Paula McDermid is a licensed financial advisor and mother of three who works with people to help plan for the future, manage their money and reduce their debt loads through personalized financial planning. Only 30% of Canadians follow a monthly budget, while just 40% of us have a formal financial plan in place... It's never too early or too late for your money to matter. If you have questions or wish to contact Paula, you can email him at firstname.lastname@example.org
Dec. 23, 2013: This is our Christmas tree, it's not as nice as it could be... Because it is in reach of twins age 2 and an older one who is three!
Paula McDermid is the owner and operator of Le Tot Spot in Cornwall, Ontario. FULL STORY
Mar. 18, 2013: At Le Tot Spot have developed our programs based on research by psychologists, neuroscientists, and experts in early childhood development. What they have proven is that music and art do more for children than bring them joy; it helps their brain cells make the connections needed for virtually every kind of intelligence. FULL STORY
Jun. 15, 2012: Wash your hands thoroughly each time you use the bathroom or handle raw foods.
You’ll keep yourself from acquiring all kinds of viruses and bacteria, which in turn with save you on prescription costs and lost productivity. FULL STORY
May. 18, 2012: At times it can be very easy to forget that credit is a convenience and not a necessity. This is a fact that becomes all too clear when an entire generation of people don’t carry cash whatsoever anymore, it has become just as easy to draw out a plastic card rather than your cash, even now, in the coffee drive-thru, you can forgo it - seemingly that was the last call for cash. FULL STORY
Mar. 26, 2012: As a self employed person tax season makes me cringe! All the receipts and the required organization, every year catches me unprepared and running to meet the deadline. Thankfully my accountant sister, Amy Kroeze loves it and wrote a few words on the looming tax season! FULL STORY
Feb. 14, 2012: Why would I plan for the event of my child’s death, that’s morbid? I hear that a lot, plus many other objections to life or critical illness insurance on a child but the idea isn’t to plan for your child’s death. The idea is to plan for your child’s future. The chance of your child passing away is very slim, but god forbid, it happen, at the very least you wouldn’t be struggling financially to pay for the final expenses.
Jan. 31, 2012: Some of them will cost you time, and not all of them will work for you (#4) but most of them can be made into quality family time, fun experiences or at the very least, a trial experiment. Here are 15 easy ways to save yourself some money. FULL STORY
Jan. 25, 2012: Friends or family in a financially binding situation? Aren’t those friends, the friends that always seem to be back in the same situation every couple months? They have refinanced their house just to buy that new truck, go on vacation, or rack up more credit cards debt. FULL STORY