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Income investors beware! Perpetual preferred share...

04/23/14 8:36 am

After 3 years of issuances of rate-reset preferred shares, perpetual preferreds are making a comeback, but are investors fully aware of the risks? In 2013, 2 major issuers, both Power Financial Corp and Great-West Lifeco announced a $150-million deal for perpetual preferred shares. Both deals were way oversubscribed, pushing both firms to upsize the original […]

Change? What Change?

04/22/14 4:51 pm

I have, for about 15 years, tried to understand why investment returns tend to be the way they are. I have noticed that over long periods the stock market moves in a very narrow growth trough. In my view there must be an attractor that makes the rate the one we see. This is background.  […]

Canadian Estate Income Tax Returns

04/22/14 10:20 am

If you are an estate executor, it’s tax season. Coping with a deceased’s income tax returns is a burden. Here is some general information about estate income taxes. I have added a final note about executor compensation. First thing’s first, make sure you retain a licensed tax advisor. You need to exercise due diligence hiring […]


04/21/14 1:11 pm

Most sales people have no idea why their customers buy. They assume that customers buy for their reasons, when in fact the opposite is true. In fact, customers buy for their own reasons. Here are some key ideas to remember about why customers buy. 1. EMOTIONS FIRST. The root of any buying decision is an […]

India & Emerging Markets

04/21/14 7:13 am

Emerging markets have been one of the worst places to invest your money so far in 2014. While stocks worldwide have struggled with increased volatility, the MSCI Emerging Market Index is down 5.8 percent, even as the S&P 500 Index clings to a 1.4 percent gain. But now there are signs the tide may be […]

Providing For Disabled Children

04/14/14 8:56 am

Having a disabled child is a both a blessing and a burden and about which most of us have no real idea.  One of the concerns parent share is how to assure enough money for the child beyond their own death. In Canada, a recent (2007) initiative is the Registered Disability Savings Plan (RDSP)  This […]

Would You Accept a Bar Code Implant?

04/11/14 1:25 pm

In a perfect world, universal implantation of the implantable microchip radio frequency identification device (RFID) is activated by a chip reader. It is tamper-proof, practically undetectable and indestructible, and is implanted under the skin.  This device as claimed would be used only for legitimate, legal and noble purpose, could make life better for all of […]

Using your equity

04/09/14 11:30 pm

Using your equity Is it time to renovate that kitchen or put an addition on your home? Or maybe you’re tired of paying those high-interest credit cards. Or you’re considering purchasing an investment property. If you’re self-employed, you might need a cash infusion. So where do you get the money? Well, if you have enough […]

Regulation Feels Good, But

04/07/14 4:10 pm

The need for regulation of financial advisors arises from an abdication of responsibility by the people who may suffer the greatest cost.  That cannot end well. There are two thoughts that matter. The client is the sole planner, everyone else is a helper.  If the client cannot prepare their own plans, at least in general, […]

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Guildhall Diamonds – Launches shiny new alternativ...

Shine bright like a diamond. Why pay good money for good diamonds? white diamonds, yellow, diamonds, green diamonds, blue diamonds or red. The markets may go up and down and with it fortunes and lifetime savings are crushed or diminished. There is a good reason for not putting your eggs in one basket.  Some say” […]

Best Rate Around – Tax-Free Savings Account

A great and smart idea that needs better marketing. This simple concept of Best Rate Around is unique in concept and may be a cute play on words; but it really means business, big business, big enough that the big banks make a tidy some off each and every year. Now something new Tax-Free Savings […]

Tax Free Profit Extraction Using Life Insurance

A tax avoidance strategy has been growing in popularity in recent years. Although CRA has been aware of the strategy for over ten years, its increase in popularity and the Federal government’s current focus on reforming the taxation of insurance means that the life of the strategy may be coming to an end. There are […]


  Mindset Definition:  A fixed mental attitude or disposition that predetermines a person’s responses to and interpretations of situations.  What is your mindset around money? Here are five quick questions, answer them truthfully.  Then ask yourself is my debt a result of circumstances or poor decision making. Are you honest with yourself and/or your spouse […]

Financial Advertising

Everything you wanted to know about financial advertising and the Canadian financial and investment marketplace. The MONEY Media Kit is now available for 2014 and showcased is The MONEY Vertical affectionately known as the 5 Pronged Marketing Attack. Learn more about MONEY - Personal Finance and Financial Literacy. Premium financial companies find out how to attract and retain the attention of your exact target market and never lose it. Differentiation in products, services help but the advice c...

Confessions of a CFP: You may need a second mortga...

                  As a financial planner clients come and see me for a variety of reasons from investment advice to debt consolidations. On a good day clients can bring me a big lump sum of money to invest and on a bad day clients can be in my […]

The Mortgage Killer – NPA and the big banks Secret...

The Mortgage Killer - Debt Reduction and Mortgage Elimination - I am a believer a former mortgage broker, financial services executive and industry specialist. In some cases help in the form of tax and credit relief can go a long way with Canadians in trouble or heading for it. One of many ways to reduce debts and plan for success is a windfall or inheritance or a community card. Mortgage Brokers in Canada fill part of the role and a real specialist should be able to make up the gap. A represent...

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Rare Element Resources’ Chairman, Dr. Ranta, to Retire; Patrick M. James to...

04/23/14 2:00 pm

ABSTRACT: Rare Element Resources announces that Dr. Donald E. Ranta, Chairman, intends to retire from the Company’s Board in June and that Patrick James was appointed to the Board, effective immediately.LAKEWOOD, Colo.-(Business Wire – April 23, 2014) Rare Element Resources Ltd. (NYSE MKT: REE and TSX: RES), a mineral resources company advancing development of the [...]

Emera Demonstrates Benefit of Federal Loan Guarantee for Nova Scotia Electr...

04/23/14 1:47 pm

HALIFAX, Nova Scotia-(Business Wire – April 23, 2014) Today, at an event hosted by the Federal Government, Emera (TSX: EMA) announced that with the backing of a Federal Loan Guarantee, Nova Scotia electricity customers will save approximately $325 million over the life of the Maritime Link Project. This is the result of Maritime Link Financing [...]

Northeast Utilities to Discuss First Quarter Results

04/23/14 1:03 pm

HARTFORD, Conn. and BOSTON, April 23, 2014 (GLOBE NEWSWIRE) — Northeast Utilities (NYSE:NU) will webcast a conference call with financial analysts on Friday, May 2, 2014, beginning at 9 a.m. Eastern Daylight Time, in which senior management will discuss the company’s financial performance through the first quarter of 2014. The discussion will be led by [...]

Beasley Broadcast Group to Report 2014 First Quarter Results and Host Webca...

04/23/14 1:03 pm

NAPLES, Fla., April 23, 2014 (GLOBE NEWSWIRE) — Beasley Broadcast Group, Inc. (Nasdaq:BBGI), a large- and mid-size market radio broadcaster, will release its fiscal 2014 first quarter financial results before the market opens on Wednesday, April 30, 2014. The Company will also host a webcast that morning at 10:00 a.m. ET. Interested parties may access [...]

Egalet Corporation [EGLT] to Ring The NASDAQ Stock Market Opening Bell

04/23/14 1:03 pm

ADVISORY, April 23, 2014 (GLOBE NEWSWIRE) – What: Egalet Corporation [EGLT], a specialty pharmaceutical company developing and planning to commercialize proprietary, abuse-deterrent oral products for the treatment of pain and other indications, will visit the NASDAQ MarketSite in Times Square. In honor of the occasion, Bob Radie, Egalet president and chief executive officer and the [...]

Route1 Comments on the Impact of Recent, Significant Data Security Events

04/23/14 1:03 pm

TORONTO, April 23, 2014 (GLOBE NEWSWIRE) — Route1 Inc. (TSX-V:ROI), a leading provider of secure access technologies for the mobile workspace that protects businesses and government agencies and whose customers include the U.S. Department of Defense, the Department of Homeland Security, the Department of Energy and the Government of Canada, today released a statement on [...]

AmeraMex International Receives Additional $486,000 Rental Equipment Agreem...

04/23/14 1:03 pm

CHICO, Calif., April 23, 2014 (GLOBE NEWSWIRE) — AmeraMex International, Inc. (OTC:AMMX), a provider of heavy equipment for logistics companies (stevedoring/shipping), infrastructure construction, logging and mining companies, announced that it has entered into a second twelve-month equipment rental agreement with a west coast logistics company. Under the terms of the new twelve-month agreement, AmeraMex will [...]

American National Announces First Quarter 2014 Results

04/23/14 1:03 pm

GALVESTON, Texas, April 23, 2014 (GLOBE NEWSWIRE) — American National Insurance Company (Nasdaq:ANAT) announced first quarter 2014 net income of $52,878,000 or $1.96 per diluted share compared to net income of $59,971,000 or $2.23 per diluted share for the same period in 2013. First quarter after-tax operating income was $36,425,000 or $1.35 per diluted share, [...]

Lawsuit on Behalf of Investors in Marvell Technology Group Ltd. (MRVL) Anno...

04/23/14 1:03 pm

SAN DIEGO, April 23, 2014 (GLOBE NEWSWIRE) — The Shareholders Foundation, Inc. announces that a lawsuit was filed by a current investor in shares of Marvell Technology Group Ltd. (MRVL) over alleged breaches of fiduciary duties by certain officers and directors. If you are a current long-term investor in shares of Marvell Technology Group Ltd. [...]

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Audio-Digest Foundation Announces the Release of Anesthesiology Volume 56, ...

By Audio Digest Foundation Michael R. Pinsky, MD, CM, MCCM, Professor of Critical Care Medicine and Vice Chair for Academic Affairs, University of Pittsburgh School of Medicine, Pittsburgh, PA, presented on Fluid Resuscitation in Acute Respiratory Distress Syndrome and Sepsis. Joseph Meltzer, MD, As...

Premium Exploration Announces the Sale of Bennett Mill Site and Red Elk Gro...

By Premium Exploration Inc. Vancouver, BC / ACCESSWIRE / Apr 23 2014 / Premium Exploration Inc. (TSX-V: PEM; OTC Pink Current: PMMEF) (“Premium” or the “Company“) announces the sale of the Bennett Lumber Company Mill Site and the Red Elk Group of claims to New Jersey Mining Company (“NJM”). The prop...

Hermes Financial Announces Director’s Resignation

Hermes Financial Announces Director’s Resignation Calgary, Alberta CANADA, April 23, 2014 /FSC/ – Hermes Financial Inc. (HFI – TSX Venture), (“Hermes” or the “Company”), today announced that David Burroughs and Dan Koyich have resigned as an officer and director of the Company effective immediately....

RUM Reports Fiscal 2013 Results

RUM Reports Fiscal 2013 Results Edmonton, Alberta CANADA, April 23, 2014 /FSC/ -Rocky Mountain Liquor Inc. (TSX-V: RUM) (the “Company” or “Rocky Mountain”), listed on the TSX Venture Exchange (the “Exchange”), today reported its financial results for the year ending December 31, 2013. RUM reported p...

King’s Bay Gold Corporation Confirms the Completion of its Q4...

By King’s Bay Gold Corporation Winnipeg, MB / ACCESSWIRE / April 23, 2014 / King’s Bay Gold Corporation (TSX.V: KBG) (“King’s Bay Gold”) is pleased to announce that it has completed the filings of its audited financial statements for the fiscal year ended December 31st, 2013, the Q4 an...

Chris Tyrrell, President/CEO of Offerboard and Chairman of to spe...

By Equity Crowfunding Alliance of Canada Toronto, ON / ACCESSWIRE / April 23, 2014 / The Equity Crowdfunding Alliance of Canada (ECFA Canada), created to raise awareness of Equity Crowdfunding, is hosting the 2014 Canadian Equity Crowdfunding Conference tour. Events will take place in Toronto (April...

Mosaic Capital Corporation to Host Q4 and 2013 Year-End Financial Results C...

Mosaic Capital Corporation to Host Q4 and 2013 Year-End Financial Results Conference Call on April 25th, 2014 Calgary, Alberta CANADA, April 23, 2014 /FSC/ -Mosaic Capital Corporation (“Mosaic”) (TSX-V Symbols: M and M.PR.A) is pleased to announce that it will hold a conference call to discuss its f...

Boresha International’s First Quarter Elite 12 Champions Club Awarded

By Accesswire-MYPRG Boresha International, Inc. is dedicated to addressing the global health concern of healthy weight management through its unique product line. Today Boresha is proud to announce its Elite 12 Champions Club. This is comprised of Boresha’s top field leaders in personal production a...

RESAAS Welcomes Arrow Realty to The Real Estate Social Network(tm)

RESAAS Welcomes Arrow Realty to The Real Estate Social Network(tm) Vancouver, British Columbia CANADA, April 23, 2014 /FSC/ -RESAAS Services Inc. (CSE: RSS), The Real Estate Social Network(tm), is pleased to welcome Arrow Realty( to the RESAAS Platform(

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