Author: Larry C.

John Bogle is the founder and genius behind Vanguard index funds.  I just finished watching him comment on the fact that there will never be a perfectly safe time to invest.   There is always going to be something going on in the world that will scare investors  and you can always create a long list of potentials risks or […]

Investing articles can be long and boring.  How about I read the article and provide you with the important information for DIY investing success. Here it is: From Dan Bortolotti, a portfolio manager and the creator of Canadian Couch Potato, a fantastic blog about index investing.  I’m mentioned several times on this blog the Vanguard offerings (VGRO, VBAL, etc) but […]

Yesterday, my neighbour’s son was over for a visit. He’s a twenty something living in Newmarket, ON and working in construction. He is doing quite well for himself and was recently chosen to be trained as a foreman. We started talking about how frustrated he was with the price of real estate in the Toronto area and how we was […]

If you are close to retirement, I recommend you try out this retirement spending calculator created by Morneau Shepell, a large Canadian human resource company.  It’s the most involved and accurate calculator I’ve discovered for Canadians. The man behind the calculator is the recently retired chief actuary at Morneau Shepell, Fred Vettese, (author of The Real Retirement, a fantastic book […]

Easy recipe for investing success: Save 10% of your income. Every once in a while buy the Vanguard product with the symbol VGRO. Do this over and over again, every year for 40 years and there’s a really good chance you won’t have to worry about money when you stop working. It seems so simple.  This is the sort of […]

Investing articles can be long and boring.  How about I read the article and provide you with the important information for DIY investing success. Here it is: For the past 20 years many Canadians, especially those who live in Toronto and Vancouver has come to be convinced that you can’t lose money in real estate because houses always go up […]

Many professions have a bad habit of making what they do far more complicated than it has to be. When I write “bad” habit, I mean bad for you. Lawyers, doctors, accountants, real estate agents, teachers, financial planners all benefit because you are not an expert and will need them to help navigate their domain. Unless you are willing to […]

Investing articles can be long and boring.  How about I read the article and provide you with the important information for DIY investing success. Here it is. Trying to time the market means trying to pick a time to buy your stocks, bond or etfs.  Typically investors want to buy stocks or etfs when the market has gone down thinking […]

I read an article last summer where a senior partner at a Wall Street law firm admitted that his firm encouraged young lawyers to go into debt to purchase fancy houses and cars and send their children to private school.  The firm even used their financial connections to get lower interest rates for these expensive purchases.  The reason, he admitted, […]

Mr. Buffett’s annual letter to shareholders is out.  I’ve read the letter for you and am highlighting the most important point. Here it is:  Buying a low cost index fund that tracks the whole market would have returned an annual return of 11.8%(pre-tax) over the past 77 years. Paying a 1% annual fee to an investment manager over this 77 […]