How A Life Changing Illness Shaped Our Financial Future

JUST WHEN YOU THOUGHT EVERYTHING WAS GOING WELL YOU’RE HIT WITH AN ILLNESS THAT WILL FOREVER CHANGE YOUR LIFE.   I’ve been writing about money for much of the past decade but I didn’t always have my act together, financial speaking. In fact, I spent most of my twenties deep in debt, and it took a big, scary, life-changing event for me to have my financial awakening. I’ll never forget the day when my world changed. It was 2008, and my wife had complained of a headache – a pain behind her right eye, to be exact. She was in excruciating pain and nearly went blind, temporarily, seeing only red spots out of her affected eye. An ophthalmologist confirmed it was optic neuritis, an inflammation that affects the optic nerve. After prescribing an incredibly high dose of prednisone to bring down the inflammation, the doctor referred my wife to a neurologist who diagnosed her with Multiple Sclerosis. We were devastated. At the time, we didn’t know much about MS and how this disease would impact our lives. All we knew was that each flare-up of the disease caused nerve damage, which would gradually get worse over time and lead to […]

The What If’s in Life with Life Insurance- Staring out the Canadian Glass Window

What if I lose my job, What if I get injured, What if I die,What if this What if that.. blimey, are you tearing your hair out? Are you thinking about life insurance yet? Sometimes preparing for the future seems like it’s silly but perhaps it’s just a way to put off the inevitable. Some people I know didn’t think they needed life insurance or thought it was only something senior folks think about. Scenario:  Older Couple who never purchased Life Insurance Little Savings Age 50’s with children/grandchildren Mortgage until they are in their 70’s Little Investments Health Status- bad Heart Condition, Diabetes Source: EverydayHealth.com What we do know for sure is: We WILL all DIE! Face it mates, it’s going to happen whether you like it or not. ** Note: if you are reading this and have some sort of secret potion to prolong this send me a quick email so we can meet up** If you plan to remain single and childless for the rest of your life and have money put aside for your funeral costs then you can sweep the insurance idea under the mat. Do you really need to pay for Life Insurance when there […]

The Cost of Smoking on your Health and Budget

There’s no surprise when hearing about deaths related to smoking or the various diseases caused by smoking but turn a blind eye. Is it really worth it to smoke? I’m sure you know the answer to this question but most smoker’s either choose to ignore it or struggle to give up this habit. Smoking is a harmful addiction, one that can cause your bank account to suffer and your loved one’s wishing there was something they could have done when you’re gone. As I lay here tonight and write this post I am thinking about tomorrow morning and what life will be like for us.  While watching Global Television a commercial appeared called driven to quit which is a challenge to motivate smokers to quit for the month of March. My wife is a huge Young and the Restless fan so everyday we were seeing this commercial Monday to Friday when something clicked. We both decided that it was time to stop letting cigarettes rule our lives as of January 30,2012. We both signed up for the challenge with the support of friends and family.  Quitting smoking for the month of March was far from our goal as we want to quit for […]

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