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| Hot Off the Web 2010 December 20, 2010 Hot Off the Web Insurance loophole, scamming seniors,target-date with annuities, spending, asset location, fiduciary definition, financially fit, popular Florida, fewer underwater, Ontario wind-up to be relaxed, Flaherty pension reforn-NOT, Mintz still alone, Carney worried, Social Security exposed, US downgrade? Long bonds good/bad, secretive control over derivatives, Ontario pays for unapproved US surgery. December 13, 2010 Hot Off the Web Ponzi scemes, income splitting, market returns with guarantees-NOT, tax-loss harvesting, estate tax, long/short ETFs, seasonal scams, delayed retirement, ETF types, US foreclosures not yet peaked, pension 'myths' failures and oversight, bursting bond bubble, demographics and security prices, wills, upbeat messages, fiduciary advisor. December 6, 2010 Hot Off the Web Back-testing-not, tax and RRSP answers, Mint.com, emergency withdrawals, insurance-no thanks, 10% returns-not, risk and asset allocation, real estate down again, real estate pitfalls, expand CPP, "Swindlers", country risk, grain shortage, consumer protection. November 29, 2010 Hot Off the Web TIPS innovation, index funds, preferred?, steps before you die, to currency hedge or not? US$ cheap!?! Canada: house prices off!...and risk of large price drop? US home sales down! Care with commuted value in US! pension protection politics, increase CPP eligibility age-NOT! means tested healthcare in Canada? senior poverty up! cap-weighted or fundamental indexing? Go see "Inside Job". November 22, 2010 Hot Off the Web Buy-and-hold! tax tips, 4% rule? life and disability insurance, fiduciary, foreclosures, delayed pensions? PBGC flexing muscle, pension inaction in Canada, Nortel pension not mismanaged??? US core inflation low, future errors, snowbird checklist. November 15, 2010 Hot Off the Web Income splitting, fund types, LTCI, annuities? RESPs, pension shortfall, protecting retirees, direct investing? CARP on private members' bills, QE2 a problem or not? money taboo, put seniors in jail and criminals in nursing homes. November 8, 2010 Hot Off the Web Tax efficient withdrawals, income splitting, higher yields, Canada RE sales down, solving US RE gridlock, global house price indicators, Ontario pension feedback, pension fund issues, seniors pay for recovery, QE2, inflation/deflation, moving to Turkey? shrinking inheritances, stocks heading up more? Alzheimer's action. November 1, 2010 Hot Off the Web Creating your pension, advisers, retirement disaster, inflation/deflation? Markopolos, ETF glut, U.S. + Canada housing weaker, Cdn. realtors settle but..., FL housing + insurance, Ontario solicits pension input, gold vs. $, inflation or price targeting by Bank of Canada, corruption index, emeging market bubble??? retirement challenge. October 25, 2010 Hot Off the Web Deducting mortgage interest, gain-to-pain, stocks not gold, loss to gain, indexes, money from relatives, hedge fund fees, annuities, donside protection? global RE prices, sell the house, foreclosures restarted, retirement behavioral finance, demographic actions, NT pension not mismanaged??? investor friendly industry, inflation up, Mandelbrot. October 18, 2010 Hot Off the Web ETF price war, ETNs, tracking errors, adviser creds, LTCI premiums up, online tools, saving discipline, risk, whistleblowing, timeless rules, target-date, fiduciary, FL property tax, foreclosures, realtor listings, pensions lower stock, pension accounting, equally weighted better? Mundell, ageing & government finaces, deflation good, charity or jobs? risk vs volatility, early retirement??? October 11, 2010 Hot Off the Web ETF perils, annuity shopping, gold mania? Cdn fund cos on defensive, RRSP risk, 401(k) errors, why pay the mortgage? housing demographics, foreclosure politics? US real estate sale? housing bubbles, pension lessons, 'flash crash' culprits, EM bubbles? limited inflation? downfall by complexity, correlations, Milken's changes for America, Big Mac index, government debt and Greek monks. October 4, 2010 Hot Off the Web Income replacement rates, active/passive? investor protection, richer retirement, FL property tax, US distressed properties, CREA unbundles? foreign pension lessons, recovery on retirees backs? gambling/speculating/investing, life insurance tax benefits, emerging markets, "flash crash" report??? currency volatility, Paulson: sell bonds+buy real estate+gold, Nobel prize caused credit crisis? September 28, 2010 Hot Off the Web Retirement requirements, executors, ETF sites, need IPS, adviser relationship, costly wealth management, dementia tracking, US real estate bottoming? Ontario re-considering pension windup, CARP Nova Scotia proposal, Dutch pension problems, bond fund safety, trading reforms,stockpickers packing it in? inflation or deflation? standard of living. September 20, 2010 Hot Off the Web Tax loss selling, ETFs, planning priorities, GMWBs-NOT! fiduciaries? decumulation, selling your life insurance? US LTC insurance and annuity plans, mortgage refinance? cooking pension books, Nortel pension windup, CPP upgrade? bond price warnings, US savings rate, betting on deflation? Canadian health care reforms-OECD September 13, 2010 Hot Off the Web Female plans, online brokers, dangerous advice, inflation/deflation, gambling kids, recession prep, academic ETFs, Vanguard S&P 500 ETF, online real estate, no buble, pension reform critique, longevity data, DB to DC? ageing measures, new bank rules, older not better? HFT, oil glut? boomers' retirement, rising debt, average -to-median net worth significantly up! September 6, 2010 Hot Off the Web 401(k) hedge funds? international stocks, inflation or deflation? 401(k) clunker test, inappropriate portfolio? failed quants? KISS portfolio, US and Canadian house prices up BUT...! stop intervention and let the market fall, careful with Ladybird Deed, September 15 pension rally, HFT, some ETFs dangerous, stocks/bonds cheap or expensive- the dabate continues. August 30, 2010 Hot Off the Web 15 year mortgage? P/E, Social Security, Ladybird Deed, real estate down, Ontario pension overhaul-Not! California's public pensions, pensions for unpaid work, Nortel patent sale-not so fast!?! HFT, double-dip, fiduciary, boomers' impact, "end is nigh", sovereign AA/AAA? deflation bet, hedge funds rob average investor? August 23, 2010 Hot Off the Web Safe or crash?taxing gold, no debt!, lifetime value of $, expense reduction, great moves, Canada's housing slows, US housing policy shift? vultures help,state/muni pension, stock picking? bond bubble? deflation/inflation? flash crash solution? Social Sec OK? healthcare fears in Canada. August 16, 2010 Hot Off the Web Sponsored research, fiduciary, corporate class funds, continuing care, executors, US estate tax, investor manifesto, Canada housing slowing, US foreclosures up, no pension crisis in Canada? demographics, Taleb vs bonds, inflation/deflation, crash coming? US bankrupt!?! snitch payoff, retiring abroad. August 9, 20101 Hot Off the Web Playing it safe, mortgage refinance, punishing fund fees, online planning, advisors' challenge, reverse mortgage, shaky Canadian housing, US housing heading up? or down? MEPP pensions at risk, US public pension crisis, evaluating managers, sector diversification, "onshoring", "flash-crash" repeat? Goldman not alone. August 2, 2010 Hot Off the Web At mercy of chance? long-term less risk? balanced ETF, retirees better off in Canada? Canada home prices up in May, CV for pensioners!?! insecure Social Security, pension reform, Nortel pensions, outliers, insurers' accounting rules, monitoring parents, business uncertainty lower in China than U.S., control what you can. July 27, 2010 Hot Off the Web Market myths, Border Guide, trusts, Fund Facts? Cost impact, tax management, fiduciary, target date, Case-Shiller up? housing double down, house market stumble, Florida sales up but prices down, vacation home? 401(k) clarity, European pensions, Nortel's US vs Canadian pensioners, time to tighten, emerging market allocation, credit ratings? active managers' value, Madoff victims again? July 19, 2010 Hot Off the Web Are we rich? natural disasters, financial planners, payout funds, ex-US sector ETFs, health coverage for foreign retirees in US, Canadian and US real estate heading down? rich default more, Nortel pension, Australia's pension not perfect, auto-enrolment works, fault lines, fiduciary needed, boomers impact stocks? US savings growing, hedgies like gold, market crash or not? Pimco did that? retirees' worries. June 29, 2010 Hot Off the Web Retirement homes & LTCI, dividend funds, annuities, asset allocation, bankers' elder care, stewardship, rebalancing, passive shift, murky life policies, Case-Shiller and darkening real estate, FL population, pension deal? Nortel pensioners screwed again, Mercer 'actuarial malpractice', rising retirement age, US financial legislation, early retirement? risk oremium, keep printing. June 21, 2010 Hot Off the Web Financial abuse, bond opacity, ETFs: good or bad? future Roth taxes? owners become renters, lower Canadian real estate? pension reform: what and when? Treasurys and gold, California bankrupt? investing herds, commodities little value? beyond shareholders!?! June 15, 2010 Hot Off the Web Human capital, don't mix debt and seniors, Investment Policy Statement, too rich? convert to Roth? real estate investing? US/Canada mortgages, can't downsize, FL tax rates up, FL smoke and mirrors, it's official: Canada's pensions need fixing but when/how? MPs' pensions OK, commodities don't work, Soros doom, Bernanke on deficits, $200 oil, deflation!?! double dip, Wall Street doesn't get it! June 7, 2010 Hot Off the Web Longevity insurance, bond indices, new credit card, ETF liquidity? withdrawal rates, Canada & US housing slowdown, rent vs buy, Bill C-501, new pension deal? declining active management, no debt in retirement, gold, suggestions to money managers, deflation, Volker rule for countries. May 31, 2010 Hot Off the Web U.S. dividend tax, cottage ACB, house prices: U.S. still weak and Canada weakening, Bill C-501 moving forward, ETF danger? sovereign debt crisis, grasshoppers and ants, human capital, Canadian national regulator? high Canadian household debt, U.S. inflation later, and gold bubble? May 24, 2010 Hot Off the Web Charles Ellis, flash crash, diversification, healthy retirees' health costs, RRSP good or bad? Markowitz, inflation, no vacation property, FL home prices up? Canadian home prices to fall? Manley on pensions? (DB) pension crisis, false 'investment beliefs', Klarman worries, war solves financial crisis? US financial reform (not in Canada), "debacle of Omaha". May 11, 2010 Hot Off the Web Skip PPNs, Bodie: stocks dangerous, bond risks, stop-loss pain, Canada's real estate heading down? tax hit on foreclosures, US real estate still overpriced! it's not 'pensioncare', pension reform not required? dynamic asset allocation, fiduciary brokers, US debt>90% GDP, useless rating agencies, Buffett's derivatives, Goldman scapegoat. May 4, 2010 Hot Off the Web Goldman lessons, debt in retirement,numbers lie, ETFs off track, Canada's house price increases slow, FL property tax, condo foreclosures, CMHC=FNMA? housing affordability, government annuities? Braniff's Common Front, more downside for Nortel pensioners, Buffet+Goldman +Moody's, democratized greed, financial reform, and more Goldman... April 27, 2010 Hot Off the Web Disclosure enough? Income focus? Shiller P/E at 22, losing money funds, unclaimed funds, C-S Home Price Index up YoY but down MoM, Florida real estate, World real estate, pension reform? rising rates save pensions? financial industry adds nothing but costs! regulations fail, rating agencies fail, and...Goldman. April 20, 2010 Hot Off the Web Investing wisdom, insurance going up, ETF tax traps, reverse mortgages, active ETFs, ETF clutter, fees, diversification, pension reform now!?! MPs' pensions, Florida's boom to bust and insurance "innovation", Canada's real estate bubble, U.S foreclosures up, coming correction and higher rates, poor risk models, life insurance scam? SEC charges Goldman. April 13, 2010 Hot Off the Web Reverse mortgages-Not, fee-hungry advisors? commissioned salespersons, Nortel pensioners, pension trustees fined, U.S. pending home sales up but foreclosures hit rich, Japan's crisis, Treasuries up/down and inflation/deflation? Madoff story about hard-wired incentives to breach of trust! April 4, 2010 Hot Off the Web Investing how, choosing a planner, fiduciary, commissions banned, insure or self-insure? Nortel pensioners' sad story, real estate: Canada's up while U.S.'s down, second-home mistakes, corporate governance, new high in oil? Alzheimer's risk reduction. March 29, 2010 Hot Off the Web "Croupier's take", commodity ETPs, hot performance? active ETFs? financial self-diagnosis, fee-only planners,pro's family finances, interest risk, Canadian pension crisis, Ontario's PBGF, CCAA judge KOs Nortel pensioners, Canadian real estate bubble? Florida home sales up but prices down, near the bottom? inflation/deflation? Templeton's forecast, performance persistence? monetizing deficits, financial advisors' risk. March 23, 2010 Hot Off the Web Target-date funds, whole-life insurance? Canadian retirement? retirement calculation, pension? nursing home, inflation, government failure, risk-based portfolio, passwords. March 16, 2010 Hot Off the Web Loonie hedging, deathbed bonds, salvaging retirement, CouchPotato, bond risk, U.S. public pension crisis, CDC pension, foreclosures surge, good speculators, sovereign debt explosion, suing rating agencies, bubble beneficiaries. March 9, 2010 Hot Off the Web Hedge yourself, high 401(k) fees, what-if scenarios, Nortel pensions, pension crisis? retiree tsunami, UK pension stress, continuing US housing crisis, Canada avoids mortgage crisis, fixed income indices, boomers paying their way? economic power shifts to Asia? overvalued Canadian $, Soros on capitalism, competitive devaluation. March 1, 2010 Hot Off the Web Buffett's advice,mutual fund costs, brokers not fiduciaries, investing secrets, structured products, Nortel pensioners crushed, time in retirement up, Canadian real estate on fire- so is Australia's- but not U.S./FL's, reduced corporate oversight with ETFs, Greece/Goldman and dogs/fleas, naked CDSs, Bodie lashes out at planners/advisers. February 23, 2010 Hot Off the Web Asset location, credit card fees, broker or adviser? bond bubble, premium CEFs, pensions to annuities? MPs pension crisis? Nortel pensioner- sorry! U.S. home price deterioration slower, Canadian housing bubble:yes,no,maybe? scam or scheme in variable annuities? deflation-good, pyramids and gold. February 14, 2010 Hot Off the Web High trading, global bonds, Canadians more confident than Americans? expensive "safety", ETF portfolio, disability odds, safer target-date, US medical options, Nortel pension deal??? higher RRSP limits, Canadian housing bubble? FL condo sales up, demographic impact on returns, American deficit, enjoy 60+! February 9, 2010 Hot Off the Web Marginal effective tax rate, TFSA Q&A, RRSP pitfalls, retirement myths, Malkiel says index it, disability insurance, Florida property taxes up, State Farm drops 20% of FL customers, MLS challenged, Canada housing bubble, Social security deficit, pension reform, Ontario to deliver on PBGF promise, trust Wall Street? Vanguard 'alternatives', financial innovation? February 2, 2010 Hot Off the Web TFSAs better? GMWBs-Not, global diversification, Obama on annuities, ETF risks, public/private pension gap, Nortel pension, Canadian real estate up, lessons for Americans, Vancouver least affordable, agents under attack, aligning retirement dreams, bankers are out, best healthcare system? January 26, 2010 Hot Off the Web Required assets for retirement, cash safe? disability insurance, first save then invest, need both TFSA and RRSP, bonds, leveraged investing? securities lending risk, retirement impact of financial crises, Canada's pension system flaws, U.S. real estate volume/prices up/down, why too many funds, active vs. passive, moral ethics vs. legal ethics, 'normal weight obesity'. January 19, 2010 Hot Off the Web Realistic expectations, Investment Policy Statement (IPS), financial advice? >$1T in US ETFs, annuity? retiring on how much? reverse mortgages, actarial wisdom: pension deficits erased with stroke of pen and 50% pre-retirement income is enough? Florida/US foreclosures rising, Canada real estate bubble? lessons from Japan, but China is different, not market cap indexes? more deleveraging. January 12, 2010 Hot Off the Web Hedged US ETF, lifetime cellphone cost, consolidating assets, indexing is it, risk, Roth, estate tax, snowbird tips, pending home sales off, pensions and bankruptcies, public or private pensions, bubbles, inefficient market opportunities? emerging markets, boomer squeeze. January 5, 2010 Hot Off the Web Covered calls, Pascal's Wager, Roth and estate tax, public service pensions for all!!! Canadian pensioner-Pity, inappropriate 401(k) and RRSP funds, house price indices, Florida real estate, risk, stock returns? mortgages-inflation-bond rates, bad decade, social unrest? | |
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