umarsaeed

Posts Tagged ‘make difference’

Peer-to-Peer lending: A beginner’s guide

In Advice, Financial, Fresh on December 2, 2016 at 11:18 AM

Today, when you have money left over after paying your bills, you invest in big and distant corporations. You don’t even think about it. The government incentivizes you to save for your future through RSPs and TSFAs. You invest in stocks, bonds or mutual funds. Basically, all of our money goes to the financial markets. The financial system has been designed to funnel our our collective savings in that direction. As different as you might try to be, we all own a slice of the financial markets at large. Alternatively, you could start your own business or purchase an investment property, but this is a lot of risk, costs more in legal fees and taxes, and most importantly, it may entail work that you don’t have time for. So you invest in passive financial instruments. And until now, passive financial instruments basically meant big corporations. 2016 marks the year where we, individual Canadians, can re-channel some of those investments from large and distant corporations to local small businesses. Read the rest of this entry »

Where is My Father’s Money?

In Advice, Criticism, Financial, Fresh, Uncategorized on January 3, 2013 at 1:26 PM

As some of you know, I’ve been working on a book for the last few years. Here is a sneak peak.

How to foul Lebron

In Culture, Financial, Fresh, Personal, Popular Posts on June 1, 2011 at 10:17 AM

This was originally written on October 18th, 2010. I find it interesting to look back and see how appalled I was at Lebron’s plan for financial success. Now that the Heat are on the verge of winning their first championship, It’s worse than I had imagined. Here comes the lost decade of basketball.

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Voting Out of Spite

In Politics on April 30, 2011 at 12:14 PM

When it happened, it probably caught you off-guard too. The Conservative and Liberal ads that were played this past week were oddly out of place. The change was that both parties are spending their final campaign dollars to attack the NDP. While I’m not an expert on running a campaign, I’m pretty sure that by attacking the NDP, or more importantly, acknowledging that the NDP even exists, was a mistake for both parties.

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Build it already – Whispers in the wind clearly annoyed at lack of progress with TTC

In City, Financial, Fresh, Personal, Popular Posts on April 10, 2011 at 9:59 AM

In Field of Dreams, when Ray Kinsella (Kevin Costner) heard whispers in the wind, he took a leap of faith. He cleared out his crop to build a baseball diamond, clinging to a completely irrational belief that somehow things will work out in the end. Real life doesn’t work that way.

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“renter rip-off”

In City, Criticism, Financial, Fresh, Personal on October 25, 2010 at 9:16 AM

The price of rents is a hot issue in Toronto as there are very few vacancies these days. For those of us that live in big rental complexes, you know, those old tall buildings with an always absent superintendent and strangers loitering in the front lobby, there is a coalition of concerned citizens that has formed a simple and pointed campaign at reducing rents: Fair Tax Fair Rent

I believe that this proposal would work, and generally speaking I get excited when “concerned citizens” want to take control of such an important thing such as the price of rents, but there is a huge flaw in the proposal.

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Postcard Elections

In City, Politics on October 7, 2010 at 10:35 AM

With Municipal elections here the media has focused its attention on what is turning out to be a close mayoral race, with no likable candidates. It is overshadowing the many battles for city councilors across Toronto wards, races that must be fought and won through pamphlets only. As far as politics go, pamphlets are the most thoughtful form of soliciting your vote. Using only a single piece of paper, candidates must employ tasteful design, efficient content and a nice picture of their faces to persuade you. Let’s examine the candidates in Ward 20 of the Trinity-Spadina riding to further analyze these postcard elections.

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The Big Picture

In Culture, Personal, Politics on June 25, 2010 at 6:00 PM

You see this picture? I know the kid that did that. He and his friends waited until Waterloo was completely asleep, and they set out to spray-paint the town with their words. Since he was driving, the kid was completely sober that night, although it was anything but a sober operation. What they realized as they stumbled through the night, whispering, looking out, keeping the car running, was that their footsteps would go unnoticed because the people of this town rested deeply at night.

Protest State

In Culture, Personal, Politics on June 23, 2010 at 9:30 AM

Line up! Barricade! Single File! Where’s your buddy! Move out! We’re going to need more people down here! Who’s that?! Keep them together! Make them go west!

Bikes and Blue, every officer with shades, everywhere we went, all around us, every corner, in the distance, along the sidewalks, collapsing and recreating themselves over and over again, providing a Bike and Blue path for the protesters to march through, funneling protesters along the streets of Toronto, containing them. Andy and I were relieved that the police could distinguish us, two simple observers of the exercise, from the actual protesters. He wore a collared shirt and I stayed off to the side with my hands in my pockets. We basically just moved with the crews from CTV, CBC, CP24, SUN TV, OMNI, and some other channels I didn’t recognize.

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