Category 2012

Hot Off the Web- December 24, 2012

Contents: Inflation fighting in retirement, U.S. tax-net snares Canadian residents, Canadian house prices off 0.4% past month, Canadian house sales forecast revised downward, pension reform prospects: expanded-CPP up while PRPP down, Coyne: expanded-CPP with a twist, compulsion (and nudge) the only way to achieve higher wealth accumulation for retirement, Supreme Court of Canada rules against […]

Hot Off the Web- December 17, 2012

Contents: Year-end tax planning, U.S. ETFs for Canadians, cash under the mattress, downsizing? RRSP vs. public service pension, QE damages pensions and investment while smoothing distorts reality of deficits, Stones induced Social security reform and intergenerational warfare? understanding retirement income risks, target-benefit plans, “laws of competition do not apply under asymmetric information” due to agents […]

Hot Off the Web- December 10, 2012

Contents: Only “fee-for-service” in Australia and UK, factors for monitoring and dynamic adjustment of withdrawal rates: stage in retirement/asset allocation/longevity percentile/distribution period/failure probability, hedge funds place big bet on improving US housing, impact of rising condo fees, banks more receptive to short sales, flood-risk insurance, expanded-CPP, Ontario private pension shortfalls to be partly covered by […]

Hot Off the Web- December 3, 2012

Contents: what ‘fundcos’ won’t tell you, fiduciary standard required, passive beats active-again,  long-term care costs, when RRSP withdrawal is sensible, global diversification, downside of joint asset ownership, US housing up, shadow housing inventory well managed-so far, pooled assets for Ontario public sector, expanded-CPP trumps PRPP, demographics drive stock returns, end of bond bubble inevitable but […]

Hot Off the Web- November 26, 2012

Contents: Rebuilding financial industry trust, mutual fund fees, 401(k) inadequacies, sell or hold before US capital gains tax increase? longevity insurance taking off in US, 15 year mortgage at 2.56%, Canadian house prices moderating, US house prices increasing, PRPP is DOA, Swedroe: passive investing winning despite Wall Street resistance and consumer ignorance, like Taj Mahal’s […]

Hot Off the Web- November 19, 2012

Contents: Rebalancing, 401(k) plans, when to take CPP, Investment Policy Statement, financial literacy insufficient for better retirement outcomes, fiduciary, Toronto office condos, US housing starts up, FL foreclosures top US, collateral damage of state/city pension plans underfunding to hit employees and taxpayers, reducing bonds allocation, raging or raving bull? Vanguard index switch challenges Personal Finance […]

Hot Off the Web- November 12, 2012

Contents: Prep to meet adviser, Investment Policy Statement ‘essential’, tactical asset allocation failed, skill vs. luck, index wars: watch for under- and over-laps, “rule of 40”, FL property tax Amendment 4- defeated, bleak retirement for young workers, generous public pensions are paid by those with no pensions, cult of equity is dead? Allocate 10-15% to […]

Hot Off the Web- November 5, 2012

Contents: LTC costs up, cap- vs. GDP- weighted bond indexing, estate planning in Canada: advantages to giving it away before death, closing the retirement income gap, adviser designations, US house prices up, demographics and Canada’s house prices, Florida property tax, public pensions under attack in Canada and UK, Arnott: avoid big companies, gold price might […]

Hot Off the Web- October 29, 2012

Contents: Disability insurance, RMD-based withdrawal strategy, target-maturity bond ETFs, scary retirement study, fiduciary advisors in Canada? house prices: Canada peaked-US bottomed? Florida house prices advance, PRPP dead? Federal pensions still generous, low interest rates NOT root cause of underfunded pensions, yuan to trump dollar? change at Fed feared? Ben Stein’s advice, root cause of extraordinary […]

Hot Off the Web- October 22, 2012

Contents: “Sure things”, single seniors lose, Ellis: “Winners’ game”, elder financial abuse, iShares vs. Vanguard mud fight, other ETF costs, long term care, Khaneman on risk tolerance, Canadian housing on precipice? US home inventories down, Canadiam MP’s and public service pensions tightened, Canada’s and US’s pension systems 6th and 10th out of 18- makes sense? […]