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Helping Canadians with Personal Finance Since 2006

Archive for February 2012

The Joys and Pitfalls of Downsizing your Home

The first wave of baby boomers are entering retirement – in 2009 seniors citizens only represented 14% of the population; that figure’s projected to nearly double to 24% in 2036. With nearly a quarter of the Canadian population entering retirement over the next two decades, it’s the perfect time to look at the option of…

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The Effects of Reducing the Dividend Gross Up Amount (2012)

Over the last few years, the Canadian government has been reducing the dividend gross up amount along with the federal portion of the dividend tax credit. This isn’t simply a tax grab, but it simply compensates for reduced corporate tax rates. Less corporate taxes mean higher taxes for shareholders so that the tax man retains…

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Wealthy Barmaid, Groupon, Magazine Stocks and More

Article: Wealthy barmaid’s RRSP is 2 income properties @ Canadian Money Forum Groupon Review @ One Year Ago in the Archives – interesting that this post was written pre-IPO. Investing in Magazine Stock Picks is a Bad Idea @ Canadian Capitalist Paying lower fees directly can be tough on investors @ Retire Happy How to…

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Top 5 Asset Allocation Strategies

“Wide diversification is only required when investors do not understand what they are doing.” – Warren Buffett Probably the single most common incorrect quote in investing is: “Asset allocation determines 94% of your investment returns.” The quote refers to a study1 that is misquoted by both the investment industry to market simple investment strategies and…

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How Leveraged Buyouts (LBOs) Work

Mergers and acquisitions are common place in the business world.  Besides cash, or cash and share buyouts, there’s a common, yet controversial strategy, called the Leveraged Buyout (LBO) that private equity funds have been known to use. What is a Leveraged Buyout? A LBO is a way for one company or person to acquire another…

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Scams of the Modern World – I

As most of us would agree, greed and gullibility fuel the growth of unscrupulous people and their myriad ways of deceiving the public through various channels. The scams we read about are diverse in nature and the investment industry has not been left untouched either. Below are some of the typical scams that we should…

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Facebook IPO – Will You be Buying?

If you’ve been following finance news over the past couple of weeks, you would have likely read the headlines about the much anticipated Facebook Initial Public Offering (IPO).  With Facebook having the largest social network in the world with over 840 million active members and growing, they are moving towards Google like dominance, which has…

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