Credit, like a knife, is neither good nor bad – it depends on the use to which it is put.  

Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.  

Motor vehicle insurance has various elements including property damage coverage, liability coverage including coverage for the death or injury of a third party, collision coverage and comprehensive coverage.

The objective of investing is to receive a future flow of funds larger than the funds originally invested.

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

Diversification is the process of helping reduce risk by investing in several different types of individual funds or securities and works hand in hand with asset allocation.

There are three ways to manage money: Market timing, security selection, and asset allocation. The first two, in our view, involve too much luck and risk.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

The most valuable asset that the vast majority of the adult population has is the ability to work to earn the income required to provide for a reasonable lifestyle and to build net worth.

Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks.  It means asking all of the right questions and thoroughly investigating your options.

The purpose of investing is to improve our future circumstances or future lifestyle.

Death is inevitable – and sooner or hopefully later, we are going to die.  Before we do, we should take some actions to put our affairs in order.

Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.