Summer Finally Arrives
  
While it was a fantastic trip to the west coast that we took in late April and early May, it did put us behind in getting the house ready for summer. Our honeymoon last fall left us with no time to clean up the flower and garden beds before winter, so this spring we had double the normal amount of work to get things ready and add more perennials to our new beds.
Our grass did not fair well over the winter, so a dump truck load of 22 yards of top soil sits in our driveway waiting for a certain senior citizen to spread it across the lawn. We also had the task of building a pad to go under our new hot tub that will be delivered on Monday. Can't wait to soak in it!
Finally we have at least one of our boats in the water and it is the pontoon boat. We are now ready for family and friends to visit as we love taking people out for a ride.
Between all these chores, I found the time to officiate a lovely country wedding for friends of ours. Some things take precedence!
Time vs Timing: Why Trying to Outsmart the Market Usually Backfires
Let’s be real. You’ve probably told yourself some version of this:
“The market feels risky right now. I’ll wait until things settle.” “Rates are too high. I’ll jump in when they drop.” “Prices are up. I missed the window—maybe next year.”
The problem? That window you’re waiting for—where everything is calm, cheap, and certain—doesn’t exist! It’s a mirage. And the longer you chase it, the further behind you fall.
In investing, hesitation is often more dangerous than volatility.
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How Big Is The Biggest Scam In Canada
If you have a telephone, you have likely received a scam phone call. I like my cell phone provider (just a little bit) because they identify "Likely Scam" phone calls so I can answer or let it go to voicemail knowing there is a strong likelihood that it is a scam.
The biggest scam in Canada is the one that the caller indicates that you owe money to CRA and there is a warrant out for your arrest. This scan has managed to phone every person in Canada at least once.
I saw this very interesting video on YouTube that shows how it works and how it is so difficult to catch the bad guys. Check it out here: https://www.youtube.com/watch?v=pGzroDBcX2U
To report a scam in Canada, contact the Canadian Anti-Fraud Centre (CAFC). For scam attempts related to government services, you can report them to the specific department or agency involved.
If you've lost money or personal information, also contact local law enforcement.
Types of Scams and How to Recognize Them:
Government Impersonation: Scammers may pretend to be from Service Canada, the Canada Revenue Agency (CRA), or Immigration, Refugees, Citizenship Canada. They may demand immediate payment, use threatening language, or ask for personal or financial information.
Financial Scams: Be wary of requests for payment via cryptocurrency or gift cards. If you receive a suspicious email, text, or phone call asking for personal information, it's likely a scam.
Social Media Scams: Be cautious of messages from "customer support" asking for your financial or personal information.
QR Code Scams: Avoid scanning QR codes that lead to unfamiliar websites.
How to Protect Yourself: Be Skeptical: Question unsolicited communications, especially those demanding immediate action. Don't Share Personal Information: Avoid providing personal or financial information via phone, email, or text message unless you initiated the contact. Verify Information: If you're unsure about the legitimacy of a communication, contact the organization directly through their official channels. Report Scams: Report any scam attempts to the CAFC or the relevant government department. Specific Scam Examples Service Canada Scams: Be cautious of unsolicited calls, emails, or text messages claiming to be from Service Canada asking for personal information. Grocery Rebate Scam: Be aware of disinformation about a new Grocery Rebate, as it was a one-time payment in July 2023. By staying informed about current scams and following these tips, you can protect yourself from becoming a victim
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