January 28, 2018

Most companies offer a retirement plan and if you are smart you are participating.  Company sponsored plans are always a good deal.

There are three types of company sponsored plan.  There is the defined benefit plan, the defined contribution plan, and the group RRSP pla...

January 21, 2018

I trade with my local grocery store.  Yesterday I bought three strip loin steaks for $22.  Why did this trade happen?  I valued the three strip loan steaks at more than $22 cash and my grocery store valued my $22 cash more than they valued the steaks.  Trade is volunta...

January 11, 2018

There are three themes to the website.  I’ll state them.  Investing in markets is a positive sum game but a zero-sum game around the market return.  The ramifications are that active managers in the aggregate add negative value after-cost. The second theme is that cost...

January 4, 2018

Love him or loath him Trump’s tax package is yet another supply side economic experiment.  All other supply side experiments have ended quite well.  Both JFK in the early 1960s and Ronald Reagan in the early and mid 1980s slashed personal tax rates across the income sp...

January 1, 2018

We got lucky.  We bought a home in the GTA 15 years ago.  We borrowed $200,000 and paid $250,000 for our small home.  The value has grown to $750,000.  Seems like a great investment but let’s look at the arithmetic.  Growth from $250,000 to $750,000 in 15 years is an a...

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