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February 18, 2015

Investing Fast and Slow in Inequality

What we can learn from Africa.

If you suspect life is unfair, Oxfam just gave you the numbers to back it up. In a recently published report, the anti-poverty charity presented a staggering statistic: the world’s 85 richest individuals now own around $1.7 trillion, which is as much as the poorest half of the world’s population of 7 billion. In fact, the 1 percent richest people in the world own $110 trillion, which is 60 times the wealth of the poorest 3.5 billion people.

February 12, 2015

Four Considerations before Buying a House

Mistakes can be very costly when it comes to buying a house. Many unscrupulous mortgage brokers would too often convince the homebuyer to spend more and buy a bigger house. This leaves little room for financial maneuver as other costs grow with time making the house not affordable.

What people forget is that mortgage brokers are sales people: they have quotas to fill and a commission to make.

Buying a house requires proper planning, and here are four main consideration to help guide you safely to the home you desire.

February 12, 2015

Explaining the Family Tax Credits in 2015

Let us review the changes to the main family benefits provided by the Government of Canada in 2015.

The amount for the Universal Child Care Benefit (UCCB) will increase. This is the credit paid for each child under 6 years old regardless of the family income. This amount increased from $100 to $160 per month per child under 6 years old. This is the amount paid on the 20th of each month. However, the first 7 months ($420) payment for 2015 will be paid out in July of this year. Then, from August 2015 onwards, the payment will be $160 per month per child.

June 30, 2016

What happens when management fails?

The Art of Management

Capital efficiency

In principle at least, the main function of management is the efficient use of capital in everyday decision making. Managers have to satisfy three main beneficiaries of the company, namely the employees, bondholders, and the investors. Company employees benefit by earning a salary, while bondholders gain by receiving interest on their held bonds. However, both these beneficiaries are more concerned with short term gains, whereas investors, who are the residual owners of the company, are more concerned with long term gains. Investors receive benefit from the company by either receiving a cash dividend, and/or capital gains on the price of the stock.

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