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Income investors beware! Perpetual preferred share...

04/23/14 8:36 am

After 3 years of issuances of rate-reset preferred shares, perpetual preferreds are making a comeback, but are investors fully aware of the risks? In 2013, 2 major issuers, both Power Financial Corp and Great-West Lifeco announced a $150-million deal for perpetual preferred shares. Both deals were way oversubscribed, pushing both firms to upsize the original […]

Change? What Change?

04/22/14 4:51 pm

I have, for about 15 years, tried to understand why investment returns tend to be the way they are. I have noticed that over long periods the stock market moves in a very narrow growth trough. In my view there must be an attractor that makes the rate the one we see. This is background.  […]

Canadian Estate Income Tax Returns

04/22/14 10:20 am

If you are an estate executor, it’s tax season. Coping with a deceased’s income tax returns is a burden. Here is some general information about estate income taxes. I have added a final note about executor compensation. First thing’s first, make sure you retain a licensed tax advisor. You need to exercise due diligence hiring […]


04/21/14 1:11 pm

Most sales people have no idea why their customers buy. They assume that customers buy for their reasons, when in fact the opposite is true. In fact, customers buy for their own reasons. Here are some key ideas to remember about why customers buy. 1. EMOTIONS FIRST. The root of any buying decision is an […]

India & Emerging Markets

04/21/14 7:13 am

Emerging markets have been one of the worst places to invest your money so far in 2014. While stocks worldwide have struggled with increased volatility, the MSCI Emerging Market Index is down 5.8 percent, even as the S&P 500 Index clings to a 1.4 percent gain. But now there are signs the tide may be […]

Providing For Disabled Children

04/14/14 8:56 am

Having a disabled child is a both a blessing and a burden and about which most of us have no real idea.  One of the concerns parent share is how to assure enough money for the child beyond their own death. In Canada, a recent (2007) initiative is the Registered Disability Savings Plan (RDSP)  This […]

Would You Accept a Bar Code Implant?

04/11/14 1:25 pm

In a perfect world, universal implantation of the implantable microchip radio frequency identification device (RFID) is activated by a chip reader. It is tamper-proof, practically undetectable and indestructible, and is implanted under the skin.  This device as claimed would be used only for legitimate, legal and noble purpose, could make life better for all of […]

Using your equity

04/09/14 11:30 pm

Using your equity Is it time to renovate that kitchen or put an addition on your home? Or maybe you’re tired of paying those high-interest credit cards. Or you’re considering purchasing an investment property. If you’re self-employed, you might need a cash infusion. So where do you get the money? Well, if you have enough […]

Regulation Feels Good, But

04/07/14 4:10 pm

The need for regulation of financial advisors arises from an abdication of responsibility by the people who may suffer the greatest cost.  That cannot end well. There are two thoughts that matter. The client is the sole planner, everyone else is a helper.  If the client cannot prepare their own plans, at least in general, […]

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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 […]


  Mindset Definition:  A fixed mental attitude or disposition that predetermines a person’s responses to and interpretations of situations.  What is your mindset around money? Here are five quick questions, answer them truthfully.  Then ask yourself is my debt a result of circumstances or poor decision making. Are you honest with yourself and/or your spouse […]

Financial Advertising

Everything you wanted to know about financial advertising and the Canadian financial and investment marketplace. The MONEY Media Kit is now available for 2014 and showcased is The MONEY Vertical affectionately known as the 5 Pronged Marketing Attack. Learn more about MONEY - Personal Finance and Financial Literacy. Premium financial companies find out how to attract and retain the attention of your exact target market and never lose it. Differentiation in products, services help but the advice c...

Confessions of a CFP: You may need a second mortga...

                  As a financial planner clients come and see me for a variety of reasons from investment advice to debt consolidations. On a good day clients can bring me a big lump sum of money to invest and on a bad day clients can be in my […]

The Mortgage Killer – NPA and the big banks Secret...

The Mortgage Killer - Debt Reduction and Mortgage Elimination - I am a believer a former mortgage broker, financial services executive and industry specialist. In some cases help in the form of tax and credit relief can go a long way with Canadians in trouble or heading for it. One of many ways to reduce debts and plan for success is a windfall or inheritance or a community card. Mortgage Brokers in Canada fill part of the role and a real specialist should be able to make up the gap. A represent...

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Marcus & Millichap Launches Three Offices in Canada

04/24/14 1:40 pm

ABSTRACT: Marcus & Millichap Launches Offices in Toronto, Calgary, and Vancouver, CanadaCALABASAS, Calif.-(Business Wire – April 24, 2014)Marcus & Millichap Launches Offices in Toronto, Calgary, and Vancouver, Canada Marcus & Millichap (NYSE: MMI), a leading commercial real estate investment services firm, today announced the opening of three offices in Canada. The firm now has offices [...]

One Million Lights Receives Inaugural Grant from the Silver Spring Foundati...

04/24/14 1:36 pm

PALO ALTO, Calif.-(Business Wire – April 24, 2014) One Million Lights, a nonprofit with the goal of improving lives of rural communities around the world through the distribution of solar lights, is the recipient of the Silver Spring Foundation’s inaugural grant for 2014. The Silver Spring Foundation is a corporate advised fund of Silicon Valley [...]

D&B to Announce April U.S. Economic Health Tracker Results on April 29,...

04/24/14 1:30 pm

SHORT HILLS, N.J.-(Business Wire – April 24, 2014) .bwalignc {text-align: center} .bwalignl {text-align: left} .bwcellpmargin {margin-bottom: 0px; margin-top: 0px} .bwlistitemmargb {margin-bottom: 10.0px} .bwpadl1 {padding-left: 5.0px} .bwpadl2 {padding-left: 10.0px} .bwsinglebottom {border-bottom: solid black 1.0pt} .bwtablemarginb {margin-bottom: 10.0px} .bwvertalignb {vertical-align: bottom} .bwvertalignt {vertical-align: top} D&B (NYSE:DNB), the world’s leading source of commercial infor...

Polaris Declares Regular Cash Dividend

04/24/14 1:15 pm

ABSTRACT: Polaris declared a regular quarterly $0.48 per share cash dividend payable on June 16, 2014.MINNEAPOLIS-(Business Wire – April 24, 2014) Polaris Industries Inc. (NYSE: PII) today announced the declaration of a regular quarterly $0.48 per share cash dividend payable on June 16, 2014 to shareholders of record at the close of business on June [...]

Moran Named to Barron’s Top 100 Financial Advisors List

04/24/14 1:04 pm

NAPLES, Fla., April 24, 2014 (GLOBE NEWSWIRE) — For the fifth consecutive year, Thomas Moran, Managing Director – Investments Senior PIM Portfolio Manager of Moran Edwards Asset Management Group of Wells Fargo Advisors ( has been named to Barron’s annual list of America’s Top 100 Financial Advisors. Barron’s is a financial weekly newspaper published by [...]

Health Insurance Innovations, Inc. to Present at Upcoming Investor Conferen...

04/24/14 1:04 pm

TAMPA, Fla., April 24, 2014 (GLOBE NEWSWIRE) — Health Insurance Innovations, Inc. (Nasdaq:HIIQ) (“HII”), today announced that Mike Kosloske, Chief Executive Officer, and Jim Dietz, Chief Financial Officer, of HII will present an overview of the company at the following upcoming investor conferences: Deutsche Bank 39th Annual Health Care Conference, on Thursday, May 8, 2014 [...]

First Financial Northwest, Inc. Announces Quarterly Cash Dividend and Stock...

04/24/14 1:04 pm

RENTON, Wash., April 24, 2014 (GLOBE NEWSWIRE) — First Financial Northwest, Inc. (the “Company”) (Nasdaq:FFNW), the holding company for First Savings Bank Northwest (“Bank”), today announced that its Board of Directors has declared a quarterly cash dividend of $0.05 per share on the Company’s outstanding common stock. The cash dividend will be payable on June [...]

IKONICS Announces Record First Quarter Sales and Discusses Aerospace Activi...

04/24/14 1:04 pm

DULUTH, Minn., April 24, 2014 (GLOBE NEWSWIRE) — IKONICS Corporation (Nasdaq:IKNX), a Duluth-based imaging technology company, announced record first quarter sales in 2014 of $4,465,000, 11% higher than last year’s first quarter sales of $4,022,000. The company also posted first quarter earnings of $205,000, or $0.10 per diluted share, in the first quarter of 2014, [...]

Avalon Celebrates Topping Out, Retail 97 Percent Leased

04/24/14 1:04 pm

ATLANTA, April 24, 2014 (GLOBE NEWSWIRE) — When North American Properties – Atlanta (NAP) held its official “topping out” for Avalon yesterday, there was plenty to celebrate — including 15 new retail leases, long wait lists for residences and construction progress on office, retail and residential. The retail component of the $600 million mixed-use project, [...]

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Mosaic Capital Corporation Reports Annual 2013 Financial Results and Net In...

Mosaic Capital Corporation Reports Annual 2013 Financial Results and Net Income of $11.6 million Calgary, Alberta CANADA, April 24, 2014 /FSC/ – Mosaic Capital Corporation (M – TSX Venture, M.PR.A – TSX Venture), has released its audited annual consolidated financial statements for the year ended De...

BandFriend Announces New Version 2.5 with In-App Messaging

By Accesswire-MYPRG The popular free social networking application for musicians now with new chat feature San Diego, CA / / ACCESSWIRE / April 24, 2014 / BandFriend, the popular free social networking application for musicians available on Android and iOS devices, is ...

Auxellence Announces Signing of a Letter of Intent

By Auxellence Health Corporation VANCOUVER, BC / ACCESSWIRE / April 24, 2014 / Auxellence Health Corporation (CSE:AID) (the “Company” or “Auxellence”) today announces that it has finalized and signed a letter of intent to enter into a plan of arrangement with Hit Technologies Inc. Details of this pl...

Alexander Nubia International Inc. Completes Private Placement

Alexander Nubia International Inc. Completes Private Placement NOT FOR DISTRIBUTION TO U.S. NEWS WIRE SERVICES OR FOR DISSEMINATION IN THE U.S. Toronto, Ontario CANADA, April 24, 2014 /FSC/ – Alexander Nubia International Inc. (AAN – TSX Venture), (the “Company”)today announced that it has completed...

Molycorp to Report First Quarter 2014 Financial Results on May 7, 2014

Molycorp to Report First Quarter 2014 Financial Results on May 7, 2014 Investor Conference Call to follow on May 8, 2014 at 9:00 a.m. Eastern Greenwood Village, CO US, April 24, 2014 /FSC/ – Molycorp, Inc (MCP – NYSE),today announced that it will release financial results for the first quarter ended...

Nordic Oil and Gas Announces Amendments to Previously Announced Private Pla...

Nordic Oil and Gas Announces Amendments to Previously Announced Private Placement Flow-through Offering – Reduces Share Price to $0.02 This press release is not for dissemination in the United States or for distribution to U.S. news wire services Winnipeg, Manitoba CANADA, April 24, 2014 /FSC/ – Nor...

Flexible Solutions’ NanoChem Division is Pleased to Announce the Developmen...

Flexible Solutions’ NanoChem Division is Pleased to Announce the Development of a Nitrogen Stabilizer for Agriculture Purposes Victoria, British Columbia CANADA, April 24, 2014 /FSC/ – Flexible Solutions International Inc. (FSI – NYSE Amex, FXT – FWB),is the developer and manufacturer of biodegradab...

Rhys Resources Announces Robert Bailey, P. Eng. as President and CEO

By Rhys Resources Ltd. VANCOUVER, BC / ACCESSWIRE / April 24, 2014 / Rhys Resources Limited (the “Company”) is pleased to announce the appointment of Robert Bailey as President, CEO and Director of the Company Mr. Bailey brings 35 years of experience to his role as President and CEO of Rhys Resource...

Vega Biofuels Introduces Vega Biochar to Over 30,000 Attendees at The BIG I...

By Vega Biofuels Inc. Company Successfully Launches “Grow With Us” Marketing Campaign NORCROSS, GA / ACCESSWIRE / APRIL 24, 2014 / VEGA BIOFUELS, INC. (Pink Sheets VGPR) announced today that its “Grow With Us” marketing campaign had a successful launch at the 2014 BIG Industry Show in Denv...

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