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

Retirement Preparation 101

08/28/14 6:10 am

Prompted by a recent article in “Financial Planning” entitled “For Retirement Portfolios, a Smarter Glidepath”… several points in the referenced “conventional wisdom” have fingernails on chalkboard quality. The use of “stocks” in retirement to help with portfolio growth and to keep up with inflation is the first. The main thrust of a retirement program is […]

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 […]



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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Ontario doesn’t need more wind power

09/01/14 11:00 am

ONTARIO DOESN’T NEED MORE POWER SAYS WIND CONCERNS ONTARIO Large Renewable Procurement means higher electricity bills for consumers TORONTO, Sept. 1, 2014 (GLOBE NEWSWIRE) – Ontario’s new Large Renewable Procurement process aims to add more expensive, intermittent wind power to Ontario’s power capacity at a time when Ontario doesn’t need the power, and can’t afford new […]

SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses in Exc...

09/01/14 11:00 am

STEVENSON, Md., Sept. 1, 2014 (GLOBE NEWSWIRE) — The securities litigation law firm of Brower Piven, A Professional Corporation, announces that a class action lawsuit has been commenced in the United States District Court for the Southern District of New York on behalf of purchasers of Santander Consumer USA Holdings Inc. (“Santander” or the “Company”) […]

SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses in Exc...

09/01/14 11:00 am

STEVENSON, Md., Sept. 1, 2014 (GLOBE NEWSWIRE) — The securities litigation law firm of Brower Piven, A Professional Corporation, announces that a class action lawsuit has been commenced in the United States District Court for the Eastern District of Pennsylvania on behalf of purchasers of Lannett Company, Inc. (“Lannett” or the “Company”) (NYSE:LCI) securities during […]

SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses in Exc...

09/01/14 11:00 am

STEVENSON, Md., Sept. 1, 2014 (GLOBE NEWSWIRE) — The securities litigation law firm of Brower Piven, A Professional Corporation, announces that a class action lawsuit has been commenced in the United States District Court for the Southern District of New York on behalf of purchasers of EZCORP, Inc. (“EZCORP” or the “Company”) (Nasdaq:EZPW) securities during […]

Dako Launches Fast HER2 ISH Assay for New Automated Staining Platform in Eu...

09/01/14 11:00 am

GLOSTRUP, Denmark, Sept. 1, 2014 (GLOBE NEWSWIRE) — Dako, an Agilent Technologies company and a worldwide provider of cancer diagnostics , today announced the EU launch of HER2 IQFISH pharmDx TM automated on Dako Omnis. The new product will enable pathology laboratories to easily integrate the renowned Dako HER2 IQFISH and IQFISH hybridization buffer into […]

Novo Nordisk A/S : Novo Nordisk A/S – Share repurchase programme

09/01/14 11:00 am

BAGSVAERD, Denmark, Sept. 1, 2014 (GLOBE NEWSWIRE) — On 7 August 2014, Novo Nordisk initiated a share repurchase programme in accordance with the provisions of the European Commission’s regulation no 2273/2003 of 22 December 2003, also referred to as the Safe Harbour rules. This programme is part of the overall share repurchase programme of up […]

Canada’s Building Trades Unions Celebrate Labour Day with the Launch of NEW...

09/01/14 8:48 am

OTTAWA, ONTARIO–(Marketwired – Sept. 1, 2014) - Canada’s Building Trades unions (CBTU) have and will continue to make a significant contribution to the infrastructure that keeps Canadians safely working and living in their communities. Yet, the contribution by CBTU is often forgotten as the conversation steers towards money and worthiness by anti-union forces that seek […]

Direct Energy Regulated Services Announces Electric Rates for September 201...

09/01/14 8:00 am

Direct Energy Regulated Services Announces Electric Rates for September 2014 Canada NewsWire CALGARY, Alberta, Sept. 1, 2014 CALGARY, Alberta, Sept. 1, 2014 /CNW/ — Direct Energy Regulated Services (DERS) has announced default electric rates for September 2014. The Regulated Rate Option (RRO) sets the rate per kilowatt hour that regulated customers pay for electric energy […]

Direct Energy Regulated Services Announces Natural Gas Rates for September ...

09/01/14 8:00 am

Direct Energy Regulated Services Announces Natural Gas Rates for September 2014 Canada NewsWire CALGARY, Alberta, Sept. 1, 2014 CALGARY, Alberta, Sept. 1, 2014 /CNW/ — Direct Energy Regulated Services has announced default natural gas rates for September 2014. These rates will apply to customers who have not chosen a competitive supplier within the ATCO Gas […]



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Florida Eye Equipment Reseller Florida Eye Equipment Launches New Website

By InterestSpring LLC The Company’s Website was Completely Re-Designed and all of its Products are Now Listed for Purchase Tampa, FL / ACCESSWIRE / September 1, 2014 / Florida Eye Equipment, a company that resells and maintains used ophthalmic equipment, recently announced the launch ...

Citrus Park Endodontics Launches New Website to Better Serve Patients

By InterestSpring LLC The newly redesigned website for Citrus Park Endodontics is helping patients get the care that they need quickly and simply with an easy-to-use interface and helpful information Tampa, FL / ACCESSWIRE / Sept 1, 2014 / Citrus Park Endodontics, a dental specialty practi...

Neurologist Dr. Marisa C. Chang of Neurological Associates of West Los Ange...

Dr. Marisa C. Chang has been named a Southern California Rising Star by Super Doctors for the second year in a row and recognized by Vitals.com for the fourth straight year with the Patients Choice Award and Compassionate Doctor Recognition. LOS ANGELES, CA, September 01, 2014 /24-7PressRelease/ — D...

Just Kids Pediatrics, An Innovative, State of the Art and Patient Focused P...

Just Kids. Just Better OKLAHOMA CITY, OK, September 01, 2014 /24-7PressRelease/ — Just Kids Pediatrics, an innovative, state of the art and patient focused pediatric practice, is pleased to announce the first of its kind “Urgent Care for Just Kids.” The new center will be located in southwest Oklaho...

Going To The Dentist Just Got Easier

Dr. Michael Mazaheri, a dentist in Gilbert AZ has developed an award winning facility in order to make dental visits virtually pain and anxiety free by offering amazing amenities to make dental visits very comfortable. GILBERT, AZ, September 01, 2014 /24-7PressRelease/ — “I know most people do not l...

Virtex Provides Customers the Premier Way to Buy, Sell, Trade Digital Curre...

By InterestSpring LLC Buying, selling and trading Bitcoins and other digital currencies is quick and convenient with Virtex’s user-friendly website and amazing customer service   Los Angeles, CA / ACCESSWIRE / Aug 30, 2014 / Virtex Systems Ltd, the online digital-currency trading company, is he...

Quick Move, the United Kingdom’s Fast Property Buying Company, Offering No ...

By InterestSpring LLC Homeowners looking to sell their houses can visit Quick Move’s website to receive a no cost valuation and a complimentary cash offer in less than 24 hours Manchester, UK / ACCESSWIRE / Aug 30, 2014 / Quick Move, the speedy property buying company located in the U.K., ...

No Shortage of Activities for Crakmedia Employees

With Crakmedia experiencing its most significant hiring boom yet, the growing number of employees are taking full advantage of a wide range of activities available to them, more than ever before. QUEBEC CITY, QC, August 30, 2014 /24-7PressRelease/ — Located in the heart of Quebec city, the web marke...

Nicole Lyons Flexes Her Muscle with the Expansion of Cole Muscle Cars – Atl...

The First African-American women to race in the coveted classes of NHRA Top Sportsman & Comp, ADRL Top Sportsman and NHRA Top Sportsman D2 continues to lead the race with the expansion of her “Cole Muscle Cars” brand from LA to the ATL. ATLANTA, GA, August 30, 2014 /24-7PressRelease/ — Nicole Ly...




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