An FOBT is a simple test, but it can make some people queasy.
It makes me angry because it means I have little control over protecting my clients.
They should be able to confidently navigate independent situations. Being able to ask other adults for help, ordering fries from a fast food counter, helping a younger child at the playground, figuring out their own boundaries -- this all takes practice.
If you're retired and living off the interest you receive from your fixed income investments (regardless of what the interest rate is), your capital is dropping in value every day. This drop in value is not noticeable on your statement, but is certainly noticeable when spending your money.
With a longer life expectancy, women have to realize the impact that overly conservative investing can have on their ability to reach their financial goals.
In the run up to next week's federal election who is really listening to the startups that make our economy healthy? While we like to think of ourselves as having a market economy it is virtually impossible to do a startup in Ontario without running into the distortion of a government funded gatekeeper.
Almost all innovation policy and spending by the Ontario and Federal Governments are focused on subsiding private sector risk. These kinds of government programs create artificial gatekeepers, arbiters empowered to make capital allocation decisions despite never having "been there and done that" -- or often being less qualified to evaluate a new billion-dollar-plus opportunity than the startup founders they are judging.
What was the biggest risk you've taken with your professional life? Caitlyn Jenner took a risk that could have cost her the money that comes with being a public figure. She had no idea if the public would accept her, if she would be a "celebrity" or not. The risk was worth it for her, even if the risk sent her into obscurity.
While an offer with no subjects could certainly be more attractive to the seller, I do not advise my mortgage clients to go in without subjects due to the potential risks involved.
I am speaking tomorrow to directors and officers about oversight of risk management by boards of directors. I prepared a
In the area of technology, are boards fulfilling their duty of care in overseeing management and protecting shareholders' investment? Indicators are that many boards and directors may not be. Plaintiffs' lawyers are suing companies and their boards over technology failure. Here are some recent statistics and trends.
Face-saving entrepreneurs will call this a "pivot," which basically means, "I was doing this one thing, and now I realize I should be doing this other thing instead." You might feel like a fool for not getting it right the first time around, but I challenge you to find any entrepreneur who got everything right from the get-go.
In my teaching, research and consulting, I no longer use "NP-58201 Corporate Governance Guidelines," June 17, 2005 ("Guidelines"), that apply to publicly traded companies in Canada, as an example of exemplary corporate governance. Here are the ten deficiencies to the guidelines as I see them.
No one likes permanent loss of capital and no one seeks to have a drop in the value of his or her assets. What we need to understand is if you can sleep at night when your monthly statement value has dropped by some amount. More importantly, will it impact your ability to enjoy your life and meet your personal financial obligations, if this were to occur?
Optimism resides in Nigeria, despite the potential horrors of Ebola's global spread. Why so? As of September 23, the Centers for Disease Control has 21 confirmed cases with eight deaths in Nigeria from Ebola. That number is low. This is, in part, because childhood education is essential to the rising Nigerian economy.
Whether it's making amends with a colleague, asking for a raise, requesting help, admitting you don't understand, or going for the promotion, good things can happen when you take down your walls. Yes, bad things can happen too, and there is the risk of disappointment.
Contrary to our common perception of nuts as unhealthy, Dr. Sievenpiper found a modest decrease in blood fats known as triglycerides and blood sugars among people who added tree nuts to their diets compared to those who ate a control diet.
Ever felt like risk stopped you from doing something you truly desired? Ever had risk keep you up at night?
Every time you sit down with an investment professional, you are asked what your risk tolerance is. Regardless of the method for defining the risk you'll accept in your investment portfolio, you are wise to define the meaning at the outset with the person administering your money. It will save you a lot of sleepless nights.
If you're an average Canadian, you probably own a principal residence and have a few dollars invested or saved somewhere. If you have money invested in stocks, bonds or real estate, you may be concerned about losing your money. This is a reasonable thought; although, depending on what you're invested in, your concern (read: worry) is probably a waste of time.