Tag Archive: 2 Cents worth

April 4, 2017

Whose donut is it?

————- Tim Hortons Roll up the Rim promotion has firmly established itself as Canadas first sign of spring. Move over robin and Wiarton Willie, when I catch the first glimpse of Tims red and yellow emblazoned cup I know the end is near. Aside from being an enormously successful marketing campaign, it also serves as an interesting insight into our sense of character. Consider this: You buy a friend a coffee. He rolls up the rim and wins a donut.... View Article

March 1, 2017

Investing in a Motorhome?

——— My parents immigrant story is not an uncommon one. Arriving post war with nothing, they worked, saved, worked, and worked some more. Canada provided them with the opportunity to get ahead, which did not exist in Europe at the time. By the time their youngest of five came along – me – much of the heavy lifting had been done (according to my siblings) and my parents had begun to realize what was for them the ultimate accomplishment –... View Article

February 3, 2017

25 Year Pasta

On a recent Christmas car trip through the heart of the American rust belt, and the tip of the Bible belt, I indulged myself in some syndicated AM talk shows – of the right wing variety. When away from the comfortable surroundings of home, I like to listen in on what folks in other parts of the world are thinking. In Ireland its Hurley. In America, its right wing radio. For the uninitiated, this industry is not your run of... View Article

December 2, 2016

Welcome to Guelph…

The Gloucester Rangers Atom AA team must have been an excited group of kids and parents. The Canadian ritual of travelling to attend a hockey tournament, replete with noisy hotel rooms, noisy restaurants, and noisier arenas had finally arrived, and off they embarked on the 5 hour journey to Guelph. The same was no doubt true for their opponent on this Saturday morning, the Kent Cobras, albeit their commute was a mere 2 hours. The venue to host the showdown?... View Article

November 1, 2016

What’s The Lesson?

  Whats the Lesson? The 2015 World Cup of Rugby final match was contested by two teams averaging six feet two inches in height, and 250 pounds of fast twitch muscle, playing 80 minutes of what to the uninitiated can best be described as football without the equipment or stoppages in play. If you do not know what you are looking for, it looks very much like extremely aggressive and athletic men repeatedly tackling each other at full speed. If... View Article

October 4, 2016

Find Your Cardboard Box

Find Your Cardboard Box When our kids were little, like many North American millennial parents, my wife and I had a tendency to over provide our kids with the popular toys of the day. If Fisher Price made it, we bought it, albeit sometimes used. A eureka moment occurred for us when on one particular Christmas morning we noticed that our daughters, having opened all their gifts, lay on the living room floor playing – not with the toys –... View Article

January 18, 2016

Be Patient, Be Decisive, and Buy More Real Estate

My wife started a family tradition when the kids were quite young. Each New Years Eve, we would sit together, and jot down on our respective pieces of paper our personal goals -resolutions if you will- that we had for the coming year. Twelve months later we would repeat the process with the added amusement of reading what we had written the previous New Years Eve. The cramped jar has become a testament to my personal shortcomings, as a review... View Article

July 20, 2015

Got Your Bathing Suit ?

The Bank of Canada lowered the prime lending rate this past week, in a move that garnered very little attention in the media. For the better part of a generation, interest rates have been low, so a move from almost zero, to a little closer to zero raises few eyebrows. As my livelihood is closely and visibly tied to people’s willingness to spend borrowed money, I notice these things. It is easy to take cheap money for granted, but it... View Article

June 24, 2015

Compounding Interest

  Real estate investors, or those who fancy themselves to be, sometimes turn for inspiration and gumption to a poem entitled ‘Procrastination’. Penned by an anonymous author in 1918, Procrastination retells the fabled sale of Manhattan Island to Peter Minuet for $26 in 1626. The poem is written from the perspective of the second place bidder who walked away from the deal, deeming it too expensive. He knew the real estate market was over-heated, and determined he would wait for... View Article

May 14, 2015

What Ever Happened to Cheaters Never Prosper?

Sport, in many ways mimics life. The harder you train for your sport, the better you get. The better you get, the higher level you achieve amongst your peers. The better you are able to combine your talents with those of your peers, the more success your team will achieve. It is not difficult to correlate sport to the working world, and thus sport has long been a good teaching tool for children. The lessons learned on the playing field... View Article