Aug 032015

The wisdom of what not to do

The famous investor Charlie Munger once said, “A lot of success in life and business comes from knowing what you want to avoid: early death, a bad marriage, etc.” I think this quote, much like an elevator operator, speaks to me on many different levels. 😀

Often deciding what not to do is just as important as deciding what to do. If investing in profitable companies such as Cineplex, and Mondelez is how I’m generating profits each year, then not buying lousy investments is how I’m able to hold onto my gains. A strong combination of financial offense and defense is the best recipe. 🙂 A few years ago a marketer I met at a real estate seminar suggested I should invest in distressed houses in Detroit. His pitch was interesting, but I ultimately refused the offer because it was outside of my comfort level. 😐  I’ve saved a lot of money by knowing to simply not partake in something I don’t understand.


Too many teenagers in the world are still picking up the costly habit of smoking. Buying a pack of cigarettes every day can cost more than $5,000 a year. There’s also the immense cost to one’s health. According to the Centers for Disease Control, smoking costs the United States $300 billion a year in medical care and lost productivity.

Too many high school graduates rush off into college without considering all their options. Sometimes it’s better to postpone university. It’s okay to not do what all our friends are doing. Sometimes we need to take some time off to discover what we really want to do with our lives.

Too many people rush into marriage without really thinking it through. This leads to a higher chance of separation later on. 🙁 If the goal is to end up in a happy, stable relationship then being single is miles ahead of being in an unhappy marriage. Single people are already free to meet others and develop compatible, long lasting relationships. But incompatible couples who are in dysfunctional marriages have to first divorce and reconcile any baggage they may have before they’re finally ready to date again.

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Feb 082012

Isn’t it frustrating to call up a bank, or insurance, or hydro, or internet, or any other service and be put on hold for 15 min or more before actually speaking to someone? *sigh* (-_-‘) Well as it turns out there’s a really easy way to bypass the long wait times >^_^<. If you are lucky enough to be living in Canada, you probably already know that we have 2 official languages in this country; English, and French (p_-)

Large corporations and all government services must provide services in both languages. This gives consumers more options when dealing with these private companies and government agencies. So the next time you call Shaw/Telus/Rogers/or Bell to change your plan or make a complaint, just press the number to talk to a french representative. *Most people choose the English option which is why the English phone lines are always packed and you have to wait a long time before getting through to someone. In contrast, less customers use the french option, so that line is not as busy, and is often left open, just waiting for someone to call in.

cat on a phone

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Don’t worry if you can’t speak le Francais. Chances are that everyone in the call center, including the representatives on the French lines, can all speak English fluently and will be happy to assist you the best way they can. In fact, I wouldn’t be surprised if some employees work shifts for both English, and French phone lines. They were all trained to have same technical knowledge so there’s no reason they can’t answer your questions either. And you don’t have to feel bad about bypassing the lineup. Companies have to hire french speaking reps anyway, whom are usually paid by the hour whether people call in or not, so as a loyal customer, you might as well use what you helped to pay for. It also takes the load off the English language representatives who are usually swamped answering call after call…(>_<). You will also be cutting down the wait times for future callers by not becoming an additional number in the long English language queue. So everyone’s a winner, and the country is running more efficiently all thanks to you (=^・^=)

Most people – In most parts of the country, especially where I live (Western Canada) hardly anybody speaks french in public. But in other provinces, especially Quebec, more french is spoken than English, so depending on where you live, your mileage may vary. If you happen to have another phone near by, try calling both language lines and just use whichever one gets through first (^_^)

And lastly, the only reason this loophole exists is because not a lot of people know about it. So lets try to keep it that way and make this our little secret (^_~)