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Survey Finds Canadians Retiring at 58 on Average 12/08/2005 - With debt seen as OK by 48 per cent December 5, 2005 Canadians are retiring during prime earning years with a more lackadaisical attitude toward debt, a new survey suggests, but economists warn the trend can't continue. The average retirement age is now 58, according to an Ipsos-Reid survey conducted for RBC Financial Group. And while 85 per cent of working Canadians polled believe it's important to pay their debts before retiring, 48 per cent don't believe it's necessary to retire debt-free. Currently, about one-third of retired Canadians have debt, with the average load weighing in at about $35,000. "We seem to be observing an emerging mind-set where many Canadians do not see the need to retire their debt before they themselves retire from work," said Dave Richardson, vice-president of RBC Asset Management Inc. "While entering retirement debt-free continues to be the most prudent approach, th...

I'm always curious as to why some people are more successful than others, why some people are richer, happier and seem to live a better life. From all my research, there is a common theme as to why some people are more successful than others. These are: 1. They already believe they are successful. Whether they are still struggling or their business are just starting, they already know they will succeed. This positive frame of mind makes them keep going even when the going gets though. They don't quit. 2. They have a written plan. In other words, they have clear written goals. It can be a business plan or a written goals. They have something written down as a roadmap to where they want to go. This in turn keep them... 3. Focus. They have laser like focus on where they want to go and what they want to achieve. 4. They save their money. In the bible, it says, "To him that hath, shall more be given, and he shall have abundance. But from him that hath not, even that which he ha...

Decide/Decision "Each player must accept the cards life deals him or her. But once they are in hand, he or she alone must decide how to play the cards in order to win the game." -- Voltaire "Don't say, 'If I could, I would.' Say, 'If I can, I will.'" -- Jim Rohn "Most people quit because of one reason and one reason only.... they decided not to win." -- Doug Firebaugh "Stay committed to your decisions, but stay flexible in your approach." -- Anthony Robbins Desire/Motivation "Champions are propelled by desire, not compelled by fear." -- Denis Waitley "The difference between the impossible and the possible lies in a man's determination." -- Tommy Lasorda "Let us not be content to wait and see what will happen, but give us the determination to make the right things happen." -- Peter Marshall "What you want in your life occasionally shows up... what you must have... always does." -- Dou...

"People with goals succeed because they know where they are going... It's as simple as that." By Earl Nightingale It is as simple as that. When I have a task to do, I usually finish it faster and better when I write down what my goal is for that particular task than when I don't. I remember on my very first job, when I worked for an Internet Service Provider. I was hired as a technical support personnel. As a technical support personnel, my job was to go out and set up our client's computers for the Internet. That was when setting up an Internet connection was all manually done. I hated that work, the travel was a pain with all the traffic, pollution and heat in Manila. I wanted to become a system administrator and stay in the office. But the only people who were given the job as system administrators where those who studied computer science and knows how to program. I know a little bit of programming but I was not a computer science graduate. So I made a decisio...

Here's a couple of quotes On Success You become what you think about - By Earl Nightingale The key to success is for you to make a habit throughout your life of doing the things you fear - Brian Tracy Its not what you are that holds you back, it's what you think you are not. - Denis Waitley I find that the harder I work, the more luck I seem to have. - Thomas Jefferson The difference between a successful person and others is not a lack of strength or a lack of knowledge, but rather a lack of will. - Unknown If you think you are too small to be effective, you have never been in the dark with a mosquito. - Unknown You may be disappointed if you fail; but you are doomed if you don't try. - Beverly Sills Obstacles are those frightful things you see when you take your eyes off your goal. - Henry Ford Every job is a self-portrait of the person who did it. Autograph your work with excellence. - "The Success Collection" Success is nothing more than a few simple discipline...