Need help with your budget?

Do you feel like you’re not getting anywhere, just spinning your wheels, caught up in the rat race? If so, we can help you take back control and get you on your way to a brighter more financially secure future with our Budget & Debt Reduction Strategies.

Our Budget & Debt Reduction Strategies is designed for people who

  • Want to take control of their financial lives
  • Feel financially secure
  • Reach a level of financial freedom only dream of
  • Want to break out of the rat race
  • Know that their current system isn’t working.

Our aim is to work closely alongside of you, to empower and grow your confidence in making better financial decisions through education and give you the necessary tools to achieve success.

During this time, we will assess and review your

  • Mortgage
  • Spending habits
  • Waste management system
  • Recycling system
  • Time frame
  • Financial goals
  • Attitude towards money.

The right strategy, loan structure and home loan package can save you thousands of dollars in interest and bank fees.  Getting a home loan is easy, too easy now-a- days. We believe before you take out a home loan you should start with a well thought out plan that takes into consideration your lifestyle, spending habits and access to money.

The right plan tailored to your needs can take years off the term of your home loan, which today is 30 years, and save your thousands of dollars.

Security is the degree of resistance to, or protection from, harm. It applies to any vulnerable and asset, such as a person, dwelling, community, nation, or organization.

As noted by the Institute for Security and Open Methodologies (ISECOM) in the OSSTMM 3, security provides “a form of protection where a separation is created between the assets and the threat.” These separations are generically called “controls,” and sometimes include changes to the asset or the threat.

“If you fail to plan, you are planning to fail” by Benjamin Franklin

Planning (also called forethought) is the process of thinking about and organizing the activities required to achieve a desired goal. It involves the creation and maintenance of a plan, such as psychological aspects that require conceptual skills. There are even a couple of tests to measure someone’s capability of planning well. As such, planning is a fundamental property of intelligent behaviour.

Also, planning has a specific process and is necessary for multiple occupations (particularly in fields such as management, business & retirement, etc.). In each field, there are different types of plans that help companies and individuals achieve efficiency and effectiveness.  An important, albeit often ignored aspect of planning, is the relationship it holds to forecasting.  Forecasting can be described as predicting what the future will look like, whereas planning predicts what the future should look like for multiple scenarios.  Planning, combines forecasting of possible scenarios that may happen in the future with preparation of how to react to those scenarios if and when they were to happen.

Strategy (from Greek στρατηγία stratēgia, “art of troop leader; office of general, command, general ship”) is a high-level plan to achieve one or more goals in conditions of uncertainty.  In the sense of the “art of the general”, which included several subsets of skills including “tactics”, siege craft, logistics etc., the term came into use in the 6th century C.E. in East Roman terminology, and was translated into Western vernacular languages in the 18th century.  From then until the 20th century, the word “strategy” came to denote “a comprehensive way to try to pursue political ends, including the threat or actual use of force, in a dialectic of wills” in a military conflict, in which both adversaries interact.

Strategy is important because the resources available to achieve these goals are usually limited.  Strategy generally involves setting goals, determining actions to achieve the goals, and mobilizing resources to execute the actions.  A strategy describes how the ends (goals) will be achieved by the means (resources). The senior leadership of an organization is generally tasked with determining strategy. Strategy can be intended or can emerge as a pattern of activity as the organization adapts to its environment or competes in the market place.  It involves activities such as strategic planning and strategic thinking.

Henry Mintzberg from McGill University defined strategy as “a pattern in a stream of decisions” to contrast with a view of strategy as planning, while Max McKeown (2011) argues that “strategy is about shaping the future” and is the human attempt to get to “desirable ends with available means”. Dr. Vladimir Kvint defines strategy as “a system of finding, formulating, and developing a doctrine that will ensure long-term success if followed faithfully.”

How can we help?

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