Timing The Stock Market

Timing The Stock MarketAs I’ve articulated before, I’m not a big fan of timing the stock market, and everything I’ve read about the efficient market hypothesis (that stocks are rationally priced at all times based on the sum of everyone’s understanding of the market) makes sense. That being said, there also seems to be a great case against selling when markets fall, or buying when markets are very bullish (going up fast). Following…

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How to Get a Bridge Loan?

How to Get a Bridge Loan?Can banking get any more complicated? Hey man, you have no clue .  But in fact, clients can make banking and the loan industry complicated: At first, somebody wants to buy a house but doesn’t have any cash available for a down payment. So, banks create mutual funds to help him save. Then, this same individual can’t manage his budget so he can’t really save. And, banks come up with…

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Steps To Buy A Home For The First Time Home Buyer in Canada

Steps To Buy A Home For The First Time Home Buyer in CanadaBuying a First Home can be a very stressful & scary time for most Canadians. This article will be outlining the step-by-step First Time Home Buying process I work through with my clients. As a Real Estate Specialist my goal is to provide First Time Home Buyers with the most qualified information possible. I enable you to purchase with ease and have full understanding of the process you have to…

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Top Platinum Credit Cards in Canada

Top Platinum Credit Cards in CanadaFor those people who have had a credit card for more than a few years, it could be time to start thinking about whether the card you currently own offers all of the benefits you want. For more established consumers, an option that is available is a Platinum card. Platinum cards generally offer more benefits over standard “classic” or “Gold” cards, but have correspondingly different restrictions. These cards also come…

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The Trouble With Being Cheap

The Trouble With Being CheapQuite a few people have been expressing their admiration for my frugality to me, so I thought it was time to rein in the enthusiasm and talk a bit about the downsides of frugal living. 1. The most obvious downside, and what I don’t actually consider a downside, is frugality makes you question your buying decisions. We live in a society that wants to sell us stuff all the time,…

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Dividend Increase is Not a Reason to Buy a Stock

Dividend Increase is Not a Reason to Buy a StockThere are many common misconceptions about dividend investing. For example, all dividend paying stocks are stable companies. Or, a dividend from a stock will more than offset any losses you receive in share price over the long term. However, there is one that I find most persistent in both new and experienced dividend investors. It is often viewed as a reason to buy a stock, yet it should never be…

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How Much Do You Need To Retire? The 10% Rule

How Much Do You Need To Retire? The 10% RuleWhen trying to figure out how much you need to retire, there are many different rules of thumb you could follow. While I’ve previously discussed the 4% rule and the rule of 20, which both calculate your likely income at retirement, the most common calculation on how much to save up to retirement may be the 10% rule. The 10% rule simply states that you should save 10% of your…

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Financial Reboot

Financial RebootOne of the major tricks I learned when I was an I.T. dude, was how easy it was to fix problems if you told your customer, “Have you rebooted your system lately?”. I also knew this drove my customers nuts, but it worked most of the time, and they had to then go away, and I usually had a good chuckle. When I was at the Maundy Thursday service at…

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The True Cost of Rudeness

The True Cost of RudenessI’m often struck by how rude people in customer service positions are.  I understand when people say “they have a tough job and they get fed up with it just like anyone else”, but ultimately if it’s the ENTIRE point of someone’s job to interact with the public, shouldn’t they stay nice (or at the very least neutral)? Bell is AWFUL as a company, and the worst experience I had…

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A Time to Sell?

A Time to Sell?Recently in the comments section of a post from July 2008, titled 30% today vs. 50% tomorrow, a reader John asks the following question, “I noticed some of my mutual funds are showing a 70% return from one year ago (market low). Do you agree it’s a good time to sell some now and wait for a dip in the major indexes before getting back in? I’m of course talking about…

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