How do you make money? In 2021, I asked 53 accomplished women around the world this question.

Reading articles about the future of work, you get the impression that things have changed enormously in recent years and that many or a majority of women are now making their money through terms that didn’t even exist 20 years ago: “side hustle”, “Instagram influencer”, “gig economy” and so on.

But my shocking finding is that 85% of the women I interviewed make money in ways that aren’t any different from how women made money in 2000 or even back in 1980: a third have jobs that pay salaries and bonuses, perhaps with a bit of a twist; about a quarter make money off of direct drive sales (a business model I remember well from selling photocopiers for Xerox in 1986!) and another quarter provide some sort of fee-for-service. A mere 15% have the “many sources” model for money-making… much lower than I would have

Ellen Roseman speaks with Michael Bartz, host of the In Over My Head podcast, about his tiny house and lowering his environmental footprint as well as living simply and frugally.

Introduction

Today’s introduction will be short and sweet, as I think the title above and definitions below largely speak for themselves. My goal today is to provide a glossary or cheatsheet you can use when learning how to speak mortgage in order to guide you towards making the most informed decision possible about the best mortgage for you and yours. My fervent thanks once again to my friend and mortgage guy, Russ Morrison of The Morrison Mortgage Team for his input in creating and shaping this article.

• Posted Rate: the interest rate lenders advertise to borrowers for mortgages with different features and for different rates of time. Lenders provide posted rates for both fixed-rate and variable mortgages.
• Discounted Rate: the actual rate your lender charges you on your mortgage because you’re special rather than the rate they quote to the unwashed masses. You’ll likely need to haggle to get this

Closer to the end of 2020, Peter Hodson and I, with Belco Private Capital Inc., launched the i2i Long/Short U.S. Equity Fund, a fund focused on small and mid-cap U.S. stocks. Naturally, being Canadian and operating in Canada, it begs the question of why U.S. small and mid-cap (SMID-cap) stocks are in the first place. So, let’s look at some of the reasons why we like U.S. SMID-caps. 

More Opportunities 

The first reason is obvious; the SMID-cap space in the U.S. is multiple the size of the Canadian SMID-cap space. One of the reasons we like small and mid-cap names, to begin with, is that they tend to fly more under the radar, and markets tend to be slower to catch on to promising companies. As an example, we count roughly 57 analysts who cover Amazon. That is 57 people whose full-time job is