1. You have an income.
2. You have no credit card debts.
3. You are living below your means, and have some savings that you’d like to invest.
4. You would like to have a better return on your savings than what the banks GICs are offering you!
   
5. You want a better financial future and you want to start now!

1. Work is optional for me now, so I’m doing this to help people.
2. I am not selling any financial products (unlike financial advisors/advisers who work for financial institutions, they are basically, sorry to say, sales people selling the products and repackaged financial products that have a lot of fees, hidden or not so hidden that eat away at your returns).
3. I am a teacher at heart, so I will be teaching and coaching you how to invest and eventually how to do all this for yourself moving forward.

Here are the steps we’ll take together to achieve your financial Goals:

• A – Achieve clarity of where you are financially and what your financial goals are, and take Action to start now.
• B – Buy Dividend paying stocks & ETFs
• C – Clearly define your financial plan and path
• D – Diligence in keeping track of your Dividend Meter, Yahoo finance, e-Statements
• E – Execution and Exit plan
• F – Focus on your own financial path and Goals
• G – Go relax, now that you know you WILL achieve your financial freedom, go have fun and help others!

Is your investment giving you a return of at least 6%? Because if not, then you’re losing money!
Here are the reasons why you need to at least be making 6% or more on your investment return:

1. Inflation rates have been moving between 2-8% in the last 4 years in Canada. On average, let’s be prepared to have inflation at 4% to be conservatively cautious. So at this point, if you’re not investing, then you’re losing 4% per year of the buying power of your money.
2. Your Federal Personal Marginal Income Tax ranges between 15% – 33%, and then there’s your Provincial Tax – let’s say you live in Ontario where it ranges between 5.05% – 13.16%. So the lowest tax you’ll be paying is 20.05%, and the highest is 46.16%. So let’s say you’re just at the 20.05% marginal income tax bracket – now that 6% you made is down to 4.77% and minus the inflation rate at, say, let’s say it’s 4% this year, you’re down to 0.77% on your investment return. Yes, really!!!