I like John Heinzl's advice because a long time ago I became a sceptic and asked why, or why should I do that.  I don't buy exactly what John suggests.  He owns Enbridge and I own Pembina.  Some own Telus and I own BCE.  In the 1980s my wife and I sold fixed income to begin buying equities.  Now that we are over the hill and heading for 90 years of age, I would recommend long term dividend equities over other approaches because it`s proven to work.  Doing what I`m doing financially keeps my old brain active and because I`ve tried most everything else in a lifetime, I can recommend it.  However I don`t give advice.  I only provide information.  There is so much contradictory information and bad advice that seeing articles by John Heinzl is refreshing.