by Joseph Francis | Apr 22, 2019 | Bank Fees, Budget Boss, Budgeting, Budgets, Buying a Home, Canadian Housing and Mortgage Corporation, CMHC, Debt Consolidation, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, First Time Home Buyer, Gail Vaz-Oxlade, Goal Setting, Goal-Oriented Planning, Home Ownership, Money, Money Coach, Money Mentor, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, April 22, 2019 A Dozen Savvy Mortgage Tips I encounter it all the time. People are literally costing themselves thousands of dollars by not fully understanding their mortgage. You see, the problem with the mortgage industry is that they prey on emotion. What... 
by Joseph Francis | Apr 15, 2019 | 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, First Time Home Buyer, Goal Setting, Goal-Oriented Planning, Home Buyer's Plan, Home Ownership, Joseph James Francis, Money, Money Coach, Money Mentor, Money Momma, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, April 15, 2019 The Dangers of Overextending Yourself When Buying a Home In Southern Ontario, we have seen the explosion of the values of homes. From Toronto to my town, London Ontario, it is apparent that the cost of a family home had reached its all-time... 
by Joseph Francis | Apr 8, 2019 | Budget Boss, Budgeting, Budgets, Canadian Housing and Mortgage Corporation, CMHC, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, First Time Home Buyer, Home Buyer's Plan, Home Ownership, Joseph James Francis, Money, Money Coach, Money Mentor, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, April 8, 2019 Saving for a Down Payment: 10 Tips They say that making your first million is always the toughest. The same is true when it comes to buying your first home. The reason is simple, you are starting from scratch. You are probably also at the... 
by Joseph Francis | Apr 1, 2019 | Budget Boss, Budgeting, Budgets, Buying a Home, CMHC, Credit, Credit Card Debt, Credit Cards, Dave Ramsey, Debt, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, First Time Home Buyer, Goal Setting, Goal-Oriented Planning, Home Buyer's Plan, Home Ownership, Investing, Investment Strategy, Investments, 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, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, April 1, 2019 12 Tips for First Time Home Buyers Welcome to April folks. Birds are chirping, the snow is brown, and realtors are licking their lips. It is officially home buying season here in Canada. It is the time of year where moves are made as everyone... 
by Joseph Francis | Mar 25, 2019 | Budget Boss, Budgeting, Budgets, Cash Flow, Credit, Credit Card Debt, Credit Cards, 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, Insurance, Investing, Investment Strategy, Investments, Joseph James Francis, Life Insurance, Long Term Investing, Money, Money Coach, Mortgage Insurance, Mortgage Planning, Mortgages, Resources, Saving, Saving Money, Wasteful Spending, Wealth, Wealth Building, Wealth Mindset, Wealth Planning
Monday, March 25, 2019 9-Step Financial Spring Cleaning It is officially the first full week of Spring and I couldn’t be more excited. Birds are chirping, snow is melting, dog poo emerges, and I hope by now those pesky Christmas bills have been paid off. For me, this... 
by Joseph Francis | Oct 24, 2018 | Budget Boss, Budgeting, Budgets, Estate Planning, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independence, Financial Plan, Financial Planner, Insurability, Insurance, Joseph James Francis, Life Insurance, Money, Money Coach, Money Mentor, Mortgage Insurance, Permanent Life Insurance, Term Life Insurance, Wealth, Wealth Building, Wealth Mindset, Wealth Planning, Whole Life Insurance
Wednesday, October 24, 2018 11 Excuses to Not Get Life Insurance, and Why They Are BS I am of the belief that everyone should have life insurance. There are many reasons to have it. It eliminates debts, provides income protection, helps settle estates, diversifies... 