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| Hot Off the Web 2009 December 22, 2009 Hot Off the Web Asset location, annuities option in DC plans, Pimco asset allocation, find a fee-only advisor, age for Social Security, managed payout, DB plans in danger, Whitehorse pension summit: crisis or no crisis? developed country default? gold? December 16, 2009 Hot Off the Web Funds serving clients? Roth conversion, kaChing? reaching for yield, Canada's housing bubble? US housing in 2010? default then rent, pension solutions/reform? actuarily prudent or even realistic? pension crisis- yes! China ahead of US, lost decade in US stocks, currency diversification, regulatory protection against financial mistakes, bankruptcy priority, constructive criticism? December 8, 2009 Hot Off the Web My investing, 2010 advice, planner questions, retirement plan errors, Roth IRAs, Vanguard model, fees, GMWBs, bond ladders, house flipping, western provinces lead on pensions, performance chasing professionals, no annuities in partial windup, Australian pension fees, winds of change: privatization, Sunday shopping, global warming investing. December 1, 2009 Hot Off the Web Decumulation, saving, "passive" investing, year end opportunities, junk bonds, Canadian housing index up, snowbird deals? bankers' "protection", pension crisis, next bubble, gold, correlations, inflation/deflation? collateral damage. November 24, 2009 Hot Off the Web Bear market retirement, rat race escape, Invesco ETF fund still a loser, best advisor, Pimco ETF, bond trades, Case Shiller up, mortgage holders down, foreclosures and sales up, double dip? Canadian's standard of living down, lumber opportunity, gold, let's make a deal. November 17, 2009 Hot Off the Web Hold the course, 'confirmation bias', need for insurance, annuities? Canadian banks, tax loss selling, mutual fund wrapper for ETFs (NOT), Canadian real estate bubble, no more pensions? actuarial advice? send the money south, $20B lessons, graft survey. November 11, 2009 Hot Off the Web Emerging markets ETFs, Warren Buffett, tax savings, debt relief, scam protection, pension mess, assault on freedom? U.S. default!?! necessary fiscal deficits? Rogers v. Roubini, money destabilizing marriages. November 4, 2009 Hot Off the Web Bond risk, retirement lottery? transfering capital loss, GMWB(NOT), Canadian real estate bubble? condo for retirees? Florida mil rates, Insurance Co: pensions OK as is (not), SEC investigates retirement products, Japan debt nears 200% GDP, stock indexing, Cassano crashed the world, and gold, gold, gold... October 28, 2009 Hot Off the Web Mutuals out- ETFs in, expensive TIPS, target-date guarantees? Real estate: US up but foreclosures loom- Canada in bubble, FL Save Our Homes in court, Canada's pensions: Quebec relief- Ontario constipated and federal pretend relief, Smithers' views, yield and other bubbles, deflation is better? emerging East, pension at 70? October 21, 2009 Hot Off the Web ETFs, fees, gold, 401(k)s back at 2007 levels-with contributions, trust your advisor?, variable annuities even worse, Canada's pension disaster, a few good reverse mortgages, death bonds, 'regulatory capture', Nasdaq vs depression market. October 16, 2009 Hot Off the Web Stock risk, hedging, bonds, alternative assets, real estate: Canada booming while US bust continues, pension crisis continues but Mercer thinks Canada is #4 best in the world, ungrateful undead, hedge fund misrepresentation, active vs passive, having it all. October 9, 2009 Hot Off the Web The problem MER or HST? asset allocation only free-lunch, target-date, financial planning or selling? ETF resources, covered call instead of bonds? case for BIA changes: Mr.Z the $12M man, new retirement plan, keep on dancing, supply and demand, distribution costs, risk management, 'closet indexing' out? madness of mobs, stocks for the long-run. October 2, 2009 Hot Off the Web "Enough", SS surprise, deadly sins, currency bets? income split, pension protection, pension problems, US and Canada housing indexes, housing affordability index, new risk mitigation, finance theory? emerged markets, $1T cash! September 25, 2009 Hot Off the Web Yield stretch? passive investing,fee backlash, only GICs? pay-off mortgage, Barclays proxy voting, Ford:pension regulatory failure! UK pension relief, stocks risky even long-term, pension LDI, RE: Toronto booming, US sales off, FL no bottom but property taxes rates up; dark pools, finance bad for innovation, 10 years of lessons, evolving suburbia, elder care. September 17, 2009 Hot Off the Web Buy and hold, falling US$-so what? DIYs, ruthless math, rebalancing, smarter than last year? Vanguard in Canada? sue your advisor? pension reform? new real estate era, financial cancer, gold bull/bear? Ontario vs mutual fund industry? September 10, 2009 Hot Off the Web Index funds win, sitting tight, options, bell curve, protection, online broker, pension crisis, fewer retiring, Florida exodus, foreclosure, deadbeats, me landlord? conflicting messages, inflation or deflation, forecasts? ratings=free speech? retribution. September 2,2009 Hot Off the Web Fiduciary, withdrawal strategies, what matters, red light? ETFs, fees, advisor's advisor, OBSI alert, FL property tax, consistent vs. rational, American crybabies, loan-sharks, pension reform, Saudi emplyee protection, IRS wants $3B. August 26, 2009 Hot Off the Web Target-date, Otar's book, commodity ETFs, health insurance alternative? investing psychology, ETFs, Nortel pension, US/Can house indexes up, Florida sales up but problems persist, financial double-think, $ decline, knowledge vs wisdom,forecasting? stock buy-backs, SS and reverse mortgage bailouts, central banker role. August 18, 2009 Hot Off the Web Senior advice, unwinding estates,Supreme Court on high(?) fees, advisor wake-up call, clients take charge! undermining ETFs, Florida's crisis, record foreclosures, home prices, renting? Canadian pension reform? insurance companies opposed (who cares), Mintz is government's pension "resercher"? deflation? value vs. growth, Efficient Market Theory, low expectations, health care. August 4, 2009 Hot Off the Web Advisors, three ETF based portfolios, structured products (NOT), leveraged ETFs (NOT), pension reform, life insurance, bonds, risk in retirement, green shoots, bubbles, retroactive TFSA, US a banana republic? emergency pension policy changes. July 29, 2009 Hot Off the Web Retirement prep boot camp, advisor shift, "insured" portfolios, multi-asset class, clueless DC investors, real estate bottom? retroactive TFSA, inflation/deflation? personal bankruptcy, speculator driven commodities? Federal Provincial finger-pointing July 23, 2009 Hot Off the Web Online estate,variable annuities-not, ETF selection, why life insurance, firing your advisor, second opinion, longevity insurance,retirement back-up plan,helping parents,commuted values and Nortel pensions, real estate bottom? inflation/deflation/stagflation, new economics, derivatives explained. July 17, 2009 Hot Off the Web Public/private pensions Canada/US/UK, vigilant UK regulator, what pension reform? Social Security/CPP timing, home not investment,inflation hedge, online portfolio management services, 130/30 ETF, RRSP "meltdown"? US/UK/Japan better than Europe, de-dollarization, lower foreclosures by equitizing debt, US Zip to buy gas. July 10, 2009 Hot Off the Web Death list, advisers & trust, no inheritance, failed asset allocation? index funds still a go! covered calls, target-date problems, Florida property taxes & appeals, Ontario house sales up, Sprott on gold and Treasuries, consumer deleveraging, older drivers, change BIA to give priority to pensions & LTD benefits. July 3, 2009 Hot Off the Web Pension priority in bankruptcy, more pension problems, inflation, commissions are over- fee for for service starts, Ponzi protection, traditional asset classes to replace alternatives? money blogs, financial calculators, retirement at 70? what 'mean', secret of capitalism. June 26, 2009 Hot Off the Web Nortel pensioners abandoned? Canada/US real estate heading up/down? Canada departure taxes, over 55 workers increasing, continuing care communities? advisers beware? individual asset liability matching, life-cycle investing, no stock for older investors? out with leveraged ETFs, target-date funds not all the same. June 19, 2009 Hot Off the Web Re-org of US financial markets, holding cos., tax-deductible mortgage, inflation/deflation, slow or quick recovery? senior life (abuse, death rates? stay in the harness), Vanguard advantage, reverse-convertibles,Clements's new book, Bodie on stocks,...real estate on the way to??? pensions. June 12, 2009 Hot Off the Web Advisors, housing, pensions, fund proliferation, online tools, term life up, inflation, reverse mortgages, active funds (not), asset swap, ETFs, mathematicians have solutions? June 5, 2009 Hot Off the Web Rent-or buy? inverse/leveraged ETFs, corporate bonds preferred, high deductible health, rating nursing homes, target-date funds, hedge funds, control, inflation or deflation and how to mitigate? US real estate, pension "superfunds" not well liked by mutual fund vendors. May 28, 2009 Hot Off the Web Swensen's recommendations, portfolio discipline, worst is over? hyper-inflation, mortality errors, stock for retirement? early retirement? optionally burnt, housing hurricane, April Case-Shiller housing index, Case-Shiller funds, Latvian hookers. May 22, 2009 Hot Off the Web Fear and greed, investment mix, advisor needed? buy vacation home now? claiming SS(or CPP) early? wealth managers failed to deliver, scams, more difficult lump sum distributions, big CPP asset drop, Nortel: legal representation and proposed reduction of CV payouts, free media access? May 15, 2009 Hot Off the Web regulating derivatives, NOT market failure, tax relief, US bargains? charitable annuities, new pension plan challenges, F-rated Canadian fund fees, trust your advisor? leveraged/inverse ETFs- don't, Nortel saga continues. May 8, 2009 Hot Off the Web Canadian pension shock, Monte Carlo, U of T like Yale? hedge the Loonie, buy-and-hold, principal-agent, retirement income products, ETFs taking off, asset manager challenges, downside risk management, college grad lessons, letter from Nigeria! May 1, 2009 Hot Off the Web Demographics, active vs passsive, ETFs, Home indexes: US and Canada, Arnott on bonds and equity risk premium, Roubini's look-ahead, US middle class crisis- a view from Germany. April 26, 2009 Hot Off the Web Annuities, retirement requirements, staying rich, retirement tips, buy-and-hold, inflation or deflation, covered calls, suing for losses, and pensions... April 19, 2009 Hot Off the Web Picking an advisor, asset allocation, ETFs in 401(k), retirement outlook, bankruptcy and pensions, great NBR video on retirement finance. April 12, 2009 Hot Off the Web Longevity insurance, gold, Bogle's crusade, active management, broken pensions, books on the crisis, buy a home now? pension splitting, EIAs (GMWBs), Nortel's Canadian creditors about to get the short end of the stick? April 5, 2009 Hot Off the Web Manufactured financial products, 2/3 fixed portfolio for retirement? modernized into ice age, debt and marriage, investment decisions and your brain, Yale's David Swensen approach, Florida: Ponzi state? what needs fixing? retirement income, pensioners' perfect storm. March 29, 2009 Hot Off the Web Suitability or fiduciary based protection? helping with cash, recovery signals, inflation/deflation? chat with parents, efficient markets? Ontario budget on pensions March 22, 2009 Hot Off the Web Worry about insurers, Fed's bond buy, dollar cost averaging, 2008 tax relief, annuities, medical tourism, investment cons, who will be pension champion? sharing pension risk, liability driven investment, firms trying to escape pension obligations? executive bonuses in bankruptcy protection! March 15, 2009 Hot Off the Web Deflation?when to fire your advisor? does you advisor understand risk management- perhaps not, public vs. private pensions- different worlds, Nortel pensions, property tax increases in Florida-again? March 8, 2009 Hot Off the Web Target-date funds,steps for crazy times, RRSP beneficiaries: who and how? investment errors, diversification, efficient markets? rebalancing is good? Pension crisis blame?...and for some humor: Nortel executive bonuses!?! March 1, 2009 Hot Off the Web Stocks riskless in the long run? Euro-pension plans retreat from stocks, doom and gloom from Niall Ferguson, the middle way, bank bonus schemes led to risky behaviour, Canadian home prices heading down? U.S. defaults to retirement saving, poor pension plan models, ETFs for day trading not hedging. February 22, 2009 Hot Off the Web Index funds beat mutual and hedge funds, different CDs, plan for 400 million pensioners, credit score, conflicted credit ratings, RRSP strategy, watch out for big hitters, RRSP/TFSA fees, income splitting, "rebalancing", U.S. housing troubles, no Hail Mary passes! February 15, 2009 Hot Off the Web Detox from "success", Roubini Q&A, lessons from losses, accounting exposed, new pension plan models, fee-only vs. fee-based, retirement? February 8, 2009 Hot Off the Web GDP based bond index, scary deflation, recovery signs? foreign investments, variable annuity fears, managed-payouts come up short (for now), (un)regulators, new ETF features February 1, 2009 Hot Off the Web Credit card company watching where you shop, retire retirement? self-employment, automatic payments (NOT), U.S. home prices down again 2.2%, Mandelman's grim outlook on unemployment and war, retiree hell, financial pros stand by asset allocations and make small tweaks, apply financial models with scepticism. January 25, 2009 Hot Off the Web Working through retirement, budget for disaster, mutual fund trailers refunded, reverse mortgage demand growing, the pension burdens of companies??? Nortel pensioners' crisis January 18, 2009 Hot Off the Web Nortel bankruptcy protection, single Canadian securities regulator, challenges of single retirees, Yale's investment model vs others, hire a relative for eldercare, mortgage refinancing difficulties, Fed's call for input on pensions. January 11, 2009 Hot Off the Web Bogle's six lessons, pension solvency at historic low, hope for ailing firms? target-fund problems, education saving problems, job hunt, defined contribution plan flaws, the other con-game. January 4, 2009 Hot Off the Web U.S. housing plunge continues, complexity better than clarity in describing reality, legacy of values vs money, 2009 tax tips, risk tolerance, public debt may now be good, depression- not, factors driving gullibility. | |
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