Following my last post on finding a new herd, I thought I’d look back on one of the biggest changes I’ve experienced in my transition into retirement – relationship connections. Even 3 years into retirement this continues to be a personal challenge. While I was working, I interacted with a lot of people every day. […]
See the Link to my Shopping Page for sites with lists of seniors discounts. It would be handy to have it all in a searchable database n’est pas? I think the 15% offered by the Bay on the 1st Tuesday and the 20% at Shoppers on the last Thursday with an Optimum Card are worth adding to your Calendar.
Source: Senior Discounts from 40 to 65
I’d like to find out what viewers are interested in reading about in my Blog. Here is a poll to find out.
If you haven’t been to New York here is a very convenient program to see ‘everything’ in one package. I have been to NYC once and am dying to do a repeat visit.
I have been managing my finances using Bank of Montreal Investorline and Vector Vest sites for many years. I used the stock analysis system in Vector Vest to do the actual trading in Investorline. It has been quite time consuming project and becomes a hobby if you like doing this kind of thing. Vector Vest has a 5 week special on for $ 10.00 but after that it is about $ 60.00 or about $ 20 a month for the Ipad or IPhone version which is quite limited. I found the analysis done by Vector Vest has been better than the stock analysis provided by BMO Investorline. Another fund analysis system in Morningstar which I have used but also did not find it was as helpful as Vector Vest. Vector Vest has a number of algorithms that rate stocks on multiple criteria at the same time, giving you a score.
However I recently tried to buy some mutual funds on the BMO Investorline site and I was quite disappointed with the time it took to find some high performing funds that were available for purchase on their web site. Lets say it took me two days and 2 emails to Investorline to discover they only hold a limited selection of mutual funds that the individual investor can purchase on line. They have posted a pdf on their users site with list of their holdings which are mainly BMO, RBC and TD holdings with some US $ holdings within those companies. They do not list Fidelity or Manulife Funds, which have had good returns. Lets just say they could provide a better service to their clients by including a filter to screen for stocks that can be purchased on line. The only sell series D funds. The best 3 year performance on the Morningstar site was TD Science and Technology Series F at 23.36% while the top Series D stock was RBC Global Technology at 18.02%. Thus Investorline clients would potentially loosing out on 5% return over 3 years unless they seek out other vendors of mutual funds or switch banks which is not a pretty thing. 😒
I am not an investment advisor so take this analysis with a disclaimer. These were the top preforming mutual funds based on 3 year performance that are held by BMO Investorline using the Morningstar fund screener. How long did it take me to do this? About 6 hours.
|Name||Ticker||BMO code||$ Current Price||$ Market Value||Morningstar Rating For Funds||% Total Return 3 Year||% Total Return 5 Year|
|RBC Global Technology Sr D||F0CAN0721V||RBF 1042||5.17||1,033.72||18.02||19.76|
|RBC Life Science & Technology Sr D||F0CAN0721X||RBF 1030||17.29||1,728.51||5||17.3||21.44|
|RBC US Dividend Sr D||F0CAN0721Z||RBF 1019 CDN/RBF 1541 US||26.45||2,644.71||4||13.7||16.12|
|PH&N US Multi-Style All-Cap Equity D||F00000J0A0||RBF 3511||17.49||1,749.33||3||13.21||17.09|
|RBC US Equity Class Sr D||F00000MTJA||RBF 3150 CDN RBF 3539 US||21.54||2,153.64||3||11.62||15.26|
It’s a question I often ask to see where someone is on their retirement planning path. A recent client seemed a little taken aback and wondered why she had to figure that out now. “Isn’t that what retirement is for?” The answer to that question is yes and no. Most of us are too busy with […]
This weeks job has been to investigate annuities and RRSP withdrawals
I have started volunteering with an amazing group of young women who have started a start-up organization for women in tech. They started out in Vancouver and now reach out to 7 cities in Canada and the US. Although I am not in technology they have welcomed me as a volunteer as they are an all volunteer organization. They are all very young and enthusiastic and it is inspiring to see women of the next generation evolving. One of the most interesting young ladies was from Belize via New Orleans and another young lady was a Korean brought up in Russia. I went to one of their meetings last night. There was a speaker who described her challenges as a women in the field of technology but it sounded just like the challenges women of my generation experienced in the world of work. I don’t think these young women know how good they have got it. They need to do have a dose of Mad Men. They are a non-profit and welcome donations.
This week I have updated the page on this site about computers and the internet. It is just a guide for people new to the internet.
I had a blast at the Theater Sports production of Oh-Canada on July 15. I think it is the funniest show I have ever seen. I just loved the guy who played the Iguana. The show is playing through to Sept 2017 and the tickets are only $15.00. If you’d like a preview, watch the YouTube Questions Americans Ask About Canada
This is a way better entertainment value that the production of Much Ado About Nothingthat I attended earlier in the week at the Bard on the Beach at $ 59.00.
We sat at a table with two young ladies who introduced themselves. One of the young ladies is a blogger so I was very interested to pick her brain about her blogging business. Her site is Girl in Betsey. She has monetized her site with blogs about fashion and lifestyle content and has over 20,000 followers. She started when she as younger and has been working on it for several years. Her whole family is involved in the venture. I was inspired by the business she has built. She suggested I add book reviews to my site so I will do that, but maybe she thinks retired people just site around and read.
I tend to not follow book review sites myself and just go by trial and error but here are two sites with regular book reviews. The New York Times and Good Reads. Both offer subscriptions to get an email with new listings. I am current a thrillers that is part of a series by Greg Isles which I have been down loading from the Vancouver Public Library to my pad. I am on my third of his books but I did not realize until my second book that there is a chronological order to the books and that I should have followed but, because I am going backward in the series now. Most of the stories are situated in Natchez, Mississippi which makes for an exotic setting.
I experimented with using a software package called Atom that required quite a bit of work to learn HTML and found it took a long time to learn so I switched to Word Press. I found it much easier to set up the site. I used the NameCheap site to set up a domain name and an email address but the NameCheap site was not very easy to set up. I retrospect it might have been easier to start with WordPress than end with WordPress.
I was recruited for two clinical trials at UBC. The first trial was the Compass Study which is collecting data on people over several years, including behaviour, cognition, MRI, blood tests and DNA. They objective of the study is to find biomarkers for dementia. It was a very onerous volunteer job. I had three all day sessions at UBC while they asked me 100’s of questions about what I did as a child to testing my sense of smell. It was a lot of work, boring and tiring. You don’t get any results from the assessments unless they find something abnormal and then they alert your MD. The second study I was recruited for the FITBRAIN study . This is a randomized control trial of a computer based cognitive training program. I as randomized to the control group so I don’t have to play the game. Those who got recruited to the intervention have to play the software for an hour a day 5 days a week. The group that I am in meets at Vancouver General Hospital for an hour three times a week for either education, word games or exercises. The education sessions so far have been about goal setting, mindfullness, neurogeneration and sleep. I am using some of the resources from the education sessions for this website. The exercises are excellent. They include core strengthening, balance and stretching. Since VGH is close to where I live I can walk to the sessions so it gives me some structure to three days of my week and I get in 5000 steps. This is also the first time I have been in a room with 20 other people the same age as me or older. It’s like looking getting older in the face. it’s been a good way to transition into the retirement social set.