Welcome to the 16th edition of the Canadian Personal Finance & Investing.
Before I continue, I wanted to let all of you know that this will be the last Carnival for the near future. I’m hoping to publish one more post before putting Investing Thesis on temporary hiatus.
Circumstances (good ones) at work have compelled this decision but the good news is that the blog is only on hiatus temporarily. I will be back.
Working (even though it didn’t really feel like work most times) on this blog and interacting with numerous interesting, smart and wonderful readers, portfolio managers, analysts and fellow blogging buddies has enriched my life beyond words and I can’t be more grateful for the experience.
I’d just like to take a second to say thank you to everyone who has communicated with me in connection with this blog.
Before things get too mushy, let’s begin the Canadian Personal Finance & Investing #16.
Canadian Finance Blog presents History of the Canadian Dollar, saying, “The history of the Canadian dollar is almost as interesting as the history of Canada itself. Let’s take a look at the history of the Canadian dollar.”
Canajun Finances presents Inflation Steadies in January, saying, “Inflation steadied for now, but with the Gas price explosion, how long will this last, and it is still 1 full basis point up from last year’s rate at this time.”
Balance Junkie presents RRSP vs. TFSA: One Last Dip into the Debate, saying, “Each of us needs to educate ourselves on both TFSAs and RRSPs and choose the combination that works best for us.”
In Search Of Salt presents Saving Money with Limit Orders, saying, “If you buy individual stocks for your portfolio, you might be familiar with limit orders. If you aren’t familiar with limit orders, you should be, as they are a great tool to ensure that you don’t pay too much, and can also be used to save money.”
Retire Happy Blog presents Are Your GICs Insured Under CDIC?, saying, “Billions of dollars in Canada are invested in safe guaranteed investments like GICs. One of the most attractive features of the GIC is the safety of the capital.”
Million Dollar Journey presents Identifying All Star Fund Managers II – Finding the All Stars, saying, “In the last article, we looked at the first step in identifying All Star Fund Managers – getting rid of the bottom 90% of fund managers/investors. This article is about the final 3 steps in the process that take us from the top 10% to a team of All Star Fund Managers.”
Boomer and Echo presents How To Get The Most Out Of Your Savings, saying, “You need to spend some time figuring out effective ways to get the most out of your savings. Here is a “back-to-basics” primer.”
Money Smarts Blog presents RRSP Home Buyers Plan – First Time Home Buyers Loan, saying, “The RRSP home buyers plan is a great way to beef up your house down payment. When I bought my first house, I had a down payment of $20,000 which was taken from my RRSP. If you are thinking of borrowing from your RRSP to buy a house or condo, here are some rules to know.”
Canadian Capitalist presents New withholding taxes on stock option benefits, saying, “If you receive employee stock options (ESOP) or restricted stock units (RSU) at work or participate in the Employee Stock Purchase Plan (ESPP) offered by your employer, you should be aware of new CRA rules on withholding taxes.”
Young & Thrifty presents Vietnam Travel on the Cheap (Especially During Tet)
Financial Highway presents Deferral of RRSP income: A Great Tax Strategy . . .But, saying, “When it comes to money and personal finance, this time of year gets people thinking about tax and RRSPs (Registered Retirement Savings Plan). When you buy your RRSPs, we often get focused on the tax deduction and forget the benefits of future tax deferral.”
Beating The Index presents Investing in Oil: My Bias for Canadian Oil Producers, saying, “The recent events in the Middle East and North Africa clearly justify my shameless bias towards Canadian oil producers. Yes oil is a global resource when it comes to supply and demand so why concentrate only on domestic producers when there’s so much exploration and production going on all over world?”
Invest It Wisely presents Lessons Learned from Moving Out at a Young Age, saying, “Moving into my first apartment nearly 8 years ago was no big deal. Just about all of my furniture were hand-me-downs from family or stuff I was bringing along, and when moving into an apartment there isn’t too much else to take care of since first, you’re not expecting everything to be perfect, and two, much of that stuff is someone else’s responsibility.”
Investing Thesis presents An Energy Pick By Portfolio Manager Daniel Cheng of Matco Financial Energy Fund
Rob Carrick presents Guaranteed retirement income, but at a price, saying, “The life annuity is a retirement investing product with to-die-for optics.”
Martin Mittelstaedt presents Private equity fund shines in spotting takeover deals, saying, “Sentient Group has an uncanny knack for owning takeover candidates in the highly speculative junior resource sector.”
Jonathan Chevreau presents Read between the literacy lines, saying, “The noble goal of boosting financial literacy is like motherhood or apple pie: You won’t find many bad-mouthing it. So it was predictable that Canada’s financial industry fell over itself this week to praise the final report of the Financial Literacy Task Force.”
Larry MacDonald presents More on where invest your RRSP, saying, “As the RRSP season comes to an end, many people are engaged in the last-minute rush to make a contribution. Others may have already contributed but the money is just sitting there as cash until they decide where they want to invest it. Let’s look at some ideas.”
Canadian Couch Potato presents How Often Should You Rebalance?, saying, “In my previous post, I looked at the reasons why investors should occasionally rebalance their portfolios. When a portfolio contains both fixed-income and equities, rebalancing is mostly about risk management: if it also results in higher returns, that’s a secondary benefit. Having a disciplined rebalancing schedule also helps you control your behaviour and resist the pressure to chase performance.”
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That’s a wrap, folks! Have a smashing day and week!