4 Commonly Asked Questions Regarding Life Insurance for Smokers


Life insurance can be an expensive undertaking, but as most know, it’s even more expensive for those with high-risk habits such as smoking or chewing tobacco, as well as the use of nicotine patches—yes, the patch counts! Different life insurance agencies have different standards for what they will insure and for what price they will insure a smoker at, so the below questions and answers should be viewed only as a general guideline. To obtain the most accurate information, be sure to quiz your potential insurer, or consult with an insurance specialist. As always, honesty is always the best policy…

Why Yard Sales are Sustainable


Have you ever been to a yard sale? They used to be quite popular 15 or so years ago, but since the Internet has stormed our households, suddenly yard sales aren’t as useful. After all, instead of spending 30 minutes making ourselves look presentable enough to go outside and peruse that sale, we could be sitting in front of our computer and finding a great deal with our pajamas on. While you can find some deals online, I still believe in the art of finding deals at your local yard sale. Let’s think about our online purchases for a moment.…

The Illusion of Frugality


Let's start with a stock market analogy. I promise, it'll be more entertaining than you think. I am a somewhat odd investor. While most investors focus on big and well established companies, I tend to look at small companies that don't even show up on anybody's radar. There are a few reasons why I invest this way, but we're only going to focus on one. Small companies have the potential to beat the returns of the S&P 500 or the TSX handily. They also have the potential to blow up, but they don't do it as often as you'd think.…

Will the World End if You Aren’t Frugal?


I am not a frugal person. Even when I had to pinch pennies while my husband and I were in grad school, I hated being frugal. Now that I don't have to worry as much about being frugal, I...don't worry about being frugal. And the world hasn't ended. While there's nothing wrong with being frugal if that's your preference, I don't think the world will end if you aren't frugal. Getting the Best Value This doesn't mean that I just spend on whatever I please, without paying attention to value. My husband and I are big on getting the best…

Overview: Socially Responsible Investing


When it comes to making financial decisions, many of us like to feel as though we are doing the right thing. This includes deciding where our investing dollars should go. One of the ways that many of us direct our investments is through green investing. While green investing can be one way for you to invest according to your values and priorities, it's not the only way to get involved in socially responsible investing. What is Socially Responsible Investing? The idea behind socially responsible investing (SRI) is that your investing aligns with your morals. So, you invest in companies, funds,…

Self-sustainability and pro-active protection


Sometimes you need to spend a little to save a lot. When it comes to achieving financial stability and a sustainable lifestyle, having a steady cash flow is important. You're looking to support yourself, after all, so this should always be a priority. So where does this protection come into it? When you're running a business, there are plenty of large, expensive risks that could happen. By using a liability insurance company you can protect yourself from this greater risk.. Pro-active protection Although it’s not guaranteed that you'd face such costs in your business, there's always an ever present risk. This…