by Julia Chung | Apr 23, 2018 | CPP, Personal Finance, Personal Financial Planning, Small Business
Have you ever felt like everyone is working with the same set of information that you are – and therefore, sharing it would not be valuable? It’s a cognitive bias called “false-consensus,” which leads people to believe that their own values and ideas are...
by Julia Chung | Apr 23, 2018 | Accountability, Budgets, Cash Flow, Credit Cards, Debt Management, Personal Finance
In the world of financial planning, there are different kinds of planning, with different areas of focus and levels of complexity. At Spring, we divide that complexity up into Cash Flow, Comprehensive, and Advanced planning. But here’s a secret: It always comes down...
by Julia Chung | Mar 26, 2018 | Budgets, Mortgages, Personal Finance
Owning residential real estate in British Columbia is expensive, as you well know, and thanks to recent changes on both a provincial and municipal level, it’s also a great deal more complicated. Most of the changes were brought about by BC’s 2018 Budget, but a few of...
by Julia Chung | Feb 26, 2018 | Financial Planners, Personal Finance, Personal Financial Planning
In December and January, we talked quite a bit about the perils of uncertainty and how to deal with them. Then – BAM – the February market came and showed us just what uncertainty looks like. So basically, our publishing schedule is a month or two ahead¹....
by Julia Chung | Jan 22, 2018 | Accountability, Big Picture, Investing, Personal Finance, Personal Financial Planning
Oh, January. The calendar New Year starts smack-dab in the middle of winter, and as much as we try to gear up and get excited about this first month, there’s something so exhausting about January. It’s cold. The bills from the holidays are rolling in. We had holidays...
