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