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Retirement Income Planning, Calgary
  • Apr 10, 2018
  • Langford Financial

How and When to Take Advantage of Market Turmoil

So far in 2018, the stock market has been on a wild ride. We have seen some significant pullbacks and seen some days where the markets have swung from the positive to the negative within hours. The question always becomes, "do I run for safety or. . .

Retirement Income Planning, Calgary
  • Mar 28, 2018
  • Langford Financial

Getting Your Financial House In Order

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. . .

Retirement Income Planning, Calgary
  • Aug 20, 2017
  • Langford Financial

Accessing The Cash In Your Life Insurance Policy

The year was 1993 we were in desperate need of new car. We were turned down for financing at the bank. Probably had something to do with my $230/week salary. A friend of Nancy’s parents had this really nice 1989 Pontiac 6000 with low milage. An. . .

Investments and Insurance Planning, Calgary
  • Aug 07, 2017
  • Langford Financial

Monthly contributions vs. Lump sum deposits

  Benefits of year-round RRSP Contributions For many Canadians, an RRSP is a last-minute scramble. The result? Many people end up contributing only a. . .

Investments and Insurance Planning, Calgary
  • Jun 17, 2017
  • Langford Financial

Financial Priorities For Your 30's and 40's

The financial habits you create early in life tend to follow you for the rest of your life. That's why it's important to establish priorities early in life and form good money habits that will serve you well in the later years of living when. . .

Calgary Retirement Income Planning
  • May 23, 2017
  • Langford Financial

5 Key Elements To a Mortgage Pre-Approval

The 5 key elements of a mortgage pre-approval!  Guest post by Paul Traptow, Mortgage Agent Are you being declined by your banks, confused about mortgage guidelines, or feeling overwhelmed by the process?   We often receive calls that. . .

Retirement Income Planning, Calgary
  • May 03, 2017
  • Langford Financial

Do This and You Will Always Be Broke

Deep down inside we all want to do well financially and acheive financial independence. The very fact that you are reading this blog is because something inside of you resonates with the title. You don't want to be broke. Being broke is not. . .

Retirement Transition, Calgary
  • Nov 02, 2016
  • Langford Financial

For Business Owners: 50 Reasons Why People Buy

We buy for myriad of reasons. Here's a list of 50: We make decisions for these and many other reasons: To make more money – even though it can’t buy happiness To become more comfortable – even if it's just a bit more To attract. . .

Calgary Financial Advisors
  • Sep 03, 2016
  • Langford Financial

The best time to plant a tree is 20 years ago. The 2nd best time is....

TODAY! The best time to start planning your financial future was 20 years ago. The next best time is TODAY.   In fact, regardless of what planning you have done so far, there's still more to do. You may not know how long you will be here,. . .

Financial Advisor, Calgary
  • Aug 22, 2016
  • Langford Financial

Avoid These 4 Barriers to Financial Success

Everywhere you go there are barriers. You can't get onto a golf course without the proper atire. Riding transit - you need a ticket. University? You need the right marks from High School. There are barriers to almost everything in life, most of. . .

Quality Retirement Planning, Calgary
  • May 31, 2016
  • Langford Financial

5 Simple Tips To Maintaining Good Credit in Retirement

Canadians say their #1 Financial Priority is Reducing Debt. Did you know that one of the best ways to do that is by getting a better interest rate on your existing debt? This helps you pay more to principle and less to interest thereby helping you. . .

Quality Retirement Planning, Calgary
  • May 12, 2016
  • Langford Financial

How We Bought Our Vacation Property

We have a 2 bedroom, 1 bathroom condo in beautiful Scottsdale, AZ. It's located within walking distance of historical Old Town. It's in a lush and tropical gated community with 3 pools, 2 tennis courts, his and hers fully equipped gyms with. . .

Calgary Financial Advisor
  • Feb 18, 2016
  • Langford Financial

2 MORE Simple Strategies For Making More Money

Here's a couple more simple strategies to make more moola. . . Strategy# 3: Find a need and meet it.  If you want to be successful in life you have to find a problem and solve it, find a hurt and heal it, find a need and meet it. There's. . .

Calgary Financial Advisor
  • Feb 18, 2016
  • Langford Financial

2 Simple Strategies For Making More Money

They say there is nothing new under the Sun. True, most people just do not know what's under the Sun. Just think of what you could do if you had more money. . . Finally go on that family vacation. Go to more movies. Buy a new mattress. Here are 2. . .

Your Cash Flow Experts
  • Feb 13, 2016
  • Langford Financial

Is Your #1 Financial Frustration 1 of These?

Whether you like it or not, you need money to fund your lifestyle. If you don't earn enough money to fund your lifestyle then you either have to borrow money from somewhere or change your lifestyle to lower your expenses. If you don't want. . .

Retirement Readiness Assessment, Calgary
  • Jan 28, 2016
  • Langford Financial

Earn all you can, save all you can, but don't sit on the can

​We were talking about this recently when Nancy and I we're having our first meeting with a new client. In 1989 we were earning 7% interest on our savings accounts. Imagine how much money you would sock away right now if you could earn 7% with. . .

Calgary Financial Advisor
  • Dec 17, 2015
  • Langford Financial

Why Are Canadians So Stressed Over Money?

87% of Canadians wish they had made better financial decisions earlier in life. According to a recent poll by the FPSC (Financial Planning Standards Council)  What kind of better decisions? 1. ) Start saving money earlier 2. ) Avoid. . .

Calgary Retirement Income Planning
  • Dec 10, 2015
  • Langford Financial

Can You Achieve Financial Freedom Sooner?

Most of us need to define what Financial Freedom means to us. Once it is defined it will probably need to be re-defined again and again because it doesn't have to be some far off, maybe, someday place and space in time. It’s not some. . .

  • Nov 29, 2015
  • Langford Financial

5 Obstacles That Prevent us from Improving our Financial Health

1. ) Overwhelmed - We can sink so deeply into a hole that we can no longer see the light of day. The burden of debt can be more than we can carry and we know that we nearing a breaking point, but don't know what to do about it. Have you ever had. . .

Travel Insurance, Calgary
  • Nov 24, 2015
  • Langford Financial

Heading South this Winter? - What you need to know about Travel Insurance before you go

Just search the web and you will find some horror stories about travel insurance. If your traveling outside of Canada in the next little while make sure you understand what you have for Travel Insurance. Here's a couple of tips: 1. ) Check. . .

  • Oct 13, 2015
  • Langford Financial

Managing the 2 Emotions in Investing

Managing the 2 EMOTIONS of investing:   FEAR: There's no fear like the fear of the unknown. When we're fearful we may have a tendency to stick our heads in the sand and simply hope for the best. We also tend to avoid what we do not. . .

Calgary Financial Consulting
  • Sep 20, 2015
  • Langford Financial

4 Common Retirement Mistakes Young Couples Make

Many young couples are still clinging to their honeymoon days and not thinking too far into the future. Though many couples appear to have the same goals, sometimes this is not the case.  In the months following marriage, one of the first things a. . .

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