tag:blogger.com,1999:blog-77271462424040438342024-03-05T22:41:06.623-05:00$aving-a-DollarA site devoted to saving you money. Drowning in debt? There is too much debt in North America. We have become slaves to it. This site will help you get out from under it.
Moved from our former site at http://money-counts.blogspot.comCharles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.comBlogger66125tag:blogger.com,1999:blog-7727146242404043834.post-28031954104053830672010-09-25T21:17:00.000-04:002010-09-25T21:17:41.178-04:00Frugal Hacks: Links<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://frugalhacks.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://frugalhacks.com)">Frugal Hacks</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/jmo-EZAyyZo/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Weekend Links</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 25 Sep 2010 12:08 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;"><b>New blogs on the Frugal Blogroll:</b><br />
Editor's choice, chosen for clean template and solid content:<br />
<ul><li><a href="http://savingmoneytoday.net/">Saving Money Today -- Earn More. Save More. Live More.</a> - A personal finance blog with advice on saving money, getting out of debt, and making money extra money. This post won the Best of Money Carnival in August: <a href="http://savingmoneytoday.net/2010/7-things-i-learned-watching-honeymooners-re-runs/">7 Things I Learned Watching Honeymooners Re-runs</a></li>
</ul>And 4 more new members to meet and greet. Let's give them a hearty hello!<br />
<ul><li><a href="http://smartmomssavingmoney.blogspot.com/">Smart Moms Saving Money</a> - My site is geared towards helping you find and afford the items you and your family want and need. Here you will find deals, coupons, discount codes and tips to help you get your hard earned money to go farther and working towards never having to pay retail prices ever again.</li>
<li><a href="http://www.alittlejunkinmytrunk.blogspot.com/">A Little Junk In My Trunk</a> - My blog is about my amazing Goodwill finds, fugal homekeeping and how to thrift shop for your entire family in a beautiful way!</li>
<li><a href="http://qponsavingmommas.blogspot.com/">Qpon $aving Mommas</a> - A site to help you maximize your savings by using coupons, freebies and deals.</li>
<li><a href="http://couponlovinmom.com/">Coupon Lovin' Mom</a> - I post deals as I find them online. I do weekly match-ups for Rite Aid, CVS, Walgreens and also Kroger and VG's.</li>
</ul><b>Some links from readers and my own inbox:</b><br />
<ul><li>Mary shares tips on <a href="http://marynate.blogspot.com/2010/09/my-house-is-going-to-be-blue.html">trimming the cost of siding</a>.</li>
<li>Enterprise Rent-A-Car is offering a <a href="http://www.enterprise.com/car_rental/deeplinkmap.do?bid=002&cust=MSWSRTA&referedPage=multiDivOffer">$9.99 per day weekend travel special </a>and it runs through May 2011. Enterprise is offering the special rate for its customers - families and individuals who will be taking fall weekend driving vacations to enjoy nice weather, colorful scenery and weekend festivals. The weekend special is available at most of Enterprise's more than 5,000 neighborhood locations.</li>
<li><a href="http://www.sunnygain.com/">Sunnygain</a>: If you suffer from SOS (Shiny Object Syndrome) this might be a good way to get your fix. Free shipping on all orders over $20.</li>
</ul><b>Good reads from around the web:</b><br />
<ul><li><a href="http://www.fivecentnickel.com/2010/09/13/more-than-you-think-the-true-cost-of-a-college-education-in-america/" rel="bookmark" title="Permanent Link to More than You Think: The True Cost of a College Education in America">More than You Think: The True Cost of a College Education in America</a> - Four or more years of lost income may make you think twice.</li>
<li><a href="http://www.thesimpledollar.com/2010/09/14/personal-philanthropy-twenty-ways-to-improve-the-world-even-if-youre-broke/">Personal Philanthropy: Twenty Ways to Improve the World, Even If You're Broke</a> - Good list here. How many ways have you done it?</li>
<li><a href="http://www.savingadvice.com/articles/2010/09/08/106493_panhandle-strange-ways-to-make-money.html">Panhandle: Strange Ways to Make Money</a> - This series has been interesting, to put it mildly. Options explored vary from offbeat to offensive, while ethics are all over the place.</li>
<li><a href="http://www.simplebites.net/9-good-reasons-to-can-your-own-food/">9 Good Reasons to Can Your Own Food</a> - I just started canning again for the first time in 15 years, and I'm loving it!</li>
<li><a href="http://ptmoney.com/2010/09/15/15-more-things-you-shouldnt-be-paying-for/">15 More Things You Shouldn't Be Paying For</a> - Good list, but what I really want to know is <i>what were the first 15 things?</i></li>
<li><a href="http://lenpenzo.com/blog/id1283-if-you-cant-live-on-40000-per-year-its-your-own-fault.html">If You Can't Live on $40,000 Per Year, It's Your Own Fault</a> - Even with our 10 kids, I agree. It's not easy, but it's possible. Hard times beget hard choices.</li>
</ul><hr /><a href="http://frugalhacks.com/advertise/">Advertise here</a> <br />
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</tbody></table>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-31408932212466928532010-09-25T21:14:00.001-04:002011-03-21T13:13:47.091-04:00PROFIT-Xtra Small Business Newsletter<div dir="ltr" style="text-align: left;" trbidi="on"><table border="0" cellpadding="0" cellspacing="0"><tbody>
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<tr> <td align="left"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl1"><img border="0" height="38" hspace="0" src="http://www.canadianbusiness.com/images/newsletter/small_biz/msandpr_312x46.gif" vspace="0" width="200" /></a></td> <td align="right"><table border="1" bordercolor="#c6c9cb" cellpadding="3" cellspacing="0" height="62" style="width: 290px;"><tbody>
<tr> <td align="center" bgcolor="#e2e3e0" valign="middle"><a class="more" href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl1">Visit PROFITguide.com for small business news, podcasts and rankings. <br />
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<tr valign="top"> <form action="http://www.canadianbusiness.com/stock_lookup.jsp?" id="search1" method="post"></form><input name="search" type="hidden" value="yes" /> <input name="searching" type="hidden" value="yes" /> <input name="searchcondition" type="hidden" value="start" /> <input name="searchfield" type="hidden" value="symbol" /> <td background="/images/tool-bg-light.gif"></td> <td align="right" background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" nowrap="nowrap" valign="middle" width="10"><input class="toolbarforms" name="searchstring" size="8" value="Quote" /> </td> <td align="right" background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" nowrap="nowrap" valign="top" width="10"><img height="3" src="http://rankings.canadianbusiness.com/ms_images/blank.gif" width="12" /><br />
<select class="toolbarforms" name="exchange" size="0"> <option selected="selected" value="can">Canada</option> <option value="usa">US</option> </select> </td> <td background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" width="85"><input align="left" border="0" height="25" name="imageField" src="http://rankings.canadianbusiness.com/ms_images/gobutton-toolbar.gif" type="image" width="47" /> </td> <form action="http://search.canadianbusiness.com/search.asp" id="Search" method="GET" name="Search"></form><input id="Start" name="Start" type="hidden" value="" /> <input id="Total" name="Total" type="hidden" value="" /> <input id="Stat" name="Stat" type="hidden" value="New" /> <td align="right" background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" valign="middle" width="70"><input class="toolbarforms" id="query" name="Query" size="15" type="text" value=" Site Search" /> </td> <td background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" width="85"><input align="left" border="0" height="25" name="go" src="http://rankings.canadianbusiness.com/ms_images/gobutton-toolbar.gif" type="image" width="47" /> </td> <td background="/images/tool-bg-light.gif"></td> </tr>
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<tr> <td class="head2" height="30" valign="middle">PROFIT-Xtra Small Business Newsletter </td> <td align="right" class="date" valign="middle">September 24, 2010</td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">ANNOUNCEMENT</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><b>We're pleased to announce that MoneySense and PROFIT are joining forces to create the ultimate small-business newsletter. In the coming weeks, your MoneySense Small Business Newsletter will merge with PROFIT-Xtra, the e-newsletter of PROFIT, Canada's award-winning and best-read magazine for small and mid-sized business leaders. We're going to combine the best of both under the PROFIT-Xtra banner to give you more of the insights, ideas and information you need to do business better. Stay tuned for more details. Until then, please enjoy this week's issue. </b></td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">FEATURED STORY</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><b><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl2">PROFIT HOT 50: Canada's hottest startup</a></b><br />
Does two-year revenue growth of 2,277% sound impossible? Not for Mark Cahsens' company Great Circle Works, the top performer of the PROFIT HOT 50.</td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl3">Fall Economic Outlook</a></td> </tr>
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<tr> <td align="left" class="" valign="top">Labour Day has come and gone and we are now at the beginning of what many people call the start of the real business year. In this episode of the Business Coach Podcast, PROFIT editor Ian Portsmouth chats with Doug Porter, the Deputy Chief Economist at BMO Capital Markets in Toronto, about his Fall economic outlook.</td></tr>
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<tr> <td align="right" class="leftnav" colspan="" width=""><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl3"><b>Click here to listen.</b></a></td> <td rowspan="2" width="12"> </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">TECHNOLOGY</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl31"><b>The Fast50 list: Canada's fastest-growing tech companies </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl41"><b>NexJ owner says his success has nothing to do with luck.</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top"> » </td> <td align="left" class="leftnav"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl42"><b>Own the future: Three tips for modernizing your business</b> </a> </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">DID YOU KNOW …</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%">... that you're not the only business owner to get stiffed by a client? Find out <a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl43">how to get the money you're owed</a>, without losing the customer. </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">MANAGING</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl44"><b>Is your employees' BMI your business?</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl46"><b>Company culture: Invisible weapon</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl47"><b>Steve Jobs: Copy the Apple CEO's presentation style</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl48"><b> You are your biggest management challenge.</b></a></td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">SALES & MARKETING</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl49"> <b>How to really listen to your customers</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl50"> <b>Seven things the best sales managers do </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl51"><b>Same message, different messenger</b> </a> </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">READ ALL ABOUT IT (Amazon)</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl52"><b>A Guide to the Project Management Body of Knowledge </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl53"><b>Strengthsfinder 2.0 </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/sbnl54"><b>Driven: How To Succeed In Business And In Life</b> </a> </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">QUOTE</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%">"The amount of money you have has got nothing to do with what you earn. People earning a million dollars a year can have no money, and people earning $35,000 a year can be quite well off. It's not what you earn; it's what you spend."<br />
— Paul Clitheroe</td> </tr>
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</tbody></table><img alt="" height="1" src="http://mailtrack.rnm.ca/do/462100/1208860/1.gif" width="1" /><img alt="" height="1" src="http://mailtrack.rnm.ca/db/536069/8998384/1.gif" width="1" /><img src="http://email.moneysense.ca/a/hBMnQcEA0TzmeB8U4CdAy5JdtIo/spacer.gif" /></div>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-2948329292765105592010-09-25T21:13:00.000-04:002010-09-25T21:13:54.244-04:00Book Winner and Weekend Links: Million Dollar Journey<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">Book Winner and Weekend Links: Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/qNhDsSIBZxo/book-winner-and-weekend-links.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Book Winner and Weekend Links</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 24 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fbook-winner-and-weekend-links.htm"><br />
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</a> </div><div class="first-child "><span class="cap" title="A">A</span> couple weeks back I wrote a favorable review of <a href="http://www.milliondollarjourney.com/book-review-and-giveaway-rob-carricks-guide-to-whats-good-bad-and-downright-awful-in-canadian-investments-today.htm">Rob Carricks latest book</a> with a book giveaway. Out of the entries from Facebook and commenters, the randomly chosen winner is ….Bernie Klunder!</div>If you use Facebook, you can follow the <a href="http://www.facebook.com/pages/Million-Dollar-Journey/122480614465147">Million Dollar Journey community here</a>! Or if you prefer twitter, you can <a href="http://twitter.com/frugaltrader">find me here</a>.<br />
<h3>Weekend Links</h3><a href="http://www.milliondollarjourney.com/making-tax-installment-payments.htm">Making Tax Installment Payments</a> @ One Year Ago in the Archives<br />
<a href="http://canadianmoneyforum.com/showthread.php?t=3795">Multiple Tier Savings plans</a> @ Canadian Money Forum<br />
<a href="http://www.walletpop.ca/blog/2010/09/21/how-to-save-on-long-distance-and-local-minutes-using-skype/">How to Save $$ on Long Distance and Local Minutes Using Skype</a> @ Wallet Pop<br />
<a href="http://www.thedigeratilife.com/blog/recession-over-economic-boom-bust/">Is The Recession Really Over? Economic Boom and Bust</a> @ Digerati Life<br />
<a href="http://michaeljamesmoney.blogspot.com/2010/09/defending-all-stock-portfolio.html">Defending the All-Stock Portfolio</a> @ Michael James on Money<br />
<a href="http://www.budgetinginthefunstuff.com/2010/08/carnival-of-personal-finance-272-yogo-berra-edition/">Carnival of Personal Finance</a> @ Budgeting in the Fun Stuff<br />
<a href="http://www.canadiancapitalist.com/energy-savings-often-exaggerated/">Energy Savings Often Exaggerated</a> @ Canadian Capitalist<br />
<a href="http://www.lazymanandmoney.com/seven-things-you-must-do-before-an-emergency/">Seven Things You Must Do to Prepare for An Emergency</a> @ Lazy Man and Money<br />
<a href="http://www.moneysmartsblog.com/the-high-cost-of-being-frugal/">The High Cost of Being Frugal</a> @ Money Smarts Blog<br />
<a href="http://www.thesunsfinancialdiary.com/charts/poverty-rate-reaches-15year-high/">U.S. Poverty Rate Reaches 15-Year High</a> @ Sun’s Financial Diary<br />
<a href="http://blog.canadian-dream-free-at-45.com/2010/09/20/safe-retirement-income/">Safe Retirement Income</a> @ Canadian Dream<br />
<a href="http://moneysmartlife.com/waterproofing-your-basement-against-costly-damage/">Waterproofing Your Basement Against Costly Damage</a> @ Money Smart Life<br />
<a href="http://www.thickenmywallet.com/blog/wp/2010/09/13/are-you-overlooking-these-tax-svings/">Are you overlooking these tax savings?</a> @ Thicken My Wallet<br />
<a href="http://www.mydollarplan.com/moving-to-100-in-stocks/">Moving to 100% in Stocks</a> @ My Dollar Plan<br />
<a href="http://www.thefinancialblogger.com/which-jobs-would-you-choose-if-you-were-millionaire/">Which Jobs Would You Choose If You Were Millionaire?</a> @ Financial Blogger<br />
<a href="http://www.bripblap.com/how-to-deal-with-a-financial-crisis/">how to deal with a financial crisis</a> @ Brip Blap<br />
<a href="http://wheredoesallmymoneygo.com/is-hxt-really-that-complex-and-risky/">Is HXT Really THAT Complex and Risky?</a> @ Where Does All My Money Go<br />
<a href="http://frugaldad.com/2010/09/20/couples-and-money-should-each-partner-have-a-little-my-money/">Couples and Money: Should Each Partner Have a Little "My" Money?</a> @ Frugal Dad<br />
<a href="http://canadianfinanceblog.com/2010/09/20/10-ways-to-save-money-on-a-birthday-party.htm">10 Ways To Save Money On A Birthday Party</a> @ Canadian Finance Blog<br />
<a href="http://genxfinance.com/2010/09/15/the-lost-decade-of-investing/">The Lost Decade of Investing: Was All Really Lost?</a> @ Generation X Finance<br />
<a href="http://balancejunkie.com/2010/09/20/are-you-ready-for-biflation/">Are You Ready for Biflation?</a> @ Balance Junkie <br />
<i><b>Popular Posts:</b></i><br />
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</ul><span style="font-size: xx-small;">Copyright 2010 <a href="http://www.milliondollarjourney.com/">MillionDollarJourney</a> – All Rights Reserved</span><br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/t-tVoQcR6Do/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">When Recipes Fail</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 24 Sep 2010 04:33 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">Mistakes in the kitchen can be fatal to the family budget, can't they? Sometimes they really can't be fixed, either- a badly and thoroughly scorched soup may be suitable only for the pig trough, if you have a pig, the garbage disposal otherwise. But sometimes there are some tricks to salvage some food mishaps.<br />
Burned cookies and toast, you probably know, can be salvaged by taking the edge of a table knife to them and scraping the charred bits off and into the sink or trash can (not if they are burned all the way through).<br />
If you scorch the soup and realize it in time- quickly turn it off and whatever you, don't stir. Carefully ladle out the top 3/4- slowly, carefully, taste testing along the way to be sure you don't have any scorched flavor in it. Toss the rest.<br />
If you make yogurt and it fails to 'yogh' you can still use it in bread, biscuits, and coffee cake- wherever sour milk or buttermilk is called for.<br />
Last week my daughter made the following recipe, and it really didn't turn out as we had hoped. It was rather gloppy. The tortillas just dissolved into the mixture so you couldn't tell they were there. It was a little strong in flavor- saltier than we like. But we found three delicious ways to 'fix' it. Here is the recipe, and the fixes follow:<br />
6 cups cooked ground beef-<br />
1 tsp ground cumin<br />
2 jar (16 oz) salsa<br />
1 1/2 cups chopped fresh tomato<br />
2 can (4 oz) chopped green chilis<br />
2.5 cups cooked pinto beans (or kidney or black, or refried beans)<br />
corn tortillas (8-in)- 5 or 6<br />
cheese, grated combination of cheddar, monterey jack, or colby<br />
Toppings: sour cream and chopped tomato; cilantro, if available<br />
spray pans with foil (for ease of prep I bought disposable pie tins. You can line your own pie pans with foil, spray the foil, and then freeze the dishes, removing the food and wrapping it better after it's frozen).<br />
Mix the meat with ground cumin, chili powder etc. Stir in salsa, tomato, chiles and beans.<br />
alternate layers of meat and bean mixture with tortillas. Put in crockpot- really, this should have been an oven recipe, not a crockpot recipe (in fact, <a href="http://heartkeepercommonroom.blogspot.com/2006/07/freezer-meal-enchilada-pie.html">here's the version</a> for the oven, and it makes a nice freezer meal, too). But it was made in the crockpot and we had a lot leftover. I can't really describe the flavor- it wasn't really bad, it was just overpowering, and the texture was unpleasant as a main dish on the plate.<br />
Fixes:<br />
It made a dandy dip for corn chips, especially with extra salsa mixed in with it<br />
We spooned it into flour tortillas, rolled them, baked it, and then topped with sour cream and salsa, or topped it with a dip made of cream cheese and salsa melted and whisked together.<br />
It would also make a hearty soup if you <a href="http://heartkeepercommonroom.blogspot.com/2009/09/taco-soup.html">whisked it into this taco soup</a>.<br />
It would have made a tasty<a href="http://heartkeepercommonroom.blogspot.com/2006/05/empaadas.html"> filling for empanadas</a>, too.<br />
What are some of your tricks and tips for recipes that don't turn out quite as planned?<br />
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<tr> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/61VO9GxdZ_M/?utm_source=feedburner&utm_medium=email" name="2" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Frugal Home Education</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 23 Sep 2010 06:11 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">Listening to the CD while working in the kitchen, my thoughts began to crystallize. Of course! This tale of men of honor from the past, who sacrificially gave their lives to allow women and children to be the first to survive, would make an excellent unit study!<br />
Having had the privilege of teaching my children at home for over 20 years, frugal home education has always been an area to encourage my creativity and resourcefulness. Now as I continued to listen to deeds of bravery and courage, I began to plan a unit study.<br />
<div style="text-align: center;"><b>The topics could be endless as I considered some cataclysmic events such as:</b></div><div style="text-align: center;">The Titanic</div><div style="text-align: center;">The Birkenhead.</div><div style="text-align: center;"><b>Then there were the men who encouraged manliness:</b></div><div style="text-align: center;">Teddy Roosevelt</div><div style="text-align: center;">Lord Baden Powell</div><div style="text-align: center;">William Wallace.</div><div style="text-align: center;">My study could also include:</div><div style="text-align: center;">The Study of Shipbuilding</div><div style="text-align: center;">The Spanish America War</div><div style="text-align: center;">The Boy Scouts.</div><div style="text-align: center;"><b>And of course I could include the subjects of :</b></div><div style="text-align: center;">History</div><div style="text-align: center;">Language Arts</div><div style="text-align: center;">Science</div><div style="text-align: center;">Art.</div>There were so many ways to approach this idea. I could listen again with pen in hand and pick the topics that could be easily woven into our present areas of study, or Youngest Son and I could listen together and he could choose the topics most interesting to him.<br />
In case you are interested the 2 Cd set I was listening to is <a href="http://affiliates.visionforum.com/idevaffiliate.php?id=596&url=1093">The Heroism of the Fathers is the Legacy of the Sons</a>. And yes, I will tell you that I am an affiliate of Vision Forum (LINK) Also, if you too enjoy listening to Cds, Check out the <a href="http://affiliates.visionforum.com/idevaffiliate.php?id=596&url=1092">Kit and Kaboodle Library sale</a> - 40 Cds for $99.00! That is around $2.50 per Cd! It sure works for me!<br />
What about you? Any more frugal tips for home education?<br />
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">A Primer on Corporate Bonds – III (Other Risks): Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/Y2PT1b2slgk/a-primer-on-corporate-bonds-other-risks.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">A Primer on Corporate Bonds – III (Other Risks)</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 22 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fa-primer-on-corporate-bonds-other-risks.htm"><br />
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</a> </div><div class="first-child "><i><span class="cap" title="T">T</span>his is a guest column by regular contributor Clark.</i></div>The last article on corporate bonds looked at <a href="http://www.milliondollarjourney.com/a-primer-on-corporate-bonds-ii-credit-risk.htm">corporate credit ratings/risk</a> and Part IV dealt with some metrics to remember when <a href="http://www.milliondollarjourney.com/a-primer-on-bonds-%E2%80%93-ii-investing-in-bonds.htm">purchasing individual bonds</a>. In this part, we'll look at other risks and touch upon the issue of corporate governance.<br />
<h3>Other Risks</h3>Government bonds protect an investor from credit risk, since it is relatively uncommon for countries to go <a href="http://www.milliondollarjourney.com/claiming-capital-loss-from-a-delisted-stock.htm">bankrupt</a> when compared to corporations. Corporations offset the additional risk borne by an investor, when holding corporate bonds, by providing better yields than government bonds. Apart from the risk of <a href="http://www.milliondollarjourney.com/new-mortgage-rules-for-canadians.htm">default</a> and credit risk, there are other risks that an investor would need to be aware of.<br />
<ol><li><b>Liquidity Risk</b>. In the case of individual bonds, there may not be a buyer available when needed, thereby giving grief to the bondholder. Also, the bid-ask spread may be higher than bond ETFs.</li>
<li><b>Call Risk</b>. Certain corporate <a href="http://www.milliondollarjourney.com/what-are-bonds-types-of-bonds.htm">bonds are issued as callable</a>; these bonds give a company the right to pay off their debt (repurchase the bond) earlier than the maturity date but after a minimum time period. Companies may compensate for this right by offering a higher yield than conventional corporate bonds. Why would a company repurchase their bond? In a market where interest rates have dropped, they would call their bond and re-issue new ones at prevailing lower interest rates. It is a case of taking advantage of market fluctuations and issuing callable bonds gives them the authority to do so.</li>
<li><b>Event Risk</b>. As may be evident from the name, any event such as natural disaster, political instability or change in securities regulations may affect corporate bonds. If such an event triggers an adverse impact to the industrial sector of the corporation, then the ratings agencies may downgrade the company's credit rating. It is not necessary that all companies that have issued bonds in the sector will face the brunt, since some companies may be more financially <a href="http://www.milliondollarjourney.com/leveraging-into-equities-%E2%80%93-the-only-source-of-wealth.htm">leveraged</a> than the others. Hence, the individual liability of the business plays a big part in determining the result of the event.</li>
<li><b>Supply Risk</b>. If several bond issues similar to the current one are floated, then the basic supply vs. demand factor may cause a drop in prices.</li>
</ol><h3>Corporate Governance Ratings</h3>No matter how good the balance sheet of a corporation, it wouldn't take long for a poor management team to push the company to the edge of the precipice. Stories of companies going bankrupt due to management malpractices are <a href="http://en.wikipedia.org/wiki/Enron_scandal">well-known</a>. To counter such adverse results, corporate governance ratings are published. Company board members may or may not hold these ratings in high regard but they cannot disregard the impact of poor governance ratings.<br />
Consistent poor ratings convey to investors that the management is not doing a reasonable job and the board does not want to take action to change the status quo. Prolonged failure to deal with such situations may affect the quality of directors on board, since the good ones may leave if they find too many from the "we don't care" camp and cannot enforce the right measures. Also, in their own self-interest, they will not want to be associated with such companies since it would reflect poorly on their personal credentials and future prospects.<br />
Although the issue of corporate governance is important, there seems to be an apparent lack of validity to the ratings issued by the different services as discussed by this <a href="http://www.chamberpost.com/files/Draft_of_Governance_Ratings.pdf">study</a>. If you are interested in knowing more about these ratings, check out these <a href="http://www.riskmetrics.com/knowledge/governance">Risk Metrics</a>, <a href="http://www.governance.standardandpoors.com/">Standard & Poor's</a> and <a href="http://www.thecorporatelibrary.com/info.php?id=60"> Corporate Library</a> pages for more and better details.<br />
As seen from this three-part series on <a href="http://www.milliondollarjourney.com/a-primer-on-corporate-bonds-%e2%80%93-i-credit-ratings.htm">corporate bonds</a>, there are several factors to be considered before buying an individual bond issue. The presence of credit rating agencies eases the selection process by narrowing the list of companies. Yet, there are other risk factors that need to be considered before becoming an individual bond investor. For investors who lack the time, interest or skill to research bonds, it would be wise to buy a <a href="https://www.tdassetmanagement.com/Content/Products/MutualFunds/Funds/p_FundCard.asp?FID=4817&PID=10&SI=5">bond fund</a> or <a href="http://ca.ishares.com/product_info/fund_overview.do?ticker=XBB">bond ETF</a>. They could even go for a higher-yield security, where a few defaults will not entail significant principal loss because of the diversification.<br />
<i><b>About the Author</b>: Clark is a twenty-something Saskatchewan resident employed in the manufacturing sector. He repaid around $20,000 in student loans and has been working to build his investment portfolio as a DIY investor (not trader) while nurturing plans to retire early. He loves reading (and using the lessons learned) about personal finance, technology and minimalism.</i> <br />
<i><b>Popular Posts:</b></i><br />
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<li><a href="http://www.milliondollarjourney.com/the-smith-manoeuvre-a-wealth-strategy-part-2.htm"><b>The Smith Manoeuvre – A Wealth Strategy – II</b></a></li>
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<tr> <td style="background-color: #cc0000;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=3" target="_blank"><img align="left" alt="RedFlagDeals.com" border="0" height="65" src="http://images.redflagdeals.com/rfdimages/newsletter/newsletterHeadLogo.png" width="267" /></a></td> <td style="background-color: #cc0000;"><img align="right" alt="Bargains Newsletter" border="0" height="65" src="http://images.redflagdeals.com/rfdimages/newsletter/newsletterHeadTitle.png" style="float: right;" width="267" /></td> </tr>
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<tr> <td style="height: 34px; padding: 0pt; width: 50%;"></td> <td style="height: 34px; padding: 0pt; width: 63px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=4"><img alt="Home" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_home.png" width="63" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 60px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=5"><img alt="Deals" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_deals.png" width="60" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 83px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=6"><img alt="Coupons" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_coupons.png" width="83" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 83px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=7"><img alt="Freebies" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_freebies.png" width="83" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 75px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=8"><img alt="Forums" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_forums.png" width="75" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 99px;"><img alt="Newsletter" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_newsletter.png" width="99" /> </td> <td style="height: 34px; padding: 0pt; width: 50%;"></td> </tr>
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<tr> <td style="padding: 20px;"><span style="color: #000066; font-family: verdana,arial; font-size: medium;">Welcome to Issue 178 of the RedFlagDeals.com Newsletter!</span> <br />
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<span style="font-family: verdana,arial; font-size: x-small;"> Check out this week's deals, coupons and freebies below! </span> <br />
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<tr> <td align="center" style="padding: 3px;"><span style="color: white; font-family: verdana,arial; font-size: xx-small;"><b>FEATURED DEAL</b></span></td> </tr>
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<div align="center"><span style="font-family: verdana,arial; font-size: x-small;"><b> SPONSORED: Limited Time Offers & Free Shipping* @ TigerDirect.ca! </b></span> <br />
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<tr valign="top"> <td width="120px"><img alt="Image" border="0" src="http://images.pricecanada.com/images/newsletter/issue_0065_featured.jpg" /> </td> <td> </td> <td align="left"><span style="font-family: verdana,arial; font-size: x-small;"> Your pick of an Asus 10.1" Netbook for only $240 or a sleek Asus 15.6" Laptop for only $570, both Amazing deals. <br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=9">ASUS Eee PC 1005HA Netbook - $239.97</a><br />
- Intel Atom N270, 1GB DDR2, 160GB HDD, 10.1" WSVGA, Windows XP Home<br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=10">Asus UL50VT Ref. Laptop PC - $569.97</a><br />
- Intel Core 2 Duo SU7300, 4GB DDR3, 500GB HDD, 15.6" HD, Windows 7 Home Premium 64-bit<br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=11">Gateway DX4300 Ref. Desktop PC - $579.97</a><br />
- AMD Phenom II X4 810, 8GB DDR2, 1TB HDD, Windows 7 Home Premium 64-bit<br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=12">LG W2243T-PF 22" Widescreen LCD Monitor - $154.99 & Free Shipping</a> <br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=13">Free Shipping</a> on select items. See site for details. <br />
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<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=14">Join us on Facebook and be a fan!</a> </span> </td> </tr>
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<tr valign="top"> <td bgcolor="#fbfbfb" style="border: 1px solid rgb(216, 216, 216); padding: 5px 10px;"><span style="color: #000066; font-family: verdana,arial; font-size: medium;">Popular Deals</span></td> </tr>
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 10818 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=15">Gap Sale Online: Denim Jacket $35 (was $79.50), Sexy Boot Jeans $20 (was $69.50), Free Ship on $50+!</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 4561 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=16">Free Sample of Honey Nut All-Bran Bar Plus a 50¢ Coupon (Back Again!)</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 4429 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=17">Canadian Tire 88th Birthday Sale - 60% Off Tempo Treadmill, 55% Off 100-Pc Hammer Drill Kit</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 4154 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=18">Spring Shoes Sale Section - $19.98 Ballerina Flats, $29.98 Boots & Free Shipping</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3720 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=19">Storage Sale @ Dell: WD 1TB 3.5” Ext HD $74.99, WD 640GB Portable 2.5” USB 2.0 HD $79.99 & More</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3072 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=20">Costco.ca: Dresden Stainless Steel Wall-Mount Electric Fireplace - $199.99 Until October 3</a> </b></span></td> </tr>
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3006 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=21">JYSK.ca: Kansas Corner Sofa $499, Santiago Queen Bed Frame $199 + $10 Coupon Offer</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 2976 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=22">Walmart Anniversary Flyer: Nintendo DSi $109, Pampers/Huggies Giant Pack $19.97 & Much Much More!</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 2863 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=23">BananaRepublic.ca Fall Sale: Up to 30% Off Select Styles (+ 15% Off Coupon Code!)</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 2586 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=24">Dell.ca: Vostro 430 PC w/i7-870/4GB RAM/320GB/2yr Warranty $729 or 8GB RAM $789 (updated)</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 2134 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=25">TheSource.ca: Toshiba 13.3” Laptop w/Turion Neo X2 Dual-Core, 3GB RAM, 320GB HD, HDMI, Win 7 $399.99</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 1967 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=26">Get 15% Off At Gap, Old Navy & Banana Republic Online!</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 1899 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=27">CBCShop.ca Sale Items: Logo USB Key $14.98, Women’s Coronation Street T-Shirt - $5.98 & More</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 1786 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=28">Newegg.ca: Samsung GSM Unlocked Flip Phone $35, Hanns-G 19” 1440x900 LCD $95</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 1688 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=29">Princess Auto: 50% Off Tarps, Engine Covers, Battery Testers & More - Until September 26</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 1683 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=30">BestBuy.ca & FutureShop.ca: Boxee Box Wireless HD Media Player Pre-Order $199.99 + Free Shipping</a> </b></span></td> </tr>
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<tr valign="top"> <td><span style="color: #000066; font-family: verdana,arial; font-size: medium;">RedFlagDeals.com Editor's Picks</span> <br />
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<tr valign="top"> <td><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=31"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/ds_silver.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/hmv_nintendo_ds_lite_silver_rose_or_crimson_black_is_9999/%20">HMV: Nintendo DS Lite (Silver, Rose or Crimson/Black) is $99.99</a></b><br />
This isn't exactly a cutting-edge, state of the art tech deal, but at $40 less than any other Canadian retailer, it's a really solid offering on an extremely popular handheld. It would make a great holiday gift or birthday present. Or you could buy a few and pass them out to the screaming, unruly kids sitting behind you on your next flight. <b>- Andrew</b> <br />
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<tr valign="top"> <td><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=33"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/miele_w.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/get_a_free_10_year_warranty_on_any_miele_appliance_vacuum_or_coffee_system/%20">Get a Free 10-Year Warranty on any Miele Appliance, Vacuum or Coffee System Purchased Before Oct. 3</a></b><br />
I have a wide variety of household appliances (including no less than three vacuums) but Miele have a reputation for being the best and this free 10-year warranty deal is really tempting! There are tons of Miele distributors in Canada (including Sears, the Bay and lots of smaller shops) and I might just stop by one and pick up a new vacuum. Which, yes, would be my fourth. <b>- Kate</b> <br />
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<tr valign="top"> <td><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=35"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/naturalizersept_thumb.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=35">Naturalizer.ca: 25% Off + Free Shipping On All Orders Until September 28</a></b><br />
Nothing makes me happier than buying new fall footwear -- except maybe saving 25% and getting free shipping to boot (or shoe, or sandal...)! <b>- Amanda</b> <br />
</span> </td> </tr>
<tr valign="top"> <td><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/bestbuyca_futureshopca_boxee_box_wireless_hd_media_player_pre_order_19999_f/%20"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/boxee.jpg" /></a><br />
<br />
</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/bestbuyca_futureshopca_boxee_box_wireless_hd_media_player_pre_order_19999_f/%20"> BestBuy.ca & FutureShop.ca: Boxee Box Wireless HD Media Player Pre-Order $199.99 + Free Shipping</a></b><br />
Love the design and the full QWERTY keyboard built into the remote of this sweet looking media player for your living room. Regular price is $229 US, Amazon.com has it for $199.99 US so $199.99 Canadian with free shipping is nice. I pre-ordered one. <b>- Derek</b> <br />
</span> </td> </tr>
</tbody></table></td> <td style="padding-left: 20px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=39" target="_blank"><img border="0" height="250" src="http://images.redflagdeals.com/rfdimages/newsletter/sponsored/thesource/en_300x250_thesource_dailydeals_v1.gif" width="300" /></a> </td> </tr>
</tbody></table><br />
<br />
<table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="top"> <td bgcolor="#fbfbfb" style="border: 1px solid rgb(216, 216, 216); padding: 10px;"><div align="center"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=40"><span style="color: #000066; font-family: verdana,arial; font-size: medium;">Deal of the Day Savvy Saver Contest: Chance Win $10,000 Cash!</span></a></div><br />
<span style="font-family: verdana,arial; font-size: x-small;"> <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=40"><img align="right" alt="Image" border="0" height="147.5" src="http://www.dealofthedaycontest.com/templates/visual/en/images/share.jpg" style="margin-left: 5px;" width="117.5" /></a> </span><br />
<span style="font-family: verdana,arial; font-size: x-small;">RedFlagDeals.com's Deal of the Day is almost here! In anticipation of its launch, we're excited to announce the <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=40"><b>Savvy Saver Contest</b></a>! You have a chance to win up to $10,000 (and if you refer the winner, you receive $5,000)!</span><br />
<span style="font-family: verdana,arial; font-size: x-small;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=40"><b>Click here to enter now! </b></a></span><br />
<span style="font-family: verdana,arial; font-size: x-small;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=44">Read the full contest rules here.</a> <br />
<br />
</span></td> </tr>
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<span style="color: #000066; font-family: verdana,arial; font-size: medium;">@ RedFlagDeals.com HQ</span> <br />
<br />
<span style="font-family: verdana,arial; font-size: x-small;"> <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=45">Deal of the Day</a> is coming very, very soon. Stay tuned! <br />
<br />
All the best,<br />
<b>The RedFlagDeals.com Team </b> <br />
<br />
</span> </td> </tr>
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<tr valign="middle"> <td style="width: 200px;"><br />
</td> <td align="center" style="font-family: arial,verdana; font-size: 11px; padding: 5px 20px;">Copyright © 2000 - 2010 RedFlagDeals.com. All rights reserved. <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=48" target="_blank">PRIVACY POLICY/TERMS OF USE</a><br />
Yellow Pages Group, Deals, Coupons and Shopping Division - 381 Queen Street West, Suite 301, Toronto, Ontario M5V 2A5<br />
<b>Yellow Pages Group</b> and the <b>Walking fingers design logo</b> are trademarks of <b>Yellow Pages Group Co.</b> in Canada. </td> <td style="padding-right: 20px; text-align: right; width: 200px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhecpnklioihpkbijofhmi&M=49"><img alt="Yellow Pages Group" border="0" height="23" src="http://images.redflagdeals.com/ypglogo/ypg_logo_ffffff.png" width="132" /></a></td> </tr>
</tbody></table>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-53779170934667252492010-09-25T21:09:00.000-04:002010-09-25T21:09:12.196-04:00RedFlagDeals.com: Deal of the Day is Coming This Week!<link href="http://www.redflagdeals.com/css/newsletter.css" rel="stylesheet" type="text/css"></link> <br />
<div align="center"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=1"><span style="font-family: verdana,arial; font-size: 10pt;">Having trouble viewing this email? Click here for the web version.</span></a></div><br />
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<tr> <td style="background-color: #cc0000;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=2" target="_blank"><img align="left" alt="RedFlagDeals.com" border="0" height="65" src="http://images.redflagdeals.com/rfdimages/newsletter/newsletterHeadLogo.png" width="267" /></a></td> <td style="background-color: #cc0000;"><img align="right" alt="Bargains Newsletter" border="0" height="65" src="http://images.redflagdeals.com/rfdimages/newsletter/newsletterHeadTitle.png" style="float: right;" width="267" /></td> </tr>
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<tr> <td style="height: 34px; padding: 0pt; width: 50%;"></td> <td style="height: 34px; padding: 0pt; width: 63px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=3"><img alt="Home" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_home.png" width="63" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 60px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=4"><img alt="Deals" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_deals.png" width="60" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 83px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=5"><img alt="Coupons" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_coupons.png" width="83" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 83px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=6"><img alt="Freebies" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_freebies.png" width="83" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 75px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=7"><img alt="Forums" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_forums.png" width="75" /></a> </td> <td style="height: 34px; padding: 0pt; width: 2px;"><img height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/spacer.gif" width="2" /> </td> <td style="height: 34px; padding: 0pt; width: 99px;"><img alt="Newsletter" border="0" height="34" src="http://images.redflagdeals.com/rfdimages/newsletter/navmenu_newsletter.png" width="99" /> </td> <td style="height: 34px; padding: 0pt; width: 50%;"></td> </tr>
</tbody></table></td> </tr>
</tbody></table><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr> <td style="padding: 20px;"><span style="color: #000066; font-family: verdana,arial; font-size: medium;">Deal of the Day is Coming This Week!</span> <br />
<br />
<br />
<table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="top"> <td bgcolor="#fbfbfb" style="border: 1px solid rgb(216, 216, 216); padding: 10px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=8"><b>Deal of the Day</b></a> will be launching this week! Soon, you will be able to get big discounts on fun things to do, eat, and see in your city! It brings the power of you and the community together to save on the products and services you love the most.<br />
Stay tuned for exciting deals coming up this week including <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=9"><b>Go Dance Mambo</b></a> and <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=10"><b>About Cheese</b></a> in Toronto, and <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=11"><b>Arbraska</b></a> and <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=12"><b>Action 500 Karting</b></a> in Montreal.<br />
<a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=8"><b>Sign up now</b></a> to make sure you don't miss out on these special offers and <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=14"><b>play Savvy Saver</b></a> for your chance to win up to $10,000!<br />
<br />
<br />
<div align="center"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=14"><img 0;="" alt="Play Savvy Saver for your chance to win $10,000!" border:="" src="http://images.redflagdeals.com/rfdimages/newsletter/sponsored/dotd/rfd_dealofthedaycontest_large_03.gif" /></a> </div><br />
</td> </tr>
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</td> </tr>
</tbody></table><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td style="width: 200px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=2" target="_blank"><img align="left" alt="RedFlagDeals.com" border="0" height="65" src="http://images.redflagdeals.com/rfdimages/newsletter/newsletterFootLogoWhite.png" width="196" /></a></td> <td align="center" style="font-family: arial,verdana; font-size: 11px; padding: 5px 20px;">Copyright © 2000 - 2010 RedFlagDeals.com. All rights reserved. <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=18" target="_blank">PRIVACY POLICY/TERMS OF USE</a><br />
Yellow Pages Group, Deals, Coupons and Shopping Division - 381 Queen Street West, Suite 301, Toronto, Ontario M5V 2A5<br />
<b>Yellow Pages Group</b> and the <b>Walking fingers design logo</b> are trademarks of <b>Yellow Pages Group Co.</b> in Canada. </td> <td style="padding-right: 20px; text-align: right; width: 200px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhfmgambgkemnfollbdpmj&M=19"><img alt="Yellow Pages Group" border="0" height="23" src="http://images.redflagdeals.com/ypglogo/ypg_logo_ffffff.png" width="132" /></a></td> </tr>
</tbody></table>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-32964891596546651592010-09-25T21:08:00.000-04:002010-09-25T21:08:17.742-04:00MoneySense.ca Mutual Fund Newsletter - September 20, 2010<table border="0" cellpadding="0" cellspacing="0"><tbody>
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<tr> <td></td> <td></td> </tr>
<tr> <td align="left"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl1"><img border="0" height="38" hspace="0" src="http://rankings.canadianbusiness.com/ms_images/ms-logo-nl.gif" vspace="0" width="200" /></a></td> <td align="right"><table border="1" bordercolor="#c6c9cb" cellpadding="3" cellspacing="0" height="62" style="width: 290px;"><tbody>
<tr> <a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl5" target="_blank"> Pitch4Profit! WIN an opportunity to pitch your idea to investors! </a> <td align="center" bgcolor="#e2e3e0" valign="middle"><a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl30"> The Business Coach Podcast<br />
Ian Portsmouth chats with Doug Porter, Deputy Chief Economist at BMO Capital Markets in Toronto, about his Fall economic outlook.<br />
Listen now! </a> </td> <b>Who is Canada's Most Innovative Exec?</b> <a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl9">Submit your nomination for Canadian Business' 5th Annual All-Star Execs issue.</a> MoneySense.ca listens. <a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl14">Join our Advisory Panel and have your say… </a> --> </tr>
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<tr> <td align="center" background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" bgcolor="#8a8c89"><table border="0" cellpadding="0" cellspacing="0" height="25" style="width: 550px;"><tbody>
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<input id="Start" name="Start" type="hidden" value="" /> <input id="Total" name="Total" type="hidden" value="" /> <input id="Stat" name="Stat" type="hidden" value="New" /> <td align="right" background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" valign="middle" width="70"><input class="toolbarforms" id="query" name="Query" size="15" type="text" value=" Site Search" /> </td> <td background="http://rankings.canadianbusiness.com/ms_images/tool-bg-light.gif" width="85"><input align="left" border="0" height="25" name="go" src="http://rankings.canadianbusiness.com/ms_images/gobutton-toolbar.gif" type="image" width="47" /> </td> </form>
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<tr> <td class="head2" height="30" valign="middle">MoneySense.ca Mutual Fund Newsletter</td> <td align="right" class="date" valign="middle">September 20, 2010</td> </tr>
</tbody></table><img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /> <br />
<table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr align="center"> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl15">Funds</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl16">Fund Screener</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl17">Performance by Category</a> </span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl18">Top Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl19">Bottom Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl20">Forums</a></span></td> </tr>
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<tr> <td align="left" valign="top" width="89"><img alt="" border="0" height="76" hspace="0" src="http://www.canadianbusiness.com/images/columnists/smHeadshots/larrymacdonald.gif" vspace="2" width="79" /> </td> <td align="left" class="leftnav" valign="top"><span class="head1">INVESTING</span> <br />
<span class="byline">Larry MacDonald, columnist</span> <br />
<br />
<a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl31"> BetaPro's new ETF </a><br />
It's creating quite a stir. </td> </tr>
<tr> <td colspan="2"></td> </tr>
</tbody></table></td> <td rowspan="2" width="12"> </td> <td align="right" rowspan="2" valign="bottom"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl33"><img alt="" border="0" height="250" src="http://www.canadianbusiness.com/images/newsletter/mutual_fund/Taipan.JPG" width="300" /></a></td> </tr>
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<tr align="center" bgcolor="#e7e7e3"> <td class="indicies" height="8" nowrap="nowrap">Index</td> <td class="indicies" height="8" nowrap="nowrap">Close</td> <td class="indicies" height="8" nowrap="nowrap">Change</td> <td class="indicies" height="8" nowrap="nowrap">%Change</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX C</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">12,164.56 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">67.47 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.56 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">DJIA</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">10,607.85 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">145.08 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">1.39 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P 500</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,125.59 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">16.04 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">1.45 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Nasdaq</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">2,315.61 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">73.13 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">3.26 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX V</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,661.96 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">65.46 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">4.10 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Canadian $</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">0.9696 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.0035 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.3623 </td> </tr>
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</tbody></table></td> </tr>
<tr> <td colspan="3" height="6"></td> </tr>
<tr> <td align="left" class="indicies" colspan="3">Change and %Change measure performance over previous week.</td> </tr>
</tbody></table><img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /> <br />
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<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl34"><b>Treasury announces Tuesday auction for 52 million Hartford Financial Group warrants</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl35"><b>Hundreds of Nortel pensioners rally outside Ontario legislature</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl36"><b>Franklin Templeton Investments Corp. announces Canadian fund merger</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl37"><b>Scotia, Canada's most international bank, to acquire Brazilian bank</b> </a> </td> </tr>
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<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl38"><b>Gas will have to top $1.36 a litre to make electric cars appealing, Magna says</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl39"><b>Google in hiring spree as China market share shrinks after closure of Chinese search engine</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl40"><b>IBM buying data storage company Netezza for about $1.7 billion</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl41"><b>BHP Billiton creates new opportunities for investors by taking over Potash Corp.</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl42"><b>UFC, mixed martial arts entertainment, gushes cash as easily as it spills blood.</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl32">More headline news…</a> </td> </tr>
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<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl43"><b>Euro rises to $1.3077 in morning European trading as traders look ahead to Fed meeting </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl45"><b>Asian stocks post subdued gains after weak cue from Wall Street</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl47"><b>World markets mostly higher as Fed meeting looms</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/mfnl49"><b>Stocks to push September rally into fourth week as traders eye upcoming Fed meeting</b> </a> </td> </tr>
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<img src="http://email.moneysense.ca/a/hBMl30yA0TzmeB8UywRAy5JdtPf/spacer.gif" />Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-50250376373664900532010-09-25T21:06:00.000-04:002010-09-25T21:06:35.294-04:00POLL: What is your Gross Income and How Much do you Save?: Million Dollar Journey<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">POLL: What is your Gross Income and How Much do you Save?: Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/nEJ-0twvM6Q/poll-what-is-your-gross-income-and-how-much-do-you-save.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">POLL: What is your Gross Income and How Much do you Save?</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 20 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fpoll-what-is-your-gross-income-and-how-much-do-you-save.htm"><br />
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</a> </div><div class="first-child "><span class="cap" title="A">A</span>fter I wrote the last post on <a href="http://www.milliondollarjourney.com/ask-the-readers-living-paycheque-to-paycheque.htm">living paycheque to paycheque</a>, I opened up the floors to the readers and their opinions. While I expected there to be a discussion, I didn’t expect the debate to be so heated. One thing I learned from some of the comments is that I did not account for people who really “need” to live paycheque to paycheque. That is something that I overlooked as the people around me mostly make relatively high salaries but many live well beyond their means. While it is their choice to live the way they wish, I believe that everyone should take responsibility for their actions.</div>Another reader suggested that I create a poll for the readers here at MDJ because he suspects that the <a href="http://www.milliondollarjourney.com/the-state-of-canadian-family-finances-2008.htm">incomes are higher than the average Canadian family</a>. The poll below is completely <b>anonymous</b>, but will give us a good idea of reader salary range and savings rate.<br />
The poll options are fairly lengthy, but should be intuitive. Simply pick your salary range with the corresponding savings rate on your gross income. I’ll leave it up to you whether you use family or individual income. Personally, I combine my finances with that of my spouse so I would add up our gross family income and determine the savings rate on that income. What’s considered savings? I like to keep things simple, so I simply add up my contributions to <a href="http://www.milliondollarjourney.com/rrsp-deadline-march-1.htm">RRSP</a>, <a href="http://www.milliondollarjourney.com/federal-budget-2008-tax-free-savings-account-tfsa.htm">TFSA</a>, non-reg, mortgage prepayments, and/or transfers to high interest rate savings in a year.<br />
For example, if our gross family income is $120k and we saved (as per definition above) $20k over the year (or $1.67k/mo) , then our savings rate would be (20/120)x100 = 17%.<br />
Please take a second and vote below. If you can’t see the poll below, please <a href="http://www.milliondollarjourney.com/poll-what-is-your-gross-income-and-how-much-do-you-save.htm">click here to vote</a>.<br />
Note: There is a poll embedded within this post, please visit the site to participate in this post's poll. <br />
Thanks for participating in the anonymous poll! <br />
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</ul><span style="font-size: xx-small;">Copyright 2010 <a href="http://www.milliondollarjourney.com/">MillionDollarJourney</a> – All Rights Reserved</span><br />
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</tbody></table></div>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-29123757318900894872010-09-25T21:04:00.000-04:002010-09-25T21:04:29.496-04:00Ask the Readers: Living Paycheque to Paycheque?: Million Dollar Journey<style type="text/css">
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</a> </div><div class="first-child "><span class="cap" title="I">I</span> read a disturbing article in the Globe and Mail recently about how 59% of employed Canadians are living paycheque to paycheque. What does that actually mean? Simply that 6 out of 10 Canadians would be in financial trouble if their pay cheque was delayed by a week. Yes… <i>a week</i>.</div>Here is an excerpt from <a href="http://www.theglobeandmail.com/report-on-business/economy/six-in-10-live-pay-to-pay/article1705096/">the article</a>:<br />
<blockquote>Fifty-nine per cent of Canadian workers say they would be in financial trouble if their paycheque was delayed by just a week – the same proportion as last year when the economy was still mired in a downturn, according to a poll of 2,766 people by the Canadian Payroll Association.<br />
Almost half, or 47 per cent, are saving 5 per cent or less of their net pay. Sixty per cent of workers have been trying to save more than a year ago, though over half of them have been unsuccessful in doing so. Forty per cent say they're not even trying to save.</blockquote>I can see new grads living paycheque to paycheque as pay is generally lower, student debt can be high, and starting out on your own is expensive. However, as pay increases and bills stabilize, savings and investments ideally should start to grow. At the minimum, a fall back plan should be initiated (ie. an <a href="http://www.milliondollarjourney.com/emergency-funds-how-much-is-enough.htm">emergency fund</a> or emergency line of credit). Unfortunately, the truth for most is that more money earned simply results in greater expenses.<br />
I’ll be the first to admit that we lived paycheque to paycheque when we <a href="http://www.milliondollarjourney.com/how-did-we-get-here.htm">first started</a> our financial journey after graduation a little over 7 years ago. But we dug ourselves out of what seemed like a never ending cycle by keeping our expenses as low as possible and saving any extra income (<a href="http://www.milliondollarjourney.com/25-ways-i-save-money.htm">ways to save money</a>). Today, although our family income is higher as we are well into our careers while running a side business, we still aim to keep our expenses under control while investing our excess cash flow.<br />
What do you think of the statistic? Does it surprise you that 60% of employees live paycheque to paycheque? <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/67mssJJt-gE/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Holiday Savings</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 17 Sep 2010 04:38 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">Here are some ways our family celebrates Christmas without digging a hole we're going to have struggle mightily to escape from later:<br />
Wrapping: home-made (brown paper bags rubber stamped or potato stamped) and reusable (we save gift bags and use them again and again for years), and.. this year, I bought brown craft paper for covering school books at a discount store for less than a dollar for a huge roll. I bought twine for .25. We'll have brown paper packages tied up with string.Or skip wrapping and have a follow the clues hunt for treasure.<br />
Gifts: home-made, repurposed, and second hand. We <i>like</i> second hand items for gifts. Here are five gifts small children can help make:<br />
<a href="http://heartkeepercommonroom.blogspot.com/2010/02/blynken-and-nod-make-play-dough.html">Play-dough</a><br />
<a href="http://heartkeepercommonroom.blogspot.com/2010/04/make-your-own-dry-erase-message-board.html">A dry erase memo-board</a><br />
<a href="http://heartkeepercommonroom.blogspot.com/2010/09/acorn-elf.html">Acorn dolls for siblings</a><br />
<a href="http://heartkeepercommonroom.blogspot.com/2005/12/easy-christmas-craft.html">Ornaments</a><br />
<a href="http://heartkeepercommonroom.blogspot.com/2006/12/frugal-gift-also-classy-and-easy.html">Decorated notebooks</a><br />
Draw names- the siblings draw names for presents. This year we put a five dollar limit on what gifts to each other can cost. They are excited about the challenge (except the Boy, who likes leggoes as gifts and wants a five dollar limit on his giving, but not his getting. He has some work ahead of him, that boy).<br />
Shop ahead: I look at thrift shops all year long for gifts, for stocking stuffers, for special finds that make suitable presents. I have a stash in my closet.<br />
Focus on relationships, not stuff. Make holidays times for special family traditions- games, baking, singing, crafts, service activities, decorating, reaching out to others (we feel a little let down if the only people at our celebrations are our family members, as part of a celebration to us is including others). These are the things that should make a holiday special, not the loot.<br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/GfUYHXxf3J0/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">The Frugal Life and Discontent</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 16 Sep 2010 05:21 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">Basking in the early morning quiet, thoughts jumbled and uneasy begin to clear. Why this weariness of soul? Knowing that I am easily unnerved by visual disorder, I make a mental note to try to prioritize some organizational projects. Finding the balance between serving and caring for people and keeping the environment I serve them from clean and in order at times seems overwhelming. It is not the blessings of rich, satisfying relationships and the amazing abundance of family and friends that causes my struggle. Just the nitty gritty part of physically and practically making it happen.<br />
Being faithful to live out today and be cooking and cleaning for tomorrow can be challenging, especially if seeking to keep a contented spirit and a purse from being emptied. I will confess there are times I just do not "feel" like paying the cost of living within my means. I will admit the thought of being able to hire a landscaper or bring in some cleaning help do drift in to my mind. (For those who are able to do this, I think it is great!) However, these are not my options and so I must rejoice in health and fortitude.<br />
How easy it is for me to put too much emphasis on the "how" and to forget the "why." To focus on the cost and to forget the reward. The frugal life is not to be a weight but a tool to live out life with the dignity of living within my means. Some days are harder than others, but all days are a gift to savor and use well.<br />
The gears were starting to click, and the joy of the frugal life began to return. Plans began to formulate and a menu started to take shape in my mind. The heart began to yearn for the visit of some guests coming over and the changing perspective got my body moving again. Yes, I would be weary by the end of the day, but a weariness with rich reward. There can be a cost to living within my means, but I'm willing to pay!<br />
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">A Primer on Corporate Bonds – II (Credit Risk): Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/vCq2SazFxx0/a-primer-on-corporate-bonds-ii-credit-risk.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">A Primer on Corporate Bonds – II (Credit Risk)</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 15 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fa-primer-on-corporate-bonds-ii-credit-risk.htm"><br />
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</a> </div><div class="first-child "><i><span class="cap" title="T">T</span>his is a column by regular contributor Clark.</i></div>Credit rating agencies such as those mentioned in <a href="http://www.milliondollarjourney.com/a-primer-on-corporate-bonds-%E2%80%93-i-credit-ratings.htm">Part I</a> of the series consider several parameters before issuing their ratings. But, an astute investor may want to look at a few metrics on his own to assess credit risk and boost his knowledge at the same time.<br />
<h3>Credit Risk Analysis – Interest Coverage Ratio</h3>Interest coverage ratio refers to the number of times a corporation would be able to make the annual interest payments on its debt based on current annual earnings before interest and taxes (EBIT), i.e.,<br />
<blockquote>Interest Coverage Ratio = Earnings before Interest and Taxes (EBIT) / Annual Interest Payments</blockquote>From an investor's perspective, the interest coverage ratio should be as high as possible. A low interest coverage ratio indicates that the company has high debt (or earnings not living up to leveraged expectations), which could translate to potential bankruptcy or default. Ideally, the company should have enough earnings to cover its <a href="http://www.milliondollarjourney.com/paying-off-debt-lowest-balance-or-highest-interest-first.htm">debt payments</a>, i.e., the ratio should at least exceed 1.0.<br />
It is worth noting that though interest coverage ratio is calculated as above, it is questionable whether earnings before taxes should be used. After all, it is known that all <a href="http://www.milliondollarjourney.com/private-canadian-corporations-and-taxes-the-basics.htm">corporations pay taxes</a>. So, if a certain amount is going to go to taxes, then we are left with a skewed metric. The ratio may have looked good when using EBIT but in reality, could be distorted. So, a conservative investor may want to use earnings before interest payments (and not EBIT) to compute interest coverage ratio and get a better picture.<br />
<h3>Credit Risk Analysis – Capitalization Ratio</h3>Capitalization ratio is a measure of the long-term debt of a corporation to its total capital (assets). Total assets include long-term debt and shareholder's equity.<br />
<blockquote>Capitalization Ratio = Long-term Debt / (Long-term Debt + Shareholder's Equity)</blockquote>This metric evaluates the amount of debt that the company carries in relation to its total capital, i.e., <a href="http://www.milliondollarjourney.com/leveraged-investing-and-prime-interest-rates.htm">financial leverage</a>. A ratio of 1.0 would show that there is no shareholder equity in the company and the entire <a href="http://www.milliondollarjourney.com/reader-mail-no-will-assets-go-where.htm">assets</a> are based on <a href="http://www.milliondollarjourney.com/the-difference-between-good-debt-and-bad-debt.htm">debt</a>. Such a business may not be a good candidate for the bond investor. Hence, the capitalization ratio should be as low as possible and definitely less than 1.0 to indicate that there is at least some shareholder's equity in the business.<br />
<h3>Credit Spread</h3>As you would have realized, corporate bonds carry additional risks when compared to government bonds. Companies compensate the investor who bears these extra risks by offering a better yield than government bonds. The difference between the corporate bond yield and government bond yield is known as credit or yield spread.<br />
<blockquote>Credit spread or yield spread = Corporate bond yield – Government bond yield.</blockquote>The return for accepting additional risk should show in the spread. The higher the credit and/or call risk (will be addressed in another article) of a bond, the greater the credit spread.<br />
<h3>Company Factor</h3>Let us assume that a bond investor has done his due diligence by <a href="http://www.milliondollarjourney.com/a-primer-on-corporate-bonds-%E2%80%93-i-credit-ratings.htm">checking credit ratings</a> and analyzing various risks to buy an individual corporate bond. What would happen to the bond due to market or specific company changes? For example, if the financial leverage of the company gets minimized over time, then the credit rating agencies may upgrade the credit rating. This would indicate that the risk of default is reduced, pushing the corporate bond toward government bonds on the "risk of default" scale and, in turn, reducing the credit spread.<br />
<h3>Market Factor</h3>If the interest rates go down, then the bondholder stands to gain, since the yield of newly issued bonds would be lower. The bondholder would have a bond that offers a higher yield than the new bonds and hence, the <a href="http://www.milliondollarjourney.com/a-primer-on-bonds-%E2%80%93-ii-investing-in-bonds.htm">price of his bond will go up</a> to reflect the higher worth. As would be evident, an increase in interest rates would leave the bond investor holding a bond that is worth less (through lower yield and dropping price) than the new issues.<br />
In the next part of the series, we'll look at the other risks involved in buying corporate bonds.<br />
<i><b>About the Author</b>: Clark is a twenty-something Saskatchewan resident employed in the manufacturing sector. He repaid around $20,000 in student loans and has been working to build his investment portfolio as a DIY investor (not trader) while nurturing plans to retire early. He loves reading (and using the lessons learned) about personal finance, technology and minimalism.</i> <br />
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</ul><span style="font-size: xx-small;">Copyright 2010 <a href="http://www.milliondollarjourney.com/">MillionDollarJourney</a> – All Rights Reserved</span><br />
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3826 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
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<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3822 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3559 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3350 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
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<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3210 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=25">Warehouse Sales Roundup: Jones New York, Anne Klein, Europe Bound Camping Goods & More (ON)</a> </b></span></td> </tr>
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<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3072 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
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<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 3061 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=27">Porter & Air Canada: 20% Off Select Canadian/North American Flights, 10% off at WestJet</a> </b></span></td> </tr>
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</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=29">Forever21: Fall Fashions Start at $5.50 including Skinny Jeans for $11.50 and Vests for $9</a> </b></span></td> </tr>
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</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=30">Free Tub of Cottonelle Fresh Flushable Moist Wipes (and One For a Friend!)</a> </b></span></td> </tr>
<tr valign="middle"> <td style="padding: 4px 4px 4px 0px;" width="57"><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr valign="middle"> <td align="center" bgcolor="#6a9dce" width="52"><span style="color: white; font-family: arial,verdana; font-size: x-small;"><b> 2434 </b></span></td> <td><img alt="" border="0" height="25" src="http://images.redflagdeals.com/rfdimages/newsletter/scoreRight.png" width="5" /></td> </tr>
</tbody></table></td> <td style="padding: 4px;"><span style="font-family: verdana,arial; font-size: x-small;"><b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=31">Sears.ca Hardware Sale - $210 Off Sliding Miter Saw, $90 Off 10-Pc Air Tool Set…</a> </b></span></td> </tr>
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<tr valign="top"> <td><span style="color: #000066; font-family: verdana,arial; font-size: medium;">RedFlagDeals.com Editor's Picks</span> <br />
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<tr valign="top"> <td><a href="http://www.blogger.com/%20http://www.redflagdeals.com/deals/main.php/alldeals/comments/dellca_vostro_430_pc_w_i7_860_4gb_ram_320gb_2yr_warranty_729_or_8gb_ram_789/"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/deals/vostro430.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.blogger.com/%20http://www.redflagdeals.com/deals/main.php/alldeals/comments/dellca_vostro_430_pc_w_i7_860_4gb_ram_320gb_2yr_warranty_729_or_8gb_ram_789/">Dell.ca: Vostro 430 PC w/i7-860/4GB RAM/320GB/2yr Warranty $729 or 8GB RAM $789...</a></b><br />
If you're in the market for a Core i7 desktop PC, I would say this is the best deal around at the moment. You've got options at $729, $789, and $799. Swap out a component or 2 yourself (like the video card and possibly the power supply) and you can have an extremely capable gaming machine. <b>- Andrew</b> <br />
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<tr valign="top"> <td><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/hm_20_off_any_one_item_for_ipod_touch_iphone_ipad_users/%20"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/h_m.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/hm_20_off_any_one_item_for_ipod_touch_iphone_ipad_users/%20">H&M: 20% Off Any One Item for iPod Touch, iPhone & iPad Users</a></b><br />
This is a pretty neat promotion from H&M -- just download the H&M app and shake your device until a coupon pops up! <b>- Kate</b> <br />
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<tr valign="top"> <td><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=36"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/babee_thumb.jpg" /></a><br />
<br />
</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=36">Old Navy Baby Sale - 30% Off Everything! Until September 23</a></b><br />
Old Navy makes some great basics for babies, and at 30% off everything, this is the perfect opportunity to stock up for fall. It's also a good time to pick up a deal on one of their cute Halloween costumes...I wonder if I can fit into one of those little bee suits? <b>- Amanda</b> <br />
</span> </td> </tr>
<tr valign="top"> <td><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/buycom_canada_acer_timelinex_116_laptop_w_intel_u5400_3gb_ram_320gb_hd_wifi/%20"><img alt="Image" border="0" src="http://www.redflagdeals.com/deals/images/2010/07/1830t.jpg" /></a><br />
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</td> <td style="padding: 0px 10px;"><span style="font-family: verdana,arial; font-size: x-small;"> <b><a href="http://www.redflagdeals.com/deals/main.php/alldeals/comments/buycom_canada_acer_timelinex_116_laptop_w_intel_u5400_3gb_ram_320gb_hd_wifi/%20">Buy.com Canada: Acer TimelineX 11.6" Laptop w/Intel U5400, 3GB RAM, 320GB HD, Wifi N, 6-cell $518.69</a></b><br />
Big fan of small notebooks -- I'm currently carrying a 12" Lenovo X61s. The new ultraportables are getting very tempting, though. This one has 8 hours of battery life, HDMI, the newer Arrendale core used in i3's and i5 processors and the price is right at $520. <b>- Derek</b> <br />
</span> </td> </tr>
</tbody></table></td> <td style="padding-left: 20px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=40" target="_blank"><img alt="PriceCanada.com - Search. Compare. Buy. " border="0" height="250" src="http://images.redflagdeals.com/rfdimages/newsletter/BigboxComputers.gif" width="300" /></a> </td> </tr>
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<tr valign="top"> <td bgcolor="#fbfbfb" style="border: 1px solid rgb(216, 216, 216); padding: 10px;"><div align="center"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=41"><span style="color: #000066; font-family: verdana,arial; font-size: medium;">Deal of the Day Savvy Saver Contest: Chance Win $10,000 Cash!</span></a></div><br />
<span style="font-family: verdana,arial; font-size: x-small;"> <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=41"><img align="right" alt="Image" border="0" height="147.5" src="http://www.dealofthedaycontest.com/templates/visual/en/images/share.jpg" style="margin-left: 5px;" width="117.5" /></a> </span><br />
<span style="font-family: verdana,arial; font-size: x-small;">RedFlagDeals.com's Deal of the Day is almost here! In anticipation of its launch, we're excited to announce the <a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=41"><b>Savvy Saver Contest</b></a>! You have a chance to win up to $10,000 (and if you refer the winner, you receive $5,000)!</span><br />
<span style="font-family: verdana,arial; font-size: x-small;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=41"><b>Click here to enter now! </b></a></span><br />
<span style="font-family: verdana,arial; font-size: x-small;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=45">Read the full contest rules here.</a> <br />
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<span style="color: #000066; font-family: verdana,arial; font-size: medium;">@ RedFlagDeals.com HQ</span> <br />
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<b>Yellow Pages Group</b> and the <b>Walking fingers design logo</b> are trademarks of <b>Yellow Pages Group Co.</b> in Canada. </td> <td style="padding-right: 20px; text-align: right; width: 200px;"><a href="http://links.redflagdeals.ca/a/l.x?T=iaabhbdhcallfhioajmbgaancddcjh&M=51"><img alt="Yellow Pages Group" border="0" height="23" src="http://images.redflagdeals.com/ypglogo/ypg_logo_ffffff.png" width="132" /></a></td> </tr>
</tbody></table>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-36900181414273540842010-09-25T20:58:00.000-04:002010-09-25T20:58:24.301-04:00MoneySense.ca Mutual Fund Newsletter - September 13, 2010<table border="0" cellpadding="0" cellspacing="0"><tbody>
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<tr> <a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl35" target="_blank"> Pitch4Profit! WIN an opportunity to pitch your idea to investors! </a> <td align="center" bgcolor="#e2e3e0" valign="middle"><a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl37"> Where does your city rank?<br />
MoneySense's Best Places to Live list evaluates 179 communities across Canada. Find out where yours comes in. </a> </td> <b>Who is Canada's Most Innovative Exec?</b> <a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl39">Submit your nomination for Canadian Business' 5th Annual All-Star Execs issue.</a> MoneySense.ca listens. <a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl45">Join our Advisory Panel and have your say… </a> --> </tr>
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<tr> <td class="head2" height="30" valign="middle">MoneySense.ca Mutual Fund Newsletter</td> <td align="right" class="date" valign="middle">September 13, 2010</td> </tr>
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<tr align="center"> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl47">Funds</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl49">Fund Screener</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl63">Performance by Category</a> </span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl84">Top Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl85">Bottom Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl86">Forums</a></span></td> </tr>
</tbody></table><img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /> <br />
<table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr> <td><table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr> <td align="left" valign="top" width="89"><img alt="" border="0" height="76" hspace="0" src="http://www.canadianbusiness.com/images/columnists/smHeadshots/larrymacdonald.gif" vspace="2" width="79" /> </td> <td align="left" class="leftnav" valign="top"><span class="head1">INVESTING</span> <br />
<span class="byline">Larry MacDonald, columnist</span> <br />
<br />
<a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl1">Canadian fund fees "in line:" study</a><br />
A widely publicicized report comparing U.S. and Canadian fund fees may have some methodological problems. </td> </tr>
<tr> <td colspan="2"></td> </tr>
</tbody></table></td> <td rowspan="2" width="12"> </td> <td align="right" rowspan="2" valign="bottom"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl88"><img alt="" border="0" height="250" src="http://www.canadianbusiness.com/images/newsletter/market_wrap/ads/Mobile_300x250.gif" width="300" /></a></td> </tr>
<tr> <td><table bgcolor="#333e52" border="0" cellpadding="0" cellspacing="0"><tbody>
<tr> <td><table border="0" cellpadding="2" cellspacing="1"><tbody>
<tr align="center" bgcolor="#e7e7e3"> <td class="indicies" height="8" nowrap="nowrap">Index</td> <td class="indicies" height="8" nowrap="nowrap">Close</td> <td class="indicies" height="8" nowrap="nowrap">Change</td> <td class="indicies" height="8" nowrap="nowrap">%Change</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX C</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">12,097.09</td> <td bgcolor="#ffffff" class="mw-red" height="8" nowrap="nowrap">-47.83</td> <td bgcolor="#ffffff" class="mw-red" height="8" nowrap="nowrap">-0.39</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">DJIA</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">10,462.77</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">14.84</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.14</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P 500</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,109.55</td> <td bgcolor="#ffffff" class="mw-red" height="8" nowrap="nowrap">-24.47</td> <td bgcolor="#ffffff" class="mw-red" height="8" nowrap="nowrap">-2.28</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Nasdaq</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">2,242.48</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">8.73</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.39</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX V</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,596.50</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">30.54</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">1.95</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Canadian $</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">0.9661</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.0001</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.41</td> </tr>
</tbody></table></td> </tr>
</tbody></table></td> </tr>
<tr> <td colspan="3" height="6"></td> </tr>
<tr> <td align="left" class="indicies" colspan="3">Change and %Change measure performance over previous week.</td> </tr>
</tbody></table><img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /> <br />
<table bgcolor="#ffffff" border="0" cellpadding="1" cellspacing="0"><tbody>
<tr> <td align="left" class="head1" colspan="2" valign="top">MUTUAL FUND NEWS</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl102"><b>Canadian Mutual Fund Cost of Ownership Comparable to U.S. </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl103"><b>TD Mutual Funds Launches New Corporate Class </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl104"><b>NexGen Appoints New CEO </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl105"><b>Industrial Alliance Acquires Golden State Mutual Business</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl106">More headline news…</a> </td> </tr>
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<table border="0" cellpadding="0" cellspacing="0"><tbody>
<tr> <td align="left" class="leftnav"><b>How's your retirement looking?</b><br />
Invest your RRSP dollars and profit regardless of the economy. <a class="articleLink" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl107" target="_blank">Click here to learn</a> how you can prosper in a crash, a bull market and everything in between. </td> </tr>
</tbody></table><span class="head2"><br />
<img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /></span> --> <br />
<table bgcolor="#ffffff" border="0" cellpadding="1" cellspacing="0"><tbody>
<tr> <td align="left" class="head1" colspan="2" valign="top">ECONOMY</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl108"><b>Canada down a notch to 10th in global competitiveness ranking</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl109"><b>New home prices drop in July for the first time in 13 months as market cools </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl110"><b>Carney warns of multiple risks to recovery, says BoC will be cautious on rates </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl111"><b>Economy recovering faster than expected across the European Union, but remains fragile </b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl106">More headline news…</a> </td> </tr>
<tr> </tr>
</tbody></table><img height="10" src="http://rankings.canadianbusiness.com/ms_images/535-separator.gif" width="535" /> <br />
<table bgcolor="#ffffff" border="0" cellpadding="1" cellspacing="0"><tbody>
<tr> <td align="left" class="head1" colspan="2" valign="top">INVESTING AND MARKETS</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl112"><b>Stocks set to jump after regulators approve banking reform, China continues robust growth</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl113"><b>Financial Times 100-share index is up 60.77 points at midday to 5,562.41</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl114"><b>Nikkei Stock Average closed on Monday at 9,321.82, up 82.65 points</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl115"><b>Hang Seng Index closed on Monday at 21,658.35, up 400.96 points</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/mfnl116">More market news…</a> </td> </tr>
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<img src="http://email.moneysense.ca/a/hBMjkT2A0TzmeB8UrICAy5Jdtf0/spacer.gif" />Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-11748459609757798202010-09-25T20:57:00.000-04:002010-09-25T20:57:00.871-04:00Virtual Brokers Review: Million Dollar Journey<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">Virtual Brokers Review: Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/WRfg4KV2zWI/virtual-brokers-review.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Virtual Brokers Review</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 13 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fvirtual-brokers-review.htm"><br />
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</a> </div><div class="first-child "><span class="cap" title="A">A</span>s part of my philosophy of <a href="http://www.milliondollarjourney.com/25-ways-i-save-money.htm">keeping costs low</a>, I’m a big believer in keeping trading commissions as low as possible. This is the reason for opening trading accounts with the lowest cost brokerages in Canada – <a href="http://www.milliondollarjourney.com/questrade-review.htm">Questrade</a> and <a href="http://www.milliondollarjourney.com/interactive-brokers-review.htm">Interactive Brokers</a>. These online stock brokers manage to can keep costs low as they operate in a virtual environment with very little brick and mortar overhead to worry about.</div>While surfing <a href="http://canadianmoneyforum.com/">Canadian Money Forum</a> the other day, I came across a thread mentioning <a href="http://virtualbrokers.com/">Virtual Brokers</a> (VB), the newest online stock brokerage in Canada. As I usually keep up with what’s available in the market, the new(ish) company piqued my interest. I was especially curious to see if they were competitive with <a href="http://www.milliondollarjourney.com/review-canadian-discount-brokerages.htm">other low cost stock brokers</a>. From first impressions, it seems that this broker is geared towards traders. More details below:<br />
<h3>Types of Accounts</h3>Most Canadian online stock brokers offer all the standard accounts (except Interactive Brokers). While Virtual Brokers offers the standard, they also provide some extras. They offer: non-registered, <a href="http://www.milliondollarjourney.com/federal-budget-2008-tax-free-savings-account-tfsa.htm">TFSA</a>, RRSP (and <a href="http://www.milliondollarjourney.com/questrade-usd-rrsp-and-referral-promotion.htm">USD RRSP</a>) along with an <a href="http://www.milliondollarjourney.com/registered-education-savings-plan-resp.htm">RESP</a>.<br />
<h3><b>Trading Platform(s):</b></h3>It appears that they offer multiple trading platforms, from the free web based version to the more advanced trading software. The platforms include:<br />
<ul><li>Meridian (free) – their web based platform that is reported to be user friendly with direct to market access.</li>
<li>AxisPro (free) – This is the same advanced trading platform that Scotia iTrade uses and is quite popular with traders.</li>
<li>Iress and Belzberg – This platform is for qualified traders only, I can only assume that they are for high net worth clients.</li>
</ul><h3><b>Trading Commissions</b></h3>I found their website to be a little confusing, but from what I understand, traders have a choice as to which commission structure they want. The two choices are:<br />
<ol><li>$6.49 per trade + ECN fee or</li>
<li>$0.01/share (min $5/ticket) + ECN fee</li>
</ol>The ECN fee is $0.04/share/trade if the trade removes liquidity (eg. market order) and can add up quickly. For option traders, add approximately $1.25 to the regular commission. Providing that $6.49/trade is for unlimited shares, this makes Virtual Brokers to be very competitive providing that the trade manages to avoid the ECN fee. I believe that other brokers that have the $9.99 trades for unlimited shares already include ECN fees (eg. iTrade, TD Waterhouse, RBC, BMO).<br />
For small volume traders (<500 shares per trade), then $5 per ticket + ECN puts it in the same range as Questrade in terms of cost.<br />
<h3><b>Other Fees</b></h3>The “other fees” usually makes or breaks the broker. In this case, the low trading fees come at a cost. That is, real time quotes are not included in the account without paying a monthly fee which is similar to Interactive Brokers.<br />
VB organizes their quotes into 3 packages which cost from $15/mo to $99/mo. Traders who can get by on level 1 quotes would survive with $15/mo which works out to be $180/yr. However, I didn’t read anywhere that a data package is ‘required’. So if you’re dead set on using Virtual Brokers, then you may be able to use their low cost platforms, but get your quotes from another brokerage account. One problem with this strategy however is for those looking to use the AxisPro trading platform which would be a drag without streaming quotes.<br />
Here are some of the account administration fees:<br />
<ul><li>RRSP/TFSA: Free</li>
<li>US RRSP: $50 /yr</li>
<li>RESP: $25 /yr</li>
<li>EFT: Free</li>
</ul><h3><b>Conclusion:</b></h3>As I don’t have an account with Virtual Brokers, I can’t really comment on their platform, but I can compare their prices with other brokers. At first glance, it seems as though VB’s fees are very competitive for what they offer and is in direct competition with Questrade for the lowest cost RRSP/TFSA brokerage in Canada.<br />
While VB looks tempting, their biggest downside is that they charge for real time quotes which adds up to at least $180 per year while most other brokerages have free quotes. I don’t think I’ll be switching my <a href="http://www.milliondollarjourney.com/questrade-review.htm">RRSP or TFSA from Questrade</a> just yet.<br />
What are your thoughts on this brokerage? <br />
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<ul><li><a href="http://hotmomtips.blogspot.com/">Hot Mom Tips</a> - Tips and Tricks for All Moms. Product Reviews, Giveaways, Freebies, Samples, and Coupons as well as ideas that simply make being a mom a bit easier.</li>
<li><a href="http://simplyafrugalmom.blogspot.com/">Simply a Frugal Mom</a> - Like my name says, I am simply a frugal mom. I am trying to stretch our pennies while meeting our needs and some of our wants. I'd love to have you join me at my site. <img alt=":)" class="wp-smiley" src="http://frugalhacks.com/wp-includes/images/smilies/icon_smile.gif" /> </li>
<li><a href="http://thriftysassymama.blogspot.com/">Thrifty Sassy Mama</a> - A thrifty, sassy mama helping those around me with money saving tips and ideas.</li>
<li><a href="http://cheapskatecafe.com/">Cheapskate Cafe</a> -Your Trusted Source for Great Deals, Coupon Alerts, Freebies, Samples and Money Saving Strategies</li>
</ul><b>Good reads around the web:</b><br />
<ul><li><a href="http://www.ifixyouri.com/">iFix your i</a> - iPod and iPhone diagosis, parts and repair. I wouldn't have known to look for a service like this. Good to know, since my not-so-frugal kids choose to save and spend their earnings on iPods. Fine, I'll confess: I have one too. It was a <i>gift,</i> ok?</li>
<li><a href="http://feedproxy.google.com/%7Er/thesimpledollar/%7E3/u3sIytlv7_A/" target="_blank" title="Site: The Simple Dollar">Frugality and Accumulation</a> - another good article on finding that all-important balance: "Frugal people live on an interesting spectrum between minimalism and hoarding. While on the one hand frugal people often move towards minimalism, with fewer possessions and the like, at the same time, <b>two of the most powerful tools for saving money are reusing things and buying in bulk. Both of those tactics result in the pure accumulation of <i>stuff</i>."</b></li>
<li><a href="http://wififreespot.com/">Wi-fi Free Spot</a> - Find free wi-fi in your city, even if it's not a major metropolitan area. I was surprised to find several listings for our little suburb.</li>
<li><a href="http://kiplinger.com/tools/slideshows/slideshow_pop.html?nm=freebies_2010">Fabulous Freebies 2010</a> - Not just another coupon site to help you score a free bottle of shampoo. These are major services and highly useful websites to help you save real money.</li>
<li><a href="http://www.becomingminimalist.com/2010/07/30/12-reasons-why-youll-be-happier-in-a-smaller-home/">12 Reasons Why You'll Be Happier in a Small Home</a> - With 12 people in less than 1200 square feet, I can wholeheartedly agree with this article.</li>
</ul><hr /><a href="http://frugalhacks.com/advertise/">Advertise here</a> <br />
Save up to 90% at your favorite local businesses with <a href="http://www.groupon.com/r/uu1633100/">Groupon</a> <br />
I love <a href="http://www.swagbucks.com/refer/kimc">Swagbucks</a>. You will too! <br />
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<tr> <td class="head2" height="30" valign="middle">PROFIT-Xtra.com Small Business Newsletter </td> <td align="right" class="date" valign="middle">September 10, 2010</td> </tr>
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<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><b><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl10">Patching complaints on the information superhighway</a></b><br />
Company name trashed online? Damage control on the web 101. </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl11">Franchising: Your First Steps </a></td> </tr>
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<tr> <td align="left" class="" valign="top">So you want to start your own business but aren't convinced you have a million dollar idea? That's alright. Someone else does. Franchise concepts run the gamut from fast food restaurants to sophisticated business services and one of them might be right up your alley. In this episode of the Business Coach Podcast, Ian chats with Steve Iskierski, Senior Manager of National Franchising Services for BMO Bank of Montreal about franchising opportunities. </td></tr>
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<tr> <td align="right" class="leftnav" colspan="" width=""><a href="hhttp://www.profitguide.com/podcast/5752--podcast-80-franchising-your-first-steps"><b>Click here for more…</b></a></td> <td rowspan="2" width="12"> </td> </tr>
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<tr> <td align="center" class="leftnav"><b><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl21"> Canadian Business Mobile <br />
</a></b>Canadian Business & Maclean's are now available for FREE on your BlackBerry device. Get the latest news, analysis, and opinion from Canada's best magazines—all in the palm of your hand. Sign up for your FREE subscription today. Visit <a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl22">canadianbusiness.com/mobile</a> or <a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl23">macleans.ca/mobile</a>. </td> </tr>
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<tr> <td align="left" colspan="1" valign="top" width="91"><img alt="" border="0" height="98" hspace="2" src="http://www.canadianbusiness.com/images/my_money/Peer.jpg" vspace="2" width="87" /> </td> <td align="left" class="leftnav" valign="top"><span class="head1">PEER-TO-PEER</span> <span class="byline"></span> <br />
<a class="more" href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl24">Peer-to-Peer: "How much should I pay to hang onto a high performer?" </a><br />
"One of my company's best department heads seems restless in her job, and I suspect she's thinking about leaving. I'm willing to increase her compensation to show how much I value her, but I'm not sure how much more to offer." </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">TOP BUSINESS HEADLINES</td></tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl25"><b>Growth expected to continue in 2010, says RBC Economics</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl26"><b>Canada likely to return to jobs growth, but advance 'technical,' analysts say</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl27"><b>Canada's unemployment rate rose in August as 35,800 jobs added</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl28"><b>Environmentalists criticize Enbridge after second U.S. pipeline leak</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/sbnl29"><b>New home prices drop in July for the first time in 13 months as market cools</b> </a> </td> </tr>
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<img alt="" height="1" src="http://mailtrack.rnm.ca/do/462100/1208860/1.gif" width="1" /><img alt="" height="1" src="http://mailtrack.rnm.ca/db/536069/8998384/1.gif" width="1" /><img src="http://email.moneysense.ca/a/hBMil6DA0TzmeB8UoNNAy5JdtgQ/spacer.gif" />Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-40766796359262901522010-09-25T20:50:00.000-04:002010-09-25T20:50:51.089-04:00Baby Steps, Obsessed with Money, House Poor and More..: Million Dollar Journey<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">Baby Steps, Obsessed with Money, House Poor and More..: Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/CWxFMXNVYas/baby-steps-obsessed-with-money-house-poor-and-more.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Baby Steps, Obsessed with Money, House Poor and More..</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 10 Sep 2010 03:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fbaby-steps-obsessed-with-money-house-poor-and-more.htm"><br />
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</a> </div><div class="first-child "><span class="cap" title="B">B</span>efore we start with the links, today is the last day to enter the <a href="http://www.milliondollarjourney.com/book-review-and-giveaway-rob-carricks-guide-to-whats-good-bad-and-downright-awful-in-canadian-investments-today.htm">Rob Carrick’s book giveaway</a>.</div>One Year ago today, I wrote about <a href="http://www.milliondollarjourney.com/taking-baby-steps-towards-financial-goals.htm">Taking Baby Steps Towards Financial Goals</a> – one of my favorite posts.<br />
<a href="http://canadianmoneyforum.com/showthread.php?t=3413">Help! My wife thinks I’m obsessed with money</a> @ Canadian Money Forum<br />
<a href="http://frugaldad.com/2010/09/06/my-first-place-on-hgtv-house-poor/">My First Place On HGTV: How to Spend Your Next Thirty Years House Poor</a> @ Frugal Dad<br />
<a href="http://www.canadiancapitalist.com/a-tale-of-two-time-magazine-covers/">A Tale of Two TIME Magazine Covers</a> @ Canadian Capitalist<br />
<a href="http://genxfinance.com/2010/06/29/question-should-i-get-out-of-the-stock-market/">Reader Question: I've Lost a Lot of Money in the Market. Should I Get Out?</a> @ Generation X Finance<br />
<a href="http://wheredoesallmymoneygo.com/die-pennies-die/">Die Pennies, Die</a> @ Where Does All My Money Go<br />
<a href="http://www.mydollarplan.com/how-far-would-you-go-to-save-money/">How Far Would You Go to Save Money?</a> @ My Dollar Plan<br />
<a href="http://blog.canadian-dream-free-at-45.com/2010/09/08/poor-planning-gone-mad/">Poor Planning Gone Mad</a> @ Canadian Dream<br />
<a href="http://moneysmartlife.com/costs-of-owning-two-houses/">Costs of Owning Two Houses</a> @ Money Smart Life<br />
<a href="http://www.bripblap.com/how-kids-can-make-you-poor/">how kids (can) make you poor</a> @ Brip Blap<br />
<a href="http://www.moneysmartsblog.com/relatives-battling-over-resp-money-who-gets-it/">Relatives Battling Over RESP Money – Who Gets It?</a> @ Money Smarts Blog<br />
<a href="http://www.thefinancialblogger.com/getting-teenagers-interested-in-investing/">Getting Teenagers Interested in Investing</a> @ Financial Blogger<br />
<a href="http://www.thesunsfinancialdiary.com/frugal-living/beginning-lot-saving-money/">It's Beginning to Look a Lot Like Saving Money</a> @ The Sun’s Financial Diary<br />
<a href="http://michaeljamesmoney.blogspot.com/2010/09/self-storage-exploiting-peoples.html">Self-Storage: Exploiting People's Weaknesses</a> @ Michael James on Money<br />
<a href="http://www.lazymanandmoney.com/ignore-your-personal-finance-guru/">Ignore Your Personal Finance Guru</a> @ Lazy Man<br />
<a href="http://www.thickenmywallet.com/blog/wp/2010/09/09/how-the-workplace-is-different-than-school/">How the workplace is different than school</a> @ Thicken My Wallet<br />
<a href="http://www.thedigeratilife.com/blog/buy-in-bulk/">Do You Buy in Bulk? It's Not Always The Cheapest Option</a> @ The Digerati Life <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/QkcXkLjw3ac/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Considering the Cost</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 10 Sep 2010 04:38 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">I posted a <a href="http://heartkeepercommonroom.blogspot.com/2010/08/birds-and-berries.html">little about this bowl over on my other blog</a>.<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzpBO2hcF_Mqe-RdkhjrLXGcJm1boYwLjRlY74yHhVw2YWE7OZZ4agUTVwqI61GTGUf4lQFhaEOfO1JSB-9PfeDuNtXFNQKyiDuhyphenhyphenQgyDeVULENCCy1aO_7HRTChY5exiezsOeD_tJbM8/s1600/IMG_0169.JPG" onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}"><img alt="" border="0" id="BLOGGER_PHOTO_ID_5508047568796425666" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhzpBO2hcF_Mqe-RdkhjrLXGcJm1boYwLjRlY74yHhVw2YWE7OZZ4agUTVwqI61GTGUf4lQFhaEOfO1JSB-9PfeDuNtXFNQKyiDuhyphenhyphenQgyDeVULENCCy1aO_7HRTChY5exiezsOeD_tJbM8/s320/IMG_0169.JPG" style="cursor: pointer; display: block; height: 240px; margin: 0px auto 10px; text-align: center; width: 320px;" /></a><br />
My son-in-law's mother had a box of things she didn't want anymore and she asked my eldest daughter to go through it and see if there was anything she wanted for herself or anybody else in the family. My daughter thought this bowl would appeal to the side of me that loves William Morris. I took it in spite of the rust stains all over it. This picture doesn't even do justice to how bad the rust stains were. One of my daughters said she didn't realize it was rust, she just thought it was an ugly yellow bowl.<br />
Somebody suggested steel wool, so I tried that, but got nowhere.<br />
I really liked this bowl, and I was determined to get the rust stains out. While I was in Wal-mart one day I passed the rust removers, and on a whim bout a four dollar bottle of rust remover. Following the instructions, I put the bottle in a washtub, diluted it with water, and soaked my bowl- for about a week. It was better, but still very, very orange on the bottom, especially the legs.<br />
Well, now I was really determined now, and in the dollar store I picked up three more bottles of a different rust remover for a dollar a bottle. I didn't follow the directions. I did not dilute. I just rinsed out my washtub and bowl, poured all three bottles into the tub, tilted it and propped it up a bit so the still stained parts of the bowl could be immersed, and in another day, I had this:<br />
<div style="text-align: center;"><a href="http://frugalhacks.com/wp-content/uploads/2010/09/IMG_0667.jpg"><img alt="" class="aligncenter size-full wp-image-2555" height="441" src="http://frugalhacks.com/wp-content/uploads/2010/09/IMG_0667.jpg" title="Strawberry thief bowl" width="581" /></a></div>Two stores, two different trips, several days, and between 7 and 8 dollars later, doesn't my 'free' bowl look good?<br />
<div class="separator" style="clear: both; text-align: center;"></div><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlSmeInS95UCGLh2sNu_rPlCA8z-nwitQl-4PWTgjyOBzWcb7sQeYEODUN4C12EnJVaJSXhyphenhyphenFChizjn4U4lnkz6ggAiIheHAMaClvt8MRdaOySBddDBj9b7M27U10vZFsMJABGavoMV4/s1600/bowl,+strawberry+thief.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="" border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgMlSmeInS95UCGLh2sNu_rPlCA8z-nwitQl-4PWTgjyOBzWcb7sQeYEODUN4C12EnJVaJSXhyphenhyphenFChizjn4U4lnkz6ggAiIheHAMaClvt8MRdaOySBddDBj9b7M27U10vZFsMJABGavoMV4/s400/bowl,+strawberry+thief.jpg" width="297" /></a><br />
I like my bowl, but if I had thought this through and counted the cost ahead of time, I think I might have decided to just have a 'yellow' bowl.<br />
Do you have any free bargains like this?<br />
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<tr> <td class="head2" height="30" valign="middle">MoneySense.ca Mutual Fund Newsletter</td> <td align="right" class="date" valign="middle">September 7, 2010</td> </tr>
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<tr align="center"> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl15">Funds</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl16">Fund Screener</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl17">Performance by Category</a> </span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl18">Top Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl19">Bottom Funds (5 yr.)</a></span></td> <td>|</td> <td><span class="leftnav"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl20">Forums</a></span></td> </tr>
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<tr> <td align="left" valign="top" width="89"><img alt="" border="0" height="76" hspace="0" src="http://www.canadianbusiness.com/images/columnists/smHeadshots/larrymacdonald.gif" vspace="2" width="79" /> </td> <td align="left" class="leftnav" valign="top"><span class="head1">INVESTING</span> <br />
<span class="byline">Larry MacDonald, columnist</span> <br />
<br />
<a class="more" href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl22">The Great Reflation</a><br />
New book says we're living in an economic experiment. </td> </tr>
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<tr align="center" bgcolor="#e7e7e3"> <td class="indicies" height="8" nowrap="nowrap">Index</td> <td class="indicies" height="8" nowrap="nowrap">Close</td> <td class="indicies" height="8" nowrap="nowrap">Change</td> <td class="indicies" height="8" nowrap="nowrap">%Change</td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX C</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">12,144.92 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">265.20 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">2.23 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">DJIA</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">10,447.93 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">297.28 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">2.93 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P 500</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,104.51 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">39.92 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">3.75 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Nasdaq</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">2,233.75 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">80.12 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">3.72 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">S&P/TSX V</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">1,565.96 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">77.11 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">5.18 </td> </tr>
<tr align="center"> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">Canadian $</td> <td bgcolor="#ffffff" class="indicies" height="8" nowrap="nowrap">0.9622</td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">0.0120 </td> <td bgcolor="#ffffff" class="mw-green" height="8" nowrap="nowrap">1.2629 </td> </tr>
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<tr> <td align="left" class="indicies" colspan="3">Change and %Change measure performance over previous week.</td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">MUTUAL FUND NEWS</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl48"><b>Industrial Alliance buys Golden State Mutual business for US$11M</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl55"><b>Mutual fund sales soft in August</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl56"><b>O'Leary Funds launches lawsuit over takeover bid for Boralex Power</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl60"><b>Fiera Sceptre becomes independent, multi-product Canadian investment manager</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl32">More headline news…</a> </td> </tr>
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Stay connected and transform your laptop into a mobile office with the Rogers Wireless HSPA+ Mobile Rocket™ Stick! Now you can access the internet from 170 countries and areas worldwide so you can edit and view online files, browse the web, and receive emails. The Rogers Wireless HSPA+ Mobile Rocket™ Stick. Take the internet with you. <a class="articleLink" href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl46" target="_blank">Find out how</a>. </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">ECONOMY</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl61"><b>WestJet and Air Canada record increases in passenger traffic in August</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl64"><b>Analyst downgrades Campbell's Soup stock</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl66"><b>Burger King expands breakfast, targets McDonald's customers</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl67"><b>Coca - Cola raises 2010 profit forecast; discusses pending sale</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl74"><b>GT Solar International shareholder selling 10 million shares of stock</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl32">More headline news…</a> </td> </tr>
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<tr> <td align="left" class="head1" colspan="2" valign="top">INVESTING AND MARKETS</td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl75"><b>Stocks retreat to kick off holiday-shortened week following European bank worries</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl76"><b>Hang Seng Index closed on Tuesday at 21,401.79 points, up 46.02 points </b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl77"><b>Nikkei Stock Average closed on Tuesday at 9,226 points, down 75.32 points</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl78"><b>Financial Times 100 - share index is down 47.78 points at midday to 5,391.41</b> </a> </td> </tr>
<tr> <td align="left" class="leftnav" valign="top" width="3%"> » </td> <td align="left" class="leftnav" width="97%"><a href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl29"><b>World stock markets mostly fall amid renewed worries about health of Europe's banks</b> </a> </td> </tr>
<tr> <td align="right" class="leftnav" colspan="2"><a class="more" href="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/mfnl44">More market news…</a> </td> </tr>
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<img src="http://email.moneysense.ca/a/hBMhldJA0TzmeB8UkOjAy5Jdtbm/spacer.gif" />Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-45894298812563103962010-09-25T20:44:00.000-04:002010-09-25T20:44:40.225-04:00“The Good Old Days” And Frugality<style type="text/css">
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://frugalhacks.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://frugalhacks.com)">Frugal Hacks</a> <br />
<a href="http://fusion.google.com/add?source=atgs&feedurl=http://feeds.feedburner.com/FrugalHacks"> <img alt="" border="0" src="http://gmodules.com/ig/images/plus_google.gif" style="padding-top: 6px;" /> </a> </h1></td> <td width="1%"><a href="http://frugalhacks.com/"> <img alt="Link to Frugal Hacks" id="feedimage" src="http://frugalhacks.com/wp-content/uploads/2007/08/frugalbadge.gif" style="border: 0pt none; padding: 0pt 0pt 10px 3px;" /> </a> </td> </tr>
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/FrugalHacks/%7E3/6d1CPCuZpc0/?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">“The Good Old Days” And Frugality</a> </div><div style="color: #555555; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 09 Sep 2010 04:54 AM PDT</div><div style="color: black; font-family: Georgia,Helvetica,Arial,Sans-Serif; font-size: 13px; line-height: 140%; margin: 0pt;">Walking in the cool of the evening on a very hot day, Husband reminds me that much of what we call "frugal" was actually called "life" when we wore the clothing of childhood. Hot, sticky, sleepless nights were just a part of summer memories. Going without air conditioning was not a sacrifice or a frugal strategy when we were growing up. It was just how most everyone we knew lived.<br />
A summer afternoon in the library not only provided pleasure for the mind, but coolness to the skin and the custard stand after the sun went down was a happening place. Husband has a memory of his mother on a family trip so overcome with heat as they drove through the desert, that an immediate stop was made so she could gain some composure before getting back into the air less car. This still is a fun and precious memory when Husband and brothers gather together and reflect on life gone by. (Mom used to laugh with her sons as well when life was still hers to live.)<br />
Eating from the pantry was not some unique plan but the result of fewer processed foods available and the wisdom of years gone by. Using what was on hand in fridge or cabinet was not so much a plan to cut the food bill as a necessity as grocery stores had many less open hours. Entrepreneurial family businesses were called lawn mowing and babysitting as young people sought to make some cash.<br />
Bags of hand me down clothes took the place of today's thrift shops and saving up for a future purchase was necessary in a world before easy credit. Adding ruffles to a hem to make a skirt a bit longer was not being crafty, but just a part of stretching a wardrobe. Once upon a time, hanging clothes on a line was not the stuff of homeowner association complaint, but just how one dried their clothes.<br />
Certainly, I am not yearning to return to the "good old days." I am most grateful to be able to turn on AC on a hot, humid night or throw a load of clothes in the dryer on a busy day. I have no compunction about putting a prepared meal in the oven when circumstances demand and thrift shopping is to me a true delight!<br />
But Husband and I remind ourselves that today's sacrifices are not quite as severe as we might think they are. And again we remember that perspective is most important as we seek to live the frugal life. Anyone else have frugal memories from the "good old days?"<br />
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<tr> <td style="vertical-align: top;" width="99%"><h1 style="margin: 0pt; padding-bottom: 6px;"><a href="http://www.milliondollarjourney.com/" style="color: #888888; font-family: Arial,Helvetica,sans-serif; font-size: 22px; font-weight: normal; text-decoration: none;" title="(http://www.milliondollarjourney.com)">Is your Life Insurance Policy about to Implode?: Million Dollar Journey</a> <br />
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/7_Zvte-MOAo/is-your-life-insurance-policy-about-to-implode.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Is your Life Insurance Policy about to Implode?</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 08 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fis-your-life-insurance-policy-about-to-implode.htm"><br />
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</a> </div><div><i>This is a guest column by insurance specialist Glenn Cooke.</i></div><br />
<div class="first-child "><i></i></div><span class="cap" title="Y">Y</span>our <a href="http://www.milliondollarjourney.com/insurance-puzzle-cmhc-mortgage-life-term-life.htm">life insurance policy</a> may be about to implode. You may be on the verge of having to pay exhorbitant premiums just to keep your existing life insurance policy in force – and with those premiums continuing to increase year over year.<br />
Life insurance companies are already becoming aware of the issue but for the most part have not taken any action. Consumers currently are mostly oblivious to the looming problem, so take this as your wake up call!<br />
I’m going to show you how to check your life insurance policy for danger signs, but first a bit of life insurance history is an order.<br />
<h3>Vanishing Premium Lawsuits, 1980’s and 1990’s</h3>Back in the 1980’s life insurance (specifically <a href="http://www.milliondollarjourney.com/deciphering-the-insurance-puzzle-ii-universal-life-disability-critical-illness.htm">whole life insurance</a>) was often marketed to consumers on the premise that their policies would become paid up – generally at retirement. Buy a policy when you’re 40, pay premiums for 25 years and when you hit 65 your insurance premiums are paid up for the rest of your life.<br />
Those policies depended on non-guaranteed <a href="http://www.milliondollarjourney.com/dividend-achievers-list-part-1-the-canadian-list.htm">dividends</a> to make the policy paid up. In the 80’s and 90’s, the non-guaranteed part came through – dividend scales were lowered. People who’d had policies for many years and were now expecting their insurance premiums to stop for the rest of their lives started to receive notices like ‘just another 10 years to go’. How would you feel about getting that letter?<br />
Well, that’s how a lot of consumers felt. And the end result was successful class action lawsuits against the life insurance companies. The lawsuits were called ‘vanishing premium lawsuits’ because consumers had been led to understand their premiums would vanish.<br />
<h3>Illustration Guidelines Introduced, 1990’s</h3>So the life insurance industry collaborated and created a set of guidelines surrounding how illustrations and quotes should be displayed to consumers. Since that time consumers who purchase some types of life insurance have had to sign a piece of paper that basically says ’stuff about this policy isn’t guaranteed’. Remember that part for later – the insurance companies now have a piece of paper that you signed that says ‘I told you so’.<br />
<h3>Universal Life Insurance</h3>Enter <a href="http://www.milliondollarjourney.com/universal-life-insurance-part-1.htm">Universal Life Insurance</a>. This insurance product become popular at about the same time as all the vanishing premium lawsuits were happening. Universal life insurance has two components – an insurance costs, and an investment. The insurance costs come in two flavours – level costs for life, and annually increasing.<br />
Many people purchased universal life insurance (and still do today) with the annually increasing costs of insurance. The lower initial insurance costs lets them put more money into the investments early on. The investment earnings can then be used to pay part or all of the insurance costs later.<br />
<div><b>Example 1:</b></div><b>Insurance costs: $250/year when you’re young. Becoming $2000/year later when you’re older</b><br />
<b></b><br />
Premiums you pay: $1000/year<br />
Investments – you’re paying the company $1000 per year. Since they only need $250 for insurance<br />
costs, the extra $750 goes into the investments.<br />
Fast forward to 2008. Let’s say you’re investments have grown to $10,000 and your insurance costs have grown to $2000. You’re still paying your $1000 in premium – so half the insurance cost is paid out of your pocket each year. Let’s assume your investments are earning 10% – so your investments kick out the other $1000 and those investment earnings are then used to cover the other half of the $2000 insurance costs. That went well didn’t it? You’re still paying $1000 per year and are happy enough – it’s level just like you thought it was.<br />
<h3>But….Anyone remember any recent market crashes?</h3>Let’s take an alternate scenario. It’s 2008. And your $10,000, instead of earning 10%, drops 40%. Your investments are now $6000. You pay $1000 out of pocket towards the insurance costs. The remaining $1000 in unpaid insurance costs now come from the $6000, leaving you with $5000 in the investments. Even if things bounce back to 10% earnings, every year when the insurance costs are deducted, your investments are going to get smaller and smaller and eventually hit zero.<br />
<h3>Heads up!</h3>You’ll notice that the problem doesn’t become apparent immediately. The market crashes, and it may take 2,5, or even 10 years for the investments to dry up. But that’s making the problem worse – remember in this situation the underlying insurance costs go up every year. The longer it’s delayed before the problem becomes apparent, the worse your options are going to be.<br />
In the initial vanishing premium scenario consumers were faced with premiums that were likely level but continuing for a longer period. The reaction was successful lawsuits. In today’s looming universal life insurance scenario consumers may be facing premiums that start out already very high and skyrocket every year after that. And the companies this time have your signature saying you were aware that these things were not guaranteed.<br />
<h3>Do you have one of these policies?</h3>If you have any kind of life insurance that has cash values, investments, or premiums payable over your entire lifetime, you should go dust off the policy and see if you in fact have a universal life insurance policy.<br />
If you do have a universal life insurance policy, find the description of the insurance costs. Different companies have different names, but you’re looking for something like ‘annually increasing’, or ‘yearly renewable’. If you’ve got universal life insurance with annually increasing insurance costs, you’re in danger of your policy imploding.<br />
<h3>What can you do?</h3>If you find yourself in this situation, the first thing to do is get informed. Call you insurance company and ask for an ‘inforce illustration’. They should use your current investment balances, along with a reasonable and conservative investment rate of return. That will give you an estimate of what things may look like going forward. I would point out that even ‘reasonable and conservative’ may not match reality. Try throwing a -40% rate of return in there once in a while and see what happens.<br />
Any specific actions you take after you’ve become informed is still likely to be painful, but the best time to fix it is now. If you’re healthy, you may consider purchasing a new insurance policy with guaranteed level insurance costs. Of course if you surrender your existing policy, any cash that comes out of it will probably be taxed and may also have surrender fees attached to it.<br />
If taking a new medical exam isn’t an option, you may ask your insurance company if you can convert your insurance costs from annually increasing to level. Different companies will have different rules surrounding this. And if you’re still confused, don’t hesitate to call a couple of insurance brokers. These are complicated policies with complicated choices so review your options carefully and ask questions. In the end, the best thing you can do is ensure as much about your insurance policy is guaranteed as possible, and don’t let your future insurance premiums be dependent on anything not guaranteed – no matter how sweet the illustrations look.<br />
<i>Glenn Cooke is an independent life insurance broker and president of <a href="http://insurecan.com/">InsureCan Inc</a>. He can be reached at (866) 662-5433.</i> <br />
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</tbody></table></div>Charles Pedleyhttp://www.blogger.com/profile/11199785903063045541noreply@blogger.com0tag:blogger.com,1999:blog-7727146242404043834.post-2318244109735616632010-09-25T20:36:00.000-04:002010-09-25T20:36:34.067-04:00Book Review and Giveaway: Rob Carrick’s Guide to What’s Good Bad and Downright Awful in Canadian Investments Today: Million Dollar Journey<style type="text/css">
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<tr xmlns=""> <td style="line-height: 1.4em; margin-bottom: 0pt;"><div style="margin: 1em 0pt 3px;"><a href="http://feedproxy.google.com/%7Er/MillionDollarJourney/%7E3/aounX9bVxrc/book-review-and-giveaway-rob-carricks-guide-to-whats-good-bad-and-downright-awful-in-canadian-investments-today.htm?utm_source=feedburner&utm_medium=email" name="1" style="font-family: Arial,Helvetica,sans-serif; font-size: 18px;">Book Review and Giveaway: Rob Carrick’s Guide to What’s Good Bad and Downright Awful in Canadian Investments Today</a> </div><div style="color: #555555; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 9px 0pt 3px;">Posted: 06 Sep 2010 04:30 AM PDT</div><div style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 14px; line-height: 140%; margin: 0pt;"><div class="tweetmeme_button" style="float: left; margin-bottom: 2px; margin-right: 5px; margin-top: 20px;"><a href="http://api.tweetmeme.com/share?url=http%3A%2F%2Fwww.milliondollarjourney.com%2Fbook-review-and-giveaway-rob-carricks-guide-to-whats-good-bad-and-downright-awful-in-canadian-investments-today.htm"><br />
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</a> </div><div class="first-child "><span class="cap" title="I">I</span>t’s been quite a while since our last book review and giveaway, but lets get it going again with a great personal finance book written by the popular Globe and Mail columnist, Rob Carrick. The title is a bit long, but descriptive to the overall theme of the book. The book is titled “Rob Carrick’s Guide to What’s Good Bad and Downright Awful in Canadian Investments Today.”</div><h3>About the Author:</h3>According to the book:<br />
<blockquote>Rob Carrick is one of Canada’s most widely read and best-respected financial experts, with two decades of experience as a business and economics reporter and commentator. Carrick worked on both Bay Street and Parliament Hill before becoming the personal finance columnist for The Globe and Mail ten years ago.</blockquote><h3>About the Book</h3>As you can probably conclude from the book title, this book focuses on the Canadian investment industry and does a great job explaining how the industry works in a brutally honest fashion. Although this book is meant for the beginner to intermediate investor, there is something for everyone in this book.<br />
Did you know that when you buy mutual funds from a discount broker that they keep the trailer fee even though they didn’t offer any advice (<a href="http://www.milliondollarjourney.com/questrade-gives-back-trailer-fees-and-weekend-reading.htm">except Questrade</a>)? Or the traits of an advisor that you should look out for? Or even mutual funds that actually provide value? Those are just a few tid bits of information that I gathered from the book.<br />
The topic areas covered in the book include:<br />
<ol><li><b>Getting off to a good start</b> – how to get started as an investor, some common mistakes.</li>
<li><b>Mutual Funds</b> – how fund fees work, and lists of good and bad mutual funds.</li>
<li><b>Navigating the Stock Market</b> – how to build a simple portfolio without mutual funds, dividend investing, discount brokers, ETFs.</li>
<li><b>Bonds, GICs and other conservative stuff</b> – fixed income rip offs, ETF alternatives, principal protected notes, high yield bonds.</li>
<li><b>Do-it-yourself investing</b> – reasons to use a <a href="http://www.milliondollarjourney.com/review-canadian-discount-brokerages.htm">discount broker</a> along with a listing of the top 3, investments that go great with a discount broker account and online resources for investors.</li>
<li><b>Investment advisors</b> – traits of good and bad adivsors, interview questions, and steps to take if an advisor has wronged you.</li>
<li><b>Information, please</b> – recommended websites/newsletters/calculators for investing.</li>
</ol><h3>Final Thoughts</h3>Overall, I enjoyed this book and would consider it a must read for personal finance enthusiasts, especially those just starting out on their journey.<br />
<b>Want a Free Copy?</b><br />
The book publisher was generous in offering Million Dollar Journey readers the chance to win <b>a free</b> copy of the book. The details are below:<br />
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