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By Ryan Goldsman, CFP®, PAIP®

            I once had a person tell me “I like getting a refund, so I ask my HR department to take more money off my paycheque so I get one each year.” Needless to say, I was not impressed.

By Ryan Goldsman, CFP®, PAIP®

            Close to one year ago, a good friend (who shares a background in the financial industry) told me about a new lending platform. He thought a lot of a service called GoPeer and shared the ins and outs of it with me. It definitely sounded interesting.

By Ryan Goldsman, CFP®, PAIP®

            Like many people, the weekend means groceries, errands, a dinner with friends, and many more activities that require the presence of a wallet.

            This past weekend was an eventful one as four different restaurants were visited, three different coffee shops, and close to ten other merchants. For the first time, I counted the number of merchants that had a note on the payment system “No Amex” or “We do not accept Amex” and there were many of them.

By Ryan Goldsman, CFP®, PAIP®

            Side hustles often sound attractive to those who are unhappy with a part of their lives. The extra money is definitely appealing to those facing a cash crunch, or may have a few weddings to attend in the next year, but it’s not always that clearcut.

By Ryan Goldsman, CFP®, PAIP®

            This past weekend, I was lucky enough to be invited to a friend’s home for a wine tasting, followed by dinner. In total, eight people were invited (four couples), and the requirement was for each individual to bring a bottle of wine, preferably red, between $20 and $30. In total there would be eight bottles.