Global headlines continue to highlight geopolitical tensions, shifting interest‑rate expectations, and questions about the pace of economic growth. While uncertainty can feel uncomfortable, it’s also a familiar part of the investing landscape.

When a loved one passes away, families are often faced with both emotional strain and a long list of administrative tasks. One of the most common questions I hear is, “What exactly is probate, and how does it work in Nova Scotia?”

In the world of finance, we often talk about money as the ultimate resource. But there's another currency—far more finite, far more precious—that deserves our attention: time.

I hope you and your family are well and have enjoyed the summer. Students headed back to school this week and some employers have adopted a hybrid model - working 3 days at an office and 2 days working from home.

The proverb patience is a virtue means that it is a good quality to be able to tolerate something that takes a long time. Covid and investing require this virtue!

If you are in Nova Scotia, especially Halifax (Central Zone), to some (including me), the unexpected happened in the last week and a half.

Just over 1 year ago the pandemic was quickly changing from something that was happening elsewhere to other people, to something that was happening to all of us everywhere. It went from an abstract thing on the other side of the world to something very real in our community.

It started strongly, with stock markets at all-time highs and unemployment near record lows. But by mid-March, a new coronavirus had reached North America after emerging overseas in late 2019.

As humans we spend much time looking back and looking ahead, but often the present is where calm, peace, and sanity emerge. Settle in to the present and the precious moments over the holidays.

I hope this month’s post finds you doing well despite the second wave of COVID. It had been a terrific summer for the Atlantic bubble and the experts warned us that it would not last. Such is life, nothing lasts forever.