Sunday, November 19th, 2017

Estate planning for life stages

September 12, 2012 by  
Filed under Estate Planning, Insurance

As we age, our estate planning needs change.  Here are some things to consider at different stages. 18+ and still dependent on parents You might think parents can make health care decisions for you, but this changes when you turn 18.  With the accident rate high for this age group, families should consider having a […]

Ch-ch-ch-ch-Changes in interest rates from 1991-2011

September 12, 2012 by  
Filed under Finance for youth, Investing, Retirement Planning

Ch-ch-ch-ch-Changes (Turn and face the strain) Ch-ch-Changes Don’t want to be a richer man Ch-ch-ch-ch-Changes (Turn and face the strain) Ch-ch-Changes Just gonna have to be a different man “Changes” is a song by David Bowie, originally released on the album Hunky Dory in December 1971 and as a single in January 1972. Despite missing […]

Don’t get mad, buy companies!

September 12, 2012 by  
Filed under Finance for youth, Investing, Mutual Funds

It is common to hear people complain about the rising costs of living.  “Can you believe the price of gas these days!” or “my grocery bills never go down, only up!” are a frequent refrain.  How can you turn the tables and benefit from rising prices? Except for government monopolized services there are companies behind […]

More on RDSP’s

I have worked with Ottawa lawyer Ken Pope on cases where pecial planning is done for estates involving a disabled person. Ken is a specialist in this area and the following is reprinted from one of his newsletter, with his permission. The recent addition of the Registered Disability Savings Plan (RDSP) requires that any new […]

Self-destructive investor behavior continues

September 12, 2012 by  
Filed under Investing, Investment markets, Investor Behaviour

Emotions can wreak havoc on an investor’s ability to build long-term wealth. This phenomenon is well illustrated each year when the research company Dalbar Inc. releases its study of investor behavior.  While this is a study of American market data, I have seen similar results for Canada and as always, people are people whether they live […]

Some perspective from the Cundill team

Dear Investor: It’s painful in the markets, but bargain-priced stocks beckon. Sincerely, James Morton ————————————————————————————- The Cundill Funds are a group of funds within the Mackenzie family of funds.  Many of you own the Cundill Value Fund, their flagship global equity fund.  Cundill team member James Morton specializes in emerging markets and turnaround situations and […]

Changes to the Old Age Security Program (OAS)

September 11, 2012 by  
Filed under Federal Government, Retirement Planning

OAS is financed from general government revenues and makes payments to most Canadians of age 65 and older.  The maximum OAS payment is currently $6,481 per year. Starting on April 1, 2023, the age of eligibility for OAS recipients will be gradually increased from 65 to 67, with full implementation by 2029.  This will not […]

Reminder: 30% offset of Ontario tuition fees requires that you ask

“Money you don’t have to repay, designed for students entering a public college or university program from high school, or within four years of graduating from high school. You can apply for this program without applying for OSAP.” So says the website of the Ontario Ministry of Training, Colleges and Universities.  Last year in the […]

Investing in the spirit of innovation and growth

From the outside the United States looks like a troubling place to invest, with an unchecked deficit and a slowing economy. But when Phil Taller, Manager, Mackenzie Universal American Growth Class, travels across the US, he finds another America behind the dark headlines – one that is thriving by constantly resetting the limits of technology.  […]

Cundill Value Fund – loaded with bargains

In a recent commentary from Andrew Massie, lead manager of the Cundill Value Fund, he highlighted two of the major themes the fund is currently following – the recovery of US financial institutions and the values available in some large technology companies.  I have provided a few of the questions and answers below and my […]

What to expect when you’re excited

September 11, 2012 by  
Filed under Financial media, Investing, Investor Behaviour

With the recent release of the movie “What To Expect When You’re Expecting” that is based on the highly acclaimed book (I saw the movie and it was fun to watch), it seems like a good time to look back on what often happens when investors get carried along by the excitement of a rapid […]