Posts by Canadian MoneySaver

Thumbnail for What History Can Teach Us About Upcoming Market Trends  Part 1

I was asked a question by a reader of my blog a couple of weeks ago. It was regarding the potential for a sideways market emerging after the current bear trend ends, rather than the emergence of a new bull market. As it happens, more than 20 years ago, in the January 2001 issue of Canadian MoneySaver, Bull, Bear or Neither? (, I wrote an article that was one of his most important market observations at the time. The article, entitled “Bull, Bear or Neither”, appeared to be among the first to suggest the end of the mega bull market that, at the time, had been the 1982 to 2000 bull. I postulated the potential of a choppy sideways trading range for the coming decade. My observation at the time was that the US markets had experienced several prolonged sideways periods over its 100+ year history. These choppy sideways periods occurred after each significant bull market.

Going back to the early 1900s, there have been four major periods of sideways

Thumbnail for Self-Directed Investing and Online Brokerages

Ellen Roseman speaks with Hamish Khamiza, President and CEO of SparxTrading, an online media company which publishes digital investment content for DIY investors.  They chat about online investing, online brokerages, dividend re-investing and upcoming trends.

Thumbnail for Why You Should Care About Cybersecurity

The two most common misconceptions about cybersecurity are;

1. They are not targeting me and

2. I am well protected.

So now that we established this article is for you, let’s dive in. For the record, I will take some shortcuts and make some generalizations to make things simpler for everyone, sorry for the cybersecurity purist this may offend!

First, let’s start with why criminals (the hackers, we refer to them in the industry as “bad actors”, but for today we will call them what they are, criminals) are trying to get to you. The vast majority of the time, the answer is simple: money (there is a thing called hacktivism, where hackers are using their “talent” for one social cause or another, but those will typically be more focused on attacking nations or large companies).

The two main ways they make money are fairly simple:

1. They take your (from your bank account, credit cards…)

2. they take your data and sell it to someone else.




Thumbnail for The ABCs Of ESG Investing Part 2: Investing Choices For The ESG-Conscious

In the first part of this three-part series, we examined the basics of ESG investing. To reiterate, the E in ESG stands for environmental issues such as pollution and climate change, while the S represents a company’s social attitudes as in how it treats its employees, its customers, and its investors. Finally, the G for governance looks at issues such as boardroom diversity, executive compensation, conflicts of interest and shareholder rights.

Thumbnail for Our Money Stories And How They Affect Our Finances

Ellen Roseman chats with Shaun Maslyk, CFP and host of the podcast "The Most Hated F-Word" about our money-stories and how they affect our relationship with money. He mentions Dr. Brad Klontz and the four money-scripts or subconscious beliefs that we develop as young children about money. 

Thumbnail for Your Home As A Strategic Investment

Ellen Roseman speaks with award-winning personal finance writer, real estate expert, and best-selling Amazon author of "House Poor No More: 9 Steps that Grow the Value of Your Home and Net Worth", Romana King about home ownership and how to see your home as a strategic investment in your life and how to make sure that you are doing the right things to increase the value of your home and net worth.

Thumbnail for The ABCs Of ESG Investing Part 1: What ESG Investing Means

A new generation of socially conscious investors is spreading its influence over the corporate world. Today’s investors are often millennials (typically those born between 1981 and 1996) who have grown up on a planet that is obviously getting warmer. They don’t want investment returns that come at the expense of the environment, nor results achieved without the guidance of people who have been historically underrepresented at senior management levels. Millennials won’t invest until they know a corporation’s environmental, social and corporate governance (ESG) practices are fair and reasonable.