December 12, 2018

Stressed Out by Performance: Choose Efficiency Instead

Corporations and our so-called modern society put a lot of emphasis on productivity and performance. But fed-up out-of-breath individuals are questioning those values more and more.

The secret may be to lean towards efficiency instead. Efficiency doesn’t only focus on results but also considers effort and methodology.

By definition, being efficient is more than doing the right things (being effective), it’s doing things the right way.

In that sense, efficiency can take out some stress out of performance. To resume what we’re trying to expose here, being efficient means performing as well as possible with as little effort as possible.

Efficiency Can Make Life Easier

Efficiency can allow you to swiftly tackle on each of your tasks, using up less time and effort.

Because efficient people do things the proper way, they usually manage to achieve their assignments with minimal efforts and without undue delays. And since they use less time and effort, efficient beings also typically feel less pressure.

In that sense, adopting an efficient frame of mind can be a great way to relieve pressure and make everyone’s life easier.

December 03, 2018

12-Minute Balance (Revisited)

The 12-Minute Series was originally posted in 2012.

We’ve decided to republish it integrally because we believe it can still help as everyone aspires to make things better.

Let’s hope it stirs up the discussion and stimulates you to change the world 12-Minute at a time!

This article was originally posted on May 12, 2012

Many believe that one of the most important keys to happiness is balance. Sadly, many lives equate to a never ending juggling act struggling in search of that so elusive concept.  

The 12-Minute Approach offers you simple yet powerful ways to achieve that so precious balance in your life.

Let’s hope that, by focusing on rhythm, order and harmony, these 12-Minute Ideas help you strive toward that balance so essential to your happiness and well-being.

Equal Balance between Needs and Activities

In order to stay happy yet still be effective, your life should be equally balanced between your needs and your activities.

November 24, 2018

The Impact of Climate Change on Stocks

Despite what many people think like some in power south of the border and others closer to home, global warming has started to greatly affect our planet and already too-many lives consequently have suffered from it. Unfortunately, global warnings are not enough to fight global warming.

Social media and live news probably amplify our exposure to it but you cannot deny that catastrophic events sure are more frequent and violent. Luckily for us, significant disasters have spare our family so far. Nevertheless, we have felt Mother Nature unleashing its power in the form of extreme heat, stronger winds and rain.

We know that human lives have no cost and should be treated with respect and dignity. In the current circumstances, everything within our power should be put in place to save and help as many human beings as possible.

That being said, we are even more worried about the profound impact climate change could have on our economy. If our economic system collapses because of it, we won’t be in a position to help anyone anymore.

We have been reflecting on it for a while and so far, are not reassured. A lot of troubling questions arise and for now, we have failed to find adequate answers. Here are some on those questions.

November 12, 2018

Portfolio Update November 2018

With Halloween just behind us, once more, it’s time for another DIY Portfolio update after that scary season. As now customary, you can expect our next update in about 12 weeks, in February 2019.

You can also access our earlier portfolio updates here:

Speaking of scary, what happened especially in the last month can be preoccupying. We had several days where we had a taste of what a major market correction may involve. With markets that fell more than 10% from their high, we are now by definition, in correction territory. Can this be the long announced big market downfall? We can certainly feel that panic could easily settle in.

The increasingly polarized positions and resulting frictions between our powerful and sometimes ill-tempered neighbours are also concerning. Particularly when their colorful leader continually fuels them.

Even though we don’t approve, he would still probably appreciate it because we are talking about him again. His eventual departure or exit also bring a lot of uncertainty to the table. You can bet it won’t be a smooth process but rather will involve a loud bang like his presidency. At times, we think of selling everything to secure our holdings before suffering those potentially disastrous consequences. Then again, we would miss out on all our profits meanwhile. Turbulent periods like recent ones will always occur and we are far from being advocate of doomsday or black swan scenarios.

So today, after looking at why Canadian stocks have been noticeably lingering as of late, we will talk about how we try to keep a long-term investing focus. We will conclude by sharing some of our latest investment reflections.

November 03, 2018

Housekeeping The 12-Minute Way (Revisited)

The 12-Minute Series was originally posted in 2012.

We’ve decided to republish it integrally because we believe it can still help as everyone aspires to make things better.

Let’s hope it stirs up the discussion and stimulates you to change the world 12-Minute at a time!

This article was originally posted on April 12, 2012

Living in a clean environment can contribute to your well-being and happiness but proper housekeeping takes time.

So, here are some 12-Minute Ideas to keep your house neat and tidy. Hope this helps make your home more peaceful, relaxing and inspiring.

October 24, 2018

Stop Wasting Time Looking for Better Short-Term Rates

For merely a decade, Canadian interest rates flirted with historically low levels before the Bank of Canada finally started to gradually raise the prime rate in 2017. Almost immediately, many banks consequently increased their mortgage rates. As expected, they still took a while longer to offer better rates on savings account. So, for an extended period, so-called «high-interest» savings accounts were paying negligible interest.

Competition, especially from their virtual counterparts, now has forced even traditional financial institutions to offer improved rates. But, in the end, does this really matter?

We just don’t think so.