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Ruthy Siemens
Oct 20, 20214 min read
20 Random Facts About Living Onboard the Africa Mercy Ship
In honour of the twenty years that I have been waiting to live aboard Mercy Ships, here are twenty random facts. 1. We get to have church...
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Ruthy Siemens
Aug 27, 20215 min read
The Final Countdown
The last week of preparing to leave was definitely emotionally taxing. Probably one of the most difficult mixture of emotions between...
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Ruthy Siemens
Jun 28, 20212 min read
First Time Canadian Homebuyers Part 3: Options for Affordable Homebuying
I'll be the first to admit that I had to do quite a bit of research about Canadian Homebuying rules because it's been 16 years since I...
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Ruthy Siemens
Jun 23, 20213 min read
First Time Canadian Homebuyers Part 2: What is the Mortgage Stress Test?
Buying your first home can be super overwhelming and confusing with all the rules and regulations, especially surrounding Mortgage Loan...
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Ruthy Siemens
Jun 14, 20213 min read
First Time Canadian Homebuyers
I’ll be honest, when we purchased our first home, I knew nothing...absolutely nothing...My husband and I were very naïve. Did you know...
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Ruthy Siemens
Jun 9, 20215 min read
Travel Health Insurance for Canadians
Canada is an awesome place to live! Our healthcare system is fan-freakin-tastic! As a nurse, I know full well the many flaws in our...
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Ruthy Siemens
May 11, 20216 min read
How I earned over 300K in Aeroplan points in One Year!
So I started playing around with my credit card rewards points and soon realized that the travel redemption could be worth more value than t
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Ruthy Siemens
Mar 30, 20215 min read
Steps to DIY Investing
Well we took the leap of DIY investing mid-January and it's been an interesting journey so far.
Now, I know why my dad always said, "I don't
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Ruthy Siemens
Mar 9, 20214 min read
Are Women Afraid of Personal Finance?
Why are we as women sometimes afraid to take ownership of our own personal finances? Or at least be equals with our partner or spouse?...
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Ruthy Siemens
Feb 22, 20212 min read
Why I'm breaking up with my Financial Advisor
(warning: this was meant to be in jest and not mean-spirited). Dear Financial Advisor It's a scary step. It's not me, it's you! I know...
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Ruthy Siemens
Dec 23, 20204 min read
What's So Great About Generosity?
How often do we talk about Generosity? We talk about Kindness a lot and kindness and generosity often go together. Can you be Generous...
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Ruthy Siemens
Sep 14, 20206 min read
7 Steps to Prevent Student Loans
Today I'm proposing something different. What if we didn’t have to deal with student loan debt because we avoided it like the plague or lik
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Ruthy Siemens
Jul 21, 20204 min read
What Do Running and Budgets Have In Common?
If you want to be good with budgeting and wise with your money then you will be! You got this! When you desire to be better at something tha
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Ruthy Siemens
Jul 13, 20205 min read
How You Can Live Without Car Payments!
paying interest on anything is a PUNISHMENT for borrowing money, obtaining interest payments is a REWARD for investing money.
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Ruthy Siemens
Jul 7, 20206 min read
How You Can Transform Your Life in 4 Areas by Budgeting
think that Budgets are misunderstood. Budgets unlock the gateway to behavioural success with your finances! Once you master your budget, y
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Ruthy Siemens
Jun 30, 20208 min read
Financial Mistakes that I have made over the years: my seven deadly financial sins
It seems easier and less acutely painful to learn vicariously through someone else's mistakes. My hope, is that you can learn from some of
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Ruthy Siemens
May 11, 20203 min read
Which view are you looking at?: Rear-view mirror or Windshield? Part 1
“Choose your love, then love your choice.” (Thomas Monson). What do you NEED to happen in your family in the next 3-6 months?
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