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

What is a GIC? And why would I want one anyway?

08/26/14 12:07 pm

Written by Ian R. Whiting, MONEY® Canada Limited || MONEY® Magazine  GIC is an acronym for Guaranteed Investment Certificate. These are available to Canadian investors through banks, trust companies, credit unions, caisse populaires and some life insurance companies. When an investor buys a GIC they are loaning the financial institution a sum of money for […]

Getting behind on mortgage payments? We can help.

08/06/14 11:30 pm

There are times in our lives when the unexpected happens and we find it difficult to cope financially. It could be a job loss, an unexpected illness, the death of a loved one or separation and divorce. There may be enough money to get by for a few months, but soon many families find themselves […]

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. […]



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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Memorial Resource Development Corp. to Present at the Barclays Energy and P...

08/28/14 3:00 am

HOUSTON, Aug. 28, 2014 (GLOBE NEWSWIRE) — Memorial Resource Development Corp. (Nasdaq:MRD) announced today that John A. Weinzierl, Chief Executive Officer, and Andrew J. Cozby, Vice President and Chief Financial Officer, are scheduled to present at the Barclays Energy and Power Conference in New York, New York on Tuesday, September 2, 2014 at 4:25 p.m. […]

Innovus Pharma Signs Exclusive Marketing and Distribution Agreement With Da...

08/28/14 3:00 am

SAN DIEGO, Aug. 28, 2014 (GLOBE NEWSWIRE) — Innovus Pharmaceuticals, Inc., (“Innovus Pharma”) www.innovuspharma.com (OTCQB:INNV) announced today it has entered into an exclusive marketing and distribution agreement with DanaLife ApS based in Denmark (“DanaLife”) under which Innovus Pharma has granted to DanaLife an exclusive 18 month worldwide distribution right ( excluding Canada) , to market […]

Retail Opportunity Investments Corp. Schedules Third Quarter Earnings Relea...

08/28/14 3:00 am

SAN DIEGO, Aug. 28, 2014 (GLOBE NEWSWIRE) — Retail Opportunity Investments Corp. (Nasdaq:ROIC) will issue financial and operational results for the third quarter ended September 30, 2014 after the market closes on Wednesday, October 29, 2014. The Company will conduct a conference call and audio webcast on Thursday, October 30, 2014 at 12:00 p.m. Eastern […]

BusinessesForSale.com National Survey Shows Small Business Optimism–with Re...

08/28/14 3:00 am

Charlotte, N.C., Aug. 28, 2014 (GLOBE NEWSWIRE) — Small business sales will remain in a slump until bank lending becomes less restrictive and confidence in the economy grows, according to business owners and aspiring entrepreneurs who responded to a recent BusinessesForSale.com survey.BusinessesForSale.com is an online marketplace for buying and selling small businesses. In July and […]

FRO – Second Quarter and Six Months 2014 Results

08/28/14 3:00 am

HAMILTON, Bermuda, Aug. 28, 2014 (GLOBE NEWSWIRE) – Highlights Frontline reports a net loss attributable to the Company of $78.2 million for the second quarter of 2014, equivalent to a loss per share of $0.81. Frontline reports a net loss attributable to the Company of $22.1 million for the second quarter of 2014, when excluding […]

MEDIGUS ANNOUNCES COMPLETION OF $11.1 MILLION PRIVATE PLACEMENT

08/28/14 3:00 am

OMER, Israel, Aug. 28, 2014 (GLOBE NEWSWIRE) — Medigus Ltd. (TASE:MDGS), a medical device company developing and commercializing micro-cameras and minimally invasive endosurgical tools and procedures, today announced that it has completed its previously disclosed private placement in the aggregate of $11.1 million including shares and warrants, signed in June 2014.  Approximately half of the […]

Willis Boosts Human Capital & Benefits Presence With Acquisition of IFG...

08/28/14 3:00 am

DUBLIN, Ireland, Aug. 28, 2014 (GLOBE NEWSWIRE) — Willis Ireland, part of Willis Group Holdings plc (NYSE:WSH), the global risk adviser, insurance and reinsurance broker, has today announced its acquisition of a range of Irish pension and financial advisory businesses from IFG Group plc. The acquisition complements and strengthens Willis Ireland’s existing pensions business and […]

Bavarian Nordic Announces First Half 2014 Results

08/28/14 3:00 am

KVISTGAARD, Denmark, Aug. 28, 2014 (GLOBE NEWSWIRE) — Bavarian Nordic A/S (OMX: BAVA, OTC: BVNRY) today publishes its interim financial results for the first half of 2014. Revenue for the period was DKK 450 million (2013: DKK 556 million) and the result was a net loss of DKK 54 million (2013: net loss of DKK […]

GW Pharmaceuticals to Present at Upcoming Investor Conferences

08/28/14 3:00 am

LONDON, Aug. 28, 2014 (GLOBE NEWSWIRE) — GW Pharmaceuticals plc (Nasdaq:GWPH) (AIM:GWP) (“GW,” “the Company” or “the Group”), a biopharmaceutical company focused on discovering, developing and commercializing novel therapeutics from its proprietary cannabinoid product platform, announced that Justin Gover, GW’s Chief Executive Officer, is scheduled to present at the Morgan Stanley Global Healthcare Conference at […]



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Vikoz Enterprises Enters Agreement with Major Manufacturer of Plastic Powde...

Vikoz Enterprises plastic recycling company announces agreement with major U.S. and Canadian manufacturer of plastic powder, pellets and plant scrap. SANDY, UT, August 28, 2014 /24-7PressRelease/ — Vikoz Enterprises, industry leader in plastics recycling, says that the Sandy, Utah company has entere...

US Veteran Praises Relaxinol for Relief of PTSD Symptoms Where Prescription...

Mr. Nice Guy’s Relaxinol is improving the quality of life for one US Veteran. WEST PALM BEACH, FL, August 28, 2014 /24-7PressRelease/ — Investing twice as much money as the competition in to high quality ingredients and offering two servings per can in Mr. Nice Guy’s Relaxinol has brought much neede...

Someone You Love – The HPV Epidemic

New film details the growing epidemic of the 21st century. INDIANAPOLIS, IN, August 20, 2014 /24-7PressRelease/ — This year’s Heartland Film Festival in Indianapolis will include the documentary “Someone You Love – The HPV Epidemic” a full-length film about the epidemic of the 21st century, accordin...

SOBERLINK Enhances Product Line with Apple Compatible Breathalyzer

SOBERLINK, Inc. continues to be the leader in developing innovative mobile alcohol monitoring devices. After a successful Beta program, the SLBLUE officially launches on August 29, 2014. CYPRESS, CA, August 28, 2014 /24-7PressRelease/ — SOBERLINK, Inc., the creator of the first handheld Breathalyzer...

Partnering with Avago, DataON Storage is First to Exhibit 12Gb/s Million IO...

DataON Storage has been asked to demo the 1 million write IOPS capability from a single Cluster-in-a-Box unit in the Avago booth #454 at the Intel Developers Forum. ANAHEIM, CA, August 28, 2014 /24-7PressRelease/ — DataON Storage, the leading provider of OS-agnostic storage enclosures, today announc...

Innovative Weather Solutions Launches iPhone App, “My Hair Weather”

Newly released weather app answers the question: Will it be a frizz-free hair day today? NEW YORK, NY, August 28, 2014 /24-7PressRelease/ — A new iPhone weather app, My Hair Weather, was launched this week offering traditional weather forecasting services plus an added element of “hair weather” fore...

Forman Investment Services is Expanding

A trusted name in investment services is expanding to serve the Indianapolis area. COLUMBUS, IN, August 28, 2014 /24-7PressRelease/ — Forman Investment Services is pleased to announce it is now serving clients in the state’s capital and surrounding areas. An independent firm with advisors specializi...

Evolving Demand for Digital Marketing Expertise has Lead to Impressive Grow...

Chicago is a hot spot where small marketing agencies have experienced rapid growth for 3 years running, as reported by the Inc. 5000 list. CHICAGO, IL, August 28, 2014 /24-7PressRelease/ — For the third year in a row, Be Found Online, L2T Media, Commonground Marketing, and Dimension Design have made...

Envision Built Presents Recently Completed Custom Built Screened Porch and ...

Local home renovation contractor showcases custom porch-patio-sunroom projects RALEIGH, NC, August 28, 2014 /24-7PressRelease/ — Envision Built Home Remodeling specializes in custom renovations and has announced the completion of large screened porch, patio and sunroom additions in the greater Ralei...




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