Rethink RRSP's - Maximize Your Tax Windfalls

Rethink RRSP’s – Maximize Your Tax Windfalls

It’s that time of year that banks and investment firms will start the deluge of advertisements about RRSP’s and how you must get your contributions in by March 1st.

It’s also the time of year that I’m most irritated by the misinformation in these ads. I’m going to tell you why the pushing of the RRSP products are a problem and how to rethink RRSP’s strategically, maximizing your tax windfalls AND your long term savings. I’m Susan Daley and this is Your Money, Your Choices. One of my pet peeves as an advisor is when people ask if they should buy an RRSP.  (more…)

Convert Your Tablet to a Laptop - Yes It's Possible

Convert Your Tablet to a Laptop – Yes It’s Possible

First off, this isn’t a painless transition. Most notebook computers have many times more power than a tablet. And they usually have much more screen real estate as well. If you’re used to a 17 inch display, or you know, three of them, this is probably not a leap you want to make. And even if you go for a gargantuan, like the large iPad Pro? Some stuff is just going to be more clumsy on a mobile operating system. And whether you’re willing to deal with that, depends on how much you value the benefits you get in return. For me, the most crucial of those benefits is, surprise, mobility.  (more…)

How to Resist Life - Personal Experience

How to Resist Life – Personal Experience

I want to help, but sometimes I feel really powerless and overwhelmed. I often think that helping looks like donating, volunteering, or marching – and these things are great, but I don’t always have the resources in order to do them. But these aren’t the only options or the only ways to get involved.  (more…)

Home Buyer Cover Letter Writing Tips & Samples

Home Buyer Cover Letter Writing Tips & Samples

Here’s the scenario, you’re in a bidding war with multiple offers for your perfect home. Would like to maximize the likelihood of your offer being accepted, even if you are not the highest bidder? In this post, I’m going to explain how to make a personal connection when you make your bid and increase the likelihood of your offer getting accepted.  (more…)

How to Speak English As a Foreign Language

How to Speak English As a Foreign Language

In this post I’m going to share with you my favorite tips for entering conversations with confidence. I receive lots of e-mails and comments from learners talking about how they avoid conversations or when they’re in conversations they often use only very simple language and this is again something that you have to develop even watching videos like this i can share tons of great information about how to learn as well as lots of great word to use.

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Live and Learn - Photography Copyright Experience

Live and Learn – Photography Copyright Experience

Trust but but be willing to walk away.. my new motto.

After recently doing a TFP shoot (my first) for a local actress with great success, I fell in love with the whole idea. I got to work with a stranger, work on my technique, assist in directing (and getting pointers on directing), give her a good product and get to use the images to promote myself. The young lady was very very professional, courteous, fun to work with, and much more. We worked well.

Fast forward a couple weeks. Another almost TFP (pay me a couple bucks for time, let’s help each other). WOW what a difference.

As far away as she was, I could not do a full TFP, I had to charge something. We agreed on $30 for travel and a 30 minute shoot. She had rights to use my edited images (promised at least 15) and (of course) I retained ownership and had use for my portfolio. Later I found this was her handler, not her, but that is a different story. (more…)