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30.11
2011 Author:
Tags:
Mortgage Mortgage Gameplan No Comments »

CIBC Revises its Mortgage Gameplan

CIBC has made a fundamental change in its mortgage strategy.

Canada’s #5 bank says it will no longer focus as heavily on mortgage market share. It will instead aim for higher profit margins and “deeper client relationships.”

When we heard that on CIBC’s earnings call Thursday, we immediately wondered one thing: How is this good for consumers?

CIBC’s answer would probably be that better relationships with your banker yield financial benefits (e.g. one-source access to wide-ranging financial advice, convenience, multi-product discounts, etc.). There is some truth to that in theory, especially for those who value convenience over choosing the best individual providers of financial products.

On the other hand, CIBC was clear today that it wants to focus on profitable customers and earn higher net interest margins (NIM). We theref

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22.11
2011 Author:
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Pension Plans Plans No Comments »

Does Ontario really need five Pension Plans?

You know them by their handles: HOOPP, OMERS, OPB, OP Trust, and Teachers. These five defined benefit pension plans make up the bulk of the pension assets for public sector workers in Ontario. Which means that the Ontario taxpayer is on the hook for each when the markets fail to produce sufficient capital growth and income to meet the contractually promised benefits. With $338 billion of collective investment assets at the start of the 2011 fiscal year, there is a lot a taxpayer risk when the market wanes.

Each of the five plans has its own unique qualities and history. HOOPP is known to be a plan filled with younger workers in the medical field, while the Teachers is a more mature vehicle of teachers who often live to 90 or 100 years of age or more. If you live in London, Ontario and work for the public sector on the Provinical side, these are the five entities that the government set-up years ago to serve your needs.

But youve got to ask yourself: why a London firefighter, a London teacher, a local OPP officer, a local MTC employee and a nurse at St.

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20.11
2011 Author:
admin Tags:
purchase credit card No Comments »

Reasons to Consider a Purchase Credit Card

It is a well-known fact that many people enjoy shopping using their credit cards, often because these cards provide them with benefits such as purchase protection, interest free purchase periods and more. This is why it can be a good idea to consider choosing a specific card created with shopping in mind if this situation sounds familiar to you.

A purchase credit card is something that is very useful for anyone who uses their card on a regular basis and it comes with a good package of benefits that make it a good all-round option. One of the main reasons to consider using a purchase credit card is that they usually provide a good introductory period of interest free purchases. Full Article…

13.11
2011 Author:
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Important Considerations For Affordable Housing

Some people want to sell their properties only because to get rid of them. These people do not consider profits. But there is a class who are doing businesses with properties. They invest in a large number of properties in order to seek maximum revenues. The term affordable housing investment is used for this kind of real estate investment. Following are the some important points that must be considered by an affordable housing investor.

Target Markets

Real estate investor must take into account the following classes as their target markets.

Aged and Disabled People

The main classes that seek for affordable housing are old people who are over 65 years of age and disabled persons. The number of these buyers is increasing. These two classes are in severe need of affordable housing.

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12.11
2011 Author:
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Food Food Manufacturers No Comments »

Food Manufacturers To Blame For Childhood Obesity

You might be asking why is a weight-loss article on an ecomomic blog?  I’ll tell you why.  Because the food source is causing people to be horrible fat and sick.  You know what?  It’s very expensive to the economy too.  Consider how much of our GDP is spent on these medical problems and how much money the food industry makes.  It’s the pink elephant in the room.  Give this article a quick read and you’ll see what I mean:

Everyone wants to get involved in the war on childhood obesity in the U.S., from Congress to British chef Jamie Oliver, but who will ultimately have the most impact to effect long term nutritious change?

It is a fact that U.S. children are obese. Potato chips and French fries make up 50% of all vegetables that children aged 17 and under consume here. The Government is alarmed by the idea of a whole generation that is obese with prospects of a shorter life span than their parents. Diabetes is ju

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30.10
2011 Author:
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The Unlikely Retirement Savings Strategy

One of the best risk-adjusted investments you can make requires no commissions, no buying and selling and no management fees.

According to a new study from the Certified General Accountants Association of Canada (CGAAC), the boring old mortgage prepayment performs better than most common retirement savings vehicles, including RRSPs.

“…Single individuals and couples with no dependents may be better off accelerating their mortgage payments than contributing to a retirement account,” finds the study. “This is the case for all income levels and savings rates, but particularly for lower-income individuals.”

“Those earning $30,000 annually and saving 2% of their earnings will get a nearly twice higher return by accelerating their mortgage payments compared with saving through a RRSP.”

Once the mortgage is paid off, it’s assumed that one then takes the money formerly allocated to mortgage payments and starts investing it.

There is an exception to the above findings, however, and it applies to better-off homeowners with kids. The CGAAC says:

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