http://www.qubeconsulting.ca/index.htmlCreative Financial Adviceenshawn@qubeconsulting.caCopyright 2009 Qube Consulting Inc.2010-10-31T11:06:46-06:00 hourly 1 2000-01-01T12:00+00:00 Thu, 03 Sep 2009 10:41:18 -0600shawn@qubeconsulting.caInvestments2010-10-31T11:06:46-06:00http://www.qubeconsulting.ca/Blog/files/57ca7cc78da4d310a851e622cd9dce49-9.php#unique-entry-id-9http://www.qubeconsulting.ca/Blog/files/57ca7cc78da4d310a851e622cd9dce49-9.php#unique-entry-id-9Despite my enthusiasm for a great pitch, I have always held that there is a distinction between investing and speculating. “Speculating” is defined as a position that not only fails to reasonably promise a return on the investment but also a return of the initial investment as well. On the other hand, an “Investment” is defined as a position that, upon thorough analysis, gives both a reasonable expectation of a return and safety of principle. ]]>shawn@qubeconsulting.caInvestments2010-01-25T10:42:51-07:00http://www.qubeconsulting.ca/Blog/files/ef960bdb0087f6b5a9e0bb103fed1579-8.php#unique-entry-id-8http://www.qubeconsulting.ca/Blog/files/ef960bdb0087f6b5a9e0bb103fed1579-8.php#unique-entry-id-8
CPP is in good hands and adequately funded for the next 75 years.

Change to working beneficiaries will cause owner-managers to consider T5 or T4PS income starting in 2012

Change to early retirement adjustments will cause many to take it in 2011 (or soon) in the near future or delay to 65 in the coming years

]]>shawn@qubeconsulting.caInvestments2010-01-25T09:34:12-07:00http://www.qubeconsulting.ca/Blog/files/10b46bcdb6ba84b37dfc4b999cf85665-7.php#unique-entry-id-7http://www.qubeconsulting.ca/Blog/files/10b46bcdb6ba84b37dfc4b999cf85665-7.php#unique-entry-id-7The headlines of 2009 have been a welcome breath of fresh air. Most analysts expected that 2009 would be better than 2008 but the speed and consistency of the recovery has been nothing short of remarkable. While there is ground to gained and systemic issues to fully work through, the positive market and economic news of 2009 has provided an opportunity to reflect on the events of 2008 as we rebuild portfolios and the financial system heading into 2010.

There have been many arguments about the nature of the recovery. Some have suggested that there will be a new “normal” and that we will see slow and sluggish growth. The rapid recovery over 2009 surprised many by its pace and persistency. Rhoubini, the famed analyst that gained fame by accurately predicting the housing crash long before it occurred appears to have majorly missed the mark when he advised to stay out of the stock market in 2009. Following that advice, an investor would have missed out on signifi cant double-digit growth. With the BFCIUS one of many indicators predicting continued recovery in 2010, discussion now turns to how and where the progress will occur. There are defi nitive issues remaining that will reign in aspects of the recovery and pose challenges for policy makers but we believe there are stories starting to emerge. ]]>shawn@qubeconsulting.caBenefits2009-09-09T14:10:00-06:00http://www.qubeconsulting.ca/Blog/files/779478206952c83685b31cb8df89abe7-5.php#unique-entry-id-5http://www.qubeconsulting.ca/Blog/files/779478206952c83685b31cb8df89abe7-5.php#unique-entry-id-5
Reported Improved Drug Coverage for Seniors
A Common Drug List for all Government Sponsored Programs
Catastrophic drugs for rare genetic disorders
Adjusting Non-Group Coverage Premiums]]>shawn@qubeconsulting.caInvestments2009-09-09T14:07:57-06:00http://www.qubeconsulting.ca/Blog/files/196e7cccdeaf53c415a474d43b210a8b-4.php#unique-entry-id-4http://www.qubeconsulting.ca/Blog/files/196e7cccdeaf53c415a474d43b210a8b-4.php#unique-entry-id-4shawn@qubeconsulting.caInvestments2009-09-09T14:06:15-06:00http://www.qubeconsulting.ca/Blog/files/56f00f78c144e7815faf0e0c76143a76-3.php#unique-entry-id-3http://www.qubeconsulting.ca/Blog/files/56f00f78c144e7815faf0e0c76143a76-3.php#unique-entry-id-3shawn@qubeconsulting.caInvestments2009-09-09T14:03:46-06:00http://www.qubeconsulting.ca/Blog/files/e688865d63a0e2403c0c7bf0b111fb31-2.php#unique-entry-id-2http://www.qubeconsulting.ca/Blog/files/e688865d63a0e2403c0c7bf0b111fb31-2.php#unique-entry-id-2shawn@qubeconsulting.caInvestments2009-09-09T13:59:52-06:00http://www.qubeconsulting.ca/Blog/files/52012e048737e7e20d013926fcb0fd0f-1.php#unique-entry-id-1http://www.qubeconsulting.ca/Blog/files/52012e048737e7e20d013926fcb0fd0f-1.php#unique-entry-id-1shawn@qubeconsulting.caInvestments2009-09-09T13:56:54-06:00http://www.qubeconsulting.ca/Blog/files/04028f93e83cb0717dfdfbd943f6fc45-0.php#unique-entry-id-0http://www.qubeconsulting.ca/Blog/files/04028f93e83cb0717dfdfbd943f6fc45-0.php#unique-entry-id-0