A Money Coach in Canada

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1. Yeah! Having been sans cel phone (yes, it’s possible) for over a year, because I so HATE getting into 3-year-freaking-locked-in-anythings Peter, who gives us Useful Crap (sic) found what sounds like the best celphone plan in Canada. Believe it or not, it’s offered through I’m going to check it out, and once again I may be accessible by cel.

Totally dumb question: does anyone know, could I use an I-phone on this plan without too much crazy hacking (of which I know nothing)? John?
or Dave the iVacationer?

2. BC Hydro found an extreme frugality hack using bread clips to cut down on your hydro.

Umm, thanks. I guess.

3. And Apple shares tumbled 11% today along with all the others. Hmmm…. to buy? to buy? I wonder what mariam would do?

ps:  if you’re going to Hawaii, say aloha to WoolyWoman’s Blog, where she posted on how to get better meals for less money on Kona.

About the Author

Imagine if Canadians were known for being all over their money. Engaged. Proactive. Getting out of debt. Savvy. Saving. Generous. Nancy wants to help. Nancy started her own journey with money over 15 years ago, and formed her company “Your Money by Design” in 2004 to help others along the same path. It’s not the usual financial advising/investment stuff. It’s about taking control of day-to-day finances –managing monthly cashflow effectively, spending appropriately, getting out of debt, saving. If you're ready to take control over your finances, pop by her business site, YourMoneybyDesign.com


  1. Re: the iPhone — you need an unlocked iPhone, so that you could put a 7-Eleven SIM card in it. But other than unlocking it, you don’t need to do anything special for 7-Eleven. With an unlocked iPhone you could also put a Rogers or Fido SIM card in there. I’m not a phonephile (is there an official name for that?) myself so I don’t know the best place to get an unlocked iPhone.

    Also, regarding Apple in general, I can only speak as a consumer. I have never been impressed by any of its technology.
    I use a Mac at work and a PC at home, so technically I spend much more time on the Mac. But I find it different but not necessarily better.
    I always found my no-name mp3 player to do more than the iPod.
    The iPhone doesn’t excite me, nor does the Macbook Air.
    I find that Apple takes a closed approach to things and doesn’t give the consumer much choice.
    Business-wise, I won’t knock it, though. There’s certainly more to a stock than what one personal consumer thinks. The Apple fever hits many people, just not me!


    Jan 23, 2008
  2. Unfortunately, the Speakout Wireless phone won’t work with an iPhone – it doesn’t use GSM technology which basically means that you can’t take the SIM card out of the 7-11 phone and put it into the iPhone – because it doesn’t have a SIM card. I believe Speakout just resells Bell wireless but I could be wrong. No amount of crazy hacking will get this to work.

    Rogers/Fido are the only companies in Canada that use technology compatible with the iPhone – hence the huge interest/expectation from people that Rogers will offer the iPhone in Canada.


    Jan 24, 2008
  3. Hmmm….wait a minute, I just fully read Peter’s article and it seems that Speakout does in fact use Rogers so there may be hope for the iPhone usage after all.

    Unless you’ve got an unopened iPhone with the older firmware on it under your bed, you won’t be able to unlock the current shipping firmware to use on it (yet). There are (free) software unlocks available for really old firmware (pre-November 2007) and hardware SIM hacks (around $100-150) to enable November-early January iPhones. Macworld released a new version that hasn’t been publicly broken or unlocked yet but it will come in time.


    Jan 24, 2008
  4. Nancy, I have a weird approach to investing.

    I’d gamble on swing trades and invest in buy and hold forever stocks but I won’t invest in medium term plays.

    My feeling is that I’ll build a stable portfolio to protect me from myself as I try to pick up pocket money from a few swing trades. I figure it’s the best of both worlds.

    That’s my strategy and it’s not for everyone.

    That’s why I’m taking a pass on Apple. I think it’s a midterm play. 20 years down the line, will we still be using iPods? Probably not but will Apple still be innovative? Obviously, no one knows but I think the company will still be relevant in 5 years so maybe it is a good play for someone else.


    Jan 24, 2008
  5. @John – thanks for the good info. Are “really old” (that cracked me up. Nov 07 = really old in tech terms?) iphones selling at a premium because they’re unlockable, or at a discount because they’re “really old”?
    @Peter – you know, I’m a money coach and always into getting the just-as-good-as (or even better) no-name product but for some completely irrational reason, I have fallen into the mac cult as of last summer. Intellectually I grasp your points, but I’m still holding out for an iphone. It’s indefensible, but I can’t help it. Please don’t tell my clients or I’ll lose credibility.
    @Mariam oh man. 2 “no to apple” comments in one blog post is too much for me to bear. Seriously – your comment gave me pause. My best stab at predicting the future tends towards Macs are going to take market share convincingly, and keep it, for a good 15 years. Where we’re doddering old ladies, can we revisit the question with 20/20 hindsight?


    Jan 24, 2008
  6. I was hoping you’d catch my ‘old’ reference 😉

    The ‘older’ firmware phones are most likely selling at a premium because they can be soft unlocked….newer ones (although not the newest yet) can only be unlocked via a hardware method. Software method is free, hardware costs about $100-150 plus a bit of effort.


    Jan 25, 2008
  7. Thanks for the link! I didn’t post on how necessary it was to find the cheaper better food because we felt so ripped off after a few awful and overpriced meals (shudder)!

    Interesting about the 7/11 cell phone. I was complaining on someone else’s blog that I wish we had shopped around a bit more to compare cell phone plans for Mr W’s parents at Christmas. We got them one for safety- they go off camping quite a bit and have health concerns – but I was annoyed at how quickly the minutes expire. Maybe we should see if we could switch the sim card for one of the 7/11 one. Thanks!


    Jan 25, 2008
  8. Here’s an interesting story about how a quarter of iPhones are now unlocked: http://news.yahoo.com/s/nm/20080129/tc_nm/apple_iphone_dc_3


    Jan 29, 2008
  9. Thanks for the post. Good information given how royally Canadians are screwed over by our wireless providers.

    If you do get an iPhone working up here you will not want to use it. At the rate we pay for data the monthly bills on the iPhone would be insane. That’s why it has not been introduced here yet.

    For more information see:


    Feb 10, 2008

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