Fall into Autumn Savings
By Carla Hindman, Director of Financial Education, Visa Canada
Fall is officially here. With the new season comes new reasons to spend money, including increased utility bills, winter wardrobes and upcoming holiday purchases. Here are some tips to help you fall into savings this season.
Winter proof your home: A little TLC during the fall season can go a long way towards saving on winter utility bills. Improve your home’s insulation factor by caulking or using weather-stripping on windows and doors, and consider cleaning out your gutters to help with drainage. Cleaning or changing your furnace filter and checking into any needed roof repairs are two frugal, essential habits to help prepare for the winter months. Looking for other cost-effective alternatives? Switch to energy efficient lightbulbs. They may cost more initially, but they’ll save you money in the long run. Read more 
DM Monthly Report
Should we care about what is happening in China?
Though DM’s investment process is rooted in individual company analysis rather than macro economic forecasting, we do still keep an eye on major global developments, especially as they might impact the relative outlook for different industry groups. Prominent among current macro issues is the state of China’s economy, and in particular the sharp slowdown it is now experiencing.
Click here to read more: DM-Monthly-Report-Nov-15
Cardinal – Q3 Portfolio Commentary
Market Outlook – The stock market performance of the third quarter of 2015 was another disappointment with most of the major global markets down from 7.0% to 12.0%. Again the U.S. stock market had the best results with the S&P 500 down 6.9%, the S&P/TSX down 8.6%, the German DAX-30 off 11.7%, the British FTSE-100 off 7.0%, and the French CAC-40 down 7.0%. From mid-April to the end of September, the major global stock markets suffered a severe correction. This was the first significant market correction since October 2011.
Click here to read more: Cardinal Quarterly – October 2015
Millennials & Money: Talking about Financial Literacy
By Carla Hindman, Director of Financial Education, Visa Canada
Millennials, also known as Generation Y, refers to people born between the years of 1980 and the early 2000s. Known as the “me, me, me” generation, millennials are the first group to grow up in the current digital era with instant access to money management tools at their fingertips. So why do they have a reputation for being financially illiterate? And what’s the best way to reach them? Does it have to be done in 140 characters or less? The answer is: #Yes. Read more
