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July/August 2010

The Next Domino
Choosing Fixed-Income ETFs in the Current Climate
Graham's Simple Way - 2010
Case Study: Mutual Fund Investing Whiplash
Relating Stock Prices to Earnings
A Recommended FixedFloater Preferred
Name Dropping
A ShareClub Empowerment Story
Nobody Saw This Crisis Coming. Oh, Really?
The Future of House Prices
An OAS Issue
Naming an RRSP/RRIF Beneficiary
U.S. Direct Purchase Stocks
MoneyDigest topics include: DSP vs DRIP Clarification; Metalex Ventures Ltd; Income Trust Conversions; RioCan - Steady Income and Growth; Partnership With WISCO; Dividends Pay Back
Ask the Experts - Canadian MoneySaver editors respond to questions from our members on a variety of topics.

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CMS Events

Wednesday, July 7, 2010 - David Stanley, Dale Ennis and other Guelph ShareClub members opened the TSX

Saturday, Sept 25, 2010 - One-day investment conference at the Metro Toronto Convention Centre featuring our expert writers through a series of seminars held during the day (8:30 am - 4:30 pm). Full details available here.

Mediterranean Odyssey -
Venice to Barcelona
October 7 to 19, 2010
Join like-minded investors on a 12-day voyage that visits six countries on board Cunard's luxurious Queen Victoria. View full details here.

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Money Sense

An OAS Issue

Brenda MacDonald

Recently I had an interesting e-mail from a long-term MoneySaver member detailing his Old Age Pension application experience. He suggested I write about his situation to share it with others who might find they face a similar circumstance. For the purpose of this article I will call this fellow Ben (not his real name).

Service Canada sent Canada Pension Plan (CPP) and Old Age Pension Plan (OAS) application forms to Ben shortly after his 64th birthday. He chose to begin receiving both pensions once he turned 65 and completed the forms and sent them in. A month after his 65th birthday he started getting his CPP payments deposited automatically every month into his bank account and continues to receive those regularly with no problems.

OAS proved to be another matter and this is what he would like to share with readers. Ben was contacted by Service Canada and told that his income from the previous year was above the OAS eligibility cutoff and he would not be entitled to any OAS that year. He thought that was the end of it – nothing gained, nothing lost. However, after studying the matter carefully, Ben's very astute wife discovered that something would indeed be lost unless he withdrew his application for OAS. How can this be?
Read on...

As It Happens...
Economy & Markets
U.S. and Canadian economies to avoid double dip recessions
Bank of Canada increases overnight rate target
Canada's growing popularity with foreign investors
Investment Manager Outlook
Canadian Advisors Take a Bearish View
Canadian Economy Gaining Steam
The Financial Crisis - What Remains to be Done
Canada's economy grows at fastest pace in a decade
Bank of Canada increases overnight rate
Regulators Analyze Recent Market Volatility
Government restraint exerts drag on growth in 2011
Loonie dampens pension gains in first quarter

Currency
Scotia Capital's Global FX Research (Daily)

DRIP News
Imperial Oil Continues Existing SPP
TransAlta named to 2010 Jantzi list
Manitoba Telecom Services DRIP approved by TSX
Bell Aliant's plan for conversion to a corporation

Financial & Tax Planning
Canadian Brokerage statements failing to deliver value
Tax Ruling on Air Reward Plans
A financially healthy retirement
56% unsure of the best investment opportunities
The Piggy Bank Index
Four-in-ten Canadians retiring with debt

Consumer
A Look at Car Insurance Rates
Consumer complaints grow rapidly
Ontario's HST Taxable Items
Ontario move to equal pricing for prescription drugs
Mutual Funds
60% of Active Fund Managers Underperform S&P/TSX
ETF Clutter

Real Estate
U.S.-Style Home Price Correction Unlikely in Canada
Combination mortgages increasing in popularity

New Products
$395 Flat Fee MLS Plan
Inverse Government of Canada Bond ETF
Equal Weighted Version of the S&P/TSX 60
BMO Financial Group Expands ETF Line-Up