Tag Archive: 2 Cents worth

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

April 15, 2015

An Acceptable Form of Payment

A farmer, whose land holdings grew ever closer to the boundaries of an expanding metropolis, patiently waited for the right time to sell his land. When that day came, he and his family became instant millionaires. Set for life, he placed his money securely in the bank, and, true to his disciplined demeanor, did not touch it. Within five years through the wonders of inflation (in this case, hyperinflation), the sum he had received for his lands and which he... View Article

June 19, 2014

A Broadened Scope

A friend of a friend relayed an anecdote of a friend who late in life found herself single. As I am neither late in life (I hope) nor single (or female) I can only begin to imagine how it must be to be either of these. Yet, just as a childless couple who seem to excel at dispensing parental advice, I found myself with no shortage of judgement on the circumstances of the single senior. In this particular case, the... View Article

May 22, 2014

The Randomness of Life

       There are not many things in life that are random anymore- we have engineered our lives to limit uncertainty.  While the drive within humans toward this path has probably always existed, it’s pace has hastened lockstep with technological advances.  When it comes to television entertainment, we have the ability to watch what we want when we want unencumbered by commercials or a half hour of dead space between our favourite programs. Would Seinfeld have been as enjoyable,... View Article