Practical Tips on Assessing a Company

We are bombarded with a plethora of information on how to asses and value companies. I wanted to chime in and actually talk about analyzing and valuing companies in the context of practicality. We have all read books on value investing and many of those books are the 101 foundations of how to approach markets … Continue reading Practical Tips on Assessing a Company →

Circle-K (Couche-Tard) is ripe for growth.

Generally speaking, I am against the idea of buying individual companies for early retirement oriented people. The volatility in the market and the time required to keep up with the changing winds is not desirable for the long-term investors. So with that disclaimer out of the way, I would like to talk about Circle-K - … Continue reading Circle-K (Couche-Tard) is ripe for growth. →

Retirement

So far in our journey we have discussed all of life milestones, in the context of Human Capital. Something that is not only different to how the "new" cult of financial independence and retire early movement thinks, but also very practical for those that like a model more customized to each individuals needs. We think … Continue reading Retirement →

Four Principles to Make Financial Decision

So as we conclude the financial decision series using Human Capital Value as your basis and Smoothed Consumption as a framework to make those decision, we discuss the four principles that can help you make deicision. People dont' usually make financial decision, they tend to fall into them. People sometimes think that the siociety either … Continue reading Four Principles to Make Financial Decision →

Before you Buy Insurance, Read this

Insurance is one of those requirements of life that don't make sense at all. You cannot objectively define whether the said insurance will come in handy or not. At the same time, not having insurance causes extreme anxiety as the legal ramifications of not having it could literally bankrupt you, overnight.

Taxes are worse than Debt, there is only one way to deal with it

If you have ever been audited, you would know the anxiety that it causes. Taxes are a serious pain in the behind and they are very time consuming. Interestingly, they are also very time consuming for the IRA and the CRA.

Kids & Marriage: Your Two Biggest Obstacles to Financial Independence, right?

According to the Survey of Consumer Finances, in the year 2007 couples without children had an average Net Worth of over $206,000 over their children-dwelling households. This pattern was observed in the year 1998, 2001, and 2004 surveys as well.

Should you FIRE your Debt? Research Indicates Otherwise!

Debt is a fact of life whether we like it or not. Debt follows us around and every financial decision, especially life's milestones, require that we take into account debt and the costs associated with it.

This Nobel Laureate Says that you are Saving the Wrong Way!

A lot of people are under the assumption that saving a small portion of their earning is ample to allow them to retire, whenever that time comes. The flaw in that thinking can be easily deduced if you really think about it.