Adeola Adebanjo- Mortgage Alliance

Adeola Adebanjo- Mortgage Alliance I share tips to help you keep most of your money and then grow the rest. The tips here will help you financially and in your everyday life.

I often wonder what the concept of God is, what really is called God that people are always talking about. What is the i...
10/31/2025

I often wonder what the concept of God is, what really is called God that people are always talking about. What is the idea of God and how would you describe a Being called God.
What does it mean to be God? The answer was found in the book of Isaiah as stated, and is quite fascinating.




Full message in 'The Greatness of God' by Dr Charles Stanley https://www.youtube.com/watch?v=61MxU4hiRsQ

Since the murder of Charlie Kirk three weeks ago, I have been reflecting on the reactions online and many were simply bi...
10/03/2025

Since the murder of Charlie Kirk three weeks ago, I have been reflecting on the reactions online and many were simply bizarre since it was a murder. Depending on how you genuinely felt about the killing, one thing that is factual is that MORAL RELATIVISM is now fully entrenched into our society and is completely dividing and tearing up the society. Moral relativism initially started as a way to allow for sexual freedom without feeling guilty but has now been adopted as an absolute and anyone else who objects is seen as bigoted and even immoral.
Incidentally, those who believe the most in this moral relativism are the most involved in the social justice movement which is ironic. What is justice where moral is relative? How do you classify anything as right or wrong or determine what is good or evil if moral is relative? Everything is now a matter of choice or appetite. Preference.
Tell me, do you think we can run our society successfully on the basis moral relativism? On what morals do we hinge the laws of the land?

Keeping track of expenses is extremely challenging in this inflationary time which is why using one card for all spendin...
07/17/2025

Keeping track of expenses is extremely challenging in this inflationary time which is why using one card for all spendings is the best way to keep track. A card for each partner helps with proper monitoring of expenses, as it looks like high prices is not going away anytime soon.



Where the RRSP (Registered Retirement Savings Plan) is good for your financial situation, be sure to contribute and fill...
05/22/2025

Where the RRSP (Registered Retirement Savings Plan) is good for your financial situation, be sure to contribute and fill the room in your RRSP account so you know you are maximizing the benefits of the RRSP.


The way to manage and begin to eliminate self-centeredness is to be grateful. Be grateful for and about everything. Be g...
05/02/2025

The way to manage and begin to eliminate self-centeredness is to be grateful. Be grateful for and about everything. Be grateful for being alive; for what you own and hold. Not that I have worked for this or deserve this.

Ingratitude is a particular problem for us in Canada, and in Western societies in general which explains why its inhabitants are way more miserable than the rest of the world. The Western society is an extremely individualistic society, valuing individual freedoms over everything else. The individual is the most important with individualism being the god and being worshipped, inhabitants have no choice than to be self focused. They have to find their innerselves, continually singing the songs of self: self-help, self-expression, self-awareness, self-actualization. The more anyone sings these songs, the more the misery-until you become self-paralyzed and lose your freedom to self. A slave to self.

If you see EVERYTHING as a gift, you will totally forget about yourself and realize how unimportant you are, how undeserving and you therefore cannot be depressed or suicidal. EVERYTHING should be seen as a gift, even the ability to make money or create wealth.

There's a difference between selfishness and self-centeredness. Self-centeredness is the default for all human beings while selfishness is an added layer of self on top of the default. Selfishness tends to be obvious but self-centeredness isn’t, as it is deep-seated. A selfish person is always self-centered but a self-centered person isn’t always selfish.



The CPP benefit is a crucial tool in your retirement strategy such that if properly utilized, can be a game changer and ...
04/03/2025

The CPP benefit is a crucial tool in your retirement strategy such that if properly utilized, can be a game changer and help make the golden years more golden.
These two questions appear to be the same as they are both life expectancy related, but are actually different. The CPP is not exactly transferable, so if a beneficiary dies too soon, that benefit is lost forever.
While the projection is that most Canadians will live long to a ripe old age, properly addressing these questions is particularly crucial, especially the second question. This is because, even if you live up to that projected age but not long enough to enjoy the 'bump’ in future CPP payments, you would have delayed and denied yourself access to your own money and savings. It would be a huge loss to the system.



1) Makes you wicked- this part we all know and I won’t say more.2) Makes you a very good person- this one we don’t know....
03/29/2025

1) Makes you wicked- this part we all know and I won’t say more.

2) Makes you a very good person- this one we don’t know. There’s no better way to feel good about yourself and to control people than to be a goodie-two-shoes. You are being very good so everyone can love you and therefore boost your ego making you feel important, but you end up looking down your noses at the bad people. The way we look down at Americans- 'those aggressive people'. This was one of the first things I noticed about Canadians when I first moved here.

3) Makes you a very moral person- this is another very good way to justify one’s self and also be very proud that one is such a very responsible member of society. And because you are ‘at peace’ with everyone and the society, you are a role model for others. Respect and rewards are expected from everyone, including the ‘universe’. This work for sometime until it doesn’t (life always happens) and then we wonder what you have done to deserve this.

4) If you draw your morality from a particular faith, then you become proud and self righteous from abiding by the rules of that faith. You use the God you are worshipping to justify everything that you do, and if things don't go your way, you get mad at God, reminding HIM of the things you have done.

5) Makes you anxious or depressed- while not over-simplifying mental health and barring chemical imbalances, a depressed person is fully focused on him(her)self. This person is feeling sorry for him(her)self, saying over and over within ‘I don’t deserve this’ to the extent that life is no longer worth living, just because you feel you deserve better.
A person struggling with anxiety is worried about not being in control, after all, they are the best and has done things the way they are supposed to be done. Rather than sacrificing and focusing on others, a person with anxiety wants to keep control and also scared they are losing that grip.

Martin Luther says “our nature is so deeply curved in on itself that it wickedly, curvedly and viciously seeks to use al...
03/25/2025

Martin Luther says “our nature is so deeply curved in on itself that it wickedly, curvedly and viciously seeks to use all things even God for its own sake”.

According to my mentor, its like having a computer in the heart that analyzes everything and asks the question- what’s in it for me? Everything is seen through the lens of how it benefits your happiness, your glory, your power, your reputation, your comfort, your control of things; how it helps me or fit my interest or how it makes me happy. Here are some examples:
1. You are being a good parent so people can say you are a good parent or you can feel good about being a good parent, especially when your children turn out well.
2. You are being a good child to your parents or a good sibling/relative to your family member under the guise of supporting family but it's to at least feel good about yourself.
3. You are being a good friend, but is also for a self serving motive of supporting a friend as that friend will not get the support if we have to sacrifice something big.
4. You are volunteering at so many places so people can see and say you support a good cause. You also feel great at being a proud supporter of the community or supporter of a good cause- good on the resume.
Self gratification is a burden and is the biggest reason for our misery. It is deep-seated and most times subtle but a burden that begins hell inside a person and will eventually send that person to hell.
It boosts one’s confidence and ego, making such person feel like they matter. And we all want to feel important. That desire to feel like one matters and to be recognized as being important is the driving force behind everything we do, the end point of which is misery.
It ends in misery because each self-centered act leaves a mark on the soul. It becomes a craving that turns to addiction and if not reigned in, like any addiction one needs more and more to be satisfied; constantly trying to get acclaim, approval, be popular, receive compliments. There’s nothing more miserable and enslaving like self-centeredness.
C.S. Lewis describes it, saying “I’m thinking of the mark which any selfish action leaves on that tiny central self which no one sees but which each of us will have to enjoy or endure forever. One man maybe so placed in his life that his anger sheds the blood of thousands, while another is placed so that however angry he gets, he will only be laughed at. But the little mark on the soul is much more the same in both. Each has done something to himself which unless he repents, will make the rage worse each time, each is in the long run doomed, each person is doomed if he will not repent”.

What this means is that March 3rd is the last day you can contribute into your RRSP account and still claim the tax bene...
02/27/2025

What this means is that March 3rd is the last day you can contribute into your RRSP account and still claim the tax benefit when filing your taxes for the year 2024. Please note that RRSP is not necessarily the right route for everyone at every point in time, and is also a strategy for your financial game plan so you need find a knowledgeable Financial Planner to discuss with. Not all 'money experts' truly understand how it works.



It is a better practice to separate lending from investing. A good RRSP loan should give you the freedom to invest the m...
02/26/2025

It is a better practice to separate lending from investing. A good RRSP loan should give you the freedom to invest the money through someone else other than the lender. By borrowing and investing through the same entity, the entity is making money both ways- charge interest which the borrower is obliged to pay and then charge investment fees with no obligation to ensure the money grows.

Most banks tend to insist the RRSP loan is invested through them which is a terrible idea. The bank has simply given and taken from you and this is how they have remained very profitable. The banking system does not care for anyone apart from the bank and its share price.



Integrity comes from the word integer which is wholeness as opposed to fractions or parts. A life of integrity involves ...
02/20/2025

Integrity comes from the word integer which is wholeness as opposed to fractions or parts. A life of integrity involves living a life of absolute truth- a consistently truthful life at all times in every area of life. The truth being referred to is the absolute truth which includes the ultimate truth, the whole truth and the substantial truth. Living a consistently truthful life requires consistency with reality; with oneself; with actions/words said in the past and in the future; with individuals/groups; with personal/professional lives, etc.

The statement that there is no absolute truth or truth is relative lacks integrity and is contradictory as it begs the question: is that the absolute truth? Is it absolutely true that there is no absolute truth? Therefore, anyone who believes in that in their hearts or even shares that opinion lacks integrity because the possibility of any truth has been eliminated and such person cannot know any truth.

The Liberal/Conservative arguments also lack integrity. The liberal ideology wants finances regulated but total freedom for personal morality while the Conservatives wants total freedom with money but personal morality legislated which is hypocrisy from both sides. Why not have regulation all the way or freedom all the way? It’s a lack of consistency.

In our modern times, it's easy to realize that living a life of integrity is virtually impossible due to our relative truth ideology, personal morality principle and 'progressive' world outlook.



Integrity has to do with the word ‘integer’ which means being whole as opposed to fractions. Integrity is living a truth...
02/12/2025

Integrity has to do with the word ‘integer’ which means being whole as opposed to fractions. Integrity is living a truth centered life with truth being the absolute truth, contrasted with relative truth.
Hypocrisy includes a lack of consistency-not being the same person from the OUTSIDE to the INSIDE. Different in public and in private. What you see is not what you get. A Hypocrite is not consistent with reality, and not consistent with what was said in the past.
NEWNESS- means integrity is new and the person also knows they used to be a hypocrite and are still struggling not to be a hypocrite. Therefore, a hypocrite may not know they are a hypocrite and will say they have never been a hypocrite.
PLAINESS means being open hearted. Open to self, open to God and open to men. Being open to men is a willingness to accept criticism. Not offended when people criticize or correct. Open to self is a critical self examination at all times while open to God is accepting that one is a wretched sinner.
SAMENESS is being the same in every area of life. Same in public and private. Same with different groups of people. Not saying one thing to a group and then saying something different to another group.
Finally, to test if you are a hypocrite, think of a certain American Leader. If you think you are better in character or that you are not as bad as that particular Leader, you are a hypocrite indeed!



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