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YOU AND YOUR MONEY® - A personal finance blog brought to you by MONEY®

Target Date Funds = Market Timing Roulette Wheels?

07/22/14 5:57 am

Ross Kerber’s Reuters “feed” entitled: “Target date funds try timing the market” is really a must read article… what it says in a nutshell is that market value growth considerations are wagging the retirement income dog yet again. Once the gambling begins (i.e. MPT “tactical” tinkering), the retirement program ends. Here’s the link: http://www.reuters.com/article/2014/07/14/retirement-funds-idUSL2N0PE23T20140714 Yes, […]

401k Plan Fiduciary and Performance Responsibility

07/22/14 2:00 am

Anyone who influences the investment product mix should likely be a fiduciary… but only if the selected investment managers are fiduciaries as well. Yes, that eliminates all Mutual Funds and ETFs, since neither admit fiduciary responsibility. But Mutual Funds, ETFs, and Collective Trusts could be recommended by plan fiduciaries who are not paid for product […]

Joint Bank Accounts Cause Costly Complications

07/21/14 2:35 pm

Lots of people have joint bank accounts. You may not understand the dangers these accounts may bring. You may believe joint bank accounts are trouble-free. They can, after all, avoid probate and headaches for loved ones. But the reverse can also happen. Joint accounts can bring heartbreaking nightmares. Married people can benefit from joint accounts. […]

The Investment Gods Created Volatility… and it was...

07/15/14 2:00 am

Have you noticed how paranoid people are getting about market “volatility”. OMG, cries the DOL, we’re going to fine employers if their 401k plan participants don’t grow their balances as fast as the average plan around the country… thus making the Federal Government a participant in roughly half the 401k plans in every audit time […]

How to surf the stock market waves

07/09/14 3:47 pm

  “Your surfing can get better on every turn, on every wave you catch. Learn to read the ocean better. A big part of my success has been wave knowledge.” – Kelly Slater, 11 time ASP World Tour Surfing Champion   By Steve Nyvik, BBA, MBA, CIM, CFP, R.F.P. Data source: https://ca.finance.yahoo.com   The chart […]

Your (401k) Investment Portfolio: What’s Next

07/08/14 9:45 am

Seven years or so ago, the broad market tracking S & P 500 Index inched past the much higher quality, dividend paying NYSE equity only, Investment Grade Value Stock Index (IGVSI) for the first time in the 21st century. Income Closed End Funds began their Financial Crisis enhanced decline a few months earlier. Four years […]

The Extremely Good News About Higher Interest Rate...

07/08/14 4:10 am

What! Yes, market values of existing income purpose securities will certainly move lower… BUT, the income you’ve contracted for will likely remain the same, AND, you will be able to invest in new paper at higher yields. This is a good thing, and you should not be so easily convinced that it is not. Even […]

When the Bank say NO!. – Sources of Non traditiona...

07/04/14 12:17 pm

IN THE BUSINESS OF INVESTMENT BANKING WE ARE exposed to all kinds of difficult situations that business owners can face. Sometimes our client’s need for financing is driven by an unexpected business or sector slowdown, other times it is for acquisition or growth purposes. But more often than you might think a need for capital […]

Midyear Market Bias

07/03/14 8:46 pm

The Bias of a Midyear Market As of Wednesday, equity markets are at their halfway point for the year. As such, it is a time to reflect on how the entire market, not just the S&P 500, has done as we enter July. • This has been an interesting year so far as the S&P […]



ME AND MY MONEY®
ME AND MY MONEY® - A personal finance blog brought to you by MONEY®

Digital Marketing for Financial Services Summit Ju...

Join MONEY.CA at The 4th Annual – DIGITAL Marketing Summit for Financial Services June 10 through June 12 at the Hilton hotel and in downtown Toronto. Be our very special guest and enjoy 25% off on registration then join us for a free lunch at ruthschris.ca You must use CODE:MM25 to enroll as a MONEY […]

Getting Tax Credits for Your Unwanted Life Insuran...

Ten or twenty years ago, you purchased a life insurance policy. It was part of a good financial plan to keep your family protected in case of the unthinkable. Today, the mortgage is paid off, your family is grown, your retirement plan is in place and the insurance that once provided peace of mind is […]

Can you really afford not to have life insurance?

The answer is no.  Think about this…You love your family, right? You don’t want to leave them with the burden of debt in case of an unforeseen even, right? But how can you ensure that your family is not dealing with having to pay off debts while they are grieving in their time of loss?  […]

www.moneyincanada.ca

www.moneyincanada.ca and moneyincanada.ca stand on guard for thee. The definitive Canadian money site in Canada is called simply MONEY aka www.money.ca above all the main namesake and top ranked site for Canadians and their money considerations and information. Money Information is indeed and important commodity. All the things we do at Money Canada Limited is […]

www.moneyinformation.ca

www.moneyinformation.ca  moneyinformation.ca and Money Information respectively are part of The MONEY Network and considered to be sites, landing pages and online destination places for Canadians – MONEY and Canada. Our main site is MONEY.CA please join us for all the right reasons. Money Information and this site is intended for long-term use for public awareness […]

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

  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 […]



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Ceres Global Ag Corp. announces 2014 year end results

06/17/14 2:20 pm

Ceres Global Ag Corp. announces 2014 year end results Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ – Ceres Global Ag Corp. (TSX: CRP) (“Ceres” or the “Corporation”) today announced its financial results for the three-month and twelve-month periods ending March 31, 2014. Highlights: Consolidated revenue was $33.5 million for the fourth [...]

Granite REIT Declares Monthly Distribution

06/17/14 2:07 pm

Granite REIT Declares Monthly Distribution Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ - Granite Real Estate Investment Trust (“Granite”) (TSX: GRT.UN / NYSE: GRP.U) announced today that its board of trustees has declared a distribution on Granite’s stapled units of CDN$0.183 per stapled unit.  The distribution will be paid by Granite on [...]

RISING STAR App Now Available from CTV.ca as Canadians Invited to Judge New...

06/17/14 2:04 pm

RISING STAR App Now Available from CTV.ca as Canadians Invited to Judge New Interactive Music Competition Series, Premiering Sunday Canada NewsWire TORONTO, June 17, 2014 - RISING STAR app available now for IOS and Android users in Canada at CTV.ca/RisingStar - - Internationally renowned singer-songwriter and actor Josh Groban hosts competition series with pop sensation [...]

Vanguard Announces Cash Distributions For The Vanguard ETFs (VCE, VCN, VDY,...

06/17/14 2:03 pm

Vanguard Announces Cash Distributions For The Vanguard ETFs (VCE, VCN, VDY, VRE, VUS, VUN, VEF, VDU, VEE, VAB, VSB, And VSC) Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ – Vanguard Investments Canada Inc. today announced the final June 2014 monthly cash distributions for certain Vanguard ETFs listed below that trade on [...]

Vanguard Announces Cash Distributions For The Vanguard ETFs (VCE, VCN, VDY,...

06/17/14 2:02 pm

Vanguard Announces Cash Distributions For The Vanguard ETFs (VCE, VCN, VDY, VRE, VUS, VUN, VEF, VDU, VEE, VAB, VSB, And VSC) Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ – Vanguard Investments Canada Inc. today announced the final June 2014 monthly cash distributions for certain Vanguard ETFs listed below that trade on Toronto [...]

TSX Venture Exchange Daily Bulletins

06/17/14 2:00 pm

TSX Venture Exchange Daily Bulletins Canada NewsWire VANCOUVER, June 17, 2014 VANCOUVER, June 17, 2014 /CNW/ - TSX VENTURE COMPANIES: ANGLO SWISS RESOURCES INC. (“ASW”) BULLETIN TYPE:  Halt BULLETIN DATE:  June 17, 2014 TSX Venture Tier 2 Company Effective at 11:15 a.m., PST, July 17, 2014, trading in the shares of the Company was halted [...]

Petrowest Corporation Reports Voting Results of Election of Directors

06/17/14 1:49 pm

Petrowest Corporation Reports Voting Results of Election of Directors Canada NewsWire CALGARY, June 17, 2014 CALGARY, June 17, 2014 /CNW/ – Petrowest Corporation (the “Company” or “Petrowest”) (TSX:PRW) is pleased to announce that at its annual meeting of shareholders held today that each of the nominees proposed by management as a director of the Company [...]

Koskie Minsky LLP commences three class actions against Province of Ontario...

06/17/14 1:43 pm

Koskie Minsky LLP commences three class actions against Province of Ontario on behalf of former residents of sixteen institutions for persons with developmental disabilities Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ - Koskie Minsky LLP announced today that it has served the Province of Ontario with class action claims on behalf of [...]

Enforcement Notice – Decision – IN THE MATTER OF Julian Robert Ricci – Pena...

06/17/14 1:30 pm

Enforcement Notice – Decision – IN THE MATTER OF Julian Robert Ricci – Penalty Decision Canada NewsWire TORONTO, June 17, 2014 TORONTO, June 17, 2014 /CNW/ - Following a penalty hearing held on May 27th and May 28th, 2014, a Hearing Panel of the Investment Industry Regulatory Organization of Canada (IIROC) imposed the following penalties on [...]



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Canada Zinc Metals Provides Update on 2014 Exploration Program

Canada Zinc Metals Provides Update on 2014 Exploration Program Vancouver, British Columbia (FSCwire) – Canada Zinc Metals Corp. (“Canada Zinc” or “the Company”, TSX Venture Exchange: CZX) is pleased to announce that the Company’s 2014 Akie delineation drill program, designed to test the perimeter an...

The Covert Christian Bible

Tech Advance Enables Secure Worldwide Christian Fellowship GRANTS PASS, OR, July 24, 2014 /24-7PressRelease/ — In many parts of the world Christians are under attack. Even having a Bible in some places can result in imprisonment or death. Being seen reading a Bible in some places, even in America, c...

The Boca Bearing Company is Proud to Announce the Expansion of Their Line o...

PEEK Bearings are washdown safe, offer great chemical resistance, have very low moisture absorption, and are unaffected by continuous exposure to hot water and steam. BOYNTON BEACH, FL, July 24, 2014 /24-7PressRelease/ — The Boca Bearing Company is proud to announce the expansion of their line of PE...

ShareWhere, a New Anonymous App That Exposes What Really Happens at the Pla...

We’ve all been out somewhere and wondered ‘If these walls could talk, I bet they’d have one heck of a story.’ Well now they can with the new anonymous app ShareWhere that reveals what really goes on at the places around you. MIAMI, FL, July 24, 2014 /24-7PressRelease/ — Take a stroll down Ocean Driv...

Rabbit TV CEO – We’ll Pay More than Cable for Major Networks to Come Online

Outdated local cable agreements simply don’t service explosive ‘TV Everywhere’ streaming device-driven market demands. ORLANDO, FL, July 24, 2014 /24-7PressRelease/ — Leading online entertainment media guide Rabbit TV today announced that it is prepared to pay NBC, CBS, ABC and FOX the same $5 month...

New Engel Cooler Bag Brings High Performance Cooler Features – and High Val...

Rugged durability, exceptional insulating capabilities and a long list of exclusive features you just won’t find on other coolers that can deliver that ‘grab and go’ cold. JUPITER, FL, July 24, 2014 /24-7PressRelease/ — For years, people who spend time outdoors have relied upon Engel Coolers, The Or...

LeaseWave Wins ELFA Technology Award for 2014

The Equipment Leasing and Finance Association has announced that Odessa Technologies’ implementation of LeaseWave at BB&T Equipment Finance Corporation has won the Operations & Technology Excellence (O&TE) Award for 2014. PHILADELPHIA, PA, July 24, 2014 /24-7PressRelease/ — The Equipment...

Knoxville Bankruptcy Attorneys, Clark & Washington, Debunk Popular Bank...

There’s a lot of advice out there on bankruptcy, and much of the advice is based on fallacies and myths. KNOXVILLE, TN, July 24, 2014 /24-7PressRelease/ — The Knoxville bankruptcy attorneys at Clark & Washington have noticed that there are many popular bankruptcy myths that are misleading many p...

Brentwood Place Brings Home CAHEC’s Outstanding Family Development Award

Multifamily property’s lease-up in just five months surpassed estimates. RALEIGH, NC, July 24, 2014 /24-7PressRelease/ — Community Affordable Housing Equity Corporation (CAHEC) recently named Brentwood Place, a new multifamily rental community in Forsyth, GA, this year’s Outstanding Family Developme...




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