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Read 19 hours ago and current, but nothing has been published for 21 months.

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Passions Don’t Pay

Let’s start with a crisp definition of passion: an activity that is so intrinsically enjoyable that you’d do it for free. Think about all the things you do just-for-fun. Obviously, an ideal life is to be paid well to pursue your passion(s). Then you’re making money having fun doing things you’d be doing anyway! Amazing! … … Continue reading →

The Smith Manoeuvre Debt Swap is Irrelevant When Rates are Low!

Google “Smith Manoeuvre” and you’ll find dozens of articles saying that the point of SM is to convert non-deductible mortgage debt into deductible HELOC debt. Even Robinson Smith himself repeatedly emphasizes this point in his sales pitch as a guest on many Canadian finance podcasts. He tells people to pump all disposable income into the … … Continue reading →

Why Being a Teacher is Hard

It’s collective bargaining season in Ontario and the recent announcement of teachers’ work-to-rule strike has led to much debate about the worth of public school teachers and the resources and working conditions they require for adequate job performance. I’ve observed a lot of misinformation on this topic so I aim to summarize the common misunderstandings … … Continue reading →

Toronto Municipal Election FAQ

This weekend I’ve been trying to figure out who to vote for in the upcoming Toronto municipal election and I wondered about a few basic things. Here’s my attempt to answer them. Is the Mayor affiliated with a political party? No. In fact all Toronto municipal government members are non-partisan (ie. no political party affiliation). … … Continue reading →

Why Buy Stocks (Especially Ones That Don’t Pay Dividends)?

I recently asked myself “Why do people by stocks”? It seems like a simple question but I quickly hit a roadblock in my line of thinking. By the way, when I say “people”, I literally mean everyone, including both large institutional investors and individual investors like you and me. The content of this article may … … Continue reading →

How is Your Cable Connection Bidirectional?

When you think of your home’s cable connection, it seems like a unidirectional thing since many TV channels come into your home through a single wire. But what about when you order a movie on-demand? Your choice of movie must go out to the cable company somehow, over the same wire. What about cable internet access? When you surf … … Continue reading →

Adding Salt to Ice in a Cooler

Why do people sometimes add salt to ice in a cooler for drinks or beer? It’s a simple question. There are tons of articles and videos online but I couldn’t find a comprehensive explanation of why it works. Some Basics It’s important to first understand what melting point and freezing point mean. Melting point is … … Continue reading →