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Let’s retire the word Retirement

02/28/15 10:17 am

This magazine, like its sister web site and competitors, is devoted to the topic of money. That’s an obvious statement but stay with me. We all need money to live, both in the present and the future. This basic fact has created the entire industry dedicated to the notion of saving for a rainy day […]

To Rollover 401k Plan Assets or Not To… That Is Th...

02/26/15 11:19 am

The major purveyors of 401k products, and those who benefit from using them remind me of politicians… they press the party line, and use their power to demonize the competition. Their position and deep pockets allow them to get their message out while we who have neither can only shake our heads and whimper about […]

Dodging the DOL Chainsaw: Small Business Owner Pro...

02/20/15 2:16 pm

The DOL is Coming!   The DOL is Coming! As if you weren’t already up to your elbows in rules, regulations, and expenses, the Department of Labor has empowered itself to fine at least half of the Employer/Plan Sponsors it audits… for multiple investment related reasons. These include, among other things, the cost of the […]

The “Retirement Ready” 401k… exists. Right?

02/19/15 11:53 am

Income Production = Market Value Growth + Retirement Security Unfortunately, it just isn’t available to you in the standard 401k product menu. Since the demise of corporate Defined Benefit Plans, most employees have been forced to rely on their own investment acumen to make sense of the product menu choices accompanying an ever growing array […]

Andex Chart – Free Canadian Andex Chart

02/18/15 10:27 pm

The Andex Chart is probably the single most important investor – advisor learning tool and education wonder when first seen by anyone. The Canadian economy at a glance, what happened when and how things are related and can change often and without notice or comprehension. One can analyze the information in hundreds of ways and […]

How to compare stocks

02/13/15 9:04 am

Are investment advisors simply better dressed realtors?   Written by Steve Nyvik, BBA, MBA, CIM, CFP, R.F.P. Financial Planner and Portfolio Manager, Lycos Asset Management Inc.   Valuing a company is done by discounting the cash that can be taken out of it during its remaining life. This is the way to do it, but […]

What is a stock worth?

02/11/15 5:06 pm

“A value investor has a deep-rooted belief that irrationality of market participants can and does lead to unusual, and sometimes extreme, variations in the price of a stock in either direction. Such divergence from true “intrinsic value” creates valuable opportunities for the value investor.” – Benjamin Graham, The Intelligent Investor     Written by Steve […]

Should you break your mortgage?

02/04/15 10:30 pm

Once again interest rates have dominated the headlines. First, it was the declining fixed rate. Fixed rates are usually priced off bond markets, independent of what’s happening with the prime rate. The Bond market, like all markets, fluctuates daily. Fixed mortgage rates are now as low as 2.69% to 2.89% (and appear to be dropping). […]

Retirement Income Investing: The Dreaded RMD

01/29/15 10:50 am

All of us are approaching retirement, many of us are already there, and some of us (myself included) are thinking about the ultimate IRS slap-in-the-face… The Required Minimum Distribution. It’s time to make sure that your retirement income program is actually ready. Every investment program becomes a retirement income program eventually. First off, you need […]



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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 […]

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 […]



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SK Telecom Participates in Mobile World Congress 2015

02/28/15 4:00 pm

SK Telecom Participates in Mobile World Congress 2015 - Demonstrates advanced network technologies aimed at accelerating the evolution towards 5G - Introduces 5G platforms in five different areas, namely IoT, location-based service, intelligence, commerce and Big Data - Unveils Lifeware, new consumer-centric IoT devices developed to innovate people’s daily lives PR Newswire BARCELONA, Spain, Feb. […]

HRDB demands real culprits of BDR massacre to be brought to justice

02/28/15 2:00 pm

HRDB demands real culprits of BDR massacre to be brought to justice PR Newswire NEW YORK, Feb. 28, 2015 NEW YORK, Feb. 28, 2015 /PRNewswire-USNewswire/ — Speakers at a seminar in New York urged upon the Bangladesh government to bring the real culprits behind the massacre of 57 army officials in February 25, 2009 at BDR headquarters […]

Patient transfer attendants pushed to strike

02/28/15 1:06 pm

ABBOTSFORD, BRITISH COLUMBIA–(Marketwired – Feb. 28, 2015) - SN Transport’s 105 unionized patient transfer attendants in B.C. have served 72-hour strike notice, effective at 12:01 am on Monday, March 2. The move follows repeated failed attempts to negotiate a first collective agreement. CUPE 873-03 stresses that while the workers will be in a legal position […]

Congressional Task Force on Human Trafficking Supports Canadian Lobbyists o...

02/28/15 1:00 pm

TORONTO, Feb. 28, 2015 (GLOBE NEWSWIRE) — Recent comments from a Community Works Ontario spokesperson stated that 2015 has ‘already displayed compelling results on combating human trafficking, sexual violence, and modern day slavery’ through backing from Washington, D.C. coalitions and committees that are delegating with legislators and lobbying bills on human trafficking and prosecution of […]

Almas Jiwani to Discuss the HeForShe Campaign at the Young Canadian Chinese...

02/28/15 12:55 pm

RICHMOND HILL, CANADA–(Marketwired – Feb. 28, 2015) - Almas Jiwani, President of UN Women National Committee Canada, will speak at the YCCPEA in celebration of its first year anniversary gala ceremony at the Premiere Ballroom & Convention Centre. The YCCPEA was established with the aims of the helping young Canadian Chinese in areas of employment […]

Ontario Lottery and Gaming Corporation – MidDay lottery winning numbers

02/28/15 11:49 am

Ontario Lottery and Gaming Corporation – MidDay lottery winning numbers Canada NewsWire TORONTO, Feb. 28, 2015 TORONTO, Feb. 28, 2015 /CNW/ – Saturday 28/02/2015 PICK-2: 4  5 PICK-3: 0  4   7 PICK-4: 2  7   0   3 ENCORE: 9 3 2 7 7 8 3 DAILY KENO 2 , 3 , 5 , 6 , 8 […]

New Sunday Brunch Hours and Menu Now Available at The Barlow Room Restauran...

02/28/15 10:00 am

Dayton, Oregon (PRWEB) February 28, 2015 “What’s better than Brunch?” This is what Mary and Chris Czarnecki, the owners of The Barlow Room Restaurant and Bar, asked themselves when deciding on the new offering for their family business. Starting March 1st, guests will be able to dig in to a new Sunday Brunch Menu while […]

Jim Hitt, CEO of American IRA-A National Self-Directed IRA Services Provide...

02/28/15 10:00 am

Greenville, SC (PRWEB) February 28, 2015 Jim Hitt will be a guest speaker at the Jason Dillard's March 14th workshop. This will be an event packed with information. Jim Hitt will provide valuable information about the tax savings investors can experience using their Self-Directed IRAs. Who Should Attend – Anyone interested in a way to […]

Ecuador Promotes its Mining Potential in One of the Most Important Mining F...

02/28/15 9:51 am

TORONTO, ONTARIO–(Marketwired – Feb. 28, 2015) – Ecuador will be present in one of the largest and most important mining fairs in the world. The Prospectors and Developers Association of Canada, PDAC 2015, being held in the Metro Toronto Convention Centre, in Toronto, Canada. The fair gathers the most important and key mining representatives from […]



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Kaizen Discovery And Tower Resources Extend Period Of Exclusive Negotiation...

By Tower Resources Ltd. Kaizen Plans To Acquire 100% Of The Outstanding Common Shares Of Tower Resources In An All-Share Transaction VANCOUVER, BC / ACCESSWIRE / February 28, 2015 / Kaizen Discovery (TSXV: KZD) and Tower Resources Ltd. (TSXV: TWR) announced on February 2, 2015 that they entered into...

Garcinia Cambogia – Weight Loss Confirmed and Explained by Recent Research

By Health Trust BURBANK, CA / ACCESSWIRE / February 28, 2015 / Garcinia Cambogia Extract has recently been in the spotlight for its unique weight loss abilities. It’s an all-natural food supplement made from the pure extracts of the Garcinia Cambogia fruit, a plant that is regarded to be an effectiv...

Hair Loss Protocol Releases New Natural Treatment Program for Helping Avoid...

By Hair Loss Protocol LOS ANGELES / ACCESSWIRE / February 28, 2015 / New Program by Jared Gates and Dr. Blount, Hair Loss Protocol, uses natural treatment to help improve the thickness and fullness of hair.  There are many forthcoming hair technologies that are set to hit the market. The best o...

Lucid Software is Voted by the UVEF Board as One of the Top 10 Start-Ups in...

By Lucid Software The Award, which is Sponsored by EPIC Ventures, Recognizes the Most Buzzed About Companies in Utah that are Under 5 Years Old Los Angeles, CA / ACCESSWIRE / February 28, 2015 /  Lucid Software, a Utah-based company that is devoted to creating innovative graphical web applicati...

ACANA Appoints Joel Thomas as Chairman of the Association

By ACANA Thomas is CEO of Stratos Jets, a Leading Private Jet Company   Orlando, FL / ACCESSWIRE / February 28, 2015 / The Air Charter Association of North America (ACANA) is pleased to announce that it has appointed Joel Thomas as the chairman of the association. As a spokesperson for the nonp...

How to Make a Blog Quickly, Easily Explained on New Website

By How To Make A Blog Fast Beginners interested in launching their own blog can find detailed information and support on a new website, howtomakeablogfast.com Orlando, FL / ACCESSWIRE / February 28, 2015 / How to make a blog is the topic of a new website, HowToMakeaBlogFast.com. The website provides...

Essay Writing Service Premier Essay Has Just Completed its 1,500th Order

By PremierEssay Premier Essay Offers a Wide Variety of Academic Writing Services   Brooklyn, NY / ACCESSWIRE / February 28, 2015 / The founders of Premier Essay, a top essay writing service, are proud to announce that their talented staff of writers have just completed their 1,500th order. From...

Bitcoin Run is The World Scout League Commission’s Newest Project for Chari...

Most Funds Raised by the International Race’s Participants Will Be Donated to Age-Related Illness Research Miami, FL. / ACCESSWIRE / February 28, 2015 / The World Scout League Commission (WSLC), an organization that provides training and learning materials to potential EMTs and firefighters, recentl...

Y.CO Takes On Charity Polar Expedition With 2003 Rugby World Cup Winners

This April, a team from Y.CO will take on an extreme challenge for charity: headnorth, a 100km trek from Ice Camp Barneo to the Geographic North Pole, the highest point of Planet Earth. MONACO, February 28, 2015 /24-7PressRelease/ — Y.CO Co-Founders Gary Wright and Charlie Birkett and Director Yacht...







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