Home. 6 big Canada Pension Plan changes coming in 2012. Last week in a speech in Davos, Switzerland, Prime Minister Stephen Harper lit a political powder keg when he hinted at possible changes to Old Age Security benefits.
He was quick to point out that the Canada Pension Plan is "fully funded, actuarially sound and does not need to be changed," but a close look at the plan shows some alterations to the CPP are already under way. MORE RELATED TO THIS STORY —Savings: Don't shortchange the later years —How to save enough for retirement —7 steps to reach your retirement goals The rules governing the Canada Pension Plan are updated regularly, but most years the changes are limited to simple increases to benefit payments and premiums. Not this year. Ottawa is bringing in a raft of new or tweaked policies to reflect that retirement these days is more of a gradual transition for many people rather than a single event. Early CPP, lower benefits The first change involves payment rates.
Later CPP, bigger benefits Drop-out years increase. SocialFunds.com: The largest personal finance site devoted to socially responsible investing. Canadian teens are overly optimistic about their future earning potential - Yahoo! Canada Finance. Canadian teenagers have a rosy outlook on their financial future, according to a recent survey.
The study, which was commissioned by the British Columbia Securities Commission, reveals that teenagers have great expectations when it comes to their earning potential. But there's just one teeny, tiny problem. MORE RELATED TO THIS STORY —6 methods for ditching credit-card debt —What the top 1 percent of earners majored in —Facebook COO’s surprising advice to young womenThese expectations have nothing to do with reality. The National Report Card on Youth Financial Literacy survey of more than 3,000 youth, ages 17 through 20 — many of whom were currently enrolled in post-secondary education — finds that Canadian youth expect to make big bucks upon graduation. The report states that the average survey respondent expects to earn $90,735 in 10 years. Socially Responsible Investing News and Information. Financial, Money, Economic, Business News. Investment Property Mortgages in Canada. Have you ever tried to get details on residential investment property mortgages?
Let me tell you, it's a real adventure. Your local Canadian bank branch usually doesn't have a clue and ends up scaring you off from doing any residential real estate investing all together. There are some excellent people in bank branches, you just need to find them. Basically, bank branches aren't set up to deal with the questions investors have and they work on residential investment property mortgages so infrequently they usually don't know the details.
5 Stock Market Beating Alternative Investments. Let’s face it: investing in the stock market is not always the best idea.
This is particularly true for older individuals who can no longer afford to wait out the “downswings” of the market. While there is nothing wrong with investing some of your money in the stock market (if it’s at the bottom now, there’s only one way for your investment to go), there is no better time than now to consider alternative investments. By considering these options, you can diversify your portfolio and hopefully earn an even better return than you would get with stocks. TFSA: Savings account or investment tool? How to be a millionaire - Yahoo! Canada Finance. There's no real practical reason to ask "who wants to be a millionaire?
" because the only people who won't put their hand up are religious types who've taken vows of poverty and those who are already multi-millionaires. Unfortunately, there's a big gulf between those who want it and those who do the things to make it happen. Based on recent statistics on U.S. household income, millionaire-dom is not something that's going to happen for most people, even with the dubious benefits of inflation. A Directory of Socially Responsible Stocks (Companies) The idea behind socially-responsible investing (SRI) is to invest in companies that don't do objectionable things, such as pollute the environment, exploit workers, or kill animals.
Who wants to invest in Shell Oil (for example) when Shell destroys the land of indigenous people on third-world countries -- people who are often killed for protesting such destruction, as was Ken Saro Wiwa in Nigeria? We buy stock because we hope the company will be successful, which will cause the stock price to go up, so we can sell the stock at a higher price and make money.
But if we buy stock in companies that do bad things, then we're profiting from their evil. Excerpt: Inside The Collapse - 60 Minutes. Michael Lewis’s ‘The Big Short’? Read the Harvard Thesis Instead! - Deal Journal. By Peter Lattman Deal Journal has yet to read “The Big Short,” Michael Lewis’s yarn on the financial crisis that hit stores today.
We did, however, read his acknowledgments, where Lewis praises “A.K. Vancity - My Money. Best Canadian Dividend Stocks for 2012. Last Monday, I pulled out the Best US Stocks for 2012 with 182 companies listed in this post.
As mentioned previously, I wanted to do the same thing on the Canadian stock market to be fair and to show you which companies are interesting to own in Canada even if you are a US citizen. Green Investing. I recently decided that I wanted to make some major changes to my RRSP, which I manage myself with a Scotia McLeod Direct Investing account.
I've been dabbling in the stock market for about 10 years now, and fully managing my own investments for about the last 5 of those. And in general have done pretty well with it and beat the market average by a fair bit. Recently I decided that I should put my money where my mouth is, regarding green investing, so I went on the search for green investments. What I was primarily looking for was Canadian investments, which turned out to be a lot more challenging than I'd originally hoped because I had to limit myself to companies that were publicly traded on the stock markets - due to the nature of my Self-Directed RRSP with Scotia McLeod.
HOME. Investing Strategies. Upham, New Mexico. Upham is an uninhabited, unincorporated community and place in Sierra County, New Mexico, United States.
It has gained recognition for being near the site for the Spaceport America facility being developed by the New Mexico Spaceport Authority.[1] This will be Virgin Galactic's world headquarters and mission control location.[2] Upham is located approximately 30 miles east of Truth or Consequences, and 45 miles north of Las Cruces in the southern part of the state[3] 4557 feet (1388 meters) above sea level. Agriculture: An Investment Where Money Might Grow On Trees. Over the last two years, commodity price fluctuations have become severe. Moreover, many long-term investors continue to anticipate additional increases for multiple commodities, including higher food prices. As a result, many investors are looking at agricultural commodities, farmland and other methods of hedging potential currency devaluation or future commodity price spiking.
Many investors have called out farmland as one of- if not the best- inflation hedges for investors. They believe that coming agricultural price increases are inevitable, and that the demand for food will continue to grow at a rate outpacing the ability for technological advancements to farming to increase crop yields. Below, listed in alphabetical order, are eight agriculture-based equities that are publicly traded within the United States, though their businesses are not necessarily exclusively, primarily or even partially located in the United States. Jacobs Engineering : Providers of Professional, Technical, and Construction Services.
XGD Overview - iShares ETFs. Get ready for some not-so-golden years when you retire. We need more bad financial news these days like the NHL needs another concussed hockey player. But that’s exactly what personal finance authority Gordon Pape has given us in his latest book about retirement. It’s called Retirement’s Harsh New Realities and you can forget any ideas you might have about hyperbole being used to sell books. Not with well-documented chapters carrying titles such as Pension Plans Are Dying, Our Savings Rates Are Pitiful and There Is No Safe Place For Your Money. Business News, Stock Quotes, Investment Advice. Global ETF Solutions. ETFs. The World's Most Ethical Companies - Forbes.com. Before you buy that emerging markets ETF... By Charles Sizemore As I wrote last week, I have emerging markets on my mind because — at least through the first of the year — I'm living in one.
I'm writing this article from the bustling Peruvian farming and ranching town of Paijan, where, between attempting to follow the markets from afar and chasing after my two-year old son, I've managed to find a little time to ride some of Peru's famed Paso horses. (Tiny Paijan is actually well known among Peruvian horse aficionados around the world by virtue of being home to the Vasquez family. If you've never heard of Anibal Vasquez Montoya or his sons Anibal and Lucho, then you have no business calling yourself an aficionado.) In my last article, I wrote that 2012 would be a comeback year for emerging markets and I want to reiterate that point today. Buenaventura is an excellent miner, of course. Lovemoney.com - Live life richer with lovemoney.com.
Food Inflation Agriculture Stocks to Buy - DE, AGU, CF. While many of us here in the United States are focusing on economic recovery, much of the rest of the world is concerned about more basic needs — like food. In fact, the world is reeling from a food price shock, aka, food inflation, which was exasperated after the U.S. Department Agriculture (USDA) surprised traders by cutting their forecasts for key crops, which sent corn and soybean prices to their highest level in 30 months. Specifically, the USDA said corn inventories are expected to decline 5.5% this year to the lowest level in 15 years. Corn is used to make ethanol, which is causing gasoline prices to rise and is an important ingredient in animal feed, so meat prices are rising.
The United Nations Food and Agriculture Organization recently warned the world could see another food crisis as grain prices rise further. Avoid The Generation Debt Trap. The Corruption of America. The numbers tell us America is in decline… if not outright collapse. Free Calculators. Calculator: How Long Will the Money Last?
A Visit To The ETF Graveyard. Research & Trade Exchange-Traded Funds (ETFs) from FocusShares. Royal Canadian Mint ETR Begins Trading on TSX. OTTAWA, le 29 novembre 2011 – La Monnaie royale canadienne a le plaisir d'annoncer la clôture du premier appel public à l'épargne portant sur les Reçus de transactions boursières (RTB) de la Réserve d'or canadienne. Les RTB se négocient à la Bourse de Toronto (TSX) depuis aujourd'hui sous les symboles MNT (en dollars canadiens) et MNT.U (en dollars américains). Un total de 30 millions de RTB ont été émis à un prix établi à 20,00 $CAN chacun (19,29 $ en dollars américains) pour un produit brut de 600 millions de dollars canadiens. « L'énorme intérêt suscité par le programme des RTB de la Réserve d'or canadienne de la Monnaie est une preuve indiscutable que ce produit constitue un moyen pratique, économique et sûr d'investir dans de l'or », a déclaré Ian E.
Chaque RTB constitue la preuve de propriété d'un produit d'investissement en or détenu par la Monnaie dans ses installations sécurisées d'Ottawa (Ontario). Who Else Wants A Beer ETF? 4-Star Stocks Poised to Pop: Boston Beer (SAM) Archived - Regulations Come into Force to Protect Canadian Credit Card Users - September 2010. Ottawa, September 1, 2010 2010-076. Calculator Soup - Online Calculator. New Investor video: Investing and stock market advice. BNN - Business and Financial News, Analysis, Video and Blogs - Business News Network. 20 Best Performing Dividend Yield ETFs And The Search For Income With Growth. The trend toward search for income with growth is well established. The financial repression by the Fed just makes the trend stronger, but even without that the demographic trends create forces that favor dividend growth oriented investing. AAII: The American Association of Individual Investors. Stingy Investor: Yield of dreams.
Yield of dreams. A Motley Fool Special Report.