligent to protect yourself from these syndicates that want your personal info:

• Our friends in Europe seem to think they are not the problem, so they don’t need to fix it, and have Answered Austerity Measures with Tais-Toi (effectively saying they don’t want an austere lifestyle).
• As I mentioned Mrs. C8j had her bank card cloned (again), and so Debit Card The Saga continued on, it’s annoying as hell, but at least this time we didn’t have any money taken out of our bank accounts.
• I really want to figure out how to stop these Credit Card Cheques from appearing on my doorstep, they are of no use and are financially a Molotov cocktail!
• After the close of another basketball season, I went back to one of my favorite rants with I Blame the Refs (financially speaking).

Links for the Week

Ain’t life grand? No I didn’t win $50M with the Lottery, so it ain’t grand yet, but maybe tonight, wonder what I’d write about if that happened? We know that my favorite writers would keep writing and pump out more quality posts like these:

• Larry MacDonald points out that the Canadian Health Care System Needs Reform, which is pretty obvious, and as the years pass, the more obvious this is all going to be. If you are a francophone Larry’s book on Bombardier is now available in French.
• My Own Advisor explains about his struggles with GDSR and TDSR, a good try at explaining what these fees are, getting down to brass tacks is a good thing.
• Rob Carrick hopes Canada’s Days of Berserk Borrowing are (almost) Behind Us, we shall see whether his prediction will come to pass, but following Polonius is not a bad idea.
• Ellen Roseman is looking for Your Tips on How to Fight Back, I would suggest hiding your money in your mattress to avoid bank service fees, but that might not be a good tip.
• Mr. Money Mustache showing his U.S. roots wonders Can We all Stop F*cking Complaining About our Government? Strong words, but a fun read none the less, it seems our American cousins like to complain about Government as much as Canadians like complaining about the weather.
• Timeless Finance gets down and talks of Bubble Double Speak, talking about how the government may be the author of a lot of the mortgage and bubble mess in Canada. Worth reading whether you agree or not.
• The Blunt Bean Counter wonders is A Family Vacation - A Memory Worth Not Dying For? No, it’s not about overspending on vacations, it is about inheritances and gifts, if you haven’t added this writer to your RSS feed you are missing something (even if he is a Leafs fan).
• Michael James gets out his slide rule again and points out that Long-term investing Confuses our Sense of Scale, which shows that simple arithmetic is not applicable in long-term growth problems.
• Canadian Capitalist wonders what is iShares Planning after Acquiring Claymore, a question I am asking myself, given I have some Claymore funds in my portfolio.
• The Canadian Couch Potato wonders Can you Protect Your Investments from Drawdowns? The answer is of course, maybe!
• Boomer of Boomer and Echo  helps us out with Turning 60: Some Things to Consider, given I am 9 years away, I read this closely.
• Miranda at Planting Money Seeds, needed to replace her Quicken 2006 so she gives us Personal Finance Software: Moneydance, being a Quicken lover, I am not as likely to try this software, however, still worth reading.
• Gail Vaz-Oxlade helps us kids out with Mother’s Day Savings ideas, always useful for those of us who must buy things for their Wives/Mothers.
• Preet gives us an interesting point of view on smoking but I think he got the title a little wrong with Quit Smoking or Blow up a Porsche? It really should have been Quit Smoking or Blow up a Porsche (with you in it!).

Other Bookkeeping

Preet's Explodable Porsche

Remember my RSS feed is available too, for those who enjoy reading without looking at my crappy page lay out, and I have added an RSS Comment Feed as well.

Have a look at my micro-blog on Twitter, where you can see a whole plethora of good articles and pithy comments by me as well. Twitter feed where I re-tweet many great articles by some of my featured writers (and make the occasional odd or off colour commentary on life (in 140 characters or less)). I am also on Digg as Big Cajun Man, on reddit, Tumblr, Pinterest and other Social Media sites (look for the BigCajunMan userid) as well.

If you have social media accounts, don’t forget to vote for my posts (see the nifty dashboard on the bottom of each article, where you can cast your votes). As they say in Quebec, vote early and vote often!

This site is iPhone Friendly (and Android , iPod Touch and iPad Friendly), enjoy it on the go, in a readable format for the device. If you are reading with an iPhone or Android device, drop me a comment and tell me if this needs any improvements. This site is also in the Kindle US Blog list, if you are interested, not available in Canada yet (because no Blogs are available in Canada on a Kindle?!?).

Some Comforting Porsche Words

Keeping with Preet’s Porsche theme:

I couldn’t find the sports car of my dreams, so I built it myself.

Ferdinand Porsche - what would he do now with all the investing options? Would he make his own Mutual Fund?!?

Credit Cards, Cheques, and Random Thoughts is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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Previously I have talked about needing someone to blame with C’est La Faute du Federal, but after my current basketball season, I suspect that the real Villains in life are the officials (financially speaking, let’s blame the banks and the people who work there).

I must admit that as a parent, I have spent a fair amount of time “jawing” at the refs and various officials in many sports, and as an assistant coach, I have pestered my fair share of officials too, but at the end of it all, the referees and officials in this life don’t change much (on occasion there are glaring mistakes, but they are very few and very far between).

{Caution off topic rant ahead} Let me first say, that if you are someone who goes to their children’s sporting events, and yells like a crazed mocking-bird at referees, officials, opposing players and coaches and maybe even the janitors at the building, SHAME ON YOU! You have some serious issues living vicariously through your kids and all you are doing is embarrassing  yourself, but more importantly you are embarrassing or alienating your own child (at worst you are teaching them your bad attitude). {Off topic rant completed}

Blind Refs?

I guess the point I am trying to make is that yes the banks and their:

• Service charges that suck the life out of you.
• Mortgage rates that pull the marrow out of your bones
• Credit Cards that are more poisonous (financially) than hemlock
• etc., etc.,

are really not to blame, we are. Am I back saying Canadians are Financially Stupid? Not in this post (but we can talk more about that later).

The financial problems most Canadians have (and I am saying most to be polite, I actually mean pretty much all of us), are of our own making, so we should stop complaining about the Referees (or the Banks in this case (unless you are a financial blogger, since that is our bread and butter)) and deal with the situation we are in.

Everyone else is dealing with the same Officials (mostly), so move on and play through it (or “suck it up buttercup” to quote a few of the coaches I know).

I Blame the Refs! is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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I thought it was going to be illegal to send me “Credit Card Cheques” (unsolicited) in the mail, yet every month I get at least 1 more set of “Credit Card Cheques” from one of my credit cards, what gives?

To be honest, I cannot find anything that states that is the case, so I guess I am going to continue to receive these “financial land mines” in the mail (maybe this is a good reason to go with E-statements, at least I can’t get these horrible little financial poison pills).

The regulations brought in 2010 are clear about other practices though:

• Mandate an effective minimum 21-day, interest-free grace period on all new credit card purchases when a customer pays the outstanding balance in full.
• Lower interest costs by mandating allocations of payment in favour of the consumer. For example, any payment made in excess of the required minimum must either be allocated to the balance with the highest interest rate first or distributed proportionally to each type of balance (cash advances, purchases, etc).
• Provide information on the cardholder’s monthly statement on the time it would take to fully repay the balance, if only the minimum payment is made every month. For example, a balance of $1,000 on a credit card that charges 18 per cent could take more than 10 years to pay off.
• Mandate advance disclosure of interest rate increases prior to their taking effect, even if this information had been included in the credit contract.

Along with older regulations:

• Providing a summary box on credit contracts and application forms that sets out key features, such as interest rates and fees.
• Requiring express consent for credit limit increases.
• Limiting debt collection practices used by financial institutions.

One regulation I would love to see added is the outlaw of sending unsolicited “Credit Card Cheques” for my accounts, I don’t want them, I don’t need them and I shred them when I get them! A nice box on a web page saying, “DON’T DO THAT!” would be nice too.

Credit Card Cheques, What Gives? is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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About 4 years ago my wife’s bank card was fraudulently duplicated and used (to withdraw a significant amount of money from a non-branded “white” banking machine), and back then I wrote a post humbly apologizing to TD Bank (aptly named: TD Bank I Apologize)  saying, that while I dislike their service fees and many of their investment systems annoy me, I must say that their response to that fraud was very good.

Yesterday, we saw that the bank security system is getting even better at detecting frauds, but that fraud is also still going on (even with the new chip technologies, which were supposed to stop this happening).

My wife and I were out shopping and as we checked out at Sobeys my wife attempted to pay for our groceries with her TD Bank card, she tried twice and got the message “Transaction Denied“, which was very disconcerting (since this is how things started 4 years ago), so I tried my card and it worked just fine (which meant we could also eat!). We rushed home to check out our on-line banking, but no transactions appeared that suggested any problems (and we were not over drafted, which was my other concern), so my wife decided to call the TD Help line.

The first thing that suggested something was very wrong was when my wife typed in her card number on the phone, the system took her directly to an Operator stating, “You must talk to a representative immediately“.

After a long conversation where my wife was asked about various transactions that had gone on with her card, she was told that her card had been “frozen” because of a suspicious transaction in New York State (where neither my wife nor I have been to in the past little while).  Since no transaction even showed up (so far) on the on-line banking, I am impressed by the alacrity of TD in dealing with this fraud, however, I am now very concerned about my own cards.

As you know I replaced my TD Card because it was cracked (no not stolen, physically damaged) and inadvertently secured things a bit more (since I got a new card with a new number and such), however there was a story last week that in my area of Ottawa there have been hundreds of folks who have had their bank cards cracked and had moneys stolen from their bank accounts, so I believe I may be going and getting a new debit card myself.

Question of the day: Have you had your credit card or bank card defrauded in the past little while?

Bank Card Security (the saga continues) is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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After a refreshing day off, I return to see that both Greece and France have effectively turned their backs on Austerity measures, by voting in folks who are opposed to all this “save the world’s economy by not spending like a drunken sailor on furlough…” (OK that is my interpretation).

Can we blame them? Would you vote for a party that is saying, “Vote for us and your services will be cut, and you will pay more taxes (and possibly you will lose your job and your pensions will be cut)..”? I must admit it would take someone with a very strong “financial moral compass” to vote that way, and I guess our European cousins don’t feel that way right now.

What will happen now? Lots more fun and excitement on the markets in the short term, that is for sure, but saying you will ignore stern economic measures and actually doing it is another story (just ask Bob Rae what happened to him when he got elected Premier of Ontario).

Make sure you have the “financial safety bar” tightly fastened because this financial roller coaster is about to get a lot more interesting!

Europe to Austerity Measures: Tais-toi! is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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A week where you had better have sent in your taxe, or you will be paying some penalties. If you don’t owe money you have until June 15th, but if they owe you money, why don’t you want it right now?

Apologies for the franglais in the title a butchered attempt to use both official languages in Canada (I should misspell taxes to show my inability to write in English as well).  My French training continues on, I am astounded at my inabilities to comprehend both English and French, but c’est la vie!

A year of the “Harper Conservative Government” (I believe that is a copyright’ed phrase), oh boy! I mentioned this to my friends here in Ottawa who are Civil Servants and they grumble, so then I ask, “why did we elect so many Tories in Ottawa last year ?”(John Baird, Pierre Poillievre, etc., etc.,). Seems to stop the conversation quickly.

Many interesting stories in Canada this week with Conrad Black possibly returning, more F-35 stories and of course the heart-rending video of a mother duck and her ducklings crossing the 401, possibly the most important video you will see this year (I can’t find it anywhere, but it was good to see the little group made it across the highway).

Weekly Recap

I had some fun this week with a couple of topics, which I enjoyed writing about, but a quieter week for my writings, even though the markets look like they are lining up to have another roller coaster ride this summer!

• Financial Joy Buzzers and Sunday’s Best is a rehash of some of my older posts that have appeared on Twitter.
• Some very sage advice from BroTips, If you Bought It Why Are You Complaining, which points out that you don’t get to complain if you went out and bought something (complain about how much you spent, specifically).
• In Canada if you haven’t filed yet Taxes: You are Now Officially Late, with some of the ramifications of your decision.
• Turbotax sent me a lot of interesting data on Procrastinating Canadian Taxpayers, glad to see Toronto can win at something!
• I went a little odd with TV Show: Financial Squeegee Scam, not sure where my mind was at the time, but still an interesting concept.

Links for the Week

With tax week coming and going, the topic seemed to hang there like the proverbial 800 lb gorilla, but nobody much talked about it:

• Our Financial Kin at My Own Advisor explains Why He and His Want a $10,000 Emergency Fund, I want one to, can you pick one up while your out getting yours? They are next to the Tampons at Wal-Mart (I have heard).
• Rob Carrick talks about the “B Word” and the housing markets with Ready to be Bold? Tell the House and Rent, he talked about that when we had dinner, it is an intriguing idea, but I’d have to spend a lot of money to get my house “sale ready”, so I think  I’ll pass this time.
• Ellen Roseman points out that in Ontario there are many People freezing and sweating in newly built homes, hopefully not at the same time!
• Mr. Money Mustache writes a touching piece about how hard it is to be Rich in Toronto with The Cost of Living is Too High, Waah, Waah… it ain’t easy bein’ rich!
• Timeless Finance might be reading Mr. Carrick’s column because they write about Move Your Life for Under $2.50 per click (sic), I think they meant Klick (as in KM, but maybe I am wrong).  I used to move myself, then I realized I lost more friends that way and simply hired movers.
• The Blunt Bean Counter points out it is not easy to pump out quality posts every day (you can tell that just from my hack-kneed scribblings), but expands on that with Duck Quackers and Binge Writing.
• Michael James points out that Investing is Simple: Until you try to Outperform, which is true, if you are willing to wait, you’ll be fine, if you want to get ahead of the Jones’ you might end up behind them (in the end).
• Canadian Capitalist gives us a run down on RBC Direct Investing Simplifying  Their Admin Fees, always figure out how much you are paying to invest, you shouldn’t be paying an arm and a leg (or a kidney) to invest.
• The Canadian Couch Potato tilts at another Financial Windmill with Risk and Uncertainty in Stock Investing, as he reviews an interesting book, with some ideas about whether Risk and Volatility in Stock Markets are actually connected.
• Echo of Boomer and Echo gives us Their Fast Track to Financial Freedom, I think it rained on my track, I may be a Financial Mudder.
• Miranda at Planting Money Seeds, wonders if On Line Poker: Is it as legit as stock picking? I can assure you that I am not successful in either case.
• Gail Vaz-Oxlade wonders What Makes a Good Parent, interesting point of view on this.
• Preet is branching out with his media empire and is giving us a new podcast to subscribe to (I already have) with Mostly Money, Mostly Canadian, note it is NSFW, so don’t play it at your desk, Preet uses rude words like Money, and Poo-Poo. I may make an appearance some day, if I beg Preet enough.

Other Bookkeeping

Coluche, l'auteur de notre phrase pour la semaine

Remember my RSS feed is available too, for those who enjoy reading without looking at my crappy page lay out, and I have added an RSS Comment Feed as well.

Have a look at my micro-blog on Twitter, where you can see a whole plethora of good articles and pithy comments by me as well. Twitter feed where I re-tweet many great articles by some of my featured writers (and make the occasional odd or off colour commentary on life (in 140 characters or less)). I am also on Digg as Big Cajun Man, on reddit, Tumblr, Pinterest and other Social Media sites (look for the BigCajunMan userid) as well.

If you have social media accounts, don’t forget to vote for my posts (see the nifty dashboard on the bottom of each article, where you can cast your votes). As they say in Quebec, vote early and vote often!

This site is iPhone Friendly (and Android , iPod Touch and iPad Friendly), enjoy it on the go, in a readable format for the device. If you are reading with an iPhone or Android device, drop me a comment and tell me if this needs any improvements. This site is also in the Kindle US Blog list, if you are interested, not available in Canada yet (because no Blogs are available in Canada on a Kindle?!?).

A French Quote about the Rich

“Dieu a partagé : il a donné la nourriture aux riches et l’appétit aux pauvres”

- Coluche - a very apt quote for this blog (and for the 1% crowd as well).

Taxes, Les Impôts and Les Pensés Random is a post from: Canadian Personal Finance Blog and follow me on twitter as well: Big Cajun Man, daily updates from all over the Blogosphere. Subscribe to my comments feed as well!

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