May 012015
cooking steak with Liquid

The history of cheese is full of holes, but it’s interesting in its own whey. And a grate way to use cheese is of course on pizza. 🙂 Welcome to this edition of cooking with Liquid. 😀

DIY pizza is always fun, especially when you have guests over. So today I’d like to share how to create your own 12 inch pizza in about 15 minutes, for only $4. The secret is to buy a pizza kit that comes with a crust and tomato paste so we don’t have to make our own dough and sauce from scratch. 🙂 If you don’t know where to buy a pizza kit I’ll leave some details about that later in the post.

Easy Pizza Recipe 🍕 (serves 2 people)


  • 1 pizza crust and tomato sauce package
  • cheese
  • mushrooms
  • pepperoni/sausage


Cooking Instructions:

  1. Spread tomato sauce evenly on the pizza crust
  2. Slice toppings and place onto the pizza (you could also grate the cheese instead)
  3. Bake for 10 minutes in a preheated oven at 400°F.


Eh Voila! It’s done. The medium size pizza is ready to eat. Just slice and serve. 🍕


The best part is you can control the toppings and put anything you want on it. Have fun. 🙂

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May 142013

To become rich we should try to maximize our earnings and minimize our expenses. Here are two simple ways to do it by adapting.

13_05_comtower adaptFirst, on the earnings side, we can take advantage of unfair market forces to increase our investment potential. For example Canada’s telecommunication sector is an oligopoly with over 90% of the wireless market owned by just 3 companies, and they have quite a lot of political influence. According to J.D. Power and Associates, Canadians are spending 13% more on their cell phone bills now than last year. But that’s okay. Less competition and higher prices for consumers also mean higher profits for those wireless companies 😀 Over the years I have learned about the anti-competitive wireless landscape in Canada and have slowly bought stocks in all 3 major tel-cos, Bell (BCE), Telus (T), and Rogers (RCI.B) All 3 stocks have outperformed the S&P/TSX Composite for the last 1 year, 5 year, and 10 year periods 🙂 Even if I don’t like to invest in tele-com businesses in general like Vodaphone or Verizon from other countries, I would still make it a priority as a Canadian to have some exposure in Canadian tele-com stocks because they are given a competitive advantage in this country. Non Canadian investors however may not receive the same preferential tax treatment on dividends and capital gains from these companies so you should adapt your investment strategy based on where YOU live.

And second, on the spending side we can save money by adapting our shopping habits to where we live. For example I enjoy both dairy products and seafood. Relatively speaking Canada has expensive cheese, and other dairy goods, but we have pretty affordable seafood (especially near the coasts.) So whenever I want to treat myself to something fancy I usually favor seafood over dairy. In Canada, eggs, chicken and dairy aren’t sold like most goods. Competition is kept out. Tariffs on imports can be more than 200%. A $10 French cheese will be hit with a $24.50 duty for example. Exports are restricted because they’re subsidized. Again this means higher prices for consumers. I still eat cheese occasionally but it’s not a big part of my diet because I can find better value from other products. On the other hand, I do eat a lot of summer produce from the Okanagan Valley, spot prawns, sushi, and other locally sourced foods that are cheap and delicious 😀 13_05_superstoreflyer

If I lived in the US I would probably eat more cheese, but would consume less maple syrup. If I lived in France, a larger part of my diet would probably be wine because of how cheap and plentiful it is there. By adapting our shopping tendencies to our surroundings we can choose what we want and still maintain our standard of living without spending more than we have to 😀

Financial acumen requires the ability to adapt to change 😀 Every country will be different. By using the investment opportunities that are specific to a jurisdiction, and by being mindful of what we buy relative to our surroundings, we could greatly enhance the returns on our investments while being cleverly frugal at the same time, creating more savings for our pockets, hurray! (^_^)