Random Thoughts: Without Inflating it

in Bank of Canada, Financial Apocalypse, Inflation, Random Thoughts, Stock Market

Not Inflating Yet

What with the Interest Rates remaining steady and the CPI only at 1.3% for the year sounds like things are just peachy and rosy in the financial world, but I suspect that the Financial Blogosphere may not completely concur with that statement yet:

  • Larry MacDonald crunches some numbers and cries bullshit (his words not mine) for the Life Insurance versus RRSP scam being promoted by some financial planners. Isn’t it fun the games people play with numbers?
  • After my post about Financial De-Cluttering I was glad to see the post 3 ways being organized can save you money from the Million Dollar Journey. Yes it seems obvious, but is it?
  • Michael James talks about how the Assault on Public Service Pensions Begins a topic near and dear to my heart. I feel like Typhoid Mary, wherever I go, I bring Pension issues.
  • Preet does some number crunching of his own in The Counter-Intuitivity of Fixed Income Indices although I am curious about the word Counter-Intuitivity, can I use it in Scrabble?
  • The Canadian Capitalist commented on Canadian REITs: No Longer a Bargain one day I’ll have to ask him to give me a tutorial on REITs because I don’t think I completely grasp the concepts in these investment vehicles.
  • Gail Vaz-Oxlade asks What Your Mulligan Be? in the area of personal finance. I have far too many of those I’d like to forget, but glad to see Gail confess she bought Nortel as well. I only have a few flaws in my Golf game as well: my stance, the way I hit the ball, my clubs, my inability to judge distance and my lack of hand eye co-ordination, other than that my Golf game is just fine.

Big C8j’s Tech Corner

Occasionally I’ll jump out of my main role of Personal Finance Guru [sic] and show that my real role in life is technical savant, here are a couple of interesting things to note on the technology side of things:

  • And for those cheap buggers like me that don’t want to spend $200 on a specialized piece of hardware to read e-books, I give you the Kindle for a PC, so now you can buy a $200 netbook and use it like a Kindle.
  • Do you have Windows 7? Do you still want to use your Windows XP applications well? Guess what, Microsoft now has an Windows XP Mode for Windows 7 which sounds like you should get!

Carnivals Too

You can find my post Do you have saving questions? at the Carnival of the Road to Financial Independance.


  • Doctor Stock January 24, 2010, 4:43 PM

    Um.. yah, the Kindle? About to get squashed for good.

  • Neil January 23, 2010, 2:26 AM

    I believe the call of bullshit was from my comment, not Larry’s post. I’ve since created a spreadsheet to compare results under 3 different tax system – a 50% flat tax, a 39% flat tax, and a realistic, progressive tax topping at 39% (ie. an Albertan’s tax rate).

    And I actually can’t figure out how they got the numbers they did in the first place. Even the 50% flat tax scenario gives me $550k after taxes in 20 years. (Though I can get $460k if I calculate the tax refunds the more intuitive, but wrong, way.)

  • Preet Banerjee January 22, 2010, 5:25 PM

    Thanks for the link Big Articulate Man. 🙂

  • Michael James January 22, 2010, 8:51 AM

    Thanks for the mention. I saw Larry’s post on life insurance vs. RRSP, and I was suspicious that the financial planner’s analysis was skewed, but hadn’t formed an opinion yet.

    • bigcajunman January 22, 2010, 8:56 AM

      As usual it is easy to skew the numbers and make one option look more attractive, especially if you are selling life insurance for folks over 65 (a new growth industry, which I view as finanicial pornography as well).


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