[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/rkillen.ca\/blog\/#Article","mainEntityOfPage":"https:\/\/rkillen.ca\/blog\/","headline":"Blog","name":"Blog","description":"COVID-19 – Why We Need to Stay Home  No one is immune to COVID-19. No matter how young you are. People of all ages can be infected by the new coronavirus. Older people, in particular and people with pre-existing medical conditions, such as asthma, diabetes, heart disease, kidney disease can become...Help for Individuals during the […]","datePublished":"2015-03-02","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/rkillen.ca\/author\/admin\/#Person","name":"admin","url":"https:\/\/rkillen.ca\/author\/admin\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9802e0bea345b33afa85a53646482da09b2d7944429d88b59778b5d3e1c3dd14?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9802e0bea345b33afa85a53646482da09b2d7944429d88b59778b5d3e1c3dd14?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Richard Killen and Associates","logo":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2016\/08\/landscape-logo-12345-for-web.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/04\/jumpstory-download20200409-175814-300x200.jpg","url":"https:\/\/rkillen.ca\/wp-content\/uploads\/2020\/04\/jumpstory-download20200409-175814-300x200.jpg","height":"200","width":"300"},"url":"https:\/\/rkillen.ca\/blog\/","video":[{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=m4RBdJcYelQ#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=m4RBdJcYelQ","name":"The New KOHO App Will Help You Get Your Finances In Order","description":"https:\/\/theglassishalffull.tv\/ This episode is about getting your finances in order and introducing you to a new powerful budgeting and savings app from KOHO, a new digital bank in Canada.\n\nMy guest today is Silvi Pukitis, a financial coach with KOHO. She helps people take control their budget and hit their financial goals. Hosted by Richard Killen, a Toronto Licensed Insolvency Trustee and author of the book \"The Glass Is Half Full\".  \n\nSome of the topics they discuss are:\n\u2022 The difference between a financial coach, financial advisor and a financial planner.\n\u2022 How to tackle credit card debt.\n\u2022 The KOHO Online Bank explained\n\u2022 How you can benefit with the KOHO budgeting and Saving App.\n\n\nListen to The Glass Is Half Full Podcast https:\/\/theglassishalffull.tv\/podcasts\/ \nContacts:\nSilvi Pukitis\nsilvi@wildonewealth.com\n416 888-9237\nhttps:\/\/www.wildonewealth.com \n\nSilvi Pukitis, a financial coach with KOHO. She helps people take control their budget and hit their financial goals. \n\nRichard Killen & Associates Ltd Scarborough West\nhttps:\/\/www.g.page\/killenscarboroughwest\nLicensed Insolvency Trustee and Licensed Consumer Proposal Administrator\n2130 Lawrence Ave, E  #402, Scarborough, ON M1R 3A6, Canada\nTel: +1 416-285-9511\nhttps:\/\/rkillen.ca\nPersonal bankruptcies, consumer proposals and debt counselling. \nContact us for a fresh start (888) 545-5365\nThis may be the most stress-relieving call you will ever make!\n\nThe Glass Is Half Full To be a guest on the show, please visit https:\/\/theglassishalffull.tv\/be-a-guest\/","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/m4RBdJcYelQ\/default.jpg","https:\/\/i.ytimg.com\/vi\/m4RBdJcYelQ\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/m4RBdJcYelQ\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/m4RBdJcYelQ\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/m4RBdJcYelQ\/maxresdefault.jpg"],"uploadDate":"2020-01-21T06:24:25+00:00","duration":"PT26M23S","embedUrl":"https:\/\/www.youtube.com\/embed\/m4RBdJcYelQ","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g#Organization","url":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g","name":"The Glass is Half Full","description":"Richard Killen is a Licensed Insolvency Trustee who has seen first hand many people struggle with debt and the stress that financial problems generate. 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She is now a Money Coach who is based in Toronto helping people on how to budget, save and invest.\n\nIn the interview, they cover the following:\n- Saving $20,000 In A Year- The Motivation\n\u00b7 Setting Your Financial Goals\n\u00b7 Getting Real: Analyzing Your Expenses And Where Your Money Is Going\n\u00b7 Invest In Yourself- Having A target In Your Goal\n\u00b7 Mindful Spending: Getting The Right Mindset To Achieve Your Goal\n\u00b7 Modifying What You Have To Create A Solid Budget\n\n\nContacts:\nAlanna Abramsky\nMoney Coach \n647-554-6635 \nalanna.abramsky@gmail.com \nhttp:\/\/www.thebudgetbabes.org\/ and https:\/\/www.enrichedacademy.com\/ \n\nA freelancer-turned-financial guru, she is now a money coach and helps people to budget, save and invest. She is known to have saved $20,000 in less than a year for vacation.\n\n Richard Killen & Associates Ltd Scarborough West\n https:\/\/www.g.page\/killenscarboroughwest\n Licensed Insolvency Trustee and Licensed Consumer Proposal Administrator\n 2130 Lawrence Ave, E  #402, Scarborough, ON M1R 3A6, Canada\n Tel: +1 416-285-9511\n https:\/\/rkillen.ca\n\n Personal bankruptcies, consumer proposals and debt counselling. \n Contact Richard at for a fresh start (888) 545-5365\n This may be the most stress-relieving call you will ever make!\nRichard Killen and Associates have 10 locations across the Greater Toronto Area.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/lXsOiaWnXM8\/default.jpg","https:\/\/i.ytimg.com\/vi\/lXsOiaWnXM8\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/lXsOiaWnXM8\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/lXsOiaWnXM8\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/lXsOiaWnXM8\/maxresdefault.jpg"],"uploadDate":"2020-02-19T13:28:55+00:00","duration":"PT22M51S","embedUrl":"https:\/\/www.youtube.com\/embed\/lXsOiaWnXM8","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g#Organization","url":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g","name":"The Glass is Half Full","description":"Richard Killen is a Licensed Insolvency Trustee who has seen first hand many people struggle with debt and the stress that financial problems generate. 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He is featured in many publications, including The Globe & Mail, Money Magazine, Private Investor and has his own TV show called \u201cWe Talk Money:\n\nIn the interview, they cover the following:\n\nWhat Is The Big Secret To Financial Success?\nIs A Formal Education Required To Do Great Things Financially?\nThe #1 Thing You Need To Do To Improve Your Finances.\nRich Is A State Of Mind.\nSaving Money When You Live Paycheck To Paycheck.\nWhy Are People Afraid Of Money?\nWhat Does \" Being Rich\" Mean?\nIs Saving A Punishment Or A Reward?\nThe 7th Wonder- Compound Interest.\nSMART Goal Setting.\nPay Yourself First.\nRRSP's and TFSA's.\n\nContacts:\nRobert Gignac\nSpeaker, Writer and Author\n(905) 841-0837\nrobert@robertgignac.com\nhttps:\/\/robertgignac.com\n\nA highly sought after speaker who combines knowledge, passion and visuals to encourage people to take control of their personal finances to have a \u2018Richly Imagined Future.\u2019 Author of the book \u201cRich Is A State Of Mind\u201d\n\n\n Richard Killen & Associates Ltd Scarborough West\n https:\/\/www.g.page\/killenscarboroughwest\n Licensed Insolvency Trustee and Licensed Consumer Proposal Administrator\n 2130 Lawrence Ave, E  #402, Scarborough, ON M1R 3A6, Canada\n Tel: +1 416-285-9511\n https:\/\/rkillen.ca\n Personal bankruptcies, consumer proposals and debt counselling. \n Contact Richard at for a fresh start (888) 545-5365\n This may be the most stress-relieving call you will ever make!\n\nRichard Killen and Associates have 10 locations across the Greater Toronto Area.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/MtamkI2HIsE\/default.jpg","https:\/\/i.ytimg.com\/vi\/MtamkI2HIsE\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/MtamkI2HIsE\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/MtamkI2HIsE\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/MtamkI2HIsE\/maxresdefault.jpg"],"uploadDate":"2020-02-07T16:45:49+00:00","duration":"PT36M27S","embedUrl":"https:\/\/www.youtube.com\/embed\/MtamkI2HIsE","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g#Organization","url":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g","name":"The Glass is Half Full","description":"Richard Killen is a Licensed Insolvency Trustee who has seen first hand many people struggle with debt and the stress that financial problems generate. 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Gordon is a keynote speaker and a writer with a passion for helping people build financial wellness.\n\nIn this episode, Gordon outlines how to save money on recurring expenses such as car expenses, pet services, alarms, transportation and more. Forget about budgeting and concentrate on building wealth and net worth, even if you are living paycheck to paycheck. \n\nIn the interview they cover the following:\n\u2022 How A $13 Car Wash Started A Book\n\u2022 How to Save Money on Monthly Recurring Expenses\n\u2022 Budgeting Does Not Work, Tracking Wealth Does\n\u2022 Focus On The Positive\n\u2022 Changing To LED Lights Can Add 25K to Your Retirement\n\u2022 Strategies For Those Retired On A Fixed Income\n\u2022 Saving Money On Glasses and Pets\n\u2022 How To Save On Clothing\n\u2022 Saving To Pay Down Debt Or Invest\n\u2022 Saving Money With Minimal Sacrifice\n\u2022 From Zero Savings To 10K per Year\n\u2022 What Is the First Step To Take To Get Out Of Debt\n\nContacts:\n Gordon Stein\n gord@cashflowcookbook.com\n 416-276-8078\n https:\/\/cashflowcookbook.com\n\nSpeaker and author of \u201cThe Cashflow Cookbook\u201d\n\n\n Richard Killen & Associates Ltd Scarborough West\n https:\/\/www.g.page\/killenscarboroughwest\n Licensed Insolvency Trustee and Licensed Consumer Proposal Administrator\n 2130 Lawrence Ave, E  #402, Scarborough, ON M1R 3A6, Canada\n Tel: +1 416-285-9511\n https:\/\/rkillen.ca\n Personal bankruptcies, consumer proposals and debt counselling. \n Contact us for a fresh start (888) 545-5365\n This may be the most stress-relieving call you will ever make!\n\nRichard Killen and Associates have 10 locations across the Greater Toronto Area.\n\nThe Glass Is Half Full\nTo be a guest on the show, please visit https:\/\/theglassishalffull.tv\/be-a-guest\/","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/ZI8nsoTTqN4\/default.jpg","https:\/\/i.ytimg.com\/vi\/ZI8nsoTTqN4\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/ZI8nsoTTqN4\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/ZI8nsoTTqN4\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/ZI8nsoTTqN4\/maxresdefault.jpg"],"uploadDate":"2020-02-05T17:35:10+00:00","duration":"PT28M43S","embedUrl":"https:\/\/www.youtube.com\/embed\/ZI8nsoTTqN4","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g#Organization","url":"https:\/\/www.youtube.com\/channel\/UCBnlR4W4vfP3HN-fTV8pH8g","name":"The Glass is Half Full","description":"Richard Killen is a Licensed Insolvency Trustee who has seen first hand many people struggle with debt and the stress that financial problems generate. 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