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

Norma Walton: Why peer-to-peer investment is gaini...

02/12/16 6:02 am

With real estate prices reaching new highs all across North America, many investors are turning to alternative investment strategies to gain entrance into the real estate market. Peer-to-peer marketplaces are one of these alternative investment avenues.  In fact, these marketplaces have grown into a multibillion dollar industry in the United States and Canada, as an […]

How can small business deal with today’s currency ...

02/10/16 4:11 pm

Right now it’s no secret that selling merchandise to Americans is pretty lucrative.  We also know that it hasn’t always been this way.  A relative of mine who sells lighting products to customers the U.S. is a case in point. My brother-in-law built a very successful business with his wife from the ground up.  Their […]

Are Mutual Funds Worth It?

02/04/16 8:04 am

“If you don’t like the idea that most of the money spent on lottery tickets supports government programs, you should know that most of the earnings from mutual funds support investment advisors’ and mutual fund managers’ retirement.” – Robert Kiyosaki   Written by Steve Nyvik, BBA, MBA, CIM, CFP, R.F.P. Financial Planner and Portfolio Manager, Lycos […]

Here’s what can effect your credit score

02/03/16 10:00 pm

Okay, you’ve worked hard to build up your credit score. You pay all your debts on time, have focused on getting out of debt –maybe even closed a few of those accounts because you don’t need them or want them anymore. Then one day you apply for a loan and there are issues. What??? Everyone […]

Riaz Mamdani, an Alberta executive focused on new ...

01/28/16 8:00 am

CALGARY, ALBERTA—Strategic Group, a Calgary commercial and residential real estate development company, has used the tough economic times in Alberta as a chance to re-align their business focus. Riaz Mamdani, CEO of Strategic Group, has shifted the company’s focus away from office space development to place a higher priority on the rental housing market. Strategic […]

Tax Free Savings Accounts

01/25/16 12:21 pm

“To (contribute) or not to (contribute), that is the question.” –  The Tragedy of Hamlet, Prince of Denmark, Act III, Scene I, written by William Shakespeare; (the word “be”  replaced with contribute) Written by Steve Nyvik, BBA, MBA, CIM, CFP, R.F.P. Financial Planner and Portfolio Manager, Lycos Asset Management Inc. What is a TFSA? A Tax […]

Riaz Mamdani’s Strategic Group Return as Title Spo...

01/21/16 8:00 am

CALGARY, ALBERTA — For the fourth consecutive year, Strategic Group, the Calgary real estate development firm, will be the lead sponsor of the Mayor’s Lunch for Arts Champions. The annual event, honours Calgarians who are making outstanding contributions to their community through art, rewarding them with a Cultural Leader Legacy Artist Award. Seven Cultural Leader […]


01/17/16 10:29 am

Written by Steve Nyvik, BBA, MBA ,CIM, CFP, R.F.P. Financial Planner and Portfolio Manager, Lycos Asset Management Inc.   WHAT’S AN RRSP? A Registered Retirement Savings Plan, or RRSP, is a government approved savings or investment account designed to encourage you to save for your retirement. When you contribute to an RRSP you may receive […]

Rob Peers, Calgary Should Remain Optimistic

01/14/16 1:48 pm

It’s no secret that the Canadian economy is doing poorly. With the Canadian dollar sitting at a decade low of under 73 cents and the price of oil continuing to sink, the province of Alberta is facing a particularly bleak financial outlook. “There’s no need to remind weary Calgarians of the job losses in the […]

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

5 Things You Need to Know About Buying Your First ...

With interest rates at a historical low now may be the perfect time to buy your first home.  However buying a home is a big investment and a big expense.  It’s most likely the biggest purchase you’ll ever make in your life. If you’re in the market to buy a new home keep these nine […]

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Generate New Sales: Mark Borkowski

Its your call: How to generate new sales prospects. Humor me for a second. Think back to the last deal you closed and ask you, “Who was the decision maker I had to reach and influence? How did I do it?” The reason I asked you to think about that is because there will always […]

Confessions of a CFP: You may need an online bank

You may need an online bank this RRSP season.  I probably shouldn’t be telling you this because I’m a financial planner and in order to keep my job I need people to invest their money with me, but it’s true.  Before you completely dismiss the idea of banking online due to your fear of the […]

Financial advertising, marketing and sales without...

Google admits that advertisers wasted their money on more than half of internet ads By Online advertising is a fickle thing. It accounts for 20% of the ad industry’s total spending, and over 90% of revenue for the internet giants Google and Facebook. That said, no one seems to have any idea whether it […]

Protect Yourself: A Primer on Financial Abuse and ...

Senior financial abuse and fraud continues to be one of the most prevalent and “lucrative” enterprises in Canada.  Approximately 30-35 % of all complaints received by regulators involve seniors.  I suspect the elderly statistics are distorted as it’s my experience that the elderly are usually reluctant to formally complain for many reasons.  Seniors often avoid […]

Paper Money

At a very young age, I would accompany my mother to the bank with the crazy parking lot.  I would watch my mom hand over two pieces of paper (paycheques) to the bank teller.  I was always in awe of how important those two pieces of paper were to our family.  The teller would then […] Official Site:Best Rat...

GIC Rates : the online destination place for the best rate around.  Guaranteed Investment Certificates. The Canadian GIC Market is worth over 730 billion and is a money maker for top banks.  A recent study shows that the average account is worth over $60,000.00 and the majority of assets are with big banks at low […]

Reputation Management in Canada

  Reputation Management in Canada – Rob Ford famous mayor of Toronto is now in the fight of his life and political life. It will be a landslide in one way or the other. People, businesses, politicians and governments need reputation management for many reasons and there are all types of mistakes, gaffs, errors, errors […]

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/R E P E A T — Media Advisory – Minister Hehr delivers Valentines to Vetera...

02/14/16 6:00 am

/R E P E A T — Media Advisory – Minister Hehr delivers Valentines to Veterans/ Canada NewsWire CALGARY, Feb. 12, 2016 CALGARY, Feb. 12, 2016 /CNW/ - The Honourable Kent Hehr, Minister of Veterans Affairs and Associate Minister of National Defence, will present Veterans at Calgary’s Carewest Colonel Belcher facility with hand-crafted valentines bearing messages […]

Alpha Publishing Offers Regionally-Focused Alternative to Teaching Resource...

02/14/16 3:52 am

Alpha Publishing Offers Regionally-Focused Alternative to Teaching Resources PR Newswire DUBAI, UAE, February 14, 2016 DUBAI, UAE, February 14, 2016 /PRNewswire/ — Teachers and Educators in the GCC and wider MENA region now have the opportunity to use books and other teaching aids produced exclusively within the GCC and MENA regions, specifically tailored towards the […]

DarkMatter Set to Reinforce the Overarching Importance of Cyber Security at...

02/14/16 3:25 am

DarkMatter Set to Reinforce the Overarching Importance of Cyber Security at the Middle East CIO Summit PR Newswire ABU DHABI and DUBAI, UAE, February 14, 2016 ABU DHABI and DUBAI, UAE, February 14, 2016 /PRNewswire/ — DarkMatter is a Summit Partner to IDC’s flagship event, which attracts senior technology and IT executives from across the […]

Ocwen Hosts Fourth Community Advisory Council Meeting

02/14/16 3:01 am

WEST PALM BEACH, Fla., Feb. 12, 2016 (GLOBE NEWSWIRE) — On Tuesday, February 9, 2016, Ocwen Financial Corporation (NYSE:OCN) held the fourth meeting of the company’s Community Advisory Council, a diverse group of national, regional, and local non-profit housing counseling, community development, and civil rights organizations. Ocwen President and CEO Ronald Faris, who chairs the […]

Lumentum Unveils Groundbreaking Ultrafast Laser:  PicoBlade ® 2

02/14/16 3:01 am

MILPITAS, Calif. and SAN FRANCISCO, Feb. 11, 2016 (GLOBE NEWSWIRE) — Lumentum Holdings Inc. (“Lumentum”) today announced that it has dramatically reduced the size of its industry-leading PicoBlade ultrafast laser. Available today, the PicoBlade 2 provides additional capabilities in a footprint 50 % smaller than its predecessor. PicoBlade 2 will be at Lumentum’s booth #2017 […]

Hickok Incorporated Reports First Quarter Operating Results

02/14/16 3:01 am

CLEVELAND, Feb. 12, 2016 (GLOBE NEWSWIRE) — Hickok Incorporated (OTC Pink:HICKA), a Cleveland based supplier of products and services for automotive, emissions testing, locomotive, and aircraft industries, today reported operating results for its fiscal 2016 first quarter ended December 31, 2015.  For the quarter ended December 31, 2015, the Company recorded a net loss of […]

Tyson Foods to Webcast CAGNY Presentation

02/14/16 3:00 am

SPRINGDALE, Ark., Feb. 08, 2016 (GLOBE NEWSWIRE) — Tyson Foods, Inc. (NYSE:TSN) will webcast its presentation at the Consumer Analyst Group of New York (CAGNY) conference on Tuesday, February 16, at 1:45 p.m. EST. Representing Tyson Foods will be Donnie Smith, President and CEO; Andy Callahan, President, Retail Packaged Brands; and Sally Grimes, Chief Global […]

Hagens Berman Reminds GW Pharmaceuticals (NASDAQ:GWPH) Investors of March 2...

02/14/16 3:00 am

SAN FRANCISCO, Feb. 09, 2016 (GLOBE NEWSWIRE) —  Hagens Berman Sobol Shapiro LLP, a national investor-rights law firm, reminds investors in GW Pharmaceuticals (NASDAQ:GWPH) of the upcoming March 21, 2016, lead plaintiff deadline in the lawsuit related to the Company’s misstatements about effective internal controls.   If you suffered losses because of your purchases of […]

Xenon Initiates Phase 2 Clinical Trial of XEN801 to Treat Moderate to Sever...

02/14/16 3:00 am

BURNABY, British Columbia, Feb. 10, 2016 (GLOBE NEWSWIRE) — Xenon Pharmaceuticals Inc. (Nasdaq:XENE), a clinical-stage biopharmaceutical company, today announced that it has commenced dosing patients in a Phase 2 clinical trial of XEN801, which is a stearoyl Co-A desaturase-1, or SCD1, inhibitor being developed for the treatment of moderate to severe acne. The Phase 2 […]

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ABQAURP April 14-15th 2016 in Tampa Florida

Endur ID to Exhibit at the American Board of Quality Assurance and Utilization Review Physicians Annual Conference. NOTTINGHAM, ENGLAND, February 14, 2016 /24-7PressRelease/ — Endur ID to Exhibit at the American Board of Quality Assurance and Utilization Review Physicians Annual Conference. Please j...

2016 NAAWS Training Conference

Endur ID to Exhibit at the North American Association of Wardens and Superintendents Annual training conference. NOTTINGHAM, ENGLAND, February 14, 2016 /24-7PressRelease/ — Endur ID to Exhibit at the North American Association of Wardens and Superintendents Annual training conference. Please join us...

WAN Emulator Uses New INTEL(C) Technology

By East Coast Datacom, Inc. ROCKLEDGE, FL / ACCESSWIRE / February 13, 2016 / East Coast Datacom (ECD), Inc., a leader in the design and manufacture of communication products announces the EDS-10/40G Network Emulator. The versatile EDS-10/40G supports Copper or Fiber Ethernet for 10/100/1000, 10GbE a...

iJDMTOY Releases Lexus IS F-Sport LED Fog Lights & GS F-Sport LED Fog L...

Automotive parts company iJDMTOY announces LED product launch for popular Lexus IS GS F-Sport models LOS ANGELES, CA, February 13, 2016 /24-7PressRelease/ —, the leading manufacturer of aftermarket automotive lighting, announces the release of LED fog light kits for popular Lexus IS F-Sp...

Patrick Roberts Appointed to North Carolina State Ethics Commission

Roberts Law Group, PLLC is pleased to announce that Gov. Pat McCrory has appointed Raleigh criminal defense lawyer Patrick Roberts to the North Carolina State Ethics Commission. RALEIGH, NC, February 13, 2016 /24-7PressRelease/ — Roberts Law Group, PLLC is pleased to announce that Gov. Pat McCrory h...

Herguan University – An Industry Driven School

The name of Herguan University is related to science and it was derived from Chinese Mandarin that is also related to acupressure and acupuncture. Herguan means the core gate that is further explained that this school is discovering opportunities SAN JOSE, CA, February 13, 2016 /24-7PressRelease/ — ...

Hamilton Pacific Chamberlain Completes Federal Renovations

Hamilton Pacific Chamberlain Completes Two Renovations For The Department of Veteran Affairs WASHINGTON, DC, February 13, 2016 /24-7PressRelease/ — Hamilton Pacific Chamberlain, a Service-Disabled Veteran Owned Small Business (SDVOSB), headquartered in Waldorf, Maryland, completed an MRI installatio...

Half-acre Homesites, Single-level Homes Available at Pardee’s Olive Hill in...

Pardee Homes’ Olive Hill offers savvy home shoppers an exceptional collection of one-story homes on large lots in an idyllic setting just 30 minutes from the coast in the rolling hills of north San Diego County. SAN DIEGO, CA, February 13, 2016 /24-7PressRelease/ — Sales continue to be on the upswin...

Empire Seed to Exhibit at the TABA Home and Garden Show February 26-28 Offe...

Local lawn care company offers discount on outdoor power equipment at lawn and garden show TEMPLE, TX, February 13, 2016 /24-7PressRelease/ — Empire Seed of Temple announced that it will exhibit at the Temple Area Builders Association (TABA) Home and Garden Show. The TABA Show will take place Februa...

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