Getting Your Financial House In Order

Retirement Income Planning, Calgary

I remember it like it was yesterday. The credit card offers would come in the mail. “1.9% for 6 months on balance transfers”. Nancy and I would quickly apply and then move our balance from our current Visa with higher interest over to the new one. 6 months later we would move to another low-interest provider. We did this for several years until we paid off our balance which was mostly from school fees. We were keeners and paid off the debt as quickly as we could, but it was exhausting. Since then we have never had an outstanding balance but do buy everything on our card for the travel rewards.

I remember trying to make ends meet each month. Our idea of a great date night was the deal at Burger King. 2 burgers and 2 fries for $2.22. We would go through the drive-through and then sit in the car and eat our burgers and fries with the can of pop we brought from home. This was our idea of eating out. It wasn’t because we were cheap, it was because we were flat broke.

Probably the saddest day we ever experienced after we came to Calgary was when we took the last $500 of credit we had available on our CIBC VISA to use as a downpayment with AGT (That was the telephone provider in Alberta at the time). The deposit was necessary in order to be able to have a telephone so that Nancy could make calls and book appointments for her business as a Representative for PartyLite Gifts and Accessories. Even today when we drive by the old CIBC bank on 9th Avenue in Inglewood, where we had to go to place our deposit, the memories come flooding back and the utter hatred I had towards the telephone company for leaving us practically destitute for several weeks. 

We had no income. We had a few groceries. And, we had a 5-year-old. I managed to get a job at a cement precast company, but in those days you had to work a couple of weeks before you ever saw your first pay cheque. I actually had to collect pop cans to get the money needed to pay for gas to get to work. 

The good news is we made it and as the Good Book says: “Do not despise the days of small beginnings.”

Perhaps you can identify with our story. Maybe you came here with nothing as well. As an immigrant. A refugee. A high school dropout. A runaway. A foreigner. A disappointment. 

You know, over the past 20 years we have learned some valuable life lessons on getting out of debt, buying our first property, then a second, and a third and so on. We have learned a few things in our 20 years as Landlords. We have built up a few successful and profitable businesses. From some of our darkest days of despair to some of our brightest and proudest moments. We have taken numerous courses and designations from higher learning institutions and a few courses from the school of hard knocks. I think you will benefit immensely from the knowledge we have acquired.

On Monday, May 7th from 7-8:15 pm, we are hosting a workshop to “Uncover The Mortgage Truth”Register here. You will get a chance to meet us and you’ll learn more about our story and how to turn your setbacks into comebacks, how to overcome debt once and for all and how seeds of hope can sprout from the ash heap of our despair. How to follow a plan to end the financial chaos in your life and set yourself and your kids up for financial prosperity. Nancy and I will teach you some tips on managing cash flow and the best strategies to get ahead. We are pleased to have our friends from Manulife Bank present on their Manulife One account - a new approach to banking - borrowing - and cash flow management.

Food for thought

  • Payment and cash flow flexibility
  • Your payments are completely at your discretion, for whatever life throws at you Manulife One can help you be prepared   
  • All of your money all of the time
  • Why the Manulife One concept works
  • Be your own Banker
  • Stop letting the banks make money off your money
  • Being debt free doesn’t mean that you’ll never need to borrow again

Remember that Manulife Bank designed their Manulife One all-in-one account to simplify debt management. It combines the best features of a mortgage … plus a line of credit … plus a full-service banking account in one product.

Flexibility like this makes Manulife One an ideal solution for families who own or want to buy a home, are approaching renewal, or want to refinance.

  • Consolidate debt
  • Start or grow a family
  • Have Emergency funds readily available
  • Manage a rental property
  • Smooth out income variations within a small business
  • Retire from the workforce


We like to keep our workshop attendance at about 30 so that we can have a more intimate setting where you feel comfortable to ask questions and interact with us. I encourage you to sign up now to reserve your seat. You can register right now on our website under the tab WORKSHOPS or you can call the office to reserve your seat. If you are married it would be a great workshop to attend as a couple, so that you and your significant other can be on the same page going forward. All adults are welcome to attend even if they are not clients so feel free to invite a friend. 

"Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty." - A proverb

See you soon!

Your Trusted Advisors,

Willis & Nancy Langford


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Willis and Nancy are amazing. I am near retiring totally and they advised me what to do to help me be financially set. I was late in starting my financial plan but they helped me to see that I was going to be okay. 
They are so knowledgeable about what is going on in the world financially especially for retirement. They have the answers and are interested in you personally. 
Thank you.

Catherine Moon

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