December is a time for reflection, especially when it comes to your finances. The expensive holiday season -- think gifts, party outfits, and festive drinks -- means you're probably thinking about how to stick to a budget and keep costs down in 2014. It's also a time to reflect on mistakes, which is why I've rounded up the top personal finance fails of 2014. The purchases that made me cringe, the examples of internet over-sharing that made me wonder how someone's identity wasn't stolen sooner. All so you can avoid their mistakes in 2015.
In a speech recently delivered in Westminster, a UK MP, Chuka Umunna, shook conventional assessments of urban gangs by focusing on the "entrepreneurial zeal" that drives gang members and their illicit activities. In light of the recent Eaton Centre shootings, our Canadian politicians seem to have largely adopted the position that those involved in gangs are hopelessly and permanently corrupted.