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Last year I had two different, and yet strikingly similar, experiences with Multi-Level Marketing (MLM). For those who don’t know, MLM (also known as Network Marketing) is a business model that combines direct marketing with franchising. In both instances, I chose not to become involved. In this article I would like to explain [...]

Does debt cripple dreams? Or is it the very thing that makes them come true?
My first real experience with debt was a credit card I got back in 2003. I was traveling overseas for 10 months, and a credit card was both a way to access funds whilst away and a safety net for if [...]

Recently I had my first golf lesson with a professional golfer. Now, this is not the first time that I had played golf - I picked up a golf club for the first time approximately 9 months ago and subsequently played on and off with friends. I studied a few golf books and received [...]

How you spend your money is your business. What you may like to consider, though, is that your spending habits can often affect your level of happiness. And what you initially think may make you happy - the new car, bigger house, and large screen TV - may not give you the most smiles for [...]

I was on autopilot for many years. Sure, I was traveling through life with my eyes open and my hands on the wheel. But it seemed as if I was heading toward some pre-determined destination that had been chosen for me by others. In addition, it seemed that whenever I turned the wheel to [...]

Friday was my last day at the Bank where I worked, so I thought I would impart some knowledge that will save you money and that the Banks’ don’t particularly want you to know. Why don’t they want you to know? Well… the more money you save by avoiding these dumb mistakes the less money [...]