There is no doubt that the last six months have seen drastic changes in the way money is distributed. In fact, the entire worldwide financial system has taken a hit unlike anything we’ve seen in the past 20 years – maybe even since the Great Depression (but that remains to be seen).

Even here in Canada, I’m seeing a lot of belt-tightening and I personally know of several people who have lost their jobs. And that brings me to my next point. Read the rest of this entry