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Improving Investment Returns

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One Saturday, famed investment manager Peter Lynch was working at the office when he decided to answer the phone. The caller was a holder of his mutual fund who was calling to cash in the investment. Peter explained how he was excited about the growth prospects for the economy and his fund and asked him why. As Peter tells the story the caller said: 'Because I am breaking even!' The fund went on…

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Building Wealth

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There are many definitions and meanings for the term 'wealth'. It is often said that it is easier to build wealth over time than it is to keep it! Some confuse high incomes with wealth while others point to assets owned as an indicator of wealth. And, many people use the terms 'assets' and 'wealth' interchangeably assuming they mean the same thing. The distinction between these two concepts may…

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The Five Insurance Must Haves

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Insurance is, and has always been, a tool to manage risk. If you cannot afford to 'lose' something, it is best to insure it. The five types of insurance everyone should have are: Life Insurance - The primary reason to have life insurance is to replace an income that will be lost on death and to meet the financial obligations that are left behind. No ones debts should last longer than they do and…

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So, You Got a Tax Refund

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According to the Minister of National Revenue, the average tax refund is over $1,500 for the 2011 tax year. Surprisingly, many Canadians are thrilled about getting a big refund. While certain situations can lead to an unusual tax refund, far too many Canadians lend large sums of money to the government at 0% interest year after year. Two things you can do to make your refunds smaller are: File a…

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Reaching for Yield in a World of Low Interest Rates

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While we can talk about concepts such as inflation and purchasing power the struggle for many people today is earning enough income on their savings to meet their lifestyle needs. Interest rates and the earnings from capital through dividends, bonds and real estate rental income have dropped dramatically in the past few years. Government bond yields are near 400-year historic lows! According to…

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