www.money.ca

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.

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

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.

Confessions of a CFP: Homeownership is not for everyone

One of the biggest purchases that people will make in their lives is the purchase of a home.  From the time we are young we are taught to save money and purchase a home because it’s a good investment.  As a financial planner I have to admit that this is not always true.

Buying a home creates an expensive debt.  Hopefully it also creates a more valuable asset, but once again this is not always true.  The decision to buy a home is a personal choice and the reasons to do so – or not do so – depend on your personal goals, your budget and your personal financial situation.

Some people think that paying rent is a waste of money but I tend to disagree. There are several benefits that come with renting an apartment versus buying a home:

 

The advantages of renting an apartment

Carefree living. When you rent an apartment you don’t have to worry about, well anything.  One of the main advantages of renting an apartment is that you have no responsibility to maintain the premises.  If your drain gets clogged all you have to do is call your superintendant and they will send a plumber.  Renting an apartment is hassle free.

It’s easy to budget.  Paying rent is just one bill a month that you have to budget into your expenses.  I absolutely love this about renting –it’s simple and easy and that’s just the way I like to set a budget.  Whether it’s for myself or for my clients, an easy budget is one with the fewest expenses.  When you have too many expenses each month it’s easier to forget about the due dates and you can miss payments  – this doesn’t happen when you rent an apartment.

No long term commitment.  If you don’t like to plan for the future then renting an apartment is the best choice for you.  I love that fact that I can pack up my things and move away any time I want.  Committing to a five year mortgage term is not for me.  I love the flexibility and freedom that comes with renting an apartment.

 

The disadvantages of owning a home

The cost of maintenance.  Owning a home is a lot of work, both inside and outside the house.  I don’t know about you but dusting, vacuuming, shovelling snow and cutting grass is just not my thing, in my opinion this is a major disadvantage of owning a home.

All of the other expenses.  The down payment for your mortgage is only the first expense that comes with owning a home.  Afterwards there are several additional ongoing costs involved in homeownership such as taxes, utilities and the cost of furnishing a home.

What do you love about renting or owning? Tell us on Twitter @ TahnyaKristina

 

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