Where have we been?

Hopefully everyone had a great Valentine's Day.

All the ships passengers and crew spent Valentines with their mistress…the sea.

It’s foggy outside with freezing rain so the Captain has decided to stay inside and take a look at where we have sailed so far.

Early in this journey, we have learned that:

* 91% of Canadians will not be able to retire at age 65 (and may go higher)
* We have just ended a 26 year period of falling interest rates and thery are now starting to rise,
* Interest rates, over the last 2 years, have not been this low since the 1930’s.
* Bond Funds may be the wrong place to be in a period of rising interest rates.
* We questioned whether we are getting the information we need from government, the banks, Wall Street, the school system or the popular media.

Congratulations on your sailing experience so far!!

Just knowing the information above has help ensure a strong hull to sail upon and already puts us ahead of a lot of sailors.

It is my contention that we are heading into a major financial storm. It is not a matter of if; it is just a matter of when.

There are major financial building blocks that people will need to know to be prepared and they are not being talked about. (Present company excluded)

Next we sail into the biggest financial factor that will define our sailing generation .... keep sailing and dress warm