Saint Patrick and Eleven Years of Financial Writing

It was 11 years ago this St. Paddy’s day that I started writing here, and it all started with the exciting First Entry, that started me on writing for 11 years (so far). That first post was very much just me seeing how the whole thing worked, and I have learned so many valuable things over the years from writing here.

Getting Better ?

11 Years Later

I can hear more than a few folks asking, When is he going to stop?(Dear Lord, When?!?), and to be honest I have no idea. I write less than before, but not too much less. This post makes about 2875 posts, which is astounding if you think of that in terms of the number of words written, but I hope that at least some of my words have been helpful to some folks. I have received a few very kind comments from folks, and I thank you for them, but I don’t think I will be retiring soon, but then again, you never know.

Top Posts and Why

Just a quick run down for my Top 5 ever posts and why they got written

  1. A Script for Customer Retention was simply me trying to make it easier for folks to get a better deal with whatever service company you are dealing with. It is interesting seeing the comments from the folks in the service industry ridiculing the whole thing, did I hit a nerve?
  2. CRA Child Disability Benefit (How To) is a post I wrote hoping to help folks, and it does seem to have helped, so if I write nothing else, this one post is the one I will point to as being some good that I did. As usual all I did was write down what my wife did (always good content).
  3. The Cost of Cheques a great deal of my writing is me ranting about things that have pissed me off, and this one is a classic example, and it even includes a hand drawn flow chart (written on a napkin).
  4. How Do I Retire at 35 ? is another interesting one, where it is me commenting on the folks who seem to think that you can actually “retire” at 35. What the hell are you going to do the rest of your life? Crochet? Seriously folks, you simply change to a lesser (or no) paying vocation at that age.
  5. Quicken 2015 Canadian Edition is popular because it seems to show up when folks do Quicken software searches on line, it shows up. I asked Quicken for a copy to review for this year, but never heard anything back. I suspect I may be leaving the Quicken lovers society soon (stay tuned).

My favourite posts (that don’t get many visitors, but that is OK) are:

  1. So that is what $50,000 looks like… was written when my oldest daughter graduated, and while the title can be interpreted as me lamenting the loss of money, it in fact is me celebrating making one of the best investments I have ever made.
  2. I’m an Adult Now? is a raw view of the death of my father. He was always seemed indestructible when I was a kid, but when you watch someone you love slowly waste away, it leaves you with some very definite ideas about Quality of Life when I get older.
  3. Debt is Like Fat is another example of how much of a struggle personal finance and life can be. I have packed back on a fair amount of weight since I started writing here (about 50 pounds), and I continue to fight to try to get back to a more reasonable weight if only to ensure I live longer. I feel there is more to say in this area, so again, stay tuned.

Thank you Dear Reader for staying around and reading along with my adventures in money.


Ten Years and Still Going

Ten years ago today I wrote a simple post

First Entry

I was planning on creating this site on my account on another ISP, but decided, maybe this is more of a BLOG type thing. I will turn on Comments and such once I get some content up to discuss.

Little did I know that it would start a 10 year run of writing about money, life, family and a few other odd topics.

10 Years is a Long Time

Ten Years Later

Ten Years is a Long Time

What has changed financially over these 10 years?

  • The TFSA didn’t exist 10 years ago, it wasn’t even a thought, now it is a key aspect of how Canadians save.
  • The RDSP didn’t exist for parents with disabled loved ones.
  • The great crash of 2008, which we are still recovering from. Goodness, that was a crash!
  • I got laid off, and then found another job (eventually). Nortel went bankrupt, but I managed to dodge that bullet too.
  • We all got used to LUDICROUSLY Low Interest Rates, how will we ever kick that habit?
  • Gasoline prices back in 2005 were about 90 cents a litre and today they are about $1, so gas has only gone up 10 cents in 10 years right?
  • Banks not only open on Saturdays now they Open on Sundays too (they didn’t in 2005)
  • The iPhone appeared and hipsters round the world danced a happy jig.
  • Plenty of tax changes:
    • Public Transit tax credit
    • Safe deposit boxes are no longer an investment carrying charge
    • Introduction of Sports (and Arts) credits for active/artsy kids
    • Income splitting for Pensioners, and a meager attempt for others.
  • I published over 2700 articles? Wow, that is a lot of words. Over 300 of those articles are on Personal Finance .

Did I miss anything big over the past 10 years?

Will I be doing this in 10 years? Who knows?


The Importance of Anniversaries

Today is the anniversary of when Mrs. C8j said yes that she actually wanted to be married to me (you can query her as to her sanity on this day), and as a helpful reminder for those folks who “poo poo” anniversaries and such, these are important dates for many reasons.

Mmmm... Cake

Mmmm… Cake

  1. Realizing there is someone who actually wants to live with you, which in my case is almost miraculous.
  2. You can realize just how fast time is passing in your life, when you realize you have lived with the same person for almost half of your life (in my case).
  3. A good excuse to have a small celebration

It’s pretty easy to sacrifice these kind of celebrations in the name of frugality, but if you don’t mark these dates, you’ll regret it later in life.

As a message to Mrs. C8j :to quote the great one, “Baby you’re the greatest!”


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