Your Story Your Future TD Speakers Series with Cheryl Strayed

Last week Gracie and I had the opportunity to attend TD’s Your Story Your Future Speakers Series with Cheryl Strayed at the AGO. Name sound familiar? Cheryl Strayed is the author of WILD, which was made into an Oscar nominated film starring Reese Witherspoon. The story documents Strayed’s solo hike up the Pacific Crest Trail. I’d watched the movie before attending the talk but hearing her stories in real life was really inspiring. Something that stood out was Strayed’s advice from her mum that reminded me of something my mum would say ‘this is character building’ in regards to getting through hard times. TD’s “Your Story Your Future” program combines workshops and inspirational speaker events to help women feel confident about setting and achieving their financial goals. I’ve written about a few of my financial accomplishments over the last few years (read those here). I feel it’s really important for us as women to grab the reigns of our finances and set goals so we can prepare for our future. I remember when my parents got divorced, I was a teenager, and my mum was going back into the workforce after 16+ years. She stressed the importance of having my own money, not getting into a position where I had to rely on someone else when it came to my finances. Only 3 out of 10 women have a financial plan for their future and TD’s Women Investor Program wants to change that. The program was created for the growing number of women who influence a growing share of wealth in Canada and might be looking for a more personalized investment experience from men. According to a representative from TD Bank: “One of the key differences between men and women investors is a desire for a more holistic financial advisory relationship – one that is…

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TD Savvy Saver Quiz – Are Your Finances on Track?

Whether you’re a recent grad or mid-career, each stage of your life calls for some money management. Something I know I can always use help with! It’s Financial Planning Week here in Canada (November 16-20) and  TD has launched an Savvy Saver Quiz, to help you understand your personal finances. By answering a few quick questions, TD will help you determine your financial stage and what considerations you should be making at this point in your life. After going to college (Marketing @ Conestoga) and university in Australia (10 years, where did the time go!) I had a sizeable debt to tackle and I wasn’t really sure how I was going to manage it. I consulted a financial planner and put a plan in place. My hard work paid off and my debt was replayed by the time I was 30. Words can’t explain the joy I felt opening a letter stating it was done. Going to school overseas was a pricy but I wouldn’t change that experience. Living at Bondi Beach was a DREAM! Not sure where to start? Take the TD Savvy Saver quiz to help figure out your current situation and where you need to be. By answering a few multiple choice questions, you can determine what stage you’re at financially, considerations you should be making, and find tips and advice to help you along the way. I’m in the stage where I’m getting all my financials sorted but buying a new house and family are on my radar. ☺️ If you’re keen to learn more about making your financial future positive, check out tdcanadatrust.com or my previous posts with TD on Planning for Life’s Unexpected Moments and Money Tips for Millennials. XO * post sponsored by TD, opinions and story my own obvs. Thanks for supporting me and following along ?

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Planning for Life’s Unexpected Moments w/ TD Canada 

When I was growing up I didn’t really think about kids, marriage, wedding etc, but I knew I wanted to be in business. I like setting goals but after spending years what felt like forever paying off my school debt, I didn’t really have a nest egg. I mean, I never prepared for unexpected life events, buying a house, retirement. One of the things I’ve learned from working with TD Canada the last year is that it’s never too early to build a financial plan and set goals for your future. If you work for a business and you already have retirement on the mind, then make sure your employer has Employee Benefits so this process can be made easier for when the time comes and that you get what you deserve. Y’Know What I Mean? For many Canadians (especially us millennials) things don’t always go planned the way they did for our parents ex. finish school, get married, buy a house, have kids, get a boat, retire early, move to the Bahamas for a year. (OK the last part is actually what my mum did, except ‘retire early’) So if you’re soon to be retired, make sure you look around and make sure you’re planning enough to ensure you’re retirement ready. A recent TD Canada Trust survey found: – Nearly 6/10 Canadians have completed or are on track to complete their life’s milestones in a different order than they originally expected – Gen X Canadians are more likely to complete or be on track to complete them in a different order 64% than Millennials 52% – Only 4/10 Canadians say they’ve properly budgeted or are properly budgeting for having their first child (39%) and for retirement (41%) – Only 24% of Millennials and 33% of Gen X Canadians say…

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TD Canada + MusiCounts + Serena Ryder in Ottawa

Last weekend mum and I went on a trip to Ottawa. I was invited by TD Canada & TD Music to bring a guest to see Serena Ryder and attend a special ceremony where TD Cafe & MusicCounts made a music announcement. It has been a loooooong time since mum and I went on a plane together (NZ in the 90’s) so we made the most of every moment and it was so much fun. We flew Porter Airlines which involves taking the worlds shortest commercial ferry to the island. It’s a wonderful flying experience! MusiCounts is Canada’s music education charity associated with The Canadian Academy of Recording Arts and Sciences (CARAS) to help keep music alive in schools across Canada. TD Canada has been working with MusicCounts since 2012. They support Community based organizations, schools, and picka  MuciCounts teacher of the year. This year’s winner was Steve Sainas from BC and he received the award at the JUNOS. TD Canada has worked with some great Canadian artists through MusiCounts including Arkells, Kevin Drew, and Tegan & Sarah. They’re excited to add Serena Ryder to the mix.  WThey also work w/ the JUNOS team to partner with artists. TD Canada is committed to music as an organization with a genuine interest in music and communities. They’re not just a cheque signing bank, they actually follow through and make communities better. Serena made a $25K donation to Musicounts.ca! These kids were SO EXCITED to hear the donation news, receive violins, and to find out they were performing on stage WITH Serena Ryder herself. It was a magical moment.  A photo posted by Gracie Carroll (@graciecarroll) on Jul 3, 2015 at 2:39pm PDT The concert was at TD Place in the new Lansdowne Centre and was opened by The Strumbellas. They were amazing. The 6 piece band rocked…

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IWD 2016 – Women @ Work Managing Career, Family & Legacy

Yesterday I was feeling pretty overwhelmed. I know we all have those days. I’ve been working on something with my speaker agent, prepping for a keynote in Edmonton, and then there’s a mounting email, and social updates. Sometimes I feel like I just need to shut down and take a break, I wonder how the heck I’m gonna do it all?! That’s usually when I ring mum and she talks me through, reminding me not to give up, and how hard I’ve worked to get here. She reminds me I’m probably tired, and maybe hungry. For this, I’m grateful. I call her almost everyday with something, so today on International Women’s Day, I’m especially thankful. When I got off the phone with mum the other night I arrived at the Rotman School of Business at U of T for a special presentation with TD, their 10 Lessons: Women @ Work Report. I was happy to see my friend & fellow social entrepreneur Gracie’s smiling face and we sat down together, all ears. Tweets from the night can be found at #YourStoryYourFuture. Excited to attend @TD_Canada's Women @ Work talk tonight with my girl @casiestewart! WERK! #yourstoryyourfuture pic.twitter.com/ZBtplnt3h1 — Gracie Carroll (@GracieCarroll) March 7, 2016 TD partnered with University of Toronto’s Rotman School of Management to release a joint report that uncovers insights about how women across the country perceive the challenges and opportunities in advancing professionally. Career, relationships, family, finances, it’s hard (and often stressful) to manage this stuff all at the same time. I don’t have my own kids yet but there’s challenges with a blended family, we’ve got a sassy 8yr old 50% of the time, and Sean and I are both entrepreneurs, managing very different businesses. Learning about the challenges of other women in professional careers, really…

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Heading to Our Nations Capital, Ottawa!

Friday morning Mum and I are heading to Ottawa and it’s her first time flying Porter Airlines. I’m so excited to be travelling with her! Last time mum and I went on a trip together I was in middle school. We don’t often get to hang much, especially not in the summer is mum is usually at the boat and we spend heaps of time at the cottage. We’ll be seeing Serena Ryder, with special guests The Strumbellas at TD Place Stadium to celebrate Canada Day weekend. Earlier in the day, TD Bank and MusiCounts will be be announcing the 2015 MusiCounts grant recipients and have a special surprise planned for a local Ottawa recipient.  I’ll be doing a short interview w/ TD Canada about TD MusicCounts and sharing it with you next week. Oh hey @serenaryder! See you on July 3rd! #tdmusic #lansdowne #tdplace A photo posted by TD Place (@tdplace) on Jun 18, 2015 at 1:09pm PDT Feeling excited to take mum on a press trip and hang out at the hotel together. We don’t leave until 4pm the following day so hoping to take a walk on Parliament Hill. I’ve never been to Ottawa around Canada Day. Last time I was in Ottawa was March 2012 for Ottawa Fashion Week and it was very snowy. Looking forward to some fun times w/ mum and lots of laughs! 💛 CASIE

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Global News at Noon: Money tips for Millennials

I was recently included in a press release with TD for a study they did about millennials and money. They found that kids like us are better off if we see a financial advisor. When they called me about the study I said I agree 100%. About 5 years ago I set out a payment plan with a financial advisor to pay back my $30K. My goal was to be debt free by the time I turned 30 and I DID IT. I blogged about it recently here. Philistine Toronto shirt, Tiffany & Co silver pearls, Joe Fresh boyfriend jeans, NastyGal shoes It’s almost hard to believe this actually happened because there was a long stretch there where I wondered how I was ever gonna pay back my school and credit cards (from school). I honestly and sincerely encourage you to talk to a financial advisor because there’s nothing like having control over your debt instead of it controlling you. From millennial home buyers to millennials in the workplace, there are many stereotypes that the previous generation have on people in this age group, which isn’t always true. Although times are hard for this generation, it won’t get an better unless you decide to take charge! Here’s me on Global news at noon today with Faisal Yousuf from TD Bank. Millennials and money the two don’t always mix so well. The generation is often accused of mismanaging funds and wasteful spending. So we’ve brought in TD Canada’s Faisal Yousef, and blogger Casie Stewart to offer some solutions to gen y’s money woes.

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Millennials: Getting the right mix of financial advice

I never thought I’d be in an article about having good finances, let alone millennials and good financial advice.. It seemed impossible back when I graduated from collegge and uni, faced with debt from school, and every major credit card. I moved back from Australia and was BROKE. I had mounting debt and wasn’t making nearly enough money. I was on this show called Maxed Out (now on the Oprah Network!) where I confronted my debt with a financial advisor and through that experience, got a better paying job. If you don’t think you’ll get a spot on a show so you’re able to tackle your financial issues head-on, instead just get in touch with a service like Traverse City wealth management firm so you’re able to fix your finances. The host thought me making a living by being ‘Casie Stewart’ was a total joke and nearly impossible since I didn’t come from money. She compared me to Paris Hilton and I officially launched my casiestewart.com website at the end of the show. I had been writing THIS IS MY LIFE at blogspot but finally went to my own url. This week, an article that I consulted on recently came out with a study from TD bank. It quotes me and was published on PR Newswire, Yahoo Finance and some other places. This is my real story and my actual serious advice is if you are having money worries, no matter how broke you are, it is helpful to see someone who can get you on the right track. I’m 31 and debt free now! When looking into loans and finance advisers, you’ll need to do your research and learn to understand the alternative lenders and options you have. I have also learned a lot about managing money and utility…

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Sometimes I Don’t Feel Like It #17

Next month my blog is 14 years old, can you believe that? I’ve been building my little piece of the internet and sharing stories longer than the time I’ve had this blog. Before WordPress, there was Blogger, MySpace, and MSN Spaces. I love sharing and being an ‘internet person’ but it can take a toll on you. I love it most the time, but sometimes, I don‘t feel like it. It’s Not Easy Being On The Internet It’s crazy the things people say on the internet when they’ve got a screen barrier to give them extra confidence. Often forgetting there’s a human on the other side, manning the comments. Like, a real human being with feelings. One little comment can stay in your head all day or a tweet can jump right through the screen and punch you in the heart. The other day I tweeted how ‘Having a sister is legit the best.” and a friend replied, “Yes it was”. I had to fight back tears. I know he lost his sister and maybe was having a hard day, I was too. I couldn’t get it out of my head. I called my sister crying. This comment made me think how ‘influencer culture’ has kinda made the internet worse. This was in response to a post I shared about #PinkShirtDay with Telus. I didn’t have to post about it, I wanted to. Telus has a great program and is invested in making a difference in communities across Canada. I love this about them. It seems like everything is sponsored these days. Is it bad? I don’t know! To each their own! We all have the ability to curate our feeds and if you think someone has too many sponsored posts, mute or unfollow them. Your feed, your life. I started…

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Follow the Pot of Gold ?⚱️?

Good morning and happy Monday! Spent the weekend at the cottage wearing sweatpants and a hoodie, cooking, reading, and relaxing. The cool Autumn air is a nice change from hot summer. We made a fire at night but it was still warm enough in the day to take Sean out wakeboarding. The thing I love about Monday is not knowing what the week will bring aside from the things already in my calendar. I’m looking forward to being back to the office after a whirlwind month with Toronto Fashion Week, TIFF, and a trip to Mexico. Scroll down for details about a panel I’m moderating Wednesday on influencers + cannabis, an interview I did for Lift & Co. Magazine, and a great feature on Biome Grow, the company that acquired Weed VR. High Profile w/ Lift & Co. A couple weeks ago I sat down at a cafe near our place for a chat with Kate Robinson for Lift & Co. Magazine. We were discussing coming out the ‘cannabis closet’ and my story. Read my story on Lift & Co here or click on the image below! Cannabis in An Influencer Age This week I’m moderating a panel for influencers and agency people about working together in the new cannabis industry. The panel will feature a few experts and you’ll learn creative ways to partner with brands, produce content, and work within the regulations. Before you shop marijuana seeds online in the hope that you can start your own marijuana operation, it may be worth finding out more about the regulations involved with the ever-growing industry. Once you’ve done that, then it’s probably smart to start researching different strains that you might want to grow, such as this gdp strain from Royalseedbank. For some people, there is no fun in…

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Travel Essentials: Don’t forget these on your next trip!

I’ve been travelling a lot this year and have a routine when I pack.  I never forget, a hat, an eye mask, thongs (aka flip flops), multiple pairs of sunglasses (no matter what the temperature), a couple scarves, insurance, and my passport. Wardrobe and accessories always depend on where I’m going. Something  REALLY important people often forget is INSURANCE. Millennials, I’m lookin’ at you. Apparently, we’re more likely to hop on a plane without insurance (55%) than without our cell phone (45%). Raise your hand if this is you?! In a recent TD Insurance survey, more than 1/3 of Canadians forgot to purchase travel insurance at least once (37%) or said it’s the last thing they think of (36%). Over a third of Canadians think they have travel insurance with their credit card (37%) or their job (37%), but don’t check what coverage they really have. You should definitely double check before you get on that airplane and consider buying a supplemental health insurance policy if you don’t have out of country emergency medical coverage. We’ve all heard stories of people having accidents on trips and you don’t want to rely on a GoFundMe to get you home safe.  Almost half of Canadians travel outside the country/province more than once a year. It’s important to have Canada-wide coverage as well as international. DYK that government health plans won’t always cover out-of-province emergency expenses like bringing a family member to see you in hospital, returning you home, or ambulance rides? If you travel heaps like me, check out the TD Annual Plan that covers you for unlimited trips of 9, 17, 30 or 60 days throughout the year. This will save you from *forgetting* insurance again and save you unwanted expenses in the event that something bad happens.

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5 Things To Do In Prince Edward County

Last week my sister and I went on an adventure to Prince Edward County. PEC is southern Ontario with a coastline on Lake Ontario’s northeastern shore. It’s been about 20 years since either of us were in The County. I have fond memories of Jenie and I camping at Sandbanks Park with our parents, playing on massive sand hills, making things with clay. Our trip was courtesy of The Drake Hotel and their PEC property, The Drake Devonshire. We were there to experience Countylicious, similar to Winterlicious/Summerlicious where restaurants feature 3-course prix fixe menus for $40/pp (+ tax & tip). In 24 hours we did so much more than just eat great food.  The County has so much to offer so here are a few thing I recommend for your PEC road trip. 5 Things to Do in Prince Edward County Visit Wineries There’s 40+ wineries in PEC and a whole bunch of breweries. If you love great wine, you deff want to visit the princeedwardcountywine.ca and make a plan of places to visit. On our tour we stopped into Wapoos Winery, the very first one in the region. It’s absolutely beautiful and right on the water. Check out the Wapoos menu for Countylicious here. If you happen to drive a Tesla, they have a charging station. Eat Great Food There is no shortage of great places to eat in Prince Edward County. Starting today, Countylicious kicks off with a celebration of fine dining featuring prix fixe menus from local restaurants. Chefs have created unique, County-inspired menus with an appetizer, entrée, and dessert. I highly recommend checking out The Drake Devonshire, Courage Bar, and The Public House at Jackson Falls. Visit a Farm Have you ever smelled fresh carrots from a farm? Had arugula straight from the earth? I can tell you that the produce from Blue Wheelbarrow…

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SCROLL – 5 Good Things for Monday, March 6, 2017

Hello & happy Monday, here are a few good things to start your day. ☀️ On Sunday I went to detox yoga at noon and it was a really good class. Sean picked me up after and we got groceries and other stuff. Lately I’ve been more conscious of things I’m doing and why. I think it goes back to that sound bath I went to in LA. I swear something happened that day. So, instead of laying the couch and scrolling I’m sitting on the bed writing. I promised to write more. Although, one of my favourite things is sitting and scrolling. I love reading Steph’s The Catch Up or Weekly Enabler Posts on her blog LEOPARD is a NEUTRAL. I also love Gracie’s recipes, yesterday I tried to make cauliflower rice but it ended up being mash. Which was still good. I tried to do a newsletter but I failed miserably, despite ‘wanting‘ to do it I only sent it once. Sorry subscribers. ? Maybe one day I will get there but baby steps are ok. Here are five things I think you might like too. ONE: TRAVEL & LIFE TIPS FROM ONE OF MY FAV BLOGGER/YOUTUBERS Kristen Sarah created Hopscotch The Globe and has been travelling for 13 years with her husband. They’re also moving into an AIRSTREAM. If you haven’t read noticed, is one of my travel goals. TWO: VICE + OCCUPIED VR + CREATORS PROJECT OCCUPIED VR (Sean, my bf’s company) is featured on the VICE Creators Project right now. Watch it here or check out my behind the scenes experience at the shoot in yesterday’s blog post. THREE – THE BANKSY HOTEL  This place is all over headlines with it’s “worst view in the world”. The ‘Walled Off Hotel’ (a play on Waldorf?) is in Bethlehem and looks right out to the concrete wall around the West Bank.The decor inside is crazy/awesome, every room…

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Money Hacks for Millennials: Have You Saved for a Rainy Day?

Coincidently I am writing this post on a rainy day, and despite always hearing this expression, I didn’t know exactly what it meant. “Save for a rainy day?” more like “save for a rainy three to six months” in case you lose your job, break a limb, or god forbid some other unexpected life moment goes down. Over the past two years I’ve written a few posts with money tips for millennials. If you missed those, let me give you a little background on my situation, in 2005 I returned from Australia, tiny, tanned, and educated. I brought something else home with me tho, a HUGE debt. I owed over $30k in student loans and credit cards!? It was a tragic look at reality when all the bills started rolling in and I’d barely started my first full-time job in Toronto making under $30k/year. It seemed literally impossible to dig out of the hole I was in. I found myself saying “I need cash now ” more often than I wanted too. Having to find quick ways to get cash is difficult and I did struggle. Payday loans such as Fresh Loan were constantly recommended to me for a short term solution. Soon enough, I’d had enough and decided I needed to gey myself in gear. There is no way I was going to live in this debt forever. For many others it’s the same circumstance, they find themselves in a vicious circle, having to take out loans, ending in debt and hardly seeing a way to get out. Small loan lenders like this Norwegian based company, små-lån, can help people finding themselves in the same situation. Before taking out a small loan, you should read every detail carefully and fully understand your repayment methods. Not long after that I…

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