by Joseph Francis | Jan 9, 2018 | Budget Boss, Budgeting, Budgets, CMHC, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Home Buyer's Plan, Investing, Investment Strategy, Investments, Joseph James Francis, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Tuesday, January 9, 2018 A Wild Ride – The Canadian Housing Market in 2018 The past few years have seen the Canadian Housing Market go through “stock market” like growth. The whole country was intrigued and perplexed as we saw home prices skyrocket,... 
by Joseph Francis | Jan 5, 2018 | Budget Boss, Budgeting, Budgets, Cash Flow, Debt, Emergency Funds, Emergency Savings, Employment, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Goals, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Insurance, Investment Strategy, Investments, Jobs, Joseph James Francis, Long Term Investing, Millennials, Mortgage Planning, Mortgage Rates, Pay Yourself First, Retirement, Retirement Planning, Saving, Saving for a Down Payment, Saving Money, Tax, Taxes, Wealth Building, Wealth Planning
Friday, January 5, 2017 9 Things to Watch For in 2018 With 2017 in the rear-view mirror, one thing we can all agree on is that it was covered in a glaze of uncertainty. The world seems like it is a scary place out there, more and more reason to not watch the news. If... 
by Joseph Francis | Dec 5, 2017 | Budget Boss, Budgeting, Budgets, Debt, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Home Ownership, Joseph James Francis, Money, Mortgages, Retirement, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building
Tuesday, December 5, 2017 Buying a Home as an Investment? Really? I think our society needs to escape the crazy idea of owning a home as an investment. Now to be perfectly clear, I am speaking about the home you live in, not a rental property. Rental properties are... 
by Joseph Francis | Nov 28, 2017 | Budget Boss, Budgeting, Budgets, Cash Flow, Emergency Funds, Emergency Savings, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Saving, Saving for a Down Payment, Saving Money, Wealth, Wealth Building, Wealth Planning
Tuesday, November 28, 2017 9 Tips for Maintaining a Positive Cash Flow I have met many people that just can’t seem to spend less than they make. At best, they can just barely get by, living for the next paycheque. I’ve been there, and I must admit, it is a crappy... 
by Joseph Francis | Oct 27, 2017 | Budget Boss, Budgeting, Budgets, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Health, Financial Independece, Financial Plan, Financial Planner, Goal Setting, Goal-Oriented Planning, Joseph James Francis, Money, Retirement Planning, Saving, Saving for a Down Payment
Friday, October 27, 2017 The Top Financial Goals: From Your 20’s to Your 60’s As life goes on, your priorities change. As life goes on your understanding of money changes as well. Things that were important to you in your twenties aren’t as important to you in your... 
by Joseph Francis | Sep 14, 2017 | Budget Boss, Budgeting, Budgets, Buying a Home, Canadian Housing and Mortgage Corporation, CMHC, Fiduciary, Finances, Financial Advisor, Financial Education, Financial Empowerment, Financial Independece, Financial Plan, Financial Planner, Home Buyer's Plan, Joseph James Francis, Money, Mortgage Insurance, Mortgage Loan Insurance, Mortgage Planning, Mortgage Rates, Mortgages, Saving, Saving for a Down Payment, Saving Money
Thursday, September 14, 2017 Hidden Closing Costs: It’s Not Just the Mortgage You Will Pay Buying a home is often the most expensive thing people will do in their lifetime. The cost of a home can seem extremely daunting. Often times, people will forget that the... 