Written by Marcais Bowen “Allocating funds for anticipated costs helps you manage unforeseen circumstances without compromising your financial health. ”   On a recent weekend, I encountered unexpected car troubles that tested my patience and financial readiness. From dealing with shock issues to a flat tire, I learned valuable lessons in managing both challenges and finances. The key takeaways are simple: Avoid Pettiness: Instead of arguing over minor details, focus on finding solutions to problems efficiently. Swallowing pride and seeking solutions promptly saves time and energy. The ..read more

Written by Marcais Bowen “This ritual goes beyond mere scrubbing and sorting; it's a profound exercise in decluttering one's life, both physically and symbolically. ”   Spring has sprung and it has me feeling as recharged. What about you? If you're still searching for that spark of rejuvenation, let's settle in with a warm drink while I share a tale that just might light the way to the revitalization you seek. This last weekend marked my annual journey into what I affectionately term my "Renewal Ritual"—more commonly known as spring cleaning. Now, before you scoff at the thought of clea ..read more

Written by Marcais Bowen “Protecting your economic value is not just about securing your financial future; it's about preserving the stability and well-being of your family. ”   When we ponder our worth, it's common to reflect on our personal and emotional value to those around us. The truth is, each of us is invaluable and irreplaceable, weaving a unique fabric that contributes to the lives of our families, friends, and communities. But beyond this immeasurable personal worth, did you know that you also possess an economic value? This economic value represents the financial contributio ..read more

Written by Marcais Bowen “Life insurance transcends financial planning; it's a selfless act of love.”   As we journey through life, our priorities shift, and so do our needs for security and stability. Among these shifting sands, one constant remains: the importance of safeguarding our loved ones' futures. Life insurance, often overlooked, becomes a beacon of hope and security as we hit various milestones. It's not just about planning for the unforeseen; it's a testament to love, responsibility, and the foresight to protect those who matter most. Why Your Life Insurance Needs Change Ove ..read more

Written by Marcais Bowen “this is about taking control of your finances.”    Understanding money management can often seem daunting, but with a straightforward strategy, you can navigate your finances towards success. Allocating your paycheck efficiently is a fundamental step in this journey. Below, I'll share a simple yet effective method that has not only worked for me but can also pave the way for your financial independence. 1. Set Aside 10% for Financial Independence First and foremost, dedicate 10% of your income to a separate account aimed at achieving financial independenc ..read more

Written by Marcais Bowen “Your investment journey is more than a transaction; it's about creating value that lasts.”    Recently, my wife expressed a desire to buy some Pandas. Assuming she meant Pandora jewellery, I was surprised to learn that in her world, a "Panda" referred to something entirely different: shoes. Specifically, she was eyeing the Nike SB Dunks, a pair that has captured the hearts of many and become a trending item. Our quest led us to Foot Locker, where we encountered a buying experience that was both enlightening and slightly amusing. Upon requesting to try on a ..read more

“Every result we are currently living in our life is a reflection of the mindset and belief systems we hold. ”    When people hear the term financial literacy, everyone immediately focuses on the money management side of it. But it's so much more than just the numbers we see in a bank account or the tangible components of money; financial literacy also includes the subconscious beliefs that drive our money habits.  I’m passionate about female financial literacy. As women, we make different money decisions than men because we were never taught that it was ok to take risks or th ..read more

Written by Marcais Bowen “The key is to save, invest and build wealth starting now.”    Becoming a millionaire can be achieved when your net worth equates to $1,000,000 or more. Remember, your net worth is a total of all your assets, minus, all your liabilities. Your assets can be made up of several things like cash, businesses and real estate, to name a few. To build your wealth to millionaire status, here is what you need to do. Make a Decision This is the foremost thing that needs to be done. If you haven’t made up your mind that you’d like to become a millionaire, it isn’t happ ..read more

Written by Marcais Bowen “Life insurance is not one-size-fits-all and Deciding between term and permanent insurance doesn't have to be an either/or situation.”    Life insurance is a cornerstone of financial planning, offering peace of mind and security for the future. However, navigating the choices between term and permanent life insurance can be daunting. In this blog, we'll simplify these options to help you make an informed decision that aligns with your financial goals and needs. Understanding Your Options Term Life Insurance is like renting an apartment. You pay for cover ..read more

“If you’re looking for the right time to split your business and personal finances, that time was yesterday.”    I often get asked specific timeline questions when it comes to running a business, for example, “when to incorporate” or, “when to charge HST” etc. These types of questions usually have client or business specific answers but the one question that will always get the same answer from me is “when should I separate my business and personal finances?” Anytime a client asks me this, I always answer with the same response, “from the very beginning.” Even if you’re self-emplo ..read more