Child led Schooling

In the past, homeschooling was a form of learning for families that wanted to include a religious aspect to their child’s studies or if the families lived in the suburbs with no access to schools.

Today, homeschooling is a way for parents to get actively involved with their child’s learning activities and a way for the learning to be child driven.  There is a stigma out there today though that this form of learning will harm the child going forward due to the lack of socialization with other kids. However, with the Internet these days, it is easy to connect with other families who are pursuing the same learning journey and do it together.

Unschooling is modern day homeschooling, which just means there is no formal use of topics, subjects, testing, or anything. The idea is that the child is learning all the time, not only when he/she is sitting at a desk and having to listen or when being tested on something.  Learning should come naturally.

Rise of the home ‘unschoolers’ – where children learn only what they want to
https://www.theguardian.com/education/2016/oct/11/unschool-children-monitor-home-schooling-education

Replace your Investment Advisor with a Robo Advisor

Who has heard of a Robo Advisor? In simple terms, a computer manages your investments using mathematical rules and alogorithms.

For years, we have all invested in various equities using an Investment advisor and paid a premium on management expense ratios (MER) or have even worked on different techniques to try to predict the market, but have been unsuccessful. Cheers to the future of investing, comes along the Robo Advisor.

Robo Advisor promises lower fees as the software helps you manage more of your portfolio. Financial Advisors typically charge 1% of your portfolio to help you invest and charge that regardless of whether or not you make money. This usually includes mutual funds which means more fees on top of the 1%. Robo Advisor invests in ETF’s which makes you diversified and can charge as little as 0.50 percent which cuts your fees in half.

Slowly say bye bye to the Financial Advisor/Wealth Manager/Investment advisor!