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My friends and I had an interesting discussion on what financial independence means. I wanted to share my view on it.


To me, financial independence has nothing to do with ability to buy items and objects. In fact, I think buying objects and items is largely pointless and leads to clutter. That doesn’t mean that you should live in Spartan room with nothing but a blanket on the floor and a portable gas stove. What it means is that you should not buy items that you don’t...

Forget battling foreign languages, heavy suitcases, prams and pickpockets. An equal threat to families travelling abroad is traveller's diarrhea – the most common travel related illness around the globe. It affects as many as 50% of travellers to high risk destinations. The Dominican Republic and Mexico are part of this high risk group, and are popular vacation destinations. Of the 10 million Canadians departing for overseas trips last year, around 1.9 million went to Mexico, and over 650,000...

Small and mid-sized businesses (SMEs) are not immune when it comes to fraud. In fact, due to their size or to their limited resources, these companies are often the target of costly scams from both outside and inside sources.

“According to Industry Canada, SMEs represent two-thirds of all the jobs generated in the private sector, so they need to be healthy in order to contribute to the vitality of our country's economy,” says François Ramsay, the senior vice-president of corporate...