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

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 […]

Your (401k) Investment Portfolio: What’s Next

07/08/14 9:45 am

Seven years or so ago, the broad market tracking S & P 500 Index inched past the much higher quality, dividend paying NYSE equity only, Investment Grade Value Stock Index (IGVSI) for the first time in the 21st century. Income Closed End Funds began their Financial Crisis enhanced decline a few months earlier. Four years […]

The Extremely Good News About Higher Interest Rate...

07/08/14 4:10 am

What! Yes, market values of existing income purpose securities will certainly move lower… BUT, the income you’ve contracted for will likely remain the same, AND, you will be able to invest in new paper at higher yields. This is a good thing, and you should not be so easily convinced that it is not. Even […]

When the Bank say NO!. – Sources of Non traditiona...

07/04/14 12:17 pm

IN THE BUSINESS OF INVESTMENT BANKING WE ARE exposed to all kinds of difficult situations that business owners can face. Sometimes our client’s need for financing is driven by an unexpected business or sector slowdown, other times it is for acquisition or growth purposes. But more often than you might think a need for capital […]

Midyear Market Bias

07/03/14 8:46 pm

The Bias of a Midyear Market As of Wednesday, equity markets are at their halfway point for the year. As such, it is a time to reflect on how the entire market, not just the S&P 500, has done as we enter July. • This has been an interesting year so far as the S&P […]



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

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 […]

Mindset

  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 […]



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SimCorp to Drive Discussion on IBOR at TSAM New York’s Data Management Conf...

06/17/14 6:00 am

ABSTRACT: SimCorp will lead a conversation on the investment book of record (IBOR) at the TSAM New York Data Management Conference on June 19th in New York City.NEW YORK-(Business Wire – June 17, 2014) SimCorp, a leading provider of investment and portfolio management software and services for the global financial services industry, will lead a [...]

Pathway Genomics Co-Hosts Fundraiser Benefiting Susan G. Komen

06/17/14 5:01 am

ABSTRACT: Pathway Genomics Co-Hosts Fundraiser Benefiting Susan G. Komen: Event Marks One-Year Anniversary of US Supreme Court Decision to Ban Human Gene PatentingSAN DIEGO-(Business Wire – June 17, 2014)Pathway Genomics Co-Hosts Fundraiser Benefiting Susan G. Komen: Event Marks One-Year Anniversary of US Supreme Court Decision to Ban Human Gene Patenting Pathway Genomics Corporation, a San [...]

SecureKey and The Human Chain Partner to Support the Delivery of Digital Id...

06/17/14 5:00 am

ABSTRACT: SecureKey and The Human Chain today announced a strategic partnership to help with the with the delivery of digital identity solutions to the European market.TORONTO & OXFORD, United Kingdom-(Business Wire – June 17, 2014)SecureKey and The Human Chain today announced a strategic partnership to help with the with the delivery of digital identity solutions [...]

HiMama Partners with World-Class Childventures Early Learning Academy

06/17/14 5:00 am

ABSTRACT: HiMama’s technology that connects busy, working parents with their childcare providers is being implemented in Childventures locations across the Greater Toronto Area.TORONTO-(Business Wire – June 17, 2014)HiMama’s technology that connects busy, working parents with their childcare providers is being implemented in Childventures locations across the Greater Toronto Area. HiMama’s technology that connects busy, working [...]

H.I.G. Completes Sale of Vaupell to Sumitomo Bakelite

06/17/14 3:30 am

ABSTRACT: H.I.G. Capital completed the previously announced sale of its portfolio company Vaupell Holdings, Inc. to Sumitomo Bakelite, Co., Ltd. for $265 million.MIAMI-(Business Wire – June 17, 2014) H.I.G. Capital, LLC (“H.I.G.”), a leading global private equity investment firm, today announced that an affiliate has completed the previously announced sale of its portfolio company Vaupell [...]

OraSure Technologies to Present at the JMP Securities Healthcare Conference

06/17/14 3:00 am

BETHLEHEM, Pa., June 17, 2014 (GLOBE NEWSWIRE) — OraSure Technologies, Inc. (Nasdaq:OSUR) today announced that Douglas A. Michels, President and CEO, will speak to the investment community at the JMP Securities Healthcare Conference in New York, New York. The conference will be simultaneously webcast over the Internet. Mr. Michels is scheduled to speak June 24, [...]

Xoom Announces Instant Overseas Remittance Facility to India, Powered by IM...

06/17/14 3:00 am

NEW DELHI, India, June 17, 2014 (GLOBE NEWSWIRE) — Xoom Corporation (Nasdaq:XOOM), a leading digital money transfer provider, has partnered with Punjab National Bank (PNB), to roll out instant bank deposit services to bank accounts in India using the revolutionary IMPS (Immediate Payment Service) platform. IMPS is a unique remittance processing platform, considered to be [...]

GovDelivery Publishes Brief on Lessons Learned in Public Sector Healthcare ...

06/17/14 3:00 am

LONDON, June 17, 2014 (GLOBE NEWSWIRE) — GovDelivery, a leader in cloud-based public sector communication solutions, announced today availability of its new brief titled “Lessons Learned in Healthcare Communications“. The free paper examines how health-focused government organisations are using direct channels and digital communications, instead of mass advertising, to educate the public and improve healthcare [...]

Top Image Systems Launches eFLOW(R) Signature Verification

06/17/14 3:00 am

TEL AVIV, Israel and NEW YORK, June 17, 2014 (GLOBE NEWSWIRE) — Top Image Systems Ltd. (Nasdaq:TISA) a leading ECM (Enterprise Content Management) and BPM (Business Process Management) solution and MIP (Mobile Imaging Platform) provider, today announced the launch of eFLOW® Signature Verification, its latest addition to the cutting edge eFLOW® solution. eFLOW Signature Verification [...]



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Revised: Clean Seed Capital Group Ltd. Engages The Howard Group for Strateg...

By Clean Seed Capital Group Ltd. Burnaby, BC / ACCESSWIRE / July 22, 2014 / Clean Seed Capital Group Ltd. (TSX.V: CSX, OTC: CLGPF) is pleased to announce that it has engaged The Howard Group as its strategic investor communications advisor. The Howard Group will direct both traditional and online in...

Sunora Foods Receives Increased Orders for China and Bulk Oil

By Sunora Foods Inc. CALGARY, AB / ACCESSWIRE / July 22, 2014 / Sunora Foods Inc. (“Sunora” or the “Corporation”) (TSX Venture: SNF) is pleased to announce increased orders of packaged and bulk canola oils to new customers in July. These deliveries further the Corporation’s business strategy of incr...

Graystone Company July Production Update

Graystone Company July Production Update Lima, Peru (FSCwire) – The Graystone Company (OTC: GYST) announced today that the Company’s mining operations have generated approximately 546 grams of gold so far for the month of July 2014. This update covers the time period of July 1, 2014 through July 19,...

TouchActionApps LLC Makes ‘Our Rainbow’ iPhone and iPad App Update

By Accesswire-PRM New York, NY / ACCESSWIRE / July 22, 2014 / An industry leader in app creation has made an update to one of its most popular applications. There’s an old adage that says there’s always room for improvement, and thanks to the new update to TouchActionApps LLC’s Our Rainbow storybook...

Revised: Clean Seed Capital Group Ltd. Engages The Howard Group For Strateg...

By Clean Seed Capital Group Ltd. Burnaby, BC / ACCESSWIRE / July 22, 2014 / Clean Seed Capital Group Ltd. (TSX.V: CSX, OTC: CLGPF) is pleased to announce that it has engaged The Howard Group as its strategic investor communications advisor. The Howard Group will direct both traditional and online in...

Crude Energy Targets Prolific Wolfcamp Formation

By OILprice.com DALLAS, TX / ACCESSWIRE / July 22, 2014 / Crude Energy, an independent exploration and production company based in Dallas, TX, seeks to build on its string of successful drilling projects with the announcement of its new White Wolf Prospect. The 640-acre site is located near Midland ...

Mission Ready Services Inc. Files Patent Application for its Fragment Prote...

By Mission Ready Services Inc. VANCOUVER, BC / ACCESSWIRE / July 22, 2014 / Mission Ready Services Inc. (TSX-V: MRS) - Mission Ready Services Inc. (“Mission Ready” or “MRSI” or the “Company”) is pleased to announce that it has filed a patent application (the “Application”) with the US Patent Office ...

Audible Promo Code Site Now Features Discount Deals on Audio Books

By Accesswire-PRM Dover, DE / ACCESSWIRE / July 22, 2014 / AudiobookPromoCodes.com is the online source for discount promos on downloadable book services offered by Audible.com. As the popularity of eBooks continues to rise, AudiobookPromoCodes.com is offering customers cheaper access to Audible.com...

Clarence Parks Appointed President of First Colombia Gold Corp.

Clarence Parks Appointed President of First Colombia Gold Corp. Memphis, Tennesee (FSCwire) – First Colombia Gold, Corp. (OTCQB:FCGD) is pleased to announce that Clarence Parks, has been appointed President of First Colombia Gold Corp. CEO Robert Gates announced today the addition of Clarence Parks ...




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