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

Total Return: Smoke and Mirrors?

07/30/14 5:40 am

Just what is this “total return” hoop that investment managers are required to jump through? Why is it mostly just smoke and mirrors? Here’s the formula: Total Income + (or -) Change in Market Value – Expenses = Total Return — the ultimate test for any investment portfolio. Applied to income purpose portfolios, it is really […]

Social Investor Relations

07/29/14 4:25 am

Social media has been having a tremendous impact on business, as new ways of using it have emerged. One of the first major business applications was the socialization of Customer Relationship Management systems. Social CRM enables a business to maintain current information about customers and use it to develop products that best meet their needs. […]

The Retirement Income Gap

07/29/14 2:00 am

A BlackRock and EBRI analysis (from Think Advisor, July 9th) suggests that older retirees are further from being retirement ready than their younger counterparts… go figure. Ironically, since most benefit plan investors (really speculators) at all ages are market value focused instead of income focused, this observation will likely be the same ten years from […]

What is the worth of life and limb?

07/27/14 10:29 pm

While this is a financial blog, I am going to take some editorial licence here and move to us – each of us – and the death wishes that many people exhibit daily – and no, I am not talking about smoking yourself to death. I’m talking about the rush to cross streets against “Do […]

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 […]



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

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 […]

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 […]



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hopTo Inc. Granted Additional U.S. Patents for its Technology

07/31/14 2:13 pm

hopTo Inc. Granted Additional U.S. Patents for its Technology Total of 10 Patents Issued to the Company in 45 Days PR Newswire CAMPBELL, Calif., July 31, 2014 CAMPBELL, Calif., July 31, 2014 /PRNewswire/ — hopTo Inc. (OTCQB: HPTO) developer of one of the most comprehensive mobile productivity workspaces available, today announced that the U.S. Patent and […]

Cheniere Partners Holdings Reports Second Quarter 2014 Results

07/31/14 2:10 pm

Cheniere Partners Holdings Reports Second Quarter 2014 Results PR Newswire HOUSTON, July 31, 2014 HOUSTON, July 31, 2014 /PRNewswire/ – Cheniere Energy Partners LP Holdings, LLC (“Cheniere Partners Holdings”) (NYSE MKT: CQH) reported net income of $4.6 million and $8.9 million, or $0.02 and $0.04 per common share, for the three and six months ended June […]

Cheniere Energy Partners, L.P. Reports Second Quarter 2014 Results

07/31/14 2:08 pm

Cheniere Energy Partners, L.P. Reports Second Quarter 2014 Results PR Newswire HOUSTON, July 31, 2014 HOUSTON, July 31, 2014 /PRNewswire/ – Cheniere Energy Partners, L.P. (“Cheniere Partners”) (NYSE MKT: CQP) reported a net loss of $226.2 million and $296.0 million for the three and six months ended June 30, 2014, compared to a net loss of […]

Cheniere Energy, Inc. Reports Second Quarter 2014 Results

07/31/14 2:06 pm

Cheniere Energy, Inc. Reports Second Quarter 2014 Results PR Newswire HOUSTON, July 31, 2014 HOUSTON, July 31, 2014 /PRNewswire/ – Cheniere Energy, Inc. (“Cheniere”) (NYSE MKT: LNG) reported a net loss attributable to common stockholders of $201.9 million, or $0.90 per share (basic and diluted), for the three months ended June 30, 2014, compared to a net […]

RAAM Global Energy Company Announces Date Of Second Quarter Conference Call

07/31/14 2:02 pm

RAAM Global Energy Company Announces Date Of Second Quarter Conference Call PR Newswire LEXINGTON, Ky., July 31, 2014 LEXINGTON, Ky., July 31, 2014 /PRNewswire/ – RAAM Global Energy Company (“RAAM” or the “Company”) will host a conference call for investors and analysts to discuss its financial results for the second quarter of 2014 on Wednesday, August […]

NPC Newsmaker Program: Africa: The Next Growth Frontier

07/31/14 2:01 pm

NPC Newsmaker Program: Africa: The Next Growth Frontier International Celebrity Akon Convenes Leaders to Rebuild and Rethink The African Continent PR Newswire WASHINGTON, July 31, 2014 WASHINGTON, July 31, 2014 /PRNewswire-USNewswire/ — During President Obama’s first-ever U.S.-Africa Summit, Akon, a five-time Grammy nominated artist and philanthropist, will convene the first annual “Africa: New Partnership Models for Growth Conference,” […]

Southwest Gas Corporation Announces Conference Call

07/31/14 2:00 pm

Southwest Gas Corporation Announces Conference Call PR Newswire LAS VEGAS, July 31, 2014 LAS VEGAS, July 31, 2014 /PRNewswire/ — Senior management of Southwest Gas Corporation (NYSE:  SWX) is holding a conference call to discuss the Southwest 2014 second quarter and twelve-months results on Thursday, August 7, 2014. The conference call will follow the release of […]

Ellington Residential Mortgage REIT Announces Release Date of Second Quarte...

07/31/14 2:00 pm

Ellington Residential Mortgage REIT Announces Release Date of Second Quarter 2014 Earnings, Conference Call, and Investor Presentation PR Newswire OLD GREENWICH, Conn., July 31, 2014 OLD GREENWICH, Conn., July 31, 2014 /PRNewswire/ – Ellington Residential Mortgage REIT (NYSE: EARN) (the “Company”) today announced that it will release financial results for the quarter ended June 30, 2014 […]

Alpha Natural Resources Announces Plans to Downsize West Virginia Mining Op...

07/31/14 2:00 pm

Alpha Natural Resources Announces Plans to Downsize West Virginia Mining Operations Continuing Weak Markets, Current and Impending EPA Regulations Weigh on Central Appalachian Operations; 1,100 Jobs at Risk PR Newswire BRISTOL, Va., July 31, 2014 BRISTOL, Va., July 31, 2014 /PRNewswire/ – Eight operating affiliates of Alpha Natural Resources, Inc. (NYSE: ANR) have notified their employees […]



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Peoplesway.com, Inc., Announces Revenue Share Agreement with AppRocket Stud...

By Accesswire-MRM CHARLOTTE, NC / ACCESSWIRE / July 30th, 2014 / Peoplesway.Com, Inc. (OTC Pink: PLWY) (PINKSHEETS: PLWY) Peoplesway is pleased to announce that our wholly owned subsidiary Idea WebCatcher Holdings, Inc. has signed an exclusive agreement to proceed with eDev3, LLC for ...

Simba Energy Announces Closing of Private Placement

By Sintana Energy Inc. Vancouver, British Columbia / ACCESSWIRE / July 31, 2014 / Simba Energy Inc. (TSXV: SMB, Frankfurt: GDA, OTCQX: SMBZF) (the “Company”) has increased the size of its non-brokered private placement to up to 54,118,009 units (the “Units“) offered at a price of Cdn$0.06 per Unit t...

Carmanah Announces Release Date for Second Quarter 2014 Financial Results a...

Carmanah Announces Release Date for Second Quarter 2014 Financial Results and Conference Call Victoria, British Columbia (FSCwire) – Carmanah Technologies Corporation (TSX: CMH) (“the Company” or “Carmanah”) will release its second quarter 2014 financial results on August 8, 2014 at 1:00 pm PT (4:00...

Added Capital Announces Plans for Private Placement

By Added Capital Inc. Toronto, Ontario /  ACCESSWIRE / JULY 31, 2014 / Added Capital Inc. (TSXV: AAD) (“Added Capital” or the “Company“) today announced that the Company proposes to complete a non-brokered private placement of up to a maximum of $500,000 (the “Financing”). The Financi...

Bayport International Holdings, Inc. Updates Shareholders on Closing of Oil...

By Bayport International Holdings Inc. Bayport International Holdings, Inc. Updates Shareholders on Closing of Oil and Gas Assets TULSA, OK / ACCESSWIRE / July 31, 2014 / Bayport International Holdings, Inc. (OTC Pink: BAYP). Today we are pleased to announce that the Company is one step cl...

African Queen and XORTX Pharma Terminate Proposed Merger Transaction

By African Queen Mines Ltd. Vancouver, British Columbia / ACCESSWIRE / July 31, 2014 / AFRICAN QUEEN MINES LTD. (the “Company“) announces that it has entered into a Termination Agreement with XORTX Pharma Corp. (“XORTX”) to terminate by mutual agreement its acquisition of all of the outstanding...

Nippon Realise un Placement Prive

By Nippon Dragon Resources Brossard (Quebec) / ACCESSWIRE / 31 juillet, 2014 / Ressources Nippon Dragon Inc. (la “Societe” ou “Nippon”) (TSX-V Symbole: NIP), est heureuse d’annoncer la realisation d’un placement prive sans intermediaire. Le Placement totalise 704,507 unites de Nippon, au prix de 0,0...

Fennor, a wholly-owned Subsidiary of Nortec, signs Two Memoranda of Underst...

By Nortec Minerals Corp Vancouver, B.C. / ACCESSWIRE / July 31, 2014 / Nortec Minerals Corp. (TSX-V: NVT), (“Nortec” or the “Company”) is pleased to announce that Fennor Minerals Corp.(“Fennor”), a wholly-owned subsidiary of Nortec has signed two Memoranda of Understanding (“MOU”) to acquire 100% in...

Nippon Closes a Private Placement

By Nippon Dragon Resources Brossard (Quebec) / ACCESSWIRE / July 31, 2014 / Nippon Dragon Resources Inc. (the “Corporation” or “Nippon”) (TSX-V Symbol: NIP), is pleased to announce that it has closed a non-brokered private placement. The private placement is for 704,507 units of the Corporation...




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