Why and When Using Debt to Invest Makes Sense

Why and When Using Debt to Invest Makes SenseThe history of investing is full of cautionary tales regarding the use of leverage to enhance returns, and how it is your best friend until it becomes your worst enemy. But many times, the trigger that causes great losses resulting from leverage has nothing at all to do with the quality of the underlying investments. The story is quite simple. Let’s say there is a good idea with a fair…

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7 Investing Books To Read Now

7 Investing Books To Read NowNotwithstanding the protestations of anyone who believes that surfing the Internet is a proxy for actual learning, the real world is not teachable in 140 character increments. Therefore, I generally recommend to people who genuinely want to learn about the investing and capital markets that they embark on a program to read seven seminal books that give an unvarnished look into the industry and its characters, opportunities and challenges. With…

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Lessons From Heartbleed – 5 Ways to Protect Your Money

Lessons From Heartbleed - 5 Ways to Protect Your MoneyHeartbleed, a software defect discovered this week with an aptly terrifying name, has scared us all into taking a second look at the security of our online financial data. This includes even the Canada Revenue Agency, which shut down its site Wednesday to protect our precious, and incidentally vulnerable, information. But we should be vigilant on a regular basis. Here are five ways to prevent financial hemorrhaging and fight online…

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How to Invest in Retirement

How to Invest in RetirementWhat happens to your RRSP when you retire? Prior to retirement, people maximize their contributions to their RRSPs, top up their children’s RESPs and put whatever is left over into their TFSAs and non-registered accounts. Once they hit retirement, the mystery about investing their savings to draw an income while unravelling these plans begins, and the biggest concern they face becomes not outliving their money. There has been a great…

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5 Signs of a Good Financing

5 Signs of a Good FinancingInvestors should generally dislike companies that issue stock because it’s better if they are self-financing and don’t need to dilute their shareholder base. However, companies do need to grow, and financing is one of the prime reasons the stock market exists in the first place. Rather than dismiss all financings, here are five points to consider in determining whether one is good or bad. 1. A new share issue should…

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Canadian Women Among Most Risk-Adverse Investors

Canadian Women Among Most Risk-Adverse InvestorsIt’s been nearly a decade since Kelly Jansen of Ottawa took her first tentative steps into the world of financial investment. She was, at the time, admittedly cautious. Overly so. Fresh out of a marriage where she took a backseat on financial matters, Jansen didn’t know how to build a portfolio, nor did she have much confidence in her ability to make the right decisions around money and her future….

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5 Things Investors Can Ignore

5 Things Investors Can IgnoreOne of the problems with investing is that there is simply too much information for investors to consider. In the old days (that is, pre-Internet), investors needed to take a long-term view. Now, mere seconds after a company’s quarterly release or other news event, millions of investors, analysts, economists and bloggers around the world can give you their instant take on what just happened. Individual investors are bombarded with information,…

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Kids Develop Money Habits By Age Seven

Kids Develop Money Habits By Age SevenKids develop money habits by the time they’re seven, according to recent research from Cambridge University. And that means that parents’ financial styles have an influence on their kids own fiscal skills well into adulthood. Backed by London’s Money Advice Service, a free financial-literacy organization, the “Habit Formation and Learning in Young Children” report found that by age seven, most kids recognize the value of money and know how to…

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Why its time for investors to take some chips off the table

Why its time for investors to take some chips off the tableOn Dec. 6, 1941, while Europe was engulfed in a war that saw Germany control all of Western Europe except Britain, Americans were spending an ordinary Saturday, wrapped in their collective isolationist blanket. Whether getting some Christmas shopping done, listening to game shows on the radio, or taking in a movie such as Citizen Kane, The Maltese Falcon or Dumbo, the battles being fought on the far sides of the Atlantic…

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How to Decide If You are Ready to Invest

How to Decide If You are Ready to InvestSo you want to get into the investment game and you’ve been sitting on the bench. The Standard & Poor’s 500 index is up around 18 percent this year through September and you’re apprehensive about getting back into the game now. Should you just run onto the field and start playing or wait for the coach to put you in at the right time? The following are three essential questions…

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