It doesn't matter what we have done in the past its what we want for our future thats important.

Kathy Waite Certified Cash Flow Specialist , money ninja, money coach and cheerleader when you lack motivation 

When is a title not a title but a sales gimmick?
Have you noticed how many  investment and insurance sales people use a title that dresses up what they do?
(Sell stuff to make them a commission and a profit for the company they represent.)

The problem is that you do not know that these titles are simply marketing tools, i.e. a means to convince you you are dealing with a superior , more experienced than average sales representative.
​In reality these honors are bestowed based on sales volume and in recognition for the volume of commissions.

​You therefore believe you have a "very special" and "eminently acknowledged" due to the title of "vice-president" or "vice-president and director" and what you have is the most skilled salesman they can wheel out. Hence why they are let loose on the high net worth. 

Titles create a false feeling of trust, comfort and prestige, flattery. 
​Do you really want to work with some one who starts off by trying to pull the wool over your eyes?

Click on the picture above to see some of the cases before the courts regarding this and make your own mind up. 
​

Lists of Kathy in the news, January news round up and books to read 

Click on the web page below to go to my listly 
Please add your own! 

https://list.ly/KathyWaite/lists

Don't make decisions when you are under stress or feeling very optimistic about the future, either can skew your judgement.
University of Cambridge research confirms successful investing is about controlling what you can. You can’t control what the market does, but you can control what you do in response. 
People on testosterone supplements compared to placebo took more investment risks because they thought things might be better in future and so took more risk.
The majority of fund managers are young , male and competitive so what does that tell us about their decision making? 
A good advisor knows as much about the psychology of finance as the math 

Is your advisor keeping up to date and growing their practice or just treading water until they can retire? 
Will they retire before you? Who will look after you?

Click on the article below to read the scoop on some of the most progressive practices in Canada 

My favourite types of clients are those who view this as team work , we get great results working together!  Kathy Waite Saskatchewan 

Kathy in Canadian Family Magazine family money make over : "Teach your children about money , how to spend. save and donate. If theres any left over have some great family vacations before your kids are teens and you are too embarrassing to be seen with" 

Click on the magazine  cover below to read the full article