January 24, 2016

12-Minute Ways to Have a Better Day (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 July 12, 2012

Here are some simple 12-Minute Ideas to help things go smoothly; to have a brighter and merrier day.

Sometimes, 12-Minute it’s all it takes!

1-Wake Up 12-Minute Earlier

This will allow you to take time to smell the roses and relax before you start your morning routine or
to take a little more time before you embark in a busy work day.  

2-Take 12-Minute to Breathe

Take a break during an hectic day and just breathe!

3-Invest 12-Minute to Plan Your Day

Plan you day early in the morning or the next one late at night.

January 18, 2016

New Year and Dividend Income Update

Just a quick word to let you know that, for the new year, comments and figures have been added to several pages of our blog.

These pages have been updated:

As a bonus, here’s a chart of our Dividend Income since 2013:

January 12, 2016

Our 24-Day Trip to Italy

Even though it dates way back to the hot summer of 2012, I’ve decided to write again about this fantastic trip to Italy because this adventure was so significant to us.

It really strengthened the bond in our small family. It was the first time in good old Europe for Lady C (my daughter) and me…our first time outside the Americas in fact. Lady N (The wife) already had been to Europe but never in any Italian cities.

We will forever cherish plenty of incredible memories from of our 24-Day trip to that old yet still modern country (Wow! 24 multiple of 12! I have to admit I didn’t really plan that one).

This trip also had great influence on me as a writer. Traveling and being exposed to foreign cultures is often inspiring. But this peculiar trek really gave me a boost to continue writing. Some pretty good new ideas also came out of it.

Later that year, I was able to finish my first book (Doux Espoirs written in French). Some of the characters and a lot of settings in my story we greatly inspired by what we lived in Italy. These experiences really gave a new flavour to my book and new life to my desire to continue writing.

So, let’s get into the thick of it!

January 06, 2016

Special RRSP Tax Considerations for 2015

For our Canadian readers, after the joy of the holidays comes the joy of …RRSP season!!!

Many may think I’m wacky but I kind of like RRSP season as it often rhymes with investing money and reducing taxes. It’s always a delight for me to torture my brain and find the best way to save as much as possible on taxes.   

My passion for RRSP reasoning will be well served this year as matters are even more complicated due the transition between the conservative and liberal governments.

Doing a thorough analysis would still be a nightmare so let’s limit ourselves to my family’s situation to help grasp some of the implications. I hope it will inspire you to explore your own RRSP tax conditions afterwards and complete all relevant research.

Before we go into the thick of things, I’ll remind you that I am not an investment or tax professional of any kind. The intent of this blog is not to give specific tax-related or investing advice. Before investing yourself, we suggest you to do all necessary research and consult a licensed financial professional if need be.
One Major Change

Because of the unusual transition situation, should we increase or reduce RRSP contributions this year? That is the question!

Starting in 2016, the liberals will reduce the middle tax bracket from 22% to 20.5% (for taxable income between $45,282 and $90,563 in 2016). They will also introduce a new tax bracket of 33% for taxable income over $200,000 but this measure won’t affect us with our more modest revenue.