Author Archives : Rafael

Home  >>  Author : Rafael

A Realistic Financial Plan for the Everyday Millennial

On November 7, 2014, Posted by , In Creating Goals, With No Comments

Parents of teenagers pay attention! You can’t argue with the headlines, millions of students enrol into post secondary school only to graduate with a mountain of debt and limited job opportunities. Unless a household is able to afford higher education for their children, it is time we start to consider a new…

A Financial Plan For Misguided Millennials

On November 5, 2014, Posted by , In Creating Goals, With No Comments

A Different Approach to Financial Planning! I have dedicated the past 10 years working with small to medium sized businesses to help them grow. Although I initiate such conversations, rarely do we ever discuss in greater detail an exit strategy or even long-term goals for the business owner’s personal life….

Renting vs Buying

On November 4, 2014, Posted by , In Creating Goals, With No Comments

It seems like there will never be a clear winner when it comes to the age old question – is it safer to buy or should an individual rent? The reason why there will never be an universal answer is simply for the fact that we all have different ambitions…

When Is The Perfect Time In Life?

On November 3, 2014, Posted by , In Creating Goals, With No Comments

The answer may not surprise you! I can confidently say that I often walk the path least traveled. For me personally, this year has brought significant ups and downs, which has led me to spend a lot of time and energy identifying my current options for the future. Before I…

Where Did All Of My Money Go?

On November 2, 2014, Posted by , In Your Money, With No Comments

The unfortunate reality of payroll taxes! Over the past decade, I have coordinated payroll for numerous companies within various industries. It never ceases to amaze me how little the average person understands payroll tax. I truly believe there should be a mandatory course covering everyday financial transactions, where if a…

What Do You Really Take Home?

On November 1, 2014, Posted by , In Your Money, With No Comments

An Introduction to Financial Literacy Month With Halloween over and done, many households are now focusing all of their energy preparing for Christmas. I noticed the Christmas decorations already being displayed at my neighbourhood Costco three weeks ago. THREE WEEKS AGO!!!!! Halloween may or may not be a costly holiday;…

The True Cost of Successfully Winning a Revolution

On September 23, 2014, Posted by , In Creating Goals, With No Comments

We are not all built the same. Together we stand; unfortunately divided we fall. I am writing this article on the evening after the first day back to school for many British Columbians, where the majority of teachers reluctantly ratified a six-year deal. For several weeks my Twitter and Facebook…

What good is freedom if you are the only one that is free? Rafael Reis

Random Quotes

On September 22, 2014, Posted by , In Creating Goals, With No Comments

Why can’t we be friends?

On September 3, 2014, Posted by , In Life in Canada, With No Comments

The real issue no one is discussing If you want to succeed in this great country, let me share with you the most effective right of passage. One should spend their 20s in Montreal (going to school and getting an entry level job), developing and mastering their career in their…

My Adventure to Portugal ~ Discovering the meaning of Saudades

On August 23, 2014, Posted by , In Travel Abroad, With No Comments

To make the most of my jet lag, I have decided to write a summary of my amazing adventure to Portugal. I know over the next few weeks people will ask, “Hey Raf, How was your trip?”. Although their intentions may be good, it is often a difficult question to…