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YOU AND YOUR MONEY®
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 […]

RRSPs and RRIFs

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®
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  http://qz.com/author/zwenerflignerqz/ 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 […]

www.gicrates.ca GICRates.ca 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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Community Health Systems Reschedules Fourth Quarter and Year-End 2015 Confe...

02/12/16 3:02 pm

FRANKLIN, Tenn., Feb. 12, 2016 (GLOBE NEWSWIRE) — Community Health Systems, Inc. (NYSE:CYH) today announced that it is changing the date of its previously announced fourth quarter and year-end 2015 conference call to Tuesday, February 16, 2016.  The start time of the call will remain 10:00 a.m. Central time, 11:00 a.m. Eastern time. The press […]

Petrone Worldwide Announces the Signing of a Strategic Agreement to Underta...

02/12/16 3:02 pm

Weston, FL, Feb. 12, 2016 (GLOBE NEWSWIRE) — Dewan & Sons India, a leading Houseware articles export house is now establishing a presence in the United States, and PFWI, the North American leader in contract logistics, today announced the signing of a strategic agreement to undertake JIT distribution to all Dewan customers in North America. […]

SHAREHOLDER ALERT: Rigrodsky & Long, P.A. Announces a Securities Fraud ...

02/12/16 3:02 pm

WILMINGTON, Del., Feb. 12, 2016 (GLOBE NEWSWIRE) — Rigrodsky & Long, P.A.: Do you, or did you, own shares of Imprivata, Inc. (NYSE:IMPR)? Did you purchase your shares between July 30, 2015 and November 2, 2015, inclusive? Did you lose money in your investment? Rigrodsky & Long, P.A. announces that a complaint has been filed […]

Blackhawk Network Holdings, Inc. Announces Dates for Fourth Quarter 2015 Ea...

02/12/16 3:02 pm

PLEASANTON, Calif., Feb. 12, 2016 (GLOBE NEWSWIRE) — Blackhawk Network Holdings, Inc. (Nasdaq:HAWK) will announce its fourth quarter 2015 earnings results on Tuesday, February 23, 2016. A press release will be sent out at approximately 2:00 p.m. Pacific Standard Time (PST) / 5:00 p.m. Eastern Standard Time (EST). The Company will provide additional details on […]

Koss Settles Claims Against American Express Company

02/12/16 3:02 pm

MILWAUKEE, Feb. 12, 2016 (GLOBE NEWSWIRE) — Koss Corporation (NASDAQ:KOSS), the U.S. based high-fidelity headphone company, announced that it has settled the claims between Koss and American Express Company, et al., in the lawsuit pending in the Superior Court of Maricopa County, Arizona, Case No. CV 2010-006631. As part of the settlement, the parties provided […]

Michael Dunn and Darren Basore Join Old Line Bank’s Mortgage and Commercial...

02/12/16 3:01 pm

BOWIE, Md., Feb. 12, 2016 (GLOBE NEWSWIRE) — Old Line Bancshares, Inc. (Nasdaq:OLBK), the parent company of Old Line Bank, Maryland’s premier community bank, with assets of more than $1.5 billion and 23 branch locations, is pleased to announce the addition of two new lending officers to both Old Line Bank’s Mortgage and Commercial Lending […]

First National Corporation Increases Cash Dividend

02/12/16 3:01 pm

STRASBURG, Va., Feb. 12, 2016 (GLOBE NEWSWIRE) — The Board of Directors of First National Corporation (the “Company”) (OTC:FXNC) has declared a quarterly cash dividend of $0.03 per share, a 20% increase from the quarterly dividend paid December 18, 2015. The dividend is payable on March 18, 2016 to shareholders of record as of March […]

SHAREHOLDER ALERT: Pomerantz Law Firm Reminds Shareholders With Losses on T...

02/12/16 3:01 pm

NEW YORK, Feb. 12, 2016 (GLOBE NEWSWIRE) — Pomerantz LLP announces that a class action lawsuit has been filed against Tower Semiconductor Ltd. (“Tower Semiconductor” or the “Company”) (NASDAQ:TSEM) and certain of its officers.   The class action, filed in United States District Court, Central District of California, and docketed under 16-cv-00580, is on behalf of […]

Pomerantz LLP Announces $45 Million Settlement of Groupon Securities Litiga...

02/12/16 3:01 pm

NEW YORK, Feb. 12, 2016 (GLOBE NEWSWIRE) — Pomerantz LLP announces that it has reached an agreement in principle to resolve the class action entitled In re Groupon, Inc. Securities Litigation, No. 12 C 2450, pending in the United States District Court for the Northern District of Illinois.  The agreement calls for the establishment of […]



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Kaizen Announces Appointment of Director and Officer

By Kaizen Capital Corp. VANCOUVER, BC / ACCESSWIRE / February 12, 2016 / Kaizen Capital Corp. (TSXV: KZN.H) (the “Corporation” or “Kaizen“) is pleased to announce the appointment of Raymond Marks to the Board of Directors of Kaizen and James Spooner as Vice President, Corporate Finance of Kaizen. Me...

West Red Lake Gold Mines Closes $180,000 Financing

West Red Lake Gold Mines Closes $180,000 Financing Toronto, Ontario (FSCwire) – West Red Lake Gold Mines Inc. (“West Red Lake Gold” or the “Company”) (CSE: RLG) (FWB: HYK) (OTC: HYLKF) announces that it has completed a non brokered private placement of common share units for aggregated gross proceed...

Crown Mining Completes $120,000 Non-brokered Private Placement

Toronto, Ontario–(Newsfile Corp. – February 12, 2016) – Crown Mining Corp., (TSXV: CWM) (“Crown” or the “Company“) is pleased to announce that it has completed a non-brokered private placement previously announced on February 1, 2016 (the “Private Placement”) for aggregate gross proceeds of $120,000...

Crown Mining Completes $120,000 Non-brokered Private Placement

By Crown Mining Corp. TORONTO, ON / ACCESSWIRE / February 12, 2016 / Crown Mining Corp., (TSXV: CWM) (“Crown” or the “Company“) is pleased to announce that it has completed a non-brokered private placement previously announced on February 1, 2016 (the “Private Placement”) for aggregate gross proceed...

Kaizen Announces Appointment of Director and Officer

Vancouver, British Columbia–(Newsfile Corp. – February 12, 2016) – Kaizen Capital Corp. (TSXV: KZN.H) (the “Corporation” or “Kaizen“) is pleased to announce the appointment of Raymond Marks to the Board of Directors of Kaizen and James Spooner as Vice President, Corporate Finance of Kaizen. Messrs. ...

Sale of Goldhill-Blackjack Claims and Management Changes

Sale of Goldhill-Blackjack Claims and Management Changes Winnipeg, Manitoba (FSCwire) – King’s Bay Gold Corporation (TSXv: KBG) (the “Company” or “King’s Bay”) has entered into an agreement, subject to TSX Venture Exchange approval, to sell 100% of its rights to the Goldhill-Blackjack claims, to Int...

Micromem Completes Debenture

Toronto, Ontario & New York, New York–(Newsfile Corp. – February 12, 2016) – Micromem Technologies Inc. (CSE: MRM) (OTCQX: MMTIF) (“Micromem”) (“the Company”) announces the completion of a private placement of an unsecured convertible debenture (the “Convertible Debenture”). The proceeds from th...

Micromem Completes Debenture

By Micromem Technologies Inc. TORONTO, ON and NEW YORK, NY / ACCESSWIRE / February 12, 2016 / Micromem Technologies Inc. (CSE: MRM) (OTCQX: MMTIF) (“Micromem”) (“the Company”) announces the completion of a private placement of an unsecured convertible debenture (the “Convertible Debenture”). The pro...

Micromem Update

Toronto, Ontario & New York, New York–(Newsfile Corp. – February 12, 2016) – Micromem Technologies Inc. (CSE: MRM) (OTCQX: MMTIF) (“Micromem”) (“the Company”) through its wholly owned subsidiary Micromem Applied Sensor Technologies Inc. (MAST), is pleased to announce that as referenced in our pr...







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