tag:blogger.com,1999:blog-36300294Thu, 15 Dec 2011 03:03:05 +0000The goal of this blog is to inspire discussion that will make us all better off financially.http://gettingrichtogether.blogspot.com/noreply@blogger.com (Jeadie5)Blogger33125tag:blogger.com,1999:blog-36300294.post-6671901069626279810Wed, 10 Dec 2008 01:25:00 +00002008-12-09T20:40:05.303-05:00I posted a way back when about the best and worst financial moves of my life. Well, in the last year I entered into one which is now the new best.Back in March/April of this year I really started to feel like the economy was on shaky ground and I really didn't think that interest rates were going up much for the foreseeable future. As a result I started shopping around for a new variable rate http://feedproxy.google.com/~r/GettingRichTogether/~3/DefOYGwHCm8/my-new-best-financial-decision.htmlnoreply@blogger.com (Jeadie5)8http://gettingrichtogether.blogspot.com/2008/12/my-new-best-financial-decision.htmltag:blogger.com,1999:blog-36300294.post-3092065877692703849Wed, 26 Nov 2008 16:00:00 +00002008-11-26T11:10:52.196-05:00I just watched a great video on youtube outlining the market predictions made by Peter Schiff over the last two years. You can watch it here:http://www.youtube.com/watch?v=2I0QN-FYkpwIn this video Peter consistently makes great predictions about the future of the economy while analyst after analyst tells everybody that everything is great and will only get better. My favourite part is when http://feedproxy.google.com/~r/GettingRichTogether/~3/BOtE_H0NYyA/herd-mentality.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2008/11/herd-mentality.htmltag:blogger.com,1999:blog-36300294.post-3506171869466406060Thu, 15 May 2008 18:23:00 +00002008-05-15T14:32:12.600-04:00Its that time of year again where the major banks start to beg for your business. The past couple years, TD has offered an Ipod for you to switch over your banking. CIBC has offered $100. Last year RBC offered a $150 gift card if you switch your banking over to them.This year RBC is offering the most valuable promotion to date. They are offering a free laptop to those who switch ($300 value). Buthttp://feedproxy.google.com/~r/GettingRichTogether/~3/cIMnLNbfwJo/rbcs-laptop-promotion.htmlnoreply@blogger.com (Jeadie5)2http://gettingrichtogether.blogspot.com/2008/05/rbcs-laptop-promotion.htmltag:blogger.com,1999:blog-36300294.post-3916823726251681759Wed, 07 May 2008 14:17:00 +00002008-05-08T09:34:03.092-04:00Your trash can be another's treasure; this is the idea behind Craigslist.com and Kijiji.com. I knew this to be true for your lightly used items, but I recently learned that this may be possible for items that you might otherwise have been planning on throwing out.A few months ago my stove died. Thanks to the extended warranty that the previous owner of my house had bought, I was eligible for a http://feedproxy.google.com/~r/GettingRichTogether/~3/WsUYUjJWYSY/selling-your-garbage-and-cleaning-your.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2008/05/selling-your-garbage-and-cleaning-your.htmltag:blogger.com,1999:blog-36300294.post-6901556727188235215Sat, 03 May 2008 04:19:00 +00002008-05-06T11:01:01.738-04:00As I stated in my last post, we recently purchased a new car. In the process of researching for this purchase I realized that I had numerous resources at my disposal that would save me a considerable amount of money relative to MSRP. Here they are in order of accessibility to the average person.1) Negotiate, Negotiate, NegotiateThe worst thing that you can be when buying a car is what car dealershttp://feedproxy.google.com/~r/GettingRichTogether/~3/lt09PNA_dp0/my-new-car-buying-tips.htmlnoreply@blogger.com (Jeadie5)1http://gettingrichtogether.blogspot.com/2008/05/my-new-car-buying-tips.htmltag:blogger.com,1999:blog-36300294.post-2394009716777536666Sat, 03 May 2008 03:40:00 +00002008-05-03T12:38:47.433-04:00My wife recently go a new job closer to home and as a result will not be commuting to work on the train anymore. Off to the car dealership to buy a car. In the process of shopping for a car, I came to the realization that some of the benefits of public transit arnt all they are made out to be. Transit is made out to be a cheaper, more convenient alternative to driving. Lets compare.The biggest http://feedproxy.google.com/~r/GettingRichTogether/~3/uRd4DpZC8Lg/case-against-public-transit.htmlnoreply@blogger.com (Jeadie5)4http://gettingrichtogether.blogspot.com/2008/05/case-against-public-transit.htmltag:blogger.com,1999:blog-36300294.post-3990330833355840672Sat, 03 May 2008 03:29:00 +00002008-05-02T23:33:29.215-04:00Ok, its been about 13 months since my last post so what better time than now to come back. Since my last post, a great deal has happened in my life. Ive got married, my wife is starting a new job, and Ive been promoted. All of this will give me plenty of ammunition for future posts.Im going to try and keep to the pace of two posts per week, hopefully I can maintain that over the long term.http://feedproxy.google.com/~r/GettingRichTogether/~3/yhc3B1qdd2k/im-back.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2008/05/im-back.htmltag:blogger.com,1999:blog-36300294.post-6286788599176283458Wed, 04 Apr 2007 03:13:00 +00002007-04-18T23:36:10.703-04:00That's right folks, Canadians will soon be able to lend money to other Canadians via an online person-to-person lending site. For a little over a year, Prosper.com has been enabling Americans to lend money to other Americans at rates that are much better than your typical GIC or bond, all the while supplying the borrower with money at rates far below that of your typical credit card. http://feedproxy.google.com/~r/GettingRichTogether/~3/2V6juQxwRoo/p2p-lending-in-canada-it-is-finally.htmlnoreply@blogger.com (Jeadie5)4http://gettingrichtogether.blogspot.com/2007/04/p2p-lending-in-canada-it-is-finally.htmltag:blogger.com,1999:blog-36300294.post-3378635735444953997Mon, 19 Mar 2007 15:23:00 +00002007-03-19T12:00:54.768-04:00This past weekend everywhere I looked I was being told about what to expect from today's budget. At the top of the list was the Conservative Government's attempt to fix the current fiscal imbalance. As a resident of Ontario I have been hearing for years about the fiscal imbalance. If you live in Ontario you pay more in federal tax than the federal government pays back to the province of http://feedproxy.google.com/~r/GettingRichTogether/~3/J0QVK3ACkDc/why-im-in-favour-of-fixing-fiscal.htmlnoreply@blogger.com (Jeadie5)6http://gettingrichtogether.blogspot.com/2007/03/why-im-in-favour-of-fixing-fiscal.htmltag:blogger.com,1999:blog-36300294.post-569930090059407184Thu, 15 Mar 2007 21:31:00 +00002007-03-18T17:51:08.994-04:00For the last year and a half I have been exclusively using my Capital One credit card. At 6.9% I just couldn't pass up the interest rate. Now that I'm settled into my first house Ive realized that despite every surprise or hiccup along the way, I always pay off my balance. Therefore it doesnt matter what my interest rate is, Im never paying it. So off I went to look for the best no-fee credit http://feedproxy.google.com/~r/GettingRichTogether/~3/j1NdOcLx4uQ/my-new-favorite-credit-card.htmlnoreply@blogger.com (Jeadie5)6http://gettingrichtogether.blogspot.com/2007/03/my-new-favorite-credit-card.htmltag:blogger.com,1999:blog-36300294.post-3202180707879137401Thu, 15 Mar 2007 18:11:00 +00002008-12-11T08:57:18.985-05:00Last August when my fiance and I moved into our first house we compiled a list of things we wanted to do to our new home. The first was to get rid of the old flooring upstairs. The second was painting. Somewhere between projects one and two we realized that we were going to have to replace our closet doors.The previous owners of our house loved wallpaper, not that there is anything wrong with http://feedproxy.google.com/~r/GettingRichTogether/~3/rwqX4s8P8eU/do-it-yourself-project-1-closet-doors.htmlnoreply@blogger.com (Jeadie5)1http://gettingrichtogether.blogspot.com/2007/03/do-it-yourself-project-1-closet-doors.htmltag:blogger.com,1999:blog-36300294.post-4280424303663959385Sat, 17 Feb 2007 01:30:00 +00002007-02-28T21:58:20.960-05:00At the end of April I will be travelling to Las Vegas for a stag. As the best man Im responsible for planning this event. Ive scoured the internet for the best deal and here is what Ive found:Flight-Direct from Toronto on Westjet: $465 (CAD) including all taxes.Hotel-Bally's $430 USD.Total Price about $735 CAD/person (based on 2 to a room).Price today on Itravel2000.com = $1040Booking this trip http://feedproxy.google.com/~r/GettingRichTogether/~3/OBLLm4NwCxM/saving-on-travel.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2007/02/saving-on-travel.htmltag:blogger.com,1999:blog-36300294.post-3616701094468886577Mon, 29 Jan 2007 02:00:00 +00002007-01-28T21:52:50.453-05:00A few weeks ago, while looking for online video of NBC's "The Office", I stumbled upon two websites that have transformed my free time and may in the future transform my finances.peekvid.com and Alluc.org both offer massive amounts of media content. Television programming makes up the majority of their content (both have every episode of 24) but their movie content is also great.Unlike the days http://feedproxy.google.com/~r/GettingRichTogether/~3/SKsHz27DkQg/use-internet-to-save-on-cable-movie.htmlnoreply@blogger.com (Jeadie5)2http://gettingrichtogether.blogspot.com/2007/01/use-internet-to-save-on-cable-movie.htmltag:blogger.com,1999:blog-36300294.post-8592082107448208839Fri, 26 Jan 2007 01:33:00 +00002007-01-25T20:56:10.325-05:00For the past couple weeks I have had a leak in my basement. I figured it was due to insufficient slope at the side of my house. Being as it was cold and topsoil was hard to come by this time of year, I put it off until the spring.This week I discovered that I in fact had a leak in one of my pipes. It was dripping directly into my insulation and appeared to be coming from outside. The leak http://feedproxy.google.com/~r/GettingRichTogether/~3/af2yWXraTMU/when-spending-more-means-spending-less.htmlnoreply@blogger.com (Jeadie5)1http://gettingrichtogether.blogspot.com/2007/01/when-spending-more-means-spending-less.htmltag:blogger.com,1999:blog-36300294.post-1796544741788921572Tue, 16 Jan 2007 02:58:00 +00002007-01-16T22:50:29.985-05:00Ive been tagged by Canadian Dream. As a result Ive got to tell everybody 5 things they don't know about me or else I'll have bad luck, or never get laid or however those forwards go....1)Before working in Finance, Ive had a job cleaning surgical equipment post-op.2)I'll be getting married this fall in Cuba.3)I'm currently pursuing my CMA.4)I was arrested at 16 in Harrah's Tahoe for gambling underhttp://feedproxy.google.com/~r/GettingRichTogether/~3/qe3Lo18UoYs/tagged-5-things-you-dont-know-about-me.htmlnoreply@blogger.com (Jeadie5)2http://gettingrichtogether.blogspot.com/2007/01/tagged-5-things-you-dont-know-about-me.htmltag:blogger.com,1999:blog-36300294.post-1400481648253848307Sat, 13 Jan 2007 23:17:00 +00002007-01-15T16:33:17.959-05:00Absolutely.The following entry at Canadian Dream: http://canadian-dream-free-at-45.blogspot.com/2007/01/new-housing-increases.html alerted me to what is obviously a bubble in the Alberta housing market.The results of this report showing the New Housing Price Index, identified that prices in Calgary and Edmonton both experienced more 40% growth last year (4X anywhere else in Canada). It stands to http://feedproxy.google.com/~r/GettingRichTogether/~3/eJ8yPQCHdME/is-there-housing-bubble-in-alberta.htmlnoreply@blogger.com (Jeadie5)1http://gettingrichtogether.blogspot.com/2007/01/is-there-housing-bubble-in-alberta.htmltag:blogger.com,1999:blog-36300294.post-6434538673839669046Sat, 13 Jan 2007 19:57:00 +00002007-01-13T18:09:04.953-05:00At the end of October my cell phone plan expired. I viewed this as an opportunity to save some money and get a new phone. It really is amazing how quickly cell phone's depreciate. My previous phone was 2 years old and it is almost laughable by today's technology. So last week I entered into another contract that was a whole bunch better than my last.Here are the tips I can offer for entering intohttp://feedproxy.google.com/~r/GettingRichTogether/~3/q__X853odxg/my-latest-money-saving-venture-cell.htmlnoreply@blogger.com (Jeadie5)2http://gettingrichtogether.blogspot.com/2007/01/my-latest-money-saving-venture-cell.htmltag:blogger.com,1999:blog-36300294.post-6844711182460695451Tue, 26 Dec 2006 05:56:00 +00002006-12-26T01:28:05.374-05:00A friend of mine just bought a car, and was bragging to everyone how great the deal was. He talked about the dealer's sticker price vs what he actually paid. Knowing what I know today, I didn't have the heart to tell him he could have done better or at least smarter, especially around the holidays.Since I know he doesn't read this blog, I can tell you what I would have told him, without hurting http://feedproxy.google.com/~r/GettingRichTogether/~3/bXufyTySp3A/my-car-buying-advice.htmlnoreply@blogger.com (Jeadie5)5http://gettingrichtogether.blogspot.com/2006/12/my-car-buying-advice.htmltag:blogger.com,1999:blog-36300294.post-4689797629941016170Sun, 17 Dec 2006 23:57:00 +00002006-12-17T19:17:28.861-05:00I've recently been looking into getting into the landlord business. The more I read, the more I'm told that multiple income streams is the key to financial independence. This has led to to spend some time looking into investment properties.Here are the key things I'm looking for in an investment property:1) Property must carry itself. This is of course easier said that done, but given my http://feedproxy.google.com/~r/GettingRichTogether/~3/owzZcueJVTw/should-i-become-landlord.htmlnoreply@blogger.com (Jeadie5)8http://gettingrichtogether.blogspot.com/2006/12/should-i-become-landlord.htmltag:blogger.com,1999:blog-36300294.post-6636828483307395871Mon, 11 Dec 2006 13:15:00 +00002006-12-11T10:11:15.069-05:00JP Morgan Chase & Co. announced that they would be moving into Canada to offer credit cards. The Globe and Mail's story can be found here:LINKI would personally like to welcome JP Morgan Chase to Canada. Any added competition to Canada's financial landscape is long overdue. Reading other financing blogs I read about credit card offers that far exceeded anything I have ever seen in Canada. Much http://feedproxy.google.com/~r/GettingRichTogether/~3/ISmVzmU0gZk/little-more-competition-for-canadas.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2006/12/little-more-competition-for-canadas.htmltag:blogger.com,1999:blog-36300294.post-1625396179420365862Fri, 08 Dec 2006 00:38:00 +00002006-12-07T20:02:58.985-05:00My focus lately has been entirely on paying down debt. A big portion of my extra paycheck went there, and as of now, any raises or windfalls are earmarked for my student and car loans.Ive been wondering if I should be putting some money away now for my retirement. I will of course be repaying myself $20,000 over the next 15 years to pay back the loan I took as part of the new home buyers plan, http://feedproxy.google.com/~r/GettingRichTogether/~3/9fNR6kkH2no/is-my-money-going-to-right-places.htmlnoreply@blogger.com (Jeadie5)21http://gettingrichtogether.blogspot.com/2006/12/is-my-money-going-to-right-places.htmltag:blogger.com,1999:blog-36300294.post-5819442777269157301Mon, 04 Dec 2006 16:00:00 +00002006-12-04T11:27:00.004-05:00First off, I would like to thank www.CanadianCapitalist.com for his link today. I consider his blog the leader in Canadian PF Blogs, and hope I can emulate some of the great advice provided there.If you are like me and get paid every 2 weeks as opposed to twice a month, December may have been one of those "special" months with an extra payday. This month my fiance and I will both be getting paid http://feedproxy.google.com/~r/GettingRichTogether/~3/brhXeR0Nvlg/what-to-do-with-that-extra-paycheck.htmlnoreply@blogger.com (Jeadie5)4http://gettingrichtogether.blogspot.com/2006/12/what-to-do-with-that-extra-paycheck.htmltag:blogger.com,1999:blog-36300294.post-5673853255747174534Mon, 27 Nov 2006 23:47:00 +00002006-11-27T19:20:59.735-05:00Ok, here it is...the final post of the trilogy.In my experience with the government institutions that administer student loans in Canada, its very obvious that people are are being cost thousands of dollars as a result of this bureaucracy.Here are two examples that I have personally experienced that likely occur regularily:My first experience happened during the Christmas break of my third year. http://feedproxy.google.com/~r/GettingRichTogether/~3/-z2bhFwifwo/canada-student-loans-part-3-bureaucracy.htmlnoreply@blogger.com (Jeadie5)5http://gettingrichtogether.blogspot.com/2006/11/canada-student-loans-part-3-bureaucracy.htmltag:blogger.com,1999:blog-36300294.post-3870295301475755136Sat, 18 Nov 2006 18:09:00 +00002006-11-18T13:50:11.376-05:00A post this week about the value of one's time really got me thinking. Blueprint for Financial Prosperity wrote the following: http://www.bargaineering.com/articles/how-much-is-your-time-worth-myth.html.I couldn't agree more with this post. I thought I would approach this post from a different angle.Yesterday I was at Home Depot buying paint. I could not believe how busy the store was. I walkedhttp://feedproxy.google.com/~r/GettingRichTogether/~3/-SPoe2sATD8/how-much-is-your-time-worth.htmlnoreply@blogger.com (Jeadie5)3http://gettingrichtogether.blogspot.com/2006/11/how-much-is-your-time-worth.htmltag:blogger.com,1999:blog-36300294.post-5012896308218338646Thu, 16 Nov 2006 03:49:00 +00002006-11-15T23:04:19.458-05:00In my last post I talked about how asking for something hurt my credit. This post will be dedicated to two instances where I asked for something and it came out in my favour.When I moved into my new home this past summer, I had to make the calls to transfer my cable/phone/internet. After making the phonecall to Rogers to transfer the cable and internet at my old apartment. I decided to shop http://feedproxy.google.com/~r/GettingRichTogether/~3/srHlP9OT7os/when-asking-can-help.htmlnoreply@blogger.com (Jeadie5)0http://gettingrichtogether.blogspot.com/2006/11/when-asking-can-help.html