A Money Coach in Canada

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Just a quick note to say that for the remainder of May I’m attending 100% to my beta test process and won’t *sniff* be blogging.

I look forward to bringing you thoughts, tips and tactics to handle your money effectively again in June!

Photo Credit: Jan Tik

I do believe I screwed up last Saturday when I said the first step in achieving your hopes and dreams is to write them down.

I think there are actually two steps prior to writing anything.

The first, in polite Steven Covey terms, is to begin with the end in mind.

In other words: Consider Your Death. You are going to die. Obviously so am I.

Forgive me for being so blunt in April of all times; death has been on my mind. A man of great influence on me personally died last week. I listened to this interview of Nuala O’faolain, a famous Irish author in which she talks frankly and weepingly of her impending death. And most directly relevant, I watched “Really achieving your childhood dreams” a video by a Carnegie Mellon professor who knew this would be his last ever lecture.

It’s worth taking time to think about it, at least a little, before landing on and pursuing our hopes and dreams: When we are on our death-beds, will they seem trivial, or worth the days we had? Will they be lasting and of some kind of substance, or the equivalent of soap bubbles?

Before we put a money towards our dreams, it’s worth being convinced of their death-bed value.

When’s the last time you’ve looked through your Employee Assistance Program? It’s worth the 15 minutes, truly. Case in point: I just received 30 minutes of legal counsel (about nothing bad! don’t worry!). It was free for me.
In a previous job, I had 5 sessions of nutritional counselling and 10 sessions of counselling-counselling. For free. Go re-read your pamphlet.

April’s here! And I hear Yellowknife’s not the only place experiencing a snowy spring (oxymoron, much?)

Never fear, climate change hasn’t permanently eradicated Spring yet. It shall come. It shall come.

That in mind, I thought April would be a lovely month to blog on the theme of money and our hopes and dreams.

Watch for the first “serious” post on the topic on Wednesday. But for now, I think a lot of us (in Canada, anyway) could do with a bit of escapism so my we-can-all-dream-can’t-we Question, should you choose to answer it, is WHAT WOULD YOU DO IF YOU WON $1,000,000?

This money coach is not advocating gambling, and in fact is utterly perplexed by the Vegas phenomenon, but when my co-worker invited me to pitch in $25 in exchange for an entire year of lottery tickets with my colleagues I *ahem* did not turn it down.

I know exactly what I would do if I won $1,000,000.00

I would …

1. Quit my day job, with reasonable notice.

2. Do something extravagant as a one-off, like two months in Argentina, and likely include one or two super-close friends/family.

3. Donate an equal amount to #2 above to a not-for-profit.

3. Freeze the remaining (less living expenses) funds in some kind of secure investment for a full three months while I carefully reflected on how to proceed.

4. Purchase a simple home outright that cost $100K or less, perhaps in Detroit where lots of super-interesting stuff is going on and houses are still dirt cheap.

5. Divide the balance (about $900,000.00) evenly between investments and investing in my own business.

OK Readers, over to you. You win $1M. What do you do?

Photo Credit: Buzz Bishop (Hi Buzz!)

2 hours I was in that dentist’s chair.

2 hours of gag reflex, 2 hours of the horrid smell of bone being drilled, 2 hours of fingers and instruments and bloodied suction hoses poking and prodding my mouth.

This post is not for the faint of heart. Friends, my molar extraction was an ORDEAL OF EPIC PROPORTIONS.

My previous Art of Contentment posts have been warm, fuzzy things like pure wool blankets, charming pottery coffee mugs and my little loves (daschunds).

Tonight, all I can focus on is that little bottle of pills by my bedside which numb the hell my mouth just went through.

Thank you Doctors and researchers and — can I go so far as to say pharmaceuticals? — thank you for pills that ease the pain.

And I have to ask, if you’re one of the people who stoically never take pills (I know you’re out there!) I honestly don’t understand — how do you *survive* these kinds of events?

Photo Credit: EssjayNZ

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