Category: Software

Software and Technology – state of the art personal finance software – you don’t pay for you get it free as an investor from a good advisor. Personal Finance Software, other than budgeting the most important things to keep track of haven’t changed. MONEY software – personal finance software is much easier to use and it controls your entire financial picture. Mutual Fund Software – tracking and portfolio with asset allocation modelling. You and Your Money. MONEY.ca

www.money.ca

James Dean
money.ca
www.money.ca

MONEY.CA is highly ranked on yahoo google bing and youtube and is popular with social media, Canadian financial consumers and is a favorite of The Advisor Channel. MONEY represents Canadian money at the highest level. MONEY online is the destination place for the average Canadian who needs to make, save and preserve more of their hard earned wealth. We are most proud of the fact that we are a friend of, associated with and are considered a darling business firm focused on Canadian financial literacy. All of our products and services are focused on money, personal finance and financial literacy. While money concentrates on providing a simple line of business in the realm of financial advertising we endeavor to engage and facilitate exchange of knowledge and power with and to Canadian’s.

Our products and services are simple and obvious in nature with a narrow minded aim to provide good, timely and actionable news, information, insight and advice.

Welcome to The MONEY Network and the growing MONEY Vertical that is helping the average Canadian bring up the mean for all the right reasons.

MONEY.CA online with over 10,000 new, unique visitors monthly and growing exponentially.

Money Magazine in print at Chapters Indigo Smith Books Coles and other fine retail establishments. Money Magazine is also available online in magazine format with ISSUU.COM

The Money Newsletter a monthly electronic communique that is well receive by over 10,000 CASL approved subscribers known as loyal MONEY Members.

Money Media we are partnered with the top 10 world class press and media organizations with considerable and unique free access to media and resources.

Money Video from concept to creation and production MONEY Video creates top quality financial content for internal purposes and outside sales.

The Money Show for Television is on TV 2 times daily, 7 days a week in 4 provinces in Canada with regular ‘same channel – same time’ scheduling.

MONEY is online – in print – in the media – with video – and on television. What more do you want? Let us know how we can improve and how we can get MONEY working for you.

As a continuous theme we are always and connecting the dots between MONEY and the 12 core areas of personal finance.

investments – insurance – mortgages – tax – trust and estate planning – financial planning – credit
budget and savings – business – real estate – finance – financial literacy

Advertise, Sponsor – Contribute or Promote with MONEY and be recognized as a champion of Canadian Financial Literacy and an elite social sponsor.

James Dean

Toronto

416-360-0000

[email protected]

Financial advertising, marketing and sales without the 56% google inefficiency.

James Dean

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 actually works.

That uncertainty reached a new high this week, as Google announced that 56.1% of ads served on the internet are never even “in view”—defined as being on screen for one second or more. That’s a huge number of “impressions” that cost money for advertisers, but are as pointless as a television playing to an empty room.

This is not a big revelation. The web metrics company ComScore reported last year that 46% of online ads are never seen. Spider.io, an ad fraud company acquired by Google in February, has pointed out that a large portion of ads are “viewed” only by robots, revealing that one botnet of 120,000 virus-infected computers viewed ads billions of times, running up the tab for advertisers without offering them the human eyeballs they sought.

Still, the acknowledgement by a heavyweight such as Google that ad viewability is a problem could shake up the industry by delaying possible IPOs of ad companies and requiring new ways for advertisers to gauge the effectiveness of their ads.

The nineteenth-century retailer John Wanamaker famously said, “Half the money I spend on advertising is wasted. The trouble is I don’t know which half.” In this case, it’s the obviously the half that pays for ads which are never seen, and now advertisers are looking for new tools to figure out which those are.

It’s worth noting that Google made this acknowledgement of the deficiency of the model it has profited richly from while also offering a new model to advertisers: In July it introduced its Active View product, which measures only viewed ads.

Apple Juice – Samsung ordered to pay 1 Billion in Damage

James Dean

Apple submitted the list after a jury found Samsung copied the iPhone and iPad in creating and marketing the products.

The products are:

Galaxy S 4G
Galaxy S2 AT&T
Galaxy S2
Galaxy S2 T-Mobile
Galaxy S2 Epic 4G
Galaxy S Showcase
Droid Charge
Galaxy Prevail

A judge will decide the issue later.

Apple claimed in a sweeping lawsuit that Samsung’s smartphones and computer tablets “slavishly copied” the iPhones and iPads. Samsung countered with its own claims that Apple used its wireless technology without proper compensation. Etch-a-Sketch should be in a great position to sue Apple and Samsung as the original tablet maker after the 10 commandments were written in stone.

A nine-person jury in its verdict last week unanimously agreed with Apple and ordered Samsung to pay $1 billion. Most of the damages were tied to Samsung’s smartphones. It rejected Samsung’s counterclaims.

The award represents about 1.5% of Samsung’s annual revenue. Analysts said the embarrassment of the verdict is a bigger blow for Samsung than the financial setback.

Still, the question remains whether Samsung and other Apple competitors will have to redesign their smartphones to avoid infringing Apple’s patents. Most analysts agree the verdict sends a threatening message to device makers like Samsung who use Google’s Android operating system.

Apple Jumps 2.7 points to reach Purple Chip status at 621 billion

James Dean

Apple is the biggest company in the world now trumping a record set in 1999 by Microsoft – Apple has surpassed and and all expectations to reach a capitalization of over 620 billion.

Apple has the  support of the people and shareholders and set to reach even greater heights with new product launches coming up and a sharp focus on innovation to now maintain and grow this self-perpetuating money making machine.

Apple stock hit new highs  and jumped 2.7% on optimism surrounding  the impending launch of the iPhone 5 and a better small and cheaper iPad in time for Christmas.

Microsoft would still hold the record if the numbers were adjusted for inflation.

Back Office

James Dean 77 Comments
Back Office Software
Back Office

Back Office Canada

Growth in the mutual fund industry has slowed down substantially, and for dealers to succeed in the highly competitive industry, they must focus on improving their technology, back office and financial planning support offerings, a recent study suggests.

Chuck Grace, a lecturer at the Richard Ivey School of Business and a management consultant with Fusion Consulting, presented results on Monday of a recent study by Fusion Consulting, a firm that focuses on investment fund distribution in Canada.

The study, completed in June, surveyed 12 mutual fund dealers and 20,000 advisors, covering 70% of the assets governed by the Mutual Fund Dealers Association of Canada.

It found that advisors were largely satisfied with their dealers’ offerings in the areas of products, support, compensation, compliance and stability. These are all critically important offerings, most of which are correlated with asset growth and distribution network growth, and firms must continue to keep advisors satisfied in these areas to survive in the industry, according to Grace.

“You’ve just got to have it to keep up,” he said, speaking at the Univeris 2010 Summit in Toronto.

The advisors surveyed were less impressed with their dealers’ technology, front office and back office offerings.

“Technology, back office and front office appear to be the weak part of the equation,” Grace said. “The advisors are saying they’re not getting all the value they need from those three areas.”

On the front office side, he said advisors are particularly unimpressed with financial planning support from their dealers.  “No one’s doing a great job on financial planning,” he said. “No one’s delivering a lot of value or executing, and you’re all doing it the same way.”

He noted that many dealers leave the financial planning process up to advisors, in an effort to provide each advisor with flexibility in their approach. But advisors are now asking for more support.

This is one area where dealers should innovate to set themselves apart, according to Grace. “There’s an opportunity to differentiate your practice, your dealership and your advisors in the marketplace.”

Fund industry slows down

Differentiation in the industry has become critical as growth as slowed down. Fusion’s study found that mutual fund dealers experienced very little growth in net sales, distribution network growth and market share growth in the 12 months ending June 30th.

“Top line growth has stalled, and I don’t see it changing,” Grace said. “I don’t see double-digit top-line growth in your futures – not within the existing mutual fund dealership model.”

He said investment returns will decline in the years ahead, which will limit asset growth for the industry.

“Assets are going to be pretty flat by the standards that some of us grew up with in the 80s and 90s.”

Growth in the industry’s distribution network has also slowed down. And with many advisors preparing to retire in the next few years, the distribution base could begin to shrink.

Grace pointed out that the only dealers that experienced growth in their advisor networks in the past year were firms that hire rookie advisors.

“If you’re looking to grow your firm on the backs of seasoned veterans, I can’t find any evidence that it’s working,” he said.

In order for dealers to grow in this challenging environment, Grace said they should look beyond mutual funds to stocks, exchange traded funds, insurance and other products.

“If you want to grow your top line, you’re going to have to get out from underneath mutual funds,” he said. “If you don’t have access to it all, you’ve handcuffed yourself to a 2% industry. You’ve got to get beyond that if you want to see some double-digit change in your business.”

Megan Harman